SHREVEPORT, LOUISIANA -- I purchased A LG 65 inch 4K from Conn's on 11/23/14. It was a Christmas gift for the family. It was delivered the following day. The delivery guys just set it down and walked out the door. I called them back and asked them to open the box because the television could be cracked or something. He showed me that it wasn't cracked. The TV sat in the box taped up. Until 4/10/15 because it was going to be mounted. Well that didn't happen because once it was mounted it didn't work.
I called Conn's the same day. Rude as ever sales reps. And managers continued to inform me of what I signed. I informed them that my sales guy came to my house at 9:30 pm to sign a paper outside in the dark and told me I was signing a paper that he forgot to get me to sign in the store for the delivery. I believed him and signed.
When I contacted the BBB I get a response from company stating that I was aware of policy and signed to that effect. Then they sent a copy of signature. My signature was 4 inches above where I was to sign because it was done in the dark. She stated she wasn't replacing the TV nor would she refund my money. Stated I could call repair dept.
No way am I going to take this laying down. They sell me a defective product and want to put the blame on me for not knowing it's defective. What are we suppose to take the television apart and look for a broken dash panel? I think not! Then they inform me to come in with the television and do a voluntary repo. I refuse to pay one more cent to this company.
I'm in the process of contacting The La. Attorney General's office and filing a lawsuit. This company is a ripoff. They use lies and deception. The products must be refurbished. Also the time on the delivery receipt is 2:41 pm. I was working and clocked out at 2:53 didn't make it home until 3:15.
ARIZONA -- Read the small print! I did not need the insurance so I took a copy of my renter's insurance in and had it removed from the policy. The item I purchased was interest free for 12 months and they gave me a payment book. I sat down and figured out that I had to make double payments each month to get the item paid off in time to avoid their high interest (on a computer that was already overpriced..but I REALLY needed it).
I made my first payment two weeks early and always made double payments online. When I got a bonus or some extra money, I'd get online and pay and extra 50 dollars or so. When paying online you can see what the payoff is to avoid having to pay interest. I made paying them off a priority and determined I'd not charge anything else till they were paid. I didn't deal with in store people, customer service or anyone.
One day I realized that I was four months ahead on the payoff. I then figured out what I owed to pay them off and picked an amount to pay them every two weeks. I never had any problems with them and I love the computer. I didn't get any of their extra perks because I have a good computer guy if my computer breaks, take good care of it and also it's still covered by the original manufacturer warranty.
Now if you only make the monthly payment and think you are going to get by "interest free" you are fooling yourself. Conn's will send you a letter telling you what you have to pay and the date it has to be paid to avoid interest. Since their items are always higher than retail, avoid paying the extra money by paying attention, reading the small print, make paying the bill a priority. If you do this, you won't be one of the people on here writing about being "conned" by Conn's.
Personally, I would not buy anything large that has to be delivered based on what I've read. I took my computer home with me and it was fine. But had it not been, I would have taken pictures of it, then gone right back to the store with it the next day explaining the problem and showing the pictures to the salesperson and asked for a replacement and waiver of their "restocking" fee. Hope this helps somebody.
AUGUSTA, GEORGIA -- I will never EVER buy anything from Conn's again!!! Anybody thinking to buy from these people better "buyer beware"!! We purchased a Bose system from them last weekend ($1625.00) and after hooking it up, it wasn't all it was cracked up to be. Today I want to return it but noooo... it won't be that easy. Apparently in their return and exchange policy, you have to pay 15% restocking fee!! In other words... I have to pay $244.00 to return a product that I'm not satisfied with! What a rip off!
The kicker is the salesman that sold me this thing, didn't mention a WORD about the restocking fee while he was busy selling me the extended warranty, but he was all about telling me how I would get a phone call from Conn's asking if he gave me good customer service.
Even better, I was thinking to buy new furniture from them after Christmas, but according to their "return policy", you "can't return furniture, mattresses, décor OR accessories unless it's inspected by a Conn's Service Tech and found to have a manufacturer's defect". What the hell?? I would NOT have had these problems if I would've just used Best Buy!! With Black Friday around the corner... Consider yourselves WARNED!!!
