Complaints

This profile includes complaints for Conn's Servicing's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Conn's Servicing

  1355 S Colorado Blvd Ste 400 Denver, CO 80222

• 

  Conn's Servicing

  PO Box 17210 Golden, CO 80402

• 

  Conn's Servicing

  200 14th Ave E Sartell, MN 56377

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/08/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2024, I entered a financing agreement with Conns that included a provision stating interest would not be applied unless certain conditions were met, including that Conns would first provide written notice. I understand that interest may be added after 12 months if the balance is unpaid, but the contract clearly requires Conns to give notice before doing so.I contacted Conns multiple times via email before stopping payments, asking for clarification and requesting a resolution. I received no response until after I ceased payment. Only then did Conns begin reaching out to me, asking for personal information over unsecured email.Their failure to notify me before applying interest is a breach of contract, and their lack of response to my early attempts to resolve the issue in good faith further demonstrates poor customer service and accountability. I have screenshots of my emails and a copy of the contract that supports my position.I am requesting that Conns remove the improperly applied interest or delete the account from my credit report, and stop any further collection attempts related to these charges.

  Business Response

  Date: 05/16/2025

  Conns Servicing appreciates the opportunity to address Mr. ********* concerns.
  
  Mr. ******** stated in his complaint: 
  1. He entered a financing agreement with Conns that included no interest for 12 months. The agreement also stated that Conns would notify him of the balance before interest was added, but he never received any notification.
  2. He contacted Conns multiple times via email before stopping payments, asking for clarification and a resolution.
  3. He requests the removal of the interest applied or the deletion of the account from his credit report, and to stop any further collection attempts related to these charges.
  
  Our investigation reveals that: 
  1. We confirmed that there was an error in the email format used to send the notification, which resulted in the notice not being successfully delivered.
  2. In reviewing the documents provided, it appears that Mr. ******** was sending emails to an unmonitored account.
  3. We will honor Mr. ********* original agreement and extend the 0% interest terms for the remaining duration of the loan. Additionally, we will remove any negative credit impact that may have resulted from this issue.
  
  After a thorough review of Mr. ********* account and communication history, we were able to confirm that there was an error in the email format used for notifications. As a result, the required notice regarding the application for interest was not successfully delivered. 
  

  In light of this, we want to assure you that we are committed to resolving this matter fairly. We will honor Mr. ********* original agreement and extend the 0% interest terms for the remaining duration of the loan. Any interest that was applied will be removed, and we will ensure that the account is updated accordingly.

  
  Additionally,we are reviewing Mr. ********* credit reporting status and will take the necessary steps to correct any negative impact that may have resulted from this issue.

  
  We appreciate Mr. ********** patience and understanding, and we value the opportunity to make this right.
  
  
  
  Sincerely,
  
  Conns Servicing

  
  

  Customer Answer

  Date: 05/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, I appreciate Conns acknowledgment of the issue and their willingness to honor the original 0% interest agreement. I accept the proposed resolution on the condition that all interest charges are fully removed and my account is updated to reflect the corrected balance. Additionally, I request written confirmation once the adjustments have been completed and any negative credit reporting has been corrected. I will resume payments immediately upon receipt of that confirmation.
  
  
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:04/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I been having problem with Conns Home Plus Furniture Store. In March I spoke to a manager about my bills. She reaches out to me last month about my bill and she started to correct it. She said that the bill was $650.05 in March. So, when I went online to pay the bill it was $ ****** so I call them and talk to one of their workers, so she kept saying something about an interest rate. But the manager tells me that I was good on my bill. So, I don't understand why they keep double charging me every month. When the manager already corrects my account so that why I'm making a complainant against them. Thank you and have a blessed day

  Business Response

  Date: 05/05/2025

  
  Conns Servicing appreciates the opportunity to address Ms. ****** concerns.
  
  Ms.***** stated in the complaint that: 
  1. She spoke with a manager in March regarding her bill and was told the balance was $650.05. However, when she went to pay the bill, the balance showed she owed $677.87;
  2. She requests a billing adjustment
  
  Our investigation reveals that: 
  1. We spoke with Ms. ***** in March 2025 and provided her with a payoff balance of $651.20.  She was informed that her account accrues interest monthly and that her balance will change only with regular monthly payments.
  2. ************* is not due a billing adjustment.
  
  
  
  Our records show that on June 27, 2023, Ms. ***** financed two AC units through a 34-month Promissory Security Loan with a monthly payment of $71.34 due on the 27th of each ********. ****** purchase initially qualified for a 12-month Cash Option Promotional balance of $1,428.55 to be paid in full by June 27, 2024. However, she did not meet the payment obligation within the timeframe, causing interest to accrue on her account.
  
