JC Penney
Reviews and Complaints

My hair has been ruined as well at a JCP Salon. I am missing half of my hair and it is broken off in small pieces all over the top. I got my money back but not my hair. I also did not get the products I was promised by the store manager. JCP is going downhill. They also quit selling my favorite pants, Worthington Curvy fit BOOTCUT. Not everyone is skinny and wants a trouser cut or skin tight pants to wear to work. Thanks JCP. I have been buying my clothes there since 2nd grade. Looking for new stores to shop and never again will I get a color, cut or eyebrows waxed at JCP Salons.

I also disagree and I have been going to Mina for a couple years and also a few of my friends. We woun't let anyone else touch our hair that is not Mina. Mina rocks she is one of the best hair stylist that you can go in Virginia.

I also disagree and have been going to Mina for a couple years and refuse to let anyone else touch my hair. She gave me the EXACT color I wanted on the first try and always gives me the cut I ask for and if I am not happy with anything for any reason will redo to my exact standard. Over the years of ending up with less than perfect cuts/colors- I have found that it GREATLY helps to bring in photographs of exactly what you want and discuss if it is possible with the stylist before hand. I know how traumatic it can be to have something like that happen to your hair and am sorry that happened to you, but I have never known Mina to not want her customer to be more than happy and always willing to adjust anything I am not perfectly satisfied with. Also I know it is bit late now as your post is from the summer, but in the future you never want to continue putting more color on top of color- as previous poster said you want to go into color correctionist and have a hair pack (special creme) put in that removes the color that was put in so they can then fix to the color you want. I am sure JC Penney would do that for free.

I disagree that the Fair Oaks salon is horrible. I have been driving over an hour for almost 5 years to have my hair done by Daisy. I wouldn't let anyone else touch my hair. I think your issuie is really with the stylist. Consider going to Daisy. Her specialty is color and color correction.

I plcaed an order with j. C. Pennys. The girl on the phone told me that if i was willing to look over the rwards program i would recieve $25.00 off my electric bill and $10.00 off my order. I recieved the paperwork read through it. Decided it was not for me. I called jc pennys reward of the pawork to get $10.00 off. The woman said she would send me the paperwork, that was 2 weeks ago. Also she said you only get the elctric benefit if i signed up permanently forthe program. I am very disappointed with this whole transaction. I would like my $10.00 taken off my account and feel that since i called my electric company to get a copy to send in and also the girl told me i would get thii should. I am not going to argue that one, byt i must say i had problems before with jc pennys and it's been a very long time since i've done business with them and i am truly disappointed. Please resond.
Kathy

Yes, i would like to address and issue i reason had at your merced, ca store. I purchased a leather jacket there in november, unknown to me i had received the wrong size. I do a lot of shopping at jcpennys in store or online. Now the tag on the jacket stated that it was and extra large, good you had my size and style. The first time i wear the jacket it felt a little snug, we all know that leather needs to stretch. I did not think to look at the tag on the inside of my coat which said this was a large and not and xl like the one i saw on the outside tag. Now my receipt clearly states that i have until 01-09-09 to return my merchandise, when i took the jacket back to the merced mall jcpennys where i bought it at i was told by the floor manager that they could not exchange the item, because i wear it, yeah i wear it i thought i had the correct size, so why wouldn’t i wear it. I tried to explain to her that my receipt clearly states that i have up until jan 1, 2009 to make and exchange or request a refund. She told me that this is a corp. Policy and or store does not go by this. Now i am a little upset and confused, how can you say you will not honor my receipt when it came from your store if this was the case i feel they need to but something in writing that they do not follow under the corp guidelines or what ever there receipt states. All i wanted was to get my correct size, so that i could enjoy wearing my jacket.
Thank in advance for your time in this matter and happy holiday's
A truly disappointed customer

This store, has the worst reputation for discriminating against African-American men, who are better employees! The female store managers continue to pick up for lousy women who usually tend to be the bad employees, actively discriminating against men, and deliberately making work environment hostle for good sales personnel (esp. when they are men)! It's not fair, by law; men couldn't get away with attacking or discriminating against women, but in Georgia-Carolina (esp. at JC Penney), is is not only encouraged- but ALSO ENFORCED! Then when the men lose their jobs, or go from job to job, or whined up in jail- for lack of employment; SOCIETY SAYS IT'S HIS FAULT!?! JC Penney, is a lousy retail store, that continues to get worse, thats why I stopped shopping there since last year!

