Back in October of I bought a TV at Circuit City. The salesperson promised me 36 months with no interest or finance charges, and also encouraged me to buy a stand and a video system on the same receipt because they all would receive the same benefits. After 3 months, a finance charge appeared on my bill. I checked back at the receipt, and the incompetent salesman did not include my deal on the sales receipt. I went back to the store and luckily the same manager was working there (I noticed Circuit City has a high turnover). He filled out a Re-Key Request form and faxed it over to Chase and the charges went away after a couple of months.
At the 9th month, new charges showed up, and I went through the same process. The store manager filled out a 2nd Re-Key Request form and faxed it to Chase and they credited my account. Cut to 15 months later, new charges appear on the bill. I have been calling and arguing and faxing since January, but they will not honor the agreement the store manager promised me.
They have imposed a random payment schedule of 18 months and will not change it though I have the documentation. Chase tells me it has to be approved by Circuit City and Circuit City says they can’t change anything in the account and tells me to talk to Chase. I have spent countless hours on the phone and always have to plead my case from the beginning to a different representative. They have given me several different fax numbers and I’ve talked to the Escalation department and various supervisors, but no one will actually make the effort to fix it. When someone does give me their name and extension, my call goes directly to voice mail where it never gets returned.
I managed to pay off everything on the account early and all that’s left is $129.49 of their finance charges. Everyone I know is just telling me to pay it off, so I can be done with it, but why should I? They made me a promise and put it in writing twice, shouldn’t they have to honor it? I only bought the stuff because of the idea of minimum payments for 3 years. Needless to say, I will never purchase anything at Circuit City again, and it seems their poor business ethics have caught up with them because the company is flailing. I also closed my account with Washington Mutual when Chase bought them out because I don’t want anything to do with them. I don’t want to ruin my credit by ignoring the bills, but they don’t deserve my money.
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