  After reviewing Ms. ****** concerns, we see she initially called to dispute her balance on March 20, 2025,stating her balance should be $678. Ms. ***** was informed that since she lost her promotional offer, her account accrues monthly interest and was provided with her payoff balance of $729.34 at that time. Ms. ***** still did not agree with the balance; therefore, her account was submitted for a balance review.
  
  Upon further review, we see that Ms. ***** was contacted by management on March 28, 2025, regarding her balance dispute. She was made aware that after receiving the payment of $71.34 on March 20, 2025, her payoff balance now reflected $651.20. Ms. ***** was reminded that her account is charged interest, which changes the balance owed.Please be mindful that payoff balance quotes are valid for 10 days.
  
  We have confirmed that Ms.****** balance is accurate; therefore, a billing adjustment is not due. We have included a copy of Ms. ****** payment history for her records.
  
  
  
  Sincerely,
  
  Conns Servicing 

• Initial Complaint

  Date:04/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We purchased a dishwasher from Conns Home Appliances in McAllen Tx on the Exp, in 2022 for $799. We made monthly payments monthly as agreed on time. Conns Home Appliances filed for Chapter 11 bankruptcy on July 23, 2024 and closed all stores by October 31st, 2024. Since closing their stores and entering bankruptcy theyve apparently illegally sold off Accounts Receivable. Someone representing them are demanding ridiculous sums of money.. the dishwasher was $799. We paid them approx. $1000, as it was arranged for a 2 year plan, on time and in full. Since they are in Bankruptcy the Bankruptcy Court would be the collector not Conns or a ****************** The collection agency representing them states I currently owe $1394. My credit report further says Conns is reporting I owe them 60 more payments of $60. If that were true it would be $5000 for a $799 dishwasher. This ridiculous claim on my personal credit report is ruining my credit. I see it every time I open my Banking App as they show my credit report. Conns got their money in full. They are in Bankruptcy. A collection agency is apparently misrepresenting the facts and holding me hostage ruining my credit. Conns has several thousand complaints with your agency last time I checked. They have a poor history of being honest and trustworthy. I want Conns to cease and desist collection activities, or whoever is misrepresenting my debt. Which was paid in full. It is a scam. I want my credit report to reflect that Conns is in Bankruptcy, and the Debt. If Any Is under review by the Bankruptcy Court. I am a 71 year old senior citizen being railroaded into paying undue payments to an unqualified ****************** and this erroneous misrepresentation to be removed from my credit report Immediately. If Conns is qualified to collect receivables even though they are in Bankruptcy Court, their receivables are not correct, and I have paid them in full.Thank You for looking into this matter.

  Business Response

  Date: 05/05/2025

  Conns Servicing appreciates the opportunity to address Mr. ******** concerns.
  
  Mr.******* stated in the complaint that: 
  1. He purchased a dishwasher and made all payments as agreed. Since then, Conns filed for bankruptcy and closed all stores, but his account was sold to a collection agency, which now states he owes $1394.
  2. He requests to cease collection activity and report his account as paid off with a zero balance;
  
  
  Our investigation reveals that: 
  1. Mr. ******* financed his dishwasher on a Conns HomePlus Retail Installment loan but failed to pay the full balance to close the account. His current amount due is $1,043.92.
  2. We have placed a cease on Mr. ******** contact number. However, he remains responsible for the balance owed.
  
  
  Our records show that on March 11, 2022, Mr. ******* purchased a dishwasher, with installation,delivery, and haul-away services totaling $1,363.54. Mr. ******* financed his purchase with a 34-month retail installment loan with a *****% interest rate and a monthly payment of $60.73, which is due on the 25th of each month.
  
  Upon reviewing Mr. ******** concerns, it shows that he has paid a total of $1,063.99 to the account. Mr.******** last payment was received on March 29, 2024. Since then, his account has accumulated interest and late fees and has a past-due balance of $366.23.
  
  As of April 29, 2025, ************ current balance is $1,043.92. Mr. ******* can pay using the online portal at ************************** or by phone at ************.
  
  
  
  
  Sincerely,
  
  Conns Servicing 

• Initial Complaint

  Date:04/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have paid off most of my account and now they are telling me I owe more. I am unsure of how this is happening and I have got no explanation from the company. Just added charges

  Business Response

  Date: 05/01/2025

  Conns Servicing appreciates the opportunity to address Ms. ********** concerns.
  
  Ms. ********* stated in the complaint that: 
  1. She paid off most of her balance, but is now being told that she owes more and has not received an explanation.
  2. She is requesting a billing adjustment.
  
