
Georgia of Fayetteille, AR on March 3, 2010
In 9/09, I ordered a kitchen cabinet top and sink, understanding I had 6 months, deferred interest/no pay, ending on 4/12/10. The initial product was damaged. It was discovered after the installation. The plumber left me without water for 3 days. Lowe's manager came out and offered to replace it and give me a "discount" with the amount to be determined by the amount of other products I would buy.
I have picked out the carpet, flooring, etc. and hoped to have it all done before the expiration date of the deferred interest contact on 4/12/10. I did not ask for an extension as I believed all would be completed before the 6 months. However, on February 17, I received harassing phone calls from GE Credit saying Lowe's hired them to collect the full amount, (he said his name was "Watson") with interest, adding about $200 to my original bill. The reason is, "You are 3 months behind on your bill, we will turn you in (I imagine that meant to the credit bureau, or legally, by the hateful tone of their voice, what I could understand)."
I immediately called Lowe's Customer Service and when I gave the woman my card number, she immediately said I had to talk to someone else. She connected me back to GC Credit, not allowing me to say anything about why I was calling. Since I realized Lowe's was not going to help, I asked GC Credit to speak to a supervisor, hopefully whom I could understand what they were saying. He, "Mark", said the same thing, as the first person, "You are behind. We will turn you in," and I must pay the "full bill". I attempted to get him to tell me how I could be behind, if I didn't even have the product and also had the deferred account. He only said "You are behind. Send the money, or we will turn you in."
I asked why GE Credit was calling me. He replied, "Lowe's hired us to collect the money from you." When I tried to explain about the deferred interest account, he said he did not know anything about that, only Lowe's gave them my name, to collect the money. I called the store where I bought the merchandise. I spoke with the manager, Adam, and was asked to fax him copies of my bills, but that they could not access my account unless I was there. I told him I was not going to leave work as this was their mistake. I faxed the info. Of course, I heard nothing for a week.
I called and he said, "The fax did not arrive." It's funny as my fax machine printed out a form that indicated it did. So last Friday, I called Mr. E., the manager at the same Lowe's store. He said he would "look at my (meaning his) over the weekend end and perhaps could find out what was going on and again asked me to fax my bills to him. The next day I received a letter (in addition to the phone calls) from GE Credit telling me I had been "referred" to them for collections giving me 30 days to pay the full amount or a judgment would be filed on me.
This letter was dated the same day the phone calls began, so it appears GE Credit or Lowe's had no intention of listening to my explanation. The letter was mailed after it was typed, so I did have the time to try to correct the matter with the store, since Lowe's customer service would send me back to GE Credit again. I have taken great pride in my excellent credit history. And now that may be jeopardized by having to pay for something I don't even have. The amount was initially $2,185.76 and is now $2,671.00 per GE Credit.
There was also a charge included for a hot water heater, which is the only thing I do have that works, $371.76, which I paid off after receiving the calls from GE Credit. I was told as an explanation by the Lowe's manager that as of 2/1/10, the law regarding the deferred interest policies was changed to the customer needing to pay a minimum payment each month. However, my initial contract was 9/09, and I was not informed there was any change. So, how could I be 3 months behind, if the law didn't go into effect until 2/1/10?
Also, there were finance charges and penalties listed on my bills each month. I asked the salesman in front of the manager, Mr. E., about this. He said they were to show me what I could owe if I did not pay off the amount by the due date, 4/12/10. The salesman then took that bill and went back to his work, saying "I'll take care of this." I believe this was November or so. So, you can understand with no contact regarding my being not current, I was surprised about the call from GE Credit. I actually believed if I could explain the circumstances, they would work with me. Of course, they do not care, since they have the power over me at this time.
This caused absolute stress, with the possibility I may have a black mark on my credit. And due to being able to explain the situation to either Lowe's or GE Credit, I may have to pay for something I do not even have. I am filing a complaint with the Consumer Protection agency, as well as the Attorney General here in Arkansas. I am also writing a letter fully explaining the situation, sending it to the Lowe's manager as requested. Mr. E., did not promise he could help. He appeared as surprised as I was about all this.
My letter stated that I want to cancel the replacement order with them. Hopefully, they will allow me to keep the damaged counter top and sink until I can get a replacement from another company. Oh yes, I want the $70 I had to pay for the person to measure my counter top, and the one to measure my floors for the carpet and flooring. I'm wondering if Lowe's, because I am a senior citizen, believes I will just buckle under and agree to pay as they want. I can assure you I will not. I will tell as many people as I can.