Consumer complaint received 2016-07-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (OK)

Myself and my husband have separate accounts with the same company, CONNS. Neither of our phone numbers are listed on the other ones account, so when they call my cell phone its about my account, etc.CONNS has called our home phone up to TWENTY ONE ( 21 ) TIMES IN ONE DAY AND MY CELL PHONE ABOUT ( 8 ) EIGHT TIMES A DAY AND MY HUSBANDS NUMEROUS TIMES AS WELL. I LITERALLY WROTE DOWN THE TIME THAT I RECEIVED THESE CALLS IN ONE DAY. 21 TIMES! We understand we owe them money and do n't feel that it is unreasonable for them to call once a day but 21 TIMES is Harrassment. We have asked them to make notes on their computer file of our situation about when we will have the money yet they continue to call many times each day. I doubt it is likely that we will win a lottery or that my boss will give me a raise. Therefore our financial situation will not change from the previous day that we told them the same thing. It is a good thing that I am a mentally stable person. They could drive someone to XXXX. Also, I have a dispute with them that took them 6 months to partially resolve. My payment would be due each month and I demanded that they resolve the issue that started on day one when the furniture was delivered damaged. They called me on delivery day after furniture was set up and asked me if i was pleased with the delivery and I informed them that the furniture is damaged. They offered me a discount since the furniture was damaged on delivery. I said that would be fine. I figured that it might take a little time for everything to be updated. About three months later, I checked to make sure everything had been taken care of and that the financed amount be updated. It was not, I called and spoke with someone they said they would take care of it.I made the payment. The following month the payment was due again, I inquired about the concession. Still nothing! I called my salesman, I was very polite, he hung up on me. I called the manager, he gave me another phone number to call, called the delivery department, he gave me another number to call etc. Still nothing, the rep said they would take care of it and it can take up to 10 days to be updated so I made the payment. The next payment is due again, I inquired about it again, still nothing.I made many other calls to supervisors, managers, corporate office etc and they said they would take care of it, may take up to 10 days to post, I made the payment. The next payment is due, still nothing! I told the rep that I was not going to pay until this was taken care of. Still nothing! I made dozens of more phone calls to many departments.Six months later they said they applied concession. I asked for a receipt or something be sent to me verifying this.Then I would make a payment. Did n't get it until about a month ago. My account remained past due mostly because of this.Since it took so long to get concession and proof of concession being applied, I asked the rep if they would remove the late payments off my credit file and reinstate the 1 year same as cash offer. Guess what? Still nothing! I 'm not asking for anything free. Please do something! At least make them cut back the phone calls to once a day! I personally know other people that get harassing phone calls from CONNS. Please help!