  Our investigation reveals that: 
  1. Ms. ********* has two separate accounts. The account ending in *3270 is an interest-bearing account that accrues monthly interest fees. The account ending in *3271 had a promotional offer of no interest if payments were received on time and paid in full before the expiration date. That option was voided due to a remaining balance that was not paid in full.
  2. Ms. ********* is not due a billing adjustment.
  
  
  We have reviewed Ms. ********** concerns and found that she has two separate accounts. The account ending in *3270 was opened on November 1, 2022, with a total finance balance of $6,166.08 and payments of $171.28 due on the 1st of each month. Ms. ********* has paid a total amount of $4,976.12 to the account. As of 4/23/25, her current balance is $1,052.56.
  
  We show that Ms. *********** second account, ending in *3271, was opened on March 15, 2024, with a total finance balance of $4,421.52 and monthly payments of $122.82 due on the 23rd. Ms. ********** purchase qualified for a 12-month Cash Option Promotional (COP). Per the agreement, her cash option price of $2,733.20 was to be paid in full by March 23, 2025. As of March 23, 2025, Ms. ********* had only paid $1,596.66 on the account. Since the full cash option balance was not paid by the expiration date, the promotional offer was voided, and the loan interest was applicable. As of 4/24/25, her current balance is $2,112.82.
  
  We have included a copy of Ms. *********** payment history for both accounts.
  
  
  
  
  Sincerely,
  
  Conns Servicing 

• Initial Complaint

  Date:04/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally raise serious concerns regarding the ongoing handling of my account by ******, including repeated unprofessional communications, inaccurate billing, and failure to provide legally required statements.Every month, I receive threatening texts and emails regarding supposed late payments or high interest accruals. Despite my repeated efforts to resolve these issuesincluding requesting dates and amounts of all payments made by me and by Take Charge AmericaI am continuously met with dismissive or aggressive responses. I have requested a full payment history multiple times, and I have yet to receive a comprehensive, accurate record.Most recently, after responding firmly to yet another aggressive message that failed to account for previous payments, I received a reply from a Conns representative that was entirely unprofessional and inappropriate. I have attached a copy of that correspondence for your ********* is not my fault that Conns has filed for bankruptcy, nor is it acceptable for that situation to be used as a justification for harassment or disorganized account handling. ********************** is legally required to provide monthly statements to consumers and to manage accounts with accuracy and integrity. To date, this has not been my experience.

  Business Response

  Date: 04/24/2025

  Conns Servicing appreciates the opportunity to address Ms. ******** concerns.
  
  Ms.******* stated in the complaint that: 
  1. She has concerns regarding unprofessional communications, which she states are threatening texts and emails about alleged late payments or high-interest charges every month.  
  2. She has requested a complete payment history multiple times due to inaccurate billing, but has not received a thorough and accurate record.
  2. Conns is legally obligated to provide monthly statements to consumers.
  
  
  Our investigation reveals that: 
  1. Upon reviewing Ms. ********* messages, we noticed that she didn't provide the last four digits of her Social Security number, which is necessary for us to release the requested information. We sent email and text reminders to help ensure her account stays in good standing.
  2. We have provided Ms. ******* with a copy of her payment upon each request. She has been informed that the payment history does not include the method by which we received the payment, but it does include the amount, the date received, and the balance before and after the payment was applied.
  3. Ms. ******* has an installment account that does not require monthly statements.
  
  
  According to our records, Ms. ******* opened an account with ********************** Home Plus on July 4, 2024, with a minimum monthly payment of $62.81 due on the 4th of each month.
  
  In a review of Ms. ******** concerns, we show that we initially received a Better Business Bureau complaint #******** from her in December 2024, in which she requested to receive monthly statements and a copy of her payment history. Ms. ******* was informed that we do not mail out monthly statements, but she was provided with a copy of her loan ledger, which details her payment history, as requested. Additionally, we note that Ms. ******* recently requested a new payment history, which was sent to her email address on file on April 16, 2025.
  
  Upon reviewing Ms. ******** payment history, we have confirmed that all payments received have been applied to her account. As of April 22, 2025, Ms. ******* has a past-due balance of $28.55.
  
  Ms. ******* can make a payment online at ************************** or by phone at ************.
  
  We have included a copy of Ms.******** payment history as requested.  
  