DALLAS, TEXAS -- Conn's refuse accept responsibility for their sales practices. The 12 months same as cash is not even listed in the contracts. People beware this is only a verbal agreement in which they will find any reason not to honor. Conn's have engaged in, and will continue to engage in the unlawful practices set forth below.
Conn's have caused and will cause immediate, irreparable injury, loss and damage to myself, and will also cause adverse effects to legitimate business enterprises which lawfully conduct trade and commerce. Despite the lengthy and high pressure sales presentation, I was not presented with a copy of the actual terms and conditions of the 12 months same as cash at the time of the sale in the store.
The actual terms and conditions of the 12 months same as cash are not made available to the consumer and not disclosed by Conn's prior to the sale. Unknown to the customer at the time of sale, 12 months same as cash contains exclusions, limitations of liability, cancellation penalties, and an arbitration clause—all of which are designed to favor Conn's.
In addition, at the time of sale the consumer is misled to believe that the 12 months same as cash is for 12 months and will cover the product for the one year period; the actual terms of the agreement, are quite different and state that the agreement “expires” upon any payment that is over 10 days late. That Conn's refused to honor the terms of agreement and continues to advertise it under false pretense.
Conn's in the course and conduct of trade and commerce, have directly and indirectly engaged in false, misleading and deceptive acts and practices declared to be unlawful by the DTPA §17.46(a). Without limiting the foregoing, Conn's also have violated DTPA §17.46(b), by engaging in the following conduct: false, misleading, or deceptive acts or practices in the course of trade or commerce.
Therefore causing confusion or misunderstanding as to affiliation, connection, or association with, or certification by, another. By representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities which they do not have or that a person has a sponsorship, approval, status, affiliation, or connection which he does not. By representing that goods or services are of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are another. By advertising goods or services with intent not to sell them as advertised.
By representing that an agreement confers or involves rights, remedies, or obligations which it does not have or involve, or which are prohibited by law. By failing to disclose information concerning goods or services which was known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed.
Because Conn's have engaged in the unlawful acts and practices described above, Conn's have violated and will continue to violate the law as alleged. Stay away from them, you will be trapped like me and my family and get nothing but excuses on how they refuse to fix the issue at hand. I am referring this to the Attorney General Office. This predatory to all Texas citizens.
HOUSTON, TEXAS -- My experience with CONN'S has been by far the worst experience yet!!
PART 1: I went into the store Friday with a friend who was purchasing some merchandise. After listening to the sales pitch I thought to myself this isn't a bad place. Maybe I should see if I get approved. Of course I was approved for the $2000 amount (which I'm not finding is a norm). I picked out a couch and a camera. For whatever reason the transition couldn't be completed that night and I was asked to return the next day.
PART 2: Saturday morning I'm getting calls from Conn's to come by the store and finish my purchase. I arrived Saturday afternoon and was sitting around the store for several hours not doing anything. I left went and sat down at a deli, ate and came back and STILL had to wait some more. When I finally told the sales man ** I was leaving and I wanted to just say forget the whole thing, he hurried and followed me to the car with his manager, ** who would assist me from there. All the sudden everything went really fast.
He told me to sign some papers not really explaining them and told me to sign two of each and I received neither. He gave me the camera and set up a delivery date for Monday and because I work it would be before 11 am but he didn't know an exact time. Mind you I haven't paid for anything yet.
PART 3: I leave the store with my friend who originally went in to make a purchase. She had to pay a deposit and it was really weird that I didn't have to. We were in the car and Conn's hadn't collected any money from me nor did they have a way to. I considered not worrying about it but then thought that was really the dishonest thing to do. So about an hour after leaving the store I called back and made them aware of the store manager's mistake and paid over the phone. I was told that I would receive my receipt and some important documents Monday during my delivery.
PART 4: Monday comes around and I'm sleeping in waiting for my delivery. I've taken off of work so I'm losing money but I don't mind you have to do these things sometimes. At about 8 am I receive a call and it's the warehouse. The guy on the phone lets me know he'll be there to deliver my couch anytime between 1 pm and 4 pm. Uh hello sir, just like you I have job that I need to go to and I live alone. I was told in the store before 11am. I would've taken off work but I had an important meeting right at 1pm.
I was then informed that I would get another call on Tuesday and that the time would be unknown again. I was told by the CSR that they would make sure it would be before 11 am this time.
