Conn's is trying to screw me!!

addy85 · 02-10-2009, 09:01 PM

Bought a T.V. from them with 0 percent for 12 months with this month being the last. I was told TO MY FACE that there is a 10 day grace period from the day the payment is due. Since you have to actually go to the damn store to make a payment I had to wait till today, which is my day off, and the fuckers are trying to charge me 600 dollars in interest ON MY LAST PAYMENT!!!! Their corporate office is a joke and the manager was like "I'm denying your request because you should of read the contract" I was like dude, your employee told me there is a 10 day grace period! This is my third T.V. from them and I never had a problem before, what should I do? I made all my payments on time and never had a problem and now on the last payment their trying to charge me 600 in interest. I have excellent credit with no blemishes but I am williing to take this as a charge off because this is fucking bullshit. Their employee lied to my face and I have to suffer for it. I'm going to try again tomorrow with their corporate office and I am also going to report this to my local news because it seems like a common thing that Conn's does. I'm also planning on filing this with the FTC because there is no fucking way I'm going to pay 600 dollars interest when my account has been in excellent condition and the only reason this happaned was because of their idiot employees.

Any other suggestions?

darkphantom · 02-10-2009, 09:08 PM

MadDog · 02-10-2009, 09:10 PM

Let me summarize your dilemma: You had 10 days to make a payment, but you needed to pay the TV off before the year was up to avoid interest (in this case it's $600.00).

Dude, I would say you're screwed. You can certainly jump up and down and scream, but you didn't follow the terms of the contract.

Edit: $600 seems like a lot of interest. How much was the TV, and what interest rate ??

addy85 · 02-10-2009, 09:14 PM

Quote:

Originally Posted by MadDog

Let me summarize your dilemma: You had 10 days to make a payment, but you needed to pay the TV off before the year was up to avoid interest (in this case it's $600.00).

Dude, I would say you're screwed. You can certainly jump up and down and scream, but you didn't follow the terms of the contract.

Edit: $600 seems like a lot of interest. How much was the TV, and what interest rate ??

I have no idea what the interest was. The dumb bitch told me you had a 10 day grace period which is the only reason why this happaned. I have never had a problem before but all of a sudden this happens. I have never been late before EVER and the bitch told me the 10 day grace period won't cause any interest being charged unless its after the 10 day period. The t.v. was like 2500 or so.

Lying pieces of shit!

MadDog · 02-10-2009, 09:18 PM

Quote:

Originally Posted by addy85

I have no idea what the interest was. The dumb bitch told me you had a 10 day grace period which is the only reason why this happaned. I have never had a problem before but all of a sudden this happens. I have never been late before EVER and the bitch told me the 10 day grace period won't cause any interest being charged unless its after the 10 day period. The t.v. was like 2500 or so.

Lying pieces of shit!

I don't think that you were lied to, you just weren't told the whole truth. Your contract and/or monthly statements should have spelled out what needed to be done.

addy85 · 02-10-2009, 09:22 PM

Quote:

Originally Posted by MadDog

I don't think that you were lied to, you just weren't told the whole truth. Your contract and/or monthly statements should have spelled out what needed to be done.

I was lied to because the lady told me that interest is only charged if your payment is receieved over 10 days late. There are no statements, you just have to go into the store every month and pay! Shit is so lame.

FStop7 · 02-10-2009, 09:22 PM

What does the contract state?

MoreCowbell · 02-10-2009, 09:22 PM

You had an ENTIRE year...and then you trusted the guy who makes 10 dollars per hour?

You are walking around blind without a cane pal. You are screwed...

MadDog · 02-10-2009, 09:23 PM

Quote:

Originally Posted by addy85

I was lied to because the lady told me that interest is only charged if your payment is receieved over 10 days late. There are no statements, you just have to go into the store every month and pay! Shit is so lame.

You didn't sign a contract ??

MoreCowbell · 02-10-2009, 09:24 PM

Quote:

Originally Posted by addy85

The t.v. was like 2500 or so.

Now it's $2700. Just another example of Americans being irresponsible and then blaming the system.

MadDog · 02-10-2009, 09:24 PM

Quote:

Originally Posted by FStop7

What does the contract state?

+1. Scan that sucker.

darkphantom · 02-10-2009, 09:25 PM

:facepalm:

LACSTER · 02-10-2009, 09:41 PM

why whould you wait until the last minute anyways?

nnnnnnnnnnnnnnnnnnnnnn · 02-10-2009, 09:45 PM

wait, people finance tv's?????? What else can people finance?

