Independent profile — not affiliated with Conn's

Conn's

Conn's, Inc. (Conn's HomePlus) filed for Chapter 11 in July 2024 and its plan was confirmed in July 2025. The conns.com site now handles bill payment and insurance claims under the name Conn's Servicing, which its privacy notice attributes to Jefferson Capital Systems, LLC, the buyer of the credit accounts. This page explains who handles payments, insurance, protection plans and bankruptcy questions, and sets out the 2009 Texas Attorney General settlement, BBB, CFPB and Trustpilot figures as displayed on October 11, 2026.

COMPLAINTS307
VERIFIED PHONE1-800-511-5750
LAST CHECKED2026-10-11
Write a Review Jump to complaints ↓
CONSUMER ALLEGATION

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 307 historical complaints about Conn's, published between 2000 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

EDITORIAL

Complaint Themes

Mentions a warranty, service plan or extended-warranty contract (keyword match among the 308 linked posts)Mentions repair, a service call or a technician (keyword match among the 308 linked posts)Mentions delivery or installation (keyword match among the 308 linked posts)Mentions a defective, damaged or non-working item (keyword match among the 308 linked posts)Mentions credit, payments, collection calls or insurance charges (keyword match among the 308 linked posts)Mentions a return, refund or restocking fee (keyword match among the 308 linked posts)

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBB: 0 reviews, 541 complaints
CFPB: 2593 complaints
Trustpilot: 421 reviews,
VERIFIED

Contacts & Login

VERIFIED

Locations

TypeAddress
Headquarters2445 Technology Forest Blvd., Suite 800 The Woodlands TX 77381
Mailing address10130 State Highway 151, Suite 101 San Antonio TX 78251
EDITORIAL

Conn's HomePlus accounts, payments, insurance and past purchases: who handles what (checked October 11, 2026)

Conn's, Inc. and ten affiliates filed Chapter 11 petitions on July 23, 2024 (U.S. Bankruptcy Court, Southern District of Texas, Case No. 24-33357). The conns.com site now works as a bill-pay and insurance-claim page, and its privacy notice says it is issued by "Jefferson Capital Systems, LLC d/b/a Conn's Servicing (Conn's)/Badcock Servicing (Badcock)." Which route applies depends on what your problem is.

  • You still owe a balance on a Conn's installment or credit-card account. The conns.com FAQ says: "You may use our online portal above to pay your Conn's Installment account, or you can pay by phone by calling customer service at 1-800-511-5750." The portal lookup page (billpay.conns.com, headed "Conn's Servicing") shows a different representative number, 877-358-1252, and a customer contact form. Keep proof of every payment, because the accounts changed hands during the bankruptcy.
  • Payment fee. The FAQ says Conn's "does not charge any fees for making payments on an account, but a third-party processor charges a non-refundable processing fee of $2.25 per transaction" for a remote one-time card payment, and lists automatic payments or paying by cash, check or ACH as ways to avoid it.
  • Credit insurance (property, involuntary unemployment, life, disability). The conns.com page offers claim forms by the state where the loan was originated: Assurant forms for Alabama, Arizona, Louisiana, North Carolina, Tennessee, Texas and Virginia and for Georgia loans originated before 2024, and Fortegra forms for Colorado, New Mexico, Nevada, Oklahoma, Mississippi, Florida and South Carolina. For Georgia loans originated in 2024 it says to contact [email protected]. To cancel, it says to complete the cancellation form and email it with proof of homeowners or renters insurance where applicable; if cancellation is requested more than 30 days after purchase, the credit is prorated.
  • Protection plans (Repair Service Agreement, Food Loss Claim, FurnitureGard). The conns.com page says: "please contact Assurant directly at (800) 316-2993." The BBB profile's alert, which opens with "PER THE COMPANY," says Conn's "is no longer offering service on products purchased," that customers within the manufacturer's warranty period may contact the manufacturer directly, and that Repair Service Agreements "are still valid and being administered through Assurant," with Assurant at 877-881-8578. The two Assurant numbers come from different pages and are shown as each page gives them.
  • A past purchase, a prepaid order or a claim in the bankruptcy. The page says to refer to the claims agent's case page, dm.epiq11.com/case/conns/info, where you can "submit a claim, or submit an inquiry." That page lists October 7, 2024 as the general bar date for proofs of claim, January 20, 2025 for governmental units and August 30, 2025 as the Administrative Expense Bar Date; all three dates have passed. The plan was confirmed on July 21, 2025 (see the litigation section). The Epiq overview says the plan "has been confirmed" and lists GlassRatner as Plan Administrator (1675 N. Military Trail, Suite 650, Boca Raton, FL 33486) among the case's notice parties.

