I have had an account with Conn's for about three years now..I have never been late on a payment..and I have consistently over paid my account the Dallas Tx office has hired two major cockroaches Cindy & Frances these two bitches have been calling my house and harassing me for an unpaid account...The fact is I have overpaid consistently and I believe that these two bitches have deliberately screwed my account up and I have cancelled checks to prove what I say...so I don't know how they expect to pull this off.. beware of Conn's people.. it happens to everybody those that do pay..and to those that don't pay for whatever reasons.. keep those complaints going to your attorney general on these bastards.