I owed 300 dollars to pay off my credit card for the JC penney company. A man called me and told me to pay and i told him i am aware i am 6 months late on paying my bill and would not have the money for 4 weeks. He told me that i was fat and lazy and probably ate food in bed watching t.v. all day. He told me that a lowlife degenerate like me will never make it in life because i cant pay my bill. He then went on to say that i didnt answer his questions fast enough and that was because i stutter and my father must have abused me and my mother hated me since birth.

I do not stutter i was just amazed at what he was saying. He called me a drug user and that no man would ever want me because i procrastinate. This may seem like it could not have happened but it sure did. I called the JC penney customer call line to give his name but i was directed to their line in India and i did leave a complaint about what happened but all i got was someone telling me thank you for calling. I have since forgotten the incident but sometimes it creeps up and i cant imagine how this man wakes up in the morning, he must eat steel wool for breakfast and then take it out on the telephone. I have his name but he may not work for the company anymore.

When I was divorced there was no balance on my credit card thru JcPenney. It was not mentioned in the divorce since neither of us were aware it was still active. I went to apply for a card and was told I all ready had an active account, so I dug out my old records and found my credit card. I used it to purchase a few minor things, the bill came to me in my ex-husbands name and mine. I tried to call them, write them, email them to have my ex's name removed. I was told he was primary and I couldn't remove his name, change the name on the account or close the account. If I couldn't close the account, I could not open my own account. Since he refuses to answer any of my requests to close the account or contact them to change over to my name, I was unable to do anything. 2 years after our separation and divorce he finally had his mailing address changed and the bills went to him. My number was contact so they started calling me. There was just a minor balance on my account, less than $100. In this same month I had ran a credit check and found out the past year of timely payments meant to increase my credit rating was not listed, I contacted them and was told it was because he was primary, it went on his credit history. I was pissed, I not only had not received any credit rating on this account I was paying on, I helped him out! Then no one was able to take his name off the bill so it would come to me, so every bill and notice went to his home and he didn't respond to them, send them back to me or make any attempt to finish this matter.

I have stopped paying on the bill - since my credit rating is not improved, but his is, I can't get a bill sent to me, can't close the account, can't get one on my own, EVERY letter I sent to them - on my letterhead with my name and address was answered by a Dear MR XXXXX, I don't exist to JcPenney. I gave them his attorney' s name and address, told them to contact him and was told they could not discuss matters with someone not on the card without the primary (my ex!) giving them permission.

The sad thing is I am the one who opened the account in my name years ago, he was secondary, so I could develop my own line of credit. When it came in his name I was told by customer service this is the way they do business, it goes to the "head of the house" and being married made him head of household. Little did I know all those years ago it would come back and haunt me.

My Complaint Is about my salon manager . She is unfair and plays favorits twards other assosiates. Company Expects you to have a 18.50 a month quota or you will get a corretion, understanding that is easy but when the economy is down its hard to keep your quota up, alot of our business is by walk in / call in clientell and there is suppose to be a list of who get the first walk in/ call in, Well the main receptionist and the manager have there own way of doing things they feel they can give walk ins/ call ins to who ever can kiss up the most insteed on following the line up. I have had Clients call me that were refered by close friends say when they called to make a appointent knowing I was open on piticular day and time that the receptionist tried to place them with anyone but me, because of this it is hurting my business my client called and made a complaint to the store manager because the salon manager was on vacation, no actions were taking to dicuss this because it is still happening. More Proof On busy days working the same hours as other stylist that also have open books they recive 3 times more the walk in/ call ins that I have recived more proof is that There are monthly revenu reports and year to date revenu reports that anyone can view and it shows a % of walk ins / call in and our clients that were refered to you comparing to another assosiate that started working after me and has the same hours her year to date report she was assigned 133 new clients when I was assigned 93 new clients . the clients that returned to her for more services were 100 and the clients that returned to me were 89 it shows that im am able to keep returning clients. the percentage of clients that requested her 47.3% the percentage of the clients that requested me were 55.2% The clients that were assigned to her was 52.7% and the clients that were assigned to me were 44.8 precent the numbers do not lie ! On other proof one reseptionist told me that my manager goes up to her and says make sure you give her alot of walk ins as in the other assosiate. In other cases My manager has Denied that I have came to her and talked about whats going on and kept her informed about information in the salon. I thought Jc pennys is suppose to be honest and fair and loyal to there employees because if it wernt for us they wouldnt have a business Im very discusted with the way managment is running the store and the salon !