  
  
  Sincerely,
  
  Conns Servicing 

• Initial Complaint

  Date:04/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In December 2024, I entered into a verbal settlement agreement with Conns HomePlus to resolve my account. The agreed-upon payment plan was:$25 in December 2024 $250 in January 2025 $300 in February 2025 I completed all payments, totaling $575, believing this would settle the account in full. However, Conns later reported the account as settled for less than full balance due to an alleged remaining balance of $99. At no point was I informed that a balance would remain or that this would negatively impact my credit report. Had I been made aware, I would have paid the additional amount to avoid such consequences.Additionally, Conns restricted my ability to make payments online, citing previous *** transactions, and required in-person payments, causing inconvenience. I was also promised written confirmation of the settlement, which I never received. I have a recording of the settlement call where no mention was made of a remaining balance or potential negative credit reporting.Desired Resolution:I request that Conns:1.Update the credit reporting to reflect the account as Paid in Full or Closed Paid, or 2.Remove the settled for less than full balance remark as a goodwill correction, acknowledging the lack of transparency regarding the remaining balance.

  Business Response

  Date: 04/24/2025

  Conns Servicing appreciates the opportunity to address Ms. ****** concerns.
  
  ******** stated in the complaint that: 
  1. In December 2024, she entered into a verbal settlement agreement plan to pay $25 in December 2024, $250 in January 2025, and $300 in February 2025. She completed all payments, but it was later reported that the account was settled for less than full balance due to an alleged remaining balance of $99.
  2. She was never informed that a balance would remain or that her credit would be negatively impacted.
  3. Conn restricted her ability to make payments online, citing previous *** transactions, and required in-person payments, which caused inconvenience.
  4. She requests that the credit reporting be updated to reflect the account as Paid in Full or ClosedPaid or to remove the settled for less than full " balance.
  
  Our investigation reveals that: 
  1. Ms. ***** agreed to a settlement offer of $599.00, to be withdrawn as $50 on December 25, 2024, $250 on January 31, 2025, and $300 on February 28, 2025. Although Ms. ***** did not pay the settlement within the timeframe, we honored the arrangement in March 2025 to close her account with a zero balance and reported accurately.
  2. ************* does not have a remaining balance on her account. The account was reported according to the agreed-upon settlement, which was less than her full balance.
  3. ************* accumulated several *** fees and was informed that we could no longer accept that payment method, but she could use a different payment option.
  4. *************** account is being reported accurately.   
  
  
  Upon reviewing Ms. ****** concerns, it shows that on December 24, 2024, she was offered a settlement to pay less than her total amount owed of $759.57. She agreed to the settlement of $599.99 and initially scheduled payments of $50 to be withdrawn on December *******, $250 on January 31, 2025, and $300 on February 28, 2025. However, she called back to split her December payment and scheduled $28 to be withdrawn that day (12/24/24), while the remaining $22 was set to be withdrawn the following day (12/25/24). The remaining payments were kept as scheduled.
  
  We confirmed that we received the payment for January 31, 2025, on February 1, 2025, but the payment scheduled for February 28, 2025, failed. The settlement was voided since the payment was not remitted within 30 days.
  
  Our records show that ******** called on March 29, 2025, to pay the remaining balance owed on the settlement. Although the previous arrangements were not paid on time as agreed,we honored the settlement and allowed Ms. ***** to pay the remaining $300 to close the account. Once the account was closed, Ms. ***** received an email acknowledging that her account was closed with a zero balance.
  
  As a courtesy, we requested that the ************* delete the tradeline. Please allow sufficient time for your credit file to be updated.
  
  
  
  Sincerely,
  
  Conns Servicing 

  Customer Answer

  Date: 05/02/2025

   Dear ******,
  
  I hope this message finds you well.
  
  I am writing in reference to my BBB complaint (Case ID #********* filed on April 15, 2025, against Conns Servicing. I recently received notice that the case was closed with the status: Answered BBB has not heard back from the consumer as to their satisfaction with the businesss response.
  
  Id like to clarify that I did not respond within the 7-day window because I was waiting to verify that Conns would follow through on their stated resolution specifically, their claim that they had requested a deletion of the tradeline from the credit bureaus as a courtesy.
  
  As of today, I have not seen any update or deletion on my credit reports, and I do not consider the matter fully resolved until this correction has been completed.
  
  I respectfully request that the case be reopened or updated to reflect Pending Resolution, and I will follow up once the credit reporting has been corrected as promised.
  
  Thank you for your time and support.
  
  Sincerely,
  ******* *****
  ************************
  **************
  *************************************************************************
  Case ID: ********
  
  

  Business Response

  Date: 05/05/2025

  We appreciate the opportunity to respond to Ms. ******* additional concerns. We submitted the tradeline deletion to the creditor on April 24, 2025. Please allow time for the creditor to update their records. We have included a copy the audit that was submitted to remove the tradeline. 

  Customer Answer

  Date: 05/05/2025

   
  Complaint: 23201298
  
  I am rejecting this response because:

  I appreciate Conns efforts and the submitted audit; however, I prefer to leave the complaint open until I confirm the tradeline has been fully deleted from all three credit bureaus. I will update this response as soon as the credit reports reflect the change.
  