PART 5: Tuesday comes along and so does 8 am. No phone call from Conn's. So I finally decide to call about 9 am and talk to the warehouse. I'm now informed over the phone that my delivery will come between 3 and 6pm. I'm sitting at home waiting because you said 11 am. Okay oh well. I go into work (late mind you) and tell my company president I'll have to leave early at 3 pm. Thankfully it wasn't a big deal.
I asked to get a 30 minute call prior to getting my furniture so I could leave work and meet them. 3 pm comes and no call so I keep working and working. At 4 pm I decide to leave work and go home and wait for my delivery. I'm sitting at home at a 5 pm. I decide to call Conn's right when I decide to call them and cancel the whole order literally as the man on the phone was pulling up my account the delivery man calls and states that he's lost outside.
PART 6: The delivery man was beyond rude on the phone and this would later continue in person. It was at this time about 5 pm so traffic was kind of bad and it had just finished raining really bad. I gave him perfect directions to my building but because he had to make a sharp u-turn and then an immediate right in a large truck he wasn't able to get to me which I completely understand. On the phone he has an attitude with me like it's my fault though. He ended up parking his truck 2 building over from mine which meant they would have a little bit of a distant walk.
I tried to get him to come into the back parking lot but he had an attitude at this time and was rude and irritated. They decided to dolly the furniture from the truck pass two buildings and up to the 3rd floor where I live. LOL bad idea but hey whatever. So, they finally get the furniture to my apartment and he asks me to sign a paper confirming I received the delivery. I did. I asked for my receipt and paperwork and of course he had no clue what I was talking about ugh!
PART 7: I'm not worried about the paperwork at this time I'm just finally happy to have my new couch. Now I can move around and worry about other things in life lol. As I'm touching my couch on the back end of it it's a huge metal piece sticking out the end! It's small enough not to see if you're not looking for it but big enough to see now that you know it's there. Being that I didn't know it was there I cut my thumb really really bad. Majority of my thumb was sliced across this metal piece which caused bad bleeding and is restricting my typing right now (I'm sure you can tell) lol.
PART 8: The next morning (today) I called Conn's to get my paperwork and tell them about the metal piece. Here is where the fun begins. I called the (877) 358-1252 number and get an immediate answer after like 1 one ring which was really weird to me for such a huge company. The girl who answered the phone was beyond rude and ghetto (ugh I hate using that word because it can be a good thing but it was bad in her case... very very very bad lol). I was informed for the first time ever that paper I signed with the delivery man was stating the we inspected the couch and that it was perfect therefore I wouldn't get an exchange.
Then when I said I wanted to return the couch I once again hear for the first time that there is a no return policy which was NEVER mention to me. She called the store manager who told her he told me all this when he took my payment and gave me a receipt and some booklet brochure type thing. Hello?!? How can I get that if I didn't pay in the store. Remember I paid over the phone being stupid honest Billy?!? Anyway she argued with me, refused to allow me to speak and then hung up on me.
PART 9: I called back. (Wow this story is getting long, let me speed it up). I called back talked to a nice guy named ** in collections. He said, "Oh no worries. We'll help you out. It hasn't even been 24 hours yet. Let me get you to the right department for a return." He transferred me to another lady who was equally as rude as the first. I'm at this point hot and want to return the cramp because I now hate this company with a passion. Her attitude was off the chain and I couldn't deal anymore so I asked to speak to a supervisor. She told me she was the supervisor.
After going back and forth for a while she finally transfers me. The next lady, **, I spoke to was very calm, polite and helpful (so I thought). She informed me I couldn't return the cramp but I could do a volunteer repo. At this point that's exactly what I want to do. I don't care what it does to my credit I just don't want to deal with Conn's anymore. She tells me to go to the store and they will help me with the volunteer repo and they will come pick up the furniture. I'm finally happy and can breathe. Mind you ALL these phone calls are while I'm at work.
PART 10: Less than 5 minutes after happily ending my last phone call, I get a call from ** the store manager to find out what's going on. I tell him the whole very long story and he tells me I was informed wrong. I was told not to come back to the store ever again if I planned on returning the stuff. If I wanted to return it I needed to speak the customer help line that I just hung up with and that I would have to find a way to return the material myself. I didn't want to stay on the phone with him long because he too was very rude so I hung up the phone and called back the helpline.