BMW F22 · 02-10-2009, 09:46 PM

Dude don't listen to employees. Case in point: bought a tv and the salesman said I have 30 days to buy an extended warranty (cus I wanted to sleep on it). I came back like 2 weeks later to buy it and they said you only have like 3 days or a week.

Anyhow, usually promotional offers like "12 months no interest" means that you have to pay it off by the end of 12 months or else you will be charged the interest accrued. There is no such thing as a grace period. It's all bullshit I know but you have to be tough on them (threaten legal action?).

BMW F22 · 02-10-2009, 09:47 PM

Quote:

Originally Posted by ferrari355fi

wait, people finance tv's?????? What else can people finance?

Why not? Your post comes off as a little cocky there. Some people have the money to pay off shit but they don't because why pay off now when you have 0% interest? In fact, I do that all the time.

addy85 · 02-10-2009, 09:56 PM

Quote:

Originally Posted by MadDog

You didn't sign a contract ??

I did but never recieved a copy, only some stupid payment book.

Quote:

Originally Posted by MoreCowbell

Now it's $2700. Just another example of Americans being irresponsible and then blaming the system.

Blaming the system? WTF are you talking about? I'm blaming the fucking employee who lied to my face!!!! Check ripoffreport.com and you'll see this seems to be a common thing with Conn's!

Quote:

Originally Posted by darkphantom

:facepalm:

fuck off

Quote:

Originally Posted by LACSTER

why whould you wait until the last minute anyways?

I didn't wait till the last minute. Everything was fine but their idiot employee lied to my face. You have to go in and pay at the stupid store instead of being able to pay online like every other normal electronics store.

Quote:

Originally Posted by ferrari355fi

wait, people finance tv's?????? What else can people finance?

Your mom, she's cheap though. It's called building credit genius.

Quote:

Originally Posted by BMW E90

Dude don't listen to employees. Case in point: bought a tv and the salesman said I have 30 days to buy an extended warranty (cus I wanted to sleep on it). I came back like 2 weeks later to buy it and they said you only have like 3 days or a week.

Anyhow, usually promotional offers like "12 months no interest" means that you have to pay it off by the end of 12 months or else you will be charged the interest accrued. There is no such thing as a grace period. It's all bullshit I know but you have to be tough on them (threaten legal action?).

I have reported it to www.ripoffreport.com and I have also reported it to my local news agency because this seems like a reoccuring thing with Conn's, I am also going to report it to the FTC unless Conn's does something about this bull shit. Their corporate office is amazingly rude, I can't believe they would even allow their employees to talk to customers like that. I had the fucker shush me while I was trying to explain what happened!!! Amazing

addy85 · 02-10-2009, 09:57 PM

Quote:

Originally Posted by BMW E90

Why not? Your post comes off as a little cocky there. Some people have the money to pay off shit but they don't because why pay off now when you have 0% interest? In fact, I do that all the time.

I've done it 3 times with Conn's and have I do so because it builds my credit. Thats why I'm 23 and can buy whatever the fuck I want, including my bmw, without co signers

MadDog · 02-10-2009, 10:00 PM

Quote:

Originally Posted by addy85

I did but never recieved a copy, only some stupid payment book.

Seems like they were setting you up to fail. Good Luck fighting this.

nnnnnnnnnnnnnnnnnnnnnn · 02-10-2009, 10:03 PM

Quote:

Originally Posted by BMW E90

Why not? Your post comes off as a little cocky there. Some people have the money to pay off shit but they don't because why pay off now when you have 0% interest? In fact, I do that all the time.

No, I've just always been taught to save up your money so you can buy it in full. Then there is no need to worry about outstanding debts or accidentally missing payments.

addy85 · 02-10-2009, 10:03 PM

Quote:

Originally Posted by MadDog

Seems like they were setting you up to fail. Good Luck fighting this.

Thanks, I don't think they were trying to set me up to fail but I do think that lady was an idiot and lied to my face without giving a shit. Like I've said, this is my third time to buy a tv and I have never had this problem before. It's terrible that they would do this to a repeat customer

MoreCowbell · 02-10-2009, 10:07 PM

Quote:

Originally Posted by addy85

I've done it 3 times with Conn's and have I do so because it builds my credit. Thats why I'm 23 and can buy whatever the fuck I want, including my bmw, without co signers

When your Bimmer gets repoed by the bank, please let us know which dealership CPO's it.