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:04/10/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Incorrectly reporting negative information on my credit file for an account that was paid in full and verified by your employee. This ongoing harassment has now escalated to the point where your employee's actions have caused my account to reflect as past due by over $900, with no acknowledgment of payment history which is entirely false. I spoke to your representative and to tell a customer it's my fault, I shouldn't have paid in cash, and I will have to pay again.. It's outright userary. Your Account/customer relations department verified my payment, thank me and I was done. On April 10, 2024, my account balance was $563.81. I made a $550.00 cash payment on 4/12/2024 at your Mesquite store location. The store manager stated he would waive the remaining $13.81 in interest. I received a call from ******* (Conns employee), 4/15/2024, payment confirmed that she would adjust the remaining $13.86, as the manager had not yet done so. I was told this account was settled and closed. On August 12, 2024, when I saw the account was not closed, I started calling ***** and the store no one would help me; the Manager had left a few days after my visit and payment, the new manager didn't care, as the store was setting up to close. I reached out to Customer Relations for a return call. On 8/24/2024 I was contacted to pay ***** because I had not provided homeowner's insurance (the home isn't in my name) and that the account couldn't close without the payment being made. I paid it! This matter was clearly resolved, and my account should have been closed and marked paid in full.Additionally, I previously had to file a police report. Someone kept going into my account and adding items or changing the amount or calling me over 100 times in 2 days.

  Business Response

  Date: 04/15/2025

  Conns Servicing appreciates the opportunity to address Mrs. ******* concerns.
  
  Mrs.****** stated in the complaint that: 
  1. Her account was paid in full and is incorrectly reporting negative information to the credit bureau;
  2. On April 10, 2024, her account balance was $563.81. She made a $550.00 cash payment on April 12, 2024, and the store manager said he would waive the remaining $13.81 in interest, but he did not. She later received a call from *******, an employee at Conns, on April 15, 2024, who confirmed the payment and said she would adjust the remaining $13.86 and close the account.
  3. On 8/24/2024, she was contacted to pay $52.26 for the insurance to close the account, which she paid, but she still owed;
  4. She previously had to file a police report because someone kept accessing her account, adding items, changing the amount, and calling her over 100 times in two days.
  5. She requests a billing adjustment, a correction to her credit report, and no further contact.
  
  
  Our investigation reveals the following: 
  1. Mrs. ******* account has not been paid in full and is being reported accurately. 
  2. We have no record indicating that Mrs. ****** made a cash payment of $550.00 in-store or that she was informed a fee of $13.81 would be waived to close her account. She had been in contact with *******, who confirmed her remaining balance of $563.81 as of April 10, 2024. *************** made a $100 online payment on April 25, 2024, but this did not close the account. 
  3. We reviewed Mrs. ******* call history but found no contact records for her on August 24, 2024. However, we show that Mrs. ****** made an online payment for her regular monthly payment of $52.26. 
  4. No items were added to Mrs. ******* account since the date of purchase. Her account only reflects returned items. Additionally, her concerns about excessive phone calls were addressed appropriately when they were first raised. 
  5. Mrs. ****** does not require a billing adjustment, and her account is being reported accurately. We have also ceased all communication as requested.
  
  
  After reviewing Mrs. ******* concerns, our records indicate that she made an online purchase for an electric range and dishwasher, including installation. Her purchase qualified for a 12-month Cash Option Promotional (***) balance of $2,041.22, with payments of $52.26 due on the 7th of each month. We show that the range was delivered and accepted on August 10, 2023,but the dishwasher was declined during delivery. We verified that Mrs. ****** spoke with an online agent on August 14, 2023, who informed her that the dishwasher, dishwasher kit, installation fee, and haul-away fee had been removed, resulting in a credit of $890.85 to her account. 
  
  Our records indicate that Mrs. ****** contacted the online support department on April 10, 2024, to report being charged for a dishwasher she never received and to dispute the balance. She spoke to an e-commerce manager but did not allow them to explain her current account balance, abruptly ending the call.  Ms. ****** emailed a senior manager (*******) with whom she had previously corresponded in August 2023 regarding her balance dispute.  In that communication, she was informed that the dishwasher had been canceled, a credit of $890.85 had been posted to her account, and she had a remaining balance of $563.81. 
  