I now get a chance to talk to **. I'm learning names very well lol. She tells me this whole long story about the last lady was wrong and that they won't pick up the furniture but I can still do the volunteer repo. She transfers me. I'm on hold for 20 minutes and nothing. So I call on my other line. Now I'm on hold for the repo department on two phone lines. The second line I had been on hold for about 5 minutes when a lady answers I tell her what I'm waiting for and she puts me back on hold. About two minutes later ** answers the phone surprised that it's me. I know this because she says
LUFKIN, TEXAS -- In March of 2011 my husband and I bought a bedroom set with mattress and box springs. We had to have it delivered/setup, the delivery guys would not come into our home and did not set up our bedroom set. We noticed when we were setting the bed frame up that the head board and foot board had some problems. The head board had a crack all the way down the back of it (like someone stepped onto it) and the foot board had spots were someone had touched it with glue on their hands then tried to stain over it letting the stain run all the way down the foot board.
I called Conn's and spoke with my salesman about it. He said "hold" and got the manager on the phone then the manager told me "we will order you a new head and foot board it will be here in 3 days." 4 days later I called to check on the bed and found out it was never ordered. The salesman then ordered it and hand delivered it plus set the whole thing up for nothing for all the problems I had with the bed and the manager.
In February 2012 I called to set up service for my mattress I had purchased in March 2011 due to the mattress starting to sag and push out the sides it was set up for. March 2012 the service tech came out took his pictures and measurements and sent in his report. I called 2 weeks after the service tech was out and check the status of the report I found out that it was closed due to "nobody was home to do a service call for." I gave them the name of the person who came out the time they arrived and the time he left. They then informed me he no longer works for them and they will set me up for another service call in 6 months since I missed the last service call.
In October 2012 the service tech came out and took pictures and measurements again. (This time it the sagging was much worse than before.) The guy said he would file the report and I could call in 3 days if I have not heard anything. 3 days came and I was about to call them and a voice mail came in telling me to go pick out a new mattress. They were replacing it.
In early November of 2011 my husband and I purchased a living room set from Conn's. Had to pick it up because it was going to be after Thanksgiving before they could set up delivery. We picked it up and set it up at home. On the loveseat the whole chair started falling toward the left and it was becoming noticeable when you looked at it. In March of 2012 I called and set up service the first of 4 (8 if you count the 4 for pictures and then 4 for the service) service people came out did his pictures and said we need to order parts. They will be shipped here and a tech will come out and replace the parts.
The parts arrived and set in my living room for a week before I called service to ask when they were coming out. I was told there had been no request for a tech to come out and they would schedule one. He came out replaced the parts and that was that about a 2 weeks later. I had to call service again for the same problem (this time you would just fall to the arm of the chair.)
The service guy came out took pictures and ordered the same parts and told me the same thing about "when the parts arrive the service tech will be out here to fix/replace the parts." I waited 3 days and called to make sure a service guy would be coming. (He was.) He came out and fixed it again and told me the same thing "if there is anymore problem just call service".
In July of 2012 I called for service to come back out for the same problem. They again did the same service and I ended up call for them again. In September 2012 when the tech came out to do the pictures and all that he does. I let him do it. Waited a few days. Called to check on the service. Was told the man was going to be there Monday between 8 am-11am to fix the problem. I said that was fine. The guy arrived with the part fixed and was about to leave when UPS dropped off the part.
He told us to keep the extra part if we wanted to which we did. I called in again but told them this was going to be replaced because they have already been out to fix the same issue 4 times. They told me I could not get it replaced because I did not buy the warranty. I then told them that I have not even had this a year and it was sold to me broken. They said all they can do is keep sending out service techs to fix the issue and I could only have it serviced 6 times before I was charged the service fee.
I told them that there would be no reason to set up service because I was going to the press about this and would be bring the furniture back to their front door. I hung up with that person. Got on the computer and sent emails to the local paper about what was going on I also called BBB and Cat napper (the maker of the living room set).
I was called in September 2012 by Conn's head office saying that a new loveseat was ordered and I could pick it up whenever I wished. I went to pick it up and the store manager told me that I would have to load it myself that her employees would not touch that couch. I said "that was fine with me." I went to go find it and she told me I was not allowed to go in the back room. That she would have it brought to the front door for me then I must load it myself. 2 really nice young men brought it to the front and loaded it for me and told "Here. She could not do that to a customer." (They were both fired 2 weeks later).