Thanks.

02-10-2009, 09:01 PM	#1
addy85 Got beef? 138 Rep 3,646 Posts Drives: E90 335i Join Date: Oct 2007 Location: Arlington Texas iTrader: (4) Garage List 2007 335i [0.00]	Conn's is trying to screw me!! Bought a T.V. from them with 0 percent for 12 months with this month being the last. I was told TO MY FACE that there is a 10 day grace period from the day the payment is due. Since you have to actually go to the damn store to make a payment I had to wait till today, which is my day off, and the fuckers are trying to charge me 600 dollars in interest ON MY LAST PAYMENT!!!! Their corporate office is a joke and the manager was like "I'm denying your request because you should of read the contract" I was like dude, your employee told me there is a 10 day grace period! This is my third T.V. from them and I never had a problem before, what should I do? I made all my payments on time and never had a problem and now on the last payment their trying to charge me 600 in interest. I have excellent credit with no blemishes but I am williing to take this as a charge off because this is fucking bullshit. Their employee lied to my face and I have to suffer for it. I'm going to try again tomorrow with their corporate office and I am also going to report this to my local news because it seems like a common thing that Conn's does. I'm also planning on filing this with the FTC because there is no fucking way I'm going to pay 600 dollars interest when my account has been in excellent condition and the only reason this happaned was because of their idiot employees. Any other suggestions? __________________ Special Thanks to AU335
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02-10-2009, 09:08 PM	#2
darkphantom Banned 595 Rep 5,946 Posts Drives: E93 335i Join Date: Aug 2007 Location: The place for Bimmers iTrader: (4)
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02-10-2009, 09:10 PM	#3
MadDog Careful, I Bite..... 153 Rep 504 Posts Drives: 2006 325i Join Date: Dec 2006 Location: S.F. Bay Area iTrader: (0) Garage List 2006 325i [7.50]	Let me summarize your dilemma: You had 10 days to make a payment, but you needed to pay the TV off before the year was up to avoid interest (in this case it's $600.00). Dude, I would say you're screwed. You can certainly jump up and down and scream, but you didn't follow the terms of the contract. Edit: $600 seems like a lot of interest. How much was the TV, and what interest rate ??
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02-10-2009, 09:22 PM	#7
FStop7 I like cars 329 Rep 5,052 Posts Drives: M6 Join Date: Oct 2008 Location: Newbury Park, CA iTrader: (3)	What does the contract state? __________________ My photostream: http://www.flickr.com/photos/racelap/
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02-10-2009, 09:22 PM	#8
MoreCowbell Lieutenant Colonel 490 Rep 1,700 Posts Drives: 24 i5M60 23 X740 23 Vette Z06 Join Date: Feb 2006 Location: Westchester, NY iTrader: (0)	You had an ENTIRE year...and then you trusted the guy who makes 10 dollars per hour? You are walking around blind without a cane pal. You are screwed...
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02-10-2009, 09:25 PM	#12
darkphantom Banned 595 Rep 5,946 Posts Drives: E93 335i Join Date: Aug 2007 Location: The place for Bimmers iTrader: (4)	:facepalm:
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02-10-2009, 09:41 PM	#13
LACSTER Major General 761 Rep 8,279 Posts Drives: Hybrid Join Date: Nov 2007 Location: oc iTrader: (64)	why whould you wait until the last minute anyways?
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02-10-2009, 09:45 PM	#14
nnnnnnnnnnnnnnnnnnnnnn Lieutenant 108 Rep 465 Posts Drives: 1 Join Date: Jan 2008 Location: 2 iTrader: (0)	wait, people finance tv's?????? What else can people finance?
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02-10-2009, 09:46 PM	#15
BMW F22 Major General 3566 Rep 9,788 Posts Drives: ///M235i Join Date: Nov 2005 Location: Bay Area iTrader: (8)	Dude don't listen to employees. Case in point: bought a tv and the salesman said I have 30 days to buy an extended warranty (cus I wanted to sleep on it). I came back like 2 weeks later to buy it and they said you only have like 3 days or a week. Anyhow, usually promotional offers like "12 months no interest" means that you have to pay it off by the end of 12 months or else you will be charged the interest accrued. There is no such thing as a grace period. It's all bullshit I know but you have to be tough on them (threaten legal action?).
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