  After further review, we see that Mrs. ****** was more than ten days late in making her August 7, 2024, payment, resulting in the loss of the *** and interest accruing on her loan from the date of purchase. Courtesy calls began on August 8, 2024, requesting a payment of $13.56 to bring the account current, but all calls were ignored. Mrs. ****** spoke with an agent on August 12, 2024, but declined to make a payment and requested that calls stop. That same day, she emailed the senior manager regarding excessive calls. In the email, Mrs. ****** acknowledged that her August 2024 payment was late and stated she would pay the full balance on August 25, 2024. However, our records show that Mrs. ****** made a regular monthly payment of $52.26 on August 24,2024. 
  
  On January 22, 2025, Mrs. ****** sent an email stating that she paid her balance in full in April 2024 and had proof. However, when attempts were made to reach her by email, she did not verify her account. Therefore, we tried to contact her by phone, but all calls were ignored. 
  
  We are unable to honor Mrs. ******* request for a billing adjustment. We have no records indicating that Mrs. ****** paid $550 on April 12, 2024, to close her account, and she has failed to provide proof of payment.Additionally, if the $550 payment had been made and she had been told the account would be closed, as she alleged, Mrs. ****** would have immediately noticed that the account was still open prior to making her $100 payment on April 25, 2024. 
  
  If Mrs. ****** can provide a receipt showing proof of payment, we will be happy to review it further.
  
  
  Sincerely,
  
  Conns Servicing 

  Customer Answer

  Date: 04/15/2025

  This company is harassing me now, they updated my credit report to show I am 120 days late, when I call they hang up on me, laugh in the phone, and now this is 3rd letter with a different amount.  This balance is paid.  

   

  Have a wonderful day,  

  Deanna 

  Customer Answer

  Date: 04/16/2025

  Each payment and the updated balance was send by the **************** Manager see the email updates with the payment info.  She was my direct contact after I filed the police ***ort for phone harassment and terroristic threats made by a sales person whom I didnt know and had never met her. 

  If I owe anything it is the balance of that $11.55 and any interest that would have accrued from 8/24/24 though today, which is 8 months, approximately ***** in interest.  Today I received a letter stating my balance is $****** which again is completely different total then before.  I state this because they keep changing my balance, each time I am told my balance is 1800, 1000,  I don't anything and now ****** but they will settle for ****** this is a scam to get more money after bankruptcy.  Its seem customers who made cash payments now all of sudden there is no record of the payment and who keeps a cash receipt a year or more after the payment especially after the manager told you, you were good.  Again, I admit to the balance of  $11.55.  I am so upset because after I made the payment 8/24/2024 of ***** the customer service *** told me my account was settled.

  Business Response

  Date: 04/23/2025

  We appreciate the opportunity to respond to *** ******** additional comments. We have reviewed the emails *** ****** provided and acknowledged that on April 10, 2024, she was provided with the remaining balance of $563.81. However, *** ****** only made a $100 payment on April 25, 2024. We have no records reflecting that she paid $550 in-store and she has not provided any supporting documents for the alleged payment. All previous payments by *** ****** were made through the online portal. Additionally, *** ****** did not mention paying a large balance in-store to close the account until January 2025, although previous correspondence had been sent to her several times regarding her past due account. 
  
  In reviewing  *** ******** call history, there are no call records showing she spoke with an agent who informed her the account was "settled" before or after making her payment on August 24, 2024. We have included the email thread *** ****** sent to management in August 2024, that was regarding excessive calls. In those emails, she acknowledges her account being past due and owing a balance before the August 24, 2024 payment and then acknowledges that her account is current after making the payment, which validates that she was aware the account was not closed in April 2024.
  
  Since *** ****** lost her COP in August 2024, the account has accumulated interest from the beginning of the loan as stated in the terms. As of 4/23/25, *** ******** current balance is $787.68, with a past due amount owed of $402.87. To make a payment, please contact customer service at ************.
  
  

  Customer Answer

  Date: 04/23/2025

   
  Complaint: 23173643
  
  I am rejecting this response because:
  There is clearly a disconnect next step I will go legal. My account was under ****** *******, not ****** ****** that was an account I had previously got aporoval for stove, refrigerator and dish washer that I  never completed a transaction. The balace you state now doesn't make sense and each time I  receive correspondence or calls the amount is drastically different Conns continued to missaply my payments through and the Manager would correct. It was established that I would only work with the **************** Manager as you see in the correspondence. Now an email from the Manager acknowleging my cash payment, as well as stating SHE WILL GET IT APPLIED to the right account is meaningless and she was handling my account,  really?. Money was taken out of the bank because the credit cards were not working in store,  I will NOT PAY TWICE. I track my location for business and it clearly shows me in the location for 17 minutes, I govthe bank, take out cash, realize I only had 550 available the back to store for 47 minutes but I  didn't make a payment, this is not right, and I  will fight this. Conns has a documented history of misappropriation on my account, as well as employees changing my account. The Dallas police and *************** got involved. We can go to court, Conns had a history of not applying payment correctly and or inflating accounts balances with many customers,  this is documented in the court proceedings. I will be asking for everything the court allows, I will not be taken advantage of by Conns twice! . There was no record of 100 calls placed to my cellphone but police saw them in my phone my cellphone co provided the back up and the police moved forward with charges, this is Conns game, deny deny deny. Now almost a year later and after a Manager acknowledged my payment they say "Show me a reciept" clearly the Mgr acknowledged the payment. THE STORE IS GONE! CLOSED...You can't play with peoples lives and credit. 