In April 2013 we had to buy a microwave due to ours catching on fire, so I went to Conn's and picked it out. I had to do an in house credit for personal reasons, got everything done and even showed them my homeowners insurance. I was going to have an 11.00 a month payment for 12 months. I went in on May 19, 2013 and made a payment of 11.00. Before I made the payment my balance due was 105.33 so, when I made the payment my payoff should have dropped to 94.33 which I thought it had.
I went in on May 21, 2013 to go ahead and pay it off. The new pay off was 106.48 after the 11.00 was taken off for a payment. The cashier called customer service. They told her the computer was right and the customer was wrong. I asked to speak with them. She then told me that because I was paying it off sooner than the 12 months that there is interest. That is where the balance of 106.48 comes in.
When asked why my sale slip says 105.33 due in full, she said it was an error and Conn's is not responsible for errors like that. I told her my payment book tells me that I owe Conn's 94.33 and that is what I will pay. If there is any problem then Conn's can take me to court. She then told me that I was being rude and not giving here a chance to fix the mistake/misunderstanding.
I asked her if she could please tell me why there was and additional 5.00 charge on this account and she said "it was for insurance." I told her she was wrong because the salesman took my papers and made copies of them showing my home owners insurance. So I asked her "So I was being charged for insurance which I already had, plus I'm being charged more for paying it off early." She said, "No, you are going to pay the 106.48 owed on the account or it will be turned over to collections." I said, "I will not give you a dime. You can turn me over to collections and I will contest this and see you and Conn's in court." I then hung up.
Two hours later, my cell phone rang and Conn's was calling me to tell me there was a misunderstanding and my balance due is 95.00. My husband went and paid it off, even after telling him not to.
PLANO, TEXAS -- Conn's does live up to their name. I've purchased a Stove and Dishwasher in Dec 2012. I was given a 6 month interest free sales plan. I was excited at the time of purchase with the no interest for 6 months. I've paid each of my instalments prior to the due date and towards the 5th month, I tried to get a full pay off amount that would complete my contract and be paid in full. This was evidently a difficult experience for Customer Service and I had to call several times to confirm what was reported to be the correct amount. I paid in full and thought this transaction was completed.
In April 2014 I received a brochure that showed that my credit has been increased and on this document I noticed that their records show that I still owed $1,072.47 which was totally incorrect since it was paid in full nearly a year prior. I started on a calling campaign trying to get this issue resolved and was given several different amounts that they showed it was due even though it was paid off. I was then instructed that I must wait 24 hours so that the Finance department could review and they would advise what the problem was. Customer Service could not explain what the charges covered and could not give any explanation.
I called after the 24 hours and then was told that I must wait another 72 business hours before this process was entered and then reviewed. Each time I called back within the 72 business hours and was given another runaround and was told that all of these charges were due in full and need to pay starting August 2014, although they still could not explain what the charges were related to. I requested proof of the amount due in a statement so I could understand why Conn's demanded payment on something that was paid in full of March 2013.
This has been a horrible experience and at last count I made over 18 calls trying to get resolved or get some kind of resolution from Conn's store or Management. This company is extremely difficult to resolve disputes and only want to collect money that is not due to them. I finally received a letter stating that my account was paid in full and that I never actually owed the $1,072.47. My advise to everyone is to stay away from Conn's, very far away!!!
LAFAYETTE, LOUISIANA -- Purchased $700 Progressive Madison bed from CONN'S for Christmas present to my daughter. Met delivery truck on scheduled time to find that all the pieces were not on the truck. Made several attempts to speak with the General Manager, ** but he wouldn't come to the phone nor did he call me back. Spoke with the **, the Salesman, in attempt to get the missing pieces.
Made several attempts to have Delivery bring the missing supports and slats. They claimed that they had been trying to reach me and my response was that I could prove that to not be true with the cell phone records, that they had made NO ATTEMPT to contact me. The end result with the delivery department was that they said that they didn't like my attitude and didn't know what to tell me. I explained that they were on speaker phone and had that I had a witness listening to the conversation and they hung up on me.