If you think a balance, payment or credit-report entry is wrong. BBB's alert says account complaints "are now handled through Jefferson Capital Systems, LLC." Write to the servicer at the San Antonio address in its privacy notice and keep copies. You can also submit a complaint to the CFPB at consumerfinance.gov/complaint. The CFPB's page on debt collectors says a validation notice must tell you that you can dispute the debt and that "if you dispute the debt in writing within 30 days" the collector will provide verification. Whether collector rules apply to a particular Conn's account depends on how that account is classified, which this page cannot determine.

EDITORIAL

Regulator record: Texas Attorney General settlement (2009) and what was not found (checked October 11, 2026)

Texas Attorney General, 2009. Conn's 10-Q for the quarter ended October 31, 2009 states: "On May 28, 2009, the Texas Attorney General filed suit against the Company in the Texas state District Court of Harris County, Texas, alleging that they engaged in unlawful and deceptive practices in violation of the Texas Deceptive Trade Practices-Consumer Protection Act. On November 24. 2009, the Company settled the litigation and denied those allegations in its answer to the suit, and under the terms of the settlement with the Texas Attorney General, it continues to deny any wrongdoing." The filing lists two cash payments to the Attorney General for distribution to consumers as restitution ($2.5 million within 30 days and $2.0 million within 90 days), $250,000 in attorney's fees, reimbursement of litigation expenses, and a $100,000 donation to the University of Houston Law Center.

The company's 10-K for the fiscal year ended January 31, 2010 adds that under the settlement it "consented to certain changes made to the service agreements and replacement product plan agreements that we sell for a third party insurer and to strengthen the manner in which we market and service these programs." This profile read those two company filings; the Attorney General's own settlement document was not located.

Other checks. A title search of the CFPB's enforcement-actions page for "conn" on October 11, 2026 returned no action naming Conn's. The bankruptcy docket shows a notice of appearance by the Tennessee Attorney General's Consumer Division filed August 23, 2024; the docket entry does not state any claims. Searches of the FTC site and of other state attorneys general were not completed for this page.

EDITORIAL

About Conn's: entity, structure and the sale of its credit accounts

Entity. The registrant is Conn's, Inc., a Delaware company with principal executive offices at 2445 Technology Forest Blvd., Suite 800, The Woodlands, Texas. Its July 25, 2024 Form 8-K lists the Chapter 11 debtors as Conn's, Inc. and Conn Appliances, Inc., Conn Credit Corporation, Inc., CAI Credit Insurance Agency, Inc., CAI Holding LLC, Conn Credit I, LP, New RTO, LLC, W.S. Badcock Credit I LLC, W.S. Badcock Credit LLC, W.S. Badcock LLC and Conn Lending, LLC. BBB's profile says the business sells furniture, mattresses, appliances, TVs, computers and electronics, and lists the business start as 1890; the 10-K likewise says "Conn's began as a small plumbing and heating business in 1890."

Business model. The company's last annual report before the filing (fiscal year ended January 31, 2024) describes it as "a leading specialty retailer" of durable consumer goods "in addition to proprietary credit solutions for its core consumers," and describes securitizing customer accounts receivable through special-purpose entities for which it retained servicing.