  Bankruptcy has not changed the way this company handles customers and I will not be taken advantage of. Like I stated, if anything I owe 11 or ***** balance and any interest incurreed from that.. Conn will not get anything more from me than that, that is all I owe. I will spend the money for my attorney to take this to court. My credit has neen effected and I  am a contractor my credit is my business footprint, I will seek all damages allowed. I have already lost 2 contracts due to decrease in my credit for Conns statement of my account being past due, each contact was at a minimum of ********. I fought Conns for harassment and won, I won't be taken advantage of again. 

   

  Sincerely,
  
  ****** Medford 

  Customer Answer

  Date: 04/23/2025

  I will reach out to an attorney, they havevupdated my credit report 3 times this month alone causing undo harm to credit. The email from the customer service manager clearly acknowledges my cash payment and getting my payment applied to the right account. My location history shows me at the store then to the bank 550 was taken out then back at the store. Conns has a proven documented history of misappropriation of payments, claiming balances that were already paid this has been almost a year and now they come back after their bankrupt after the store is closed after all documentation is gone to show me a ledger on an account that doesn't even bear my real name this was a problem I've already had to file a police report due to employees going into my account charging me for items I never asked for and never received and having to really go through their HR department and find out who this person was and they took care of it supposedly and now here we are again I am tired of being abused by Conns over a stove this makes no sense whatsoever. If the burden of proof is my word against yours well the proof shows and all of the litigation cases that have happened against cons for the same exact thing I'm not a person standing alone there are so many consumers who are having the same problem with kind and it makes no sense that all of a sudden that they can say my payments don't exist when a manager clearly says I see your payment I will apply it correctly I'm tired if it takes me standing my ground with an attorney that's fine I will do that believe me three have already reached out to me that have already sued ****** previously it makes no sense to have true documentation showing you and then you say I don't because I don't have a receipt when you're on employee a manager recognize the payments all the payment and you already knew that my account was messed up to begin with so it's not my fault that my payment was Miss applied I'm not paying twice and the amounts keep changing every single time the amounts change so they don't even know what I owe I've said this from day one the only thing that was left on that account was less than $15 and if that's what I need to pay with whatever interests they want to accrue then I will do that but I know that that can't be over 50 to 60 bucks I'm not going to be taking advantage of I'm just not they're in bankruptcy and trying to get money out of me again I'm not going to do that

• Initial Complaint

  Date:04/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Inaccurate information I did not open any account with ********************** Capitol systems LLC. They are claiming to be the original creditor of an account. It issaid that the account in question is for $3589.

  Business Response

  Date: 04/11/2025

  April 11, 2025
  
  
  
  Better Business Bureau
  ****************************************************************************************************
  
  Re:          ******** ****** / ID# ********
  
  Dear BBB Accreditation Team:
  
  We are in receipt of your correspondence sent on behalf of the above-referenced customer.
  
  This letter will confirm that we are responding directly to ******** ****** via US mail to attempt to resolve this matter.Attached is a copy of our response.
  
  Thank you for the opportunity to be of service.
  
  Sincerely,
  
  
  
  Consumer Relations Staff
  On behalf of Jefferson Capital Systems, LLC, A Debt Collector

• Initial Complaint

  Date:04/04/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear BBB,I am filing a complaint against Conns Home Plus regarding my purchase of couches on July 20, 2024. All actions related to this purchase were completed on an iPad. Below are the details:Purchase Date: July 20, 2024 Product: Couches Salesperson: ****** (New Employee)The salesperson, ******, did not inform me about required renter's insurance and signed my contract for me. He assured me that I would receive the contract via email, but I never did. I provided my correct email address as proof. I was initially told my couches would be delivered on July 22, 2024, but when the delivery was missed, customer service promised delivery for July 23, 2024, and assured me the issue would be waived.Upon reviewing the contract, I found it contained an incorrect date of birth due to the salesperson signing it. I later contacted the store to inquire about the contract and was told they had gone out of business.After this, I started receiving emails from ******, but when I tried to inquire about my payments, I was told they had no record of me due to the incorrect DOB. I want my balance corrected so I can pay in full. I also request that my credit be restored, as there have been numerous misunderstandings and errors. Also I was told I did not enter into any payment protection but I got email that said I did. I have made repeated attempts to resolve these issues, but there has been no satisfactory response. I hope the BBB can assist in resolving this matter and ensuring my balance is corrected and credit restored.Thank you for your attention to this matter.