I filed a complaint with Conn's in November via phone as well as online, a copy of which is attached. Had to pick up the missing pieces at the store with no offer to reduce the delivery fee. There were only (3) slats and "Sealy" (Mattress Manufacturer) says that less than 5 slats voids the warranty. Now that Christmas has come and gone, I have inspected the headboard to find that the Manufacturer cracked one of the connections and you can see where they wood putty the holes where the screws went all the way through. Conn's says that they won't swap it out the headboard that they will send a repair person out.
I asked that they just switch out the headboard since it hasn't been assembled, nor do I have all the pieces and it is clearly a Manufacturer Defect. THEY SAID "NO." I have made attempt to contact the manufacturer and have not received call back; Company is PROGRESSIVE FURNITURE out of Ohio. After letting these people come out and tell me they want to repair it or it's fine the way it is will be to FILE SUIT IN SMALL CLAIMS COURT against Conn's for selling defective merchandise.
HOUSTON, TEXAS -- I had to finance a refrigerator through Conn's, then a few months later I lost my job. I had been unemployed for more than a year and still found some way to pay the Conn's bill. When all of my savings dried up ran out and I am no longer able to pay.
The automated phones calls start the day after the due date even though in writing the person has a 7 day grace period before you start to accrue late fees. These automated calls happened everyday sometimes 3 to 4 in one hour from several phone numbers. After a while people started calling also from several different phone numbers.
The first person I spoke to I explained my situation and still they suggested I ‘put my wife to work to help pay off the bill.' I of course do not have a wife and what I do in personal life is none of Conn's business. After a back and forward argument with the collections representative and their supervisor, the supervisor also told me ‘Conn's was there for you when you needed us, now we expect the same in return.' So I offered Conn's the last 17 cents to my name and she replied with "you can't do better than that?" Finally, I told her I am hanging up and she said she will mark me as a refuse to pay and will be reporting it to the credit bureau.
Almost an hour later another call from the automated system at 8:30 pm. The following day another call from a person. And the next day each of them telling me the same suggestions on what I should do and questioning why I am able to pay my other bills except for Conn's which is of course again none of their business as I have told them several times over and over again.
I am unemployed, no one is getting paid. My phone may be cut off soon and my car repossessed, and no I do not have a wife to send into the work force. Just ridiculous, they are by far the worst customer service I have ever experienced.
CHANDLER, ARIZONA -- Had a couch delivered Monday July 7 at 11 AM, I did not notice the problem area(s) until after the delivery. On the back of the couch (where the back panels meet in the corners) it's peeling back on most of the corners and you can see screws and Staples. There is also material that has been rubbed off on the corners, like its been dragged on the ground.
I was told by delivery that I had 72 hours to call if there was an issue. I called 623-882-2400 at 8:30 am on July 10 (NOT YET 72 hours). Once I received a call back at 1:53 PM (now after 72 hours) I was told that it's over 72 hours (because Conn's counts days not hours) and they will send someone out to repair it. Why do the delivery drivers say 72 hours if it's not really 72 hours?
I called customer service and no one can help you. They tell you to call the store, the store tells you to call customer service and they in turn transfer you to the "correct" department, but it's never the correct department. They open tickets and then close them as resolved without ever communicating what the resolution is. They tell you, "Oh I am waiting for corporate. Let me call you back" And they never call. On Saturday July 12, I finally called the manager at the Chandler store, **, and he told me that they were going to replace the defective section of the couch.
The delivery people called that same day to set up a time to come out and replace the defective couch. Sunday, July 13, the delivery driver is at the house and tells me that Conn's ordered the wrong one. You deliver a couch that is already falling apart and then when you try to correct the problem you mess that up too. I had other items that we purchased (oven, rug and microwave) that have not been delivered and I have already canceled those.
On Monday July 14, I called customer service yet again and asked them to come pick up their defective couch and to close the credit account.. I was told they could come get the couch, for a $129.00 fee and then I could exchange it for something else, or I could do a voluntary repo but I am still responsible for payment.
When you make a big purchase, such as a couch, you are not only paying for quality merchandise, you're paying for quality customer service. Since the couch was delivered defective and then you sent the wrong couch out to "fix" my issue and the complete lack of customer service, I would like for Conn's to come pick up their defective couch, which still has all the tags on, and close my credit account with no negative impact on my already good credit.