Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.

Complaint:
Hello the reason for my compliant on the company Conns is beacuse I have tried for the last two years to settle a debt from the company. They started to report me to the credit breu for two accounts. 
I only ever had one account with the company. I also made a return of items to them and had a credit. over the corse of the two years i have written letters to the company i have asked for itemized receipts and explanations of the reason for two accounts. I was told things were split and the returned furiture was still being charged. I asked that they remove the false account and update it to one account with an accurate amount. I have had 3 escalated tickets with the resaulotins team. when i call in I am not allowed to speak to anyone in that department the repesenitive can only email the other team to review and request a call back. 
conns has also sold my account to at least 4 collection angencys. when i called the main company ( conns ) to get it taken care on yet another attempt to let them know that they were still reporting me as two differnt accounts, they refered me over to the collection agency. I was told at this time by a repesenitve at conns main number that if i did not pay the accounts that they ( conns ) would report me to the credit bureaus and my life would be ruined. that they would get paid one way or another. this phone call happend in XXXX I thought the man i spoke to at that time was just being a terrible human being and making me feel pressured to pay by insulting me and making me feel fear. if i would have known then that he was acutally going to make my life hard with it damageing my credit to the point that i can not apply for anything even jobs beacuse this is inpacting my score so terrible that it stops my lively hood. 
i am reported every month on two accounts for the last two and half years. and it has damaged my credit to the fullest. in XXXX i offered to pay everything in a moment of tears and panic to just make it stop and go away but they had to remove it from my credit history and i was told no and they wanted they amount plus a huge intrest. 
when i called the main company agian. both accounts were moved yet again. 

since they started seperating the accounts to two seperate agencys. it has made it harder for me to dispute since they were no longer together in the same agencys. 
I have made attempts to dispute the charges thru the three credit bureaus and i have no had success. 
one women called me back from conns and said she was just letting me know they felt that the carges were valid and read to me over the phone the charges and what they felt the reasons were. i asked then to please send me over the bills, nothing has been mailed to me. or emailed. when i called back to speak to her about where it was and to again resolve the matter i could not talk to that department. 
in that time i wrote to conns to an address in TX one in XXXX and one address to the XXXX  to address the servere problem. and never heard back from anyone. thru email or paper this transpired in XXXX the amounts are for {$2400.00} for one account and {$1200.00} on the othere account. I have been reported since XXXX of XXXX and XX/XX/XXXX I called again today to attempt and mend this situation and i got the same response that a ticket would be made and someone would be contacting me. both accounts are seperated yet again in two differnt locations. I would like this to be removed from my credit history as it is false and i have been threatned and have effortless to mend the situation. 
these carges are affecting my credit every single month for the last two and half years they report every month on both accounts. I am begging for help conns has not been willing to work with me or fix the situation on any level. 
I want and need to fix this as it has inpacted my life. there is no reason for the amount of hardship and stress it has put me thru. 
thank you for your time. 
XXXX

Company response to consumer: Closed with explanation