  Business Response

  Date: 04/16/2025

  Conn's Servicing appreciates the opportunity to address Ms. ****** concerns.
  
  Ms. **** stated in her complaint: 
  1. The salesperson did not inform her about the required renter's insurance and signed her contract.
  2. She was told she would receive the contract via email but never did.
  3. She was initially informed that her couches would be delivered on July 22, 2024, but the delivery was missed, and she was told the delivery fee would be waived.
  4. She began receiving emails from ******, but when she tried to inquire about her payments, she was informed that they had no record due to an incorrect date of birth.
  5. She requests to have her balance corrected so she can pay in full and restore her credit; and
  6. She was told she had not entered into any payment protection but received an email stating that she had.
  
  
  Our investigation reveals that: 
  1. Ms. **** signed her Freedom to Choose, confirming that she was informed of the insurance purchased and agreed to the terms. Additionally, Ms. **** voluntarily signed all her documents via E-signature.
  2. Ms. **** did not provide a valid email address during the transaction, resulting in the contract being returned as undeliverable.
  3. Our records do not show that Ms. **** was offered a discount for the delivery.
  4. Ms. ****** account has been verified with the *** she provided. Numerous attempts have been made to contact Ms. **** regarding her account, but all attempts have gone unanswered.
  5. Ms. ****** financed amount is valid, and her information is being reported accurately.
  6. The "protection plan" refers to the insurance Ms. **** initially agreed to purchase. However, she canceled the insurance on February 20, 2025, and received a credit to her account.
  
  
  Our records show that on July 20, 2024, Ms. **** purchased a sofa and loveseat financed through ****** HomePlus. Her purchase qualified for a 12-month Cash Option Promotional balance of $2,061.34. During the transaction, Ms. **** was provided with an iPad to sign her documents. She used an adapted signature to complete all the necessary forms and electronically signed the attached promissory note. The promissory note outlines all items purchased and the insurance selected. Insurance coverage is required on all financed merchandise. Ms. **** did not provide proof of homeowner's/renters insurance at the time of purchase to waive Conn's insurance and signed the Freedom to **************** coverage. Additionally, Ms. **** did not supply a valid email address during the transaction to receive her signed documents, resulting in the contract being returned as undelivered.
  
  We show that on July 22, 2024, Ms. **** contacted us to confirm her delivery and verify that we had the correct and complete apartment number. Her order was delivered on July 23, 2024. Our records do not indicate that Ms. **** was offered a discount for the delivery.
  
  Upon further review, we show we attempted to contact Ms. **** regarding her outstanding payment on August 19, 2024, but could not reach her. She returned our call on August 20, 2024, stating that her signature had been forged on the documents. She also mentioned that she disagreed with the purchase amount or the included insurance and that the delivery should be waived. Ms. ****** claims could not be validated.
  
  We confirmed that Ms. ****** financed amount is valid and her information is being reported accurately. To make a payment, Ms. **** may contact customer service at ************.
  
  
  
  Sincerely,
  
  Conn's Servicing

  Customer Answer

  Date: 04/16/2025

   
  Complaint: 23156493
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** ****

• Initial Complaint

  Date:03/27/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a conns account more than 7 years ago. The conns debt was put into collections and closed years ago and was supposed to fall off after 7 years. Instead it was added again from Jefferson capital systems 3 months ago using the same debt amount. This needs to be addressed by removing the debt as a whole.

  Business Response

  Date: 04/04/2025

  April 4, 2025
  
  
  
  Better Business Bureau
  ****************************************************************************************************
  
  Re:          ****** ******* / ID# ********
  
  Dear BBB Accreditation Team:
  
  Jefferson Capital Systems, LLC received the above referenced correspondence sent on behalf of ****** ******* and we reviewed our file. Our office understands these matters can be stressful, and we strive to treat every person with respect and dignity.
  
  Jefferson Capital will contact ****** ******* directly via U.S. mail to attempt to resolve this complaint. Attached is a copy of our response.
  
  We appreciate the service provided by the Better Business Bureau and its assistance in resolving this complaint. Thank you for the opportunity to be of service.
  
  Sincerely,
  
  
  
  Consumer Relations Staff
  On behalf of Jefferson Capital Systems, LLC, A Debt Collector