Sale of the credit accounts. Jefferson Capital, Inc.'s annual report for 2025 states: "Effective December 3, 2024, the Company's U.S. subsidiary Jefferson Capital Systems, LLC entered into a definitive agreement to purchase certain assets from Conn's, Inc. ... though a bankruptcy process for $244.9 million in cash (the 'Conn's Portfolio Purchase')." It adds that it hired 197 former Conn's employees on December 4, 2024 "to manage and service the assets acquired in the Conn's Portfolio Purchase through their remaining life," and also states that "At the time of the Conn's portfolio purchase, which consisted primarily of performing receivables," it recorded an allowance for credit losses, and that a purchased portfolio may include "a significant amount of charged-off or nonperforming loans, as was the case with the Conn's Portfolio." The docket shows a sale order signed November 6, 2024. A docket notice of February 28, 2025 cancelled an auction for "additional consumer finance receivables and ABS residuals"; this page does not state what became of securitized accounts.

After the sale. The Epiq case page names GlassRatner as Plan Administrator. Furniture Today reported on July 22, 2025 that the Conn's HomePlus and Badcock brands "went out of business" after the filing and that the confirmed plan provides for distribution of assets, wind-down of operations and dissolution of the debtors.

EDITORIAL

Conn's complaint record: this site's archive, BBB, CFPB and Trustpilot (as displayed October 11, 2026)

This site's archive. A search of this site's approved posts on October 11, 2026 found 308 older complaints linked to this page, written between 2000 and 2014 (72 in 2009, 62 in 2008, 52 in 2010, 39 in 2011). They are consumers' unverified accounts of purchases at Conn's stores, mostly appliances, televisions, computers, mattresses and lawn equipment. Twenty-two other posts that appeared to be machine-rewritten copies or near-duplicates were left out, and one post filed under Conn's that concerns a roofing contractor was not linked. Keyword counts across the 308 linked posts (one post can count in several groups): 95 mention a warranty, service plan or extended-warranty contract; 123 mention repair, a service call or a technician; 84 mention delivery or installation; 108 mention a defective, damaged or non-working item; 112 mention credit, payments, collection calls or insurance charges; 100 mention a return, refund or restocking fee. These posts describe the retailer as it operated more than a decade ago and say nothing about the current servicing arrangement.

BBB. The BBB profile for Conn's Home Plus (headquarters, Spring, TX), as displayed on October 11, 2026, shows the business as not BBB Accredited, a rating of "Not Rated" with the reason "This business's BBB accreditation is currently suspended," two alerts (an "Alert" and a "Bankruptcy" alert), 541 total complaints in the last 3 years, 2 filed in the last 12 months, and 0 customer reviews. The "Alert" reads, per the company: "THEY ARE NO LONGER ACCEPTING OR RESPONDING TO COMPLAINTS REGARDING PRODUCT ISSUES. All complaints regarding customer's accounts are now handled through Jefferson Capital Systems, LLC." The Bankruptcy alert cites case number 9:24-bk-90423, which differs from the lead case number 24-33357 used on the Epiq and CourtListener pages.

CFPB database. Under the company name "Conn's, Inc." the database showed 2,593 complaints on October 11, 2026, the first received July 3, 2015 and the most recent December 13, 2024, with none in the preceding 12 months. The largest product labels were Debt collection (1,146) and two credit-reporting labels (686 and 285). Company responses: closed with explanation 2,114, closed with non-monetary relief 471, closed with monetary relief 8; timely response "Yes" 2,577 and "No" 16. Complaints about accounts after the December 2024 sale may be filed under another company name and are not counted here.

Trustpilot. The "Conn's HomePlus" page for conns.com showed 421 reviews and a 1.1 rating as displayed, labelled "Unclaimed profile"; Trustpilot states it does not fact-check reviews. The numbers above come from different sources and are not combined.

EDITORIAL

Court record: the Chapter 11 case and the 2009 Texas Attorney General suit

Chapter 11 case. The docket shows these entries, in date order:

  • July 23, 2024: voluntary petitions for Conn's, Inc. and ten affiliates, jointly administered under No. 24-33357 (Judge Alfredo R. Perez).
  • July 24, 2024: order authorizing the debtors to continue servicing and administration activities in the ordinary course.
  • August 22, 2024 (doc. 383): final order approving the store-closing consulting agreement, store-closing sale procedures and modifications to certain customer programs.
  • November 6, 2024 (doc. 1059): order authorizing the sale of the debtors' assets; the related notice (doc. 1057) refers to "the Sale Transaction with Jefferson Capital, LLC," while Jefferson Capital, Inc.'s 10-K names its subsidiary Jefferson Capital Systems, LLC as the purchaser.
  • February 28, 2025 (doc. 1501): notice of cancellation of the auction for additional consumer finance receivables and ABS residuals.
  • July 21, 2025 (doc. 1931): order approving the disclosure statement on a final basis and confirming the Third Amended Joint Chapter 11 Plan of Distribution.
  • July 31, 2025 (doc. 1966): notice of entry of the confirmation order and of the occurrence of the Effective Date.

Since then the docket records quarterly post-confirmation reports and the Plan Administrator's claim objections; the Epiq dockets page showed on October 11, 2026 a stipulation and agreed order between the Plan Administrator and The Travelers Indemnity Company (doc. 2663, September 29, 2026) and, as its newest entry, a BNC certificate of mailing for that order (doc. 2665, October 1, 2026). CourtListener's copy of the docket showed doc. 2661 (September 22, 2026) as the latest filing it held. The case had not been closed on that date.

Texas Attorney General suit. Filed May 28, 2009 in Harris County district court under the Deceptive Trade Practices-Consumer Protection Act and settled November 24, 2009 on the terms quoted in the regulator section; the company denied the allegations.

Individual consumers have also filed separate suits against Conn Appliances, Inc. in other courts; this page does not describe them.

EDITORIAL

Is Conn's Legitimate?

Conn's, Inc. is a Delaware company that filed periodic reports with the SEC through its fiscal year ended January 31, 2024 and filed for Chapter 11 on July 23, 2024; its plan was confirmed on July 21, 2025 and the case remains open for claims administration. Customer accounts that were part of the Conn's Portfolio Purchase are serviced by Jefferson Capital Systems, LLC under the name Conn's Servicing, according to the privacy notice on conns.com. BBB shows the Conn's Home Plus profile as not accredited, with a bankruptcy alert and a second alert saying, per the company, that account complaints are handled through Jefferson Capital Systems, LLC. The record includes a 2009 Texas Attorney General settlement in which the company denied wrongdoing. A payment request that arrives from Conn's Servicing can be checked against the account statement and the phone numbers published on conns.com; whether a particular balance is correct depends on account records this page does not have.

PUBLIC RECORD

Court & Public Records

CaseAuthorityDatesTypeOutcomeSource
Texas Attorney General v. Conn's, Inc. (Deceptive Trade Practices-Consumer Protection Act)Texas state District Court, Harris County
SettledSettled

Settled November 24, 2009. According to the company's Form 10-Q, it denied the allegations and "continues to deny any wrongdoing"; it agreed to two cash payments to the Attorney General for distribution to consumers as restitution ($2.5 million and $2.0 million), $250,000 in attorney's fees, reimbursement of litigation expenses and a $100,000 donation to the University of Houston Law Center.

Source
In re Conn's, Inc., et al. (Chapter 11, jointly administered)
Docket No. 24-33357		U.S. Bankruptcy Court, S.D. TexasFiledFiled — no final outcome recorded

Voluntary Chapter 11 petitions filed July 23, 2024 by Conn's, Inc. and ten affiliates. The court signed an order on July 21, 2025 (doc. 1931) approving the disclosure statement on a final basis and confirming the Third Amended Joint Chapter 11 Plan of Distribution; a notice of the Effective Date was filed July 31, 2025 (doc. 1966). The case was still open on October 11, 2026, with claim objections and stipulations continuing to be filed.

Source
VERIFIED

Company Relationships

  • Affiliated with: Jefferson Capital Systems, LLC
  • Affiliated with: Conn Appliances, Inc.
  • Affiliated with: W.S. Badcock LLC
  • Affiliated with: Conn Credit Corporation, Inc.
EDITORIAL

Frequently Asked Questions

Who services my Conn's HomePlus account now?

The privacy notice posted on conns.com says it is issued by "Jefferson Capital Systems, LLC d/b/a Conn's Servicing (Conn's)/Badcock Servicing (Badcock)." Jefferson Capital, Inc.'s 2025 annual report says Jefferson Capital Systems, LLC agreed effective December 3, 2024 to purchase certain assets from Conn's, Inc. through the bankruptcy process for $244.9 million in cash and hired 197 former Conn's employees to service the acquired assets. Confirm the servicer on your own latest statement.

Is Conn's still open or in bankruptcy?

Conn's, Inc. and ten affiliates filed Chapter 11 on July 23, 2024, and the court confirmed the Third Amended Joint Chapter 11 Plan of Distribution on July 21, 2025; a notice of the Effective Date was filed July 31, 2025. The case was still open on October 11, 2026 with a Plan Administrator handling claims. Furniture Today reported that the Conn's HomePlus and Badcock brands went out of business after the filing.

How do I pay my Conn's bill, and is there a fee?

The conns.com FAQ says to use the online portal or call customer service at 1-800-511-5750. It states that Conn's does not charge a fee but that a third-party processor charges a non-refundable $2.25 per transaction for a remote one-time card payment, and lists automatic payments and paying by cash, check or ACH as ways to avoid it. The portal lookup page lists a different number, 877-358-1252.

How do I cancel Conn's credit insurance or file a claim?

The conns.com FAQ says cancellation requests go by email to [email protected] with the cancellation form and, for property insurance, proof of homeowners or renters insurance. If cancellation is requested more than 30 days after purchase and before the account is paid in full or the insurance expires, the cancellation credit is prorated. Claim forms are listed by the state where the loan was originated, with Assurant forms for some states and Fortegra forms for others; the email address is given for Georgia loans originated in 2024.

Who handles Conn's protection plans such as the Repair Service Agreement?

The conns.com FAQ says that for the Repair Service Agreement, Food Loss Claim or FurnitureGard, customers should contact Assurant directly at (800) 316-2993. The BBB profile's alert, per the company, gives Assurant at 877-881-8578 and says Conn's is no longer offering service on products purchased. Assurant is a separate company from Conn's Servicing.

Can I still file a claim in the Conn's bankruptcy?

The Epiq case page lists October 7, 2024 as the general bar date for proofs of claim, January 20, 2025 for governmental units and August 30, 2025 as the Administrative Expense Bar Date; all three dates have passed. The conns.com FAQ refers customers with questions about past purchases to the Epiq case page, which offers a way to submit an inquiry.

What did the 2009 Texas Attorney General settlement with Conn's say?

Conn's filings state that the Texas Attorney General sued on May 28, 2009 under the Deceptive Trade Practices-Consumer Protection Act and that the case settled on November 24, 2009. The company denied the allegations and agreed to pay $2.5 million and $2.0 million for distribution to consumers as restitution, $250,000 in attorney's fees, litigation expenses and a $100,000 donation to the University of Houston Law Center.

Where can I send a dispute or complaint about a Conn's account?

Start with the servicer in writing at the San Antonio address in its privacy notice, or through the contact form on conns.com. You can also submit a complaint to the CFPB at consumerfinance.gov/complaint. The CFPB's page on debt collectors says a validation notice must say you can dispute the debt and that a written dispute within 30 days requires the collector to provide verification of the debt.