this all startd on Oct 09 I wne to get 2 pr of glasses 1 reading and 1 sun glasses...fater they broke one pr and having me go back and forth 10 times from the country rural area into town..nothignwas right..wrong script, 3 times changed glasses 3 times . all taken 2-3 wks at a time...while my cerdit card was being charged I finally had to get my money back as the glasses didnt not work.( hence time/money/car gas.)
now last mont Apr.-10 Im try'n again.as i have to use my pennys card to get eye glasses...new Dr gave me a different eye exam. wasnt even close to the first 3 ( by the way that Dr quit), So now its taken 2 wks for my new glasses and they told me they wont send in my sun glasses till they find out my script is corretc and will work...so ok thats fine..But for all the time /money/car gas un trips Ive made since Oct 09..I think I should be compistated for all this un get my sun glasses fer free...plus I went in on that 2 for 88$ well it is costing me 520 bux. for 2 pr. ( 129 of that is becuz I orderd thin lens.) But my sun glasses should be free...DONT U THINK SO...Ive paid enuff in time /gas / plus interests on my pennys card...both times. Now we are gonna do it all over again ?
Geraldine Henley
1921 Saint brides rd w.
Chespaekae va. 23322...[protected].

I am writing to tell you my dissatisfaction about your coupons and the items you had in stock on Black Friday at your JcPenny store in Parmatown in OH. I had my list all printed, knew the sizes and colors of everything I had to buy total would have been over $200.
My 1st stop was the shoe dept. I wanted the tall boot w/ 2 buckles as shown on the cover of you black Friday add for $29.99. Well there were only 4 boxes to choose from- none in 8.5. Then next pair of boots I wanted again not there in my size. I did get 2 pairs I wanted and I had to settle for another tall boot because as mentioned the one I wanted was not there.

Then I moved on to your $6.88 Arizona long sleeve shirts- all they had were XS and S. I found 1 L in a bright yellow. I was planning to buy at least 6 of these shirts I ended up with 1. (when I stopped in again on Sat there were plenty of sizes besides XS and S, so why were they not there on Fri?)

Then I wanted the Farberware knives that were on sale for $19.99- guess what they were out too.

Now as I stated before I knew the sizes and locations of all the items I wanted to buy, since I was there a few days ago scouting it out. When I was looking at the knives then there were only 2 boxes.

This store felt like an OUTLET on black Friday. Only carry certain sizes or totally do not have the product. I was so disappointed. JcPenny was the store I was most excited to shop at and they had nothing.

I should have bought all my stuff on line - because there it was available and this brings me to my 2nd problem.

I had a coupon printed off JCP.com that was the $20 off $100 ect. that was good for Fri and Sat - NO TIME RESTRICTIONS like the coupon in your add. I had my orders separated into 2 and I gave the girl my $20 off my $109 purchase and she said the computer would not take it because that was for after 2pm. THE COUPON DID NOT STATE THIS. My 2nd order was for over $50 and I wanted to use the $10 off coupon, but again- not allowed. I had a save $10 off $10 that I used, but I did not want to and should not have had to use that coupon at that time- it was good until Dec.

When a coupon printed from your website does not have time restrictions, then why does your staff give me a hard time.

As stated earlier, I could have purchased everything I wanted in the colors and sizes I wanted, in 2 diff orders on-line and used 2 $20off codes (because when I went home I tried the online code and there the $20 off $100 came right off at 4:30am.) I would have saved $40, but I guess JCPenny does not care how much their customers save and deffinately does not look out for them.

Just thought I would let you know about my very bad experience at your store and I cant wait to fill out that 15% survey, even if I do not use it. I am giving your store all the worst marks.

So I ask you what is JcPenny going to do for me because of this bad shopping experience?

The coupon should be honored and I should get $30 off my purchase. If I do not get a satisfactory answer to this letter, I WILL STOP shopping ay JcPenny, it is as simple as that. Oh I will also spread the word about my VERY BAD JCPENNY EXPERIENCE.

JC Penney is not a good company; they're always changing their stores to confuse customers, have different prices on one sales tag, and is constantly trying to find ways to cheat the customers or loyal shoppers; and the way the company mistreats their own employees who do a good job for them is worse! Frequently wrongfully terminating good employees or forcing them to quit, to make room for more inexperienced & unprofessional workers, who often mistreat or harass the good & hard working associates that work there. The Managers at the JC Penney Augusta Mall are incompetent, and have recently been exposing the store to robberies, endangering customers & employees...

I am a new JCPenny Credit Card customer / Account and have never been treated worse by a retailer.
I opened a C.C. and a flexible payment account a few months back. I purchased $2, 000 on the account and made a first payment of $450. The second month the min was due on the 19th of Dec.
So on the 19th I electronic checked a payment - received a confirmation. I received 4 calls that day (Due Date) asking me for payment. I was then advised that they see that I elec. paid and apologised stating that it may take a day or two to post on my account - but the account will show paid on time.
I then received call after call that day - I requested a supervisor the second call - I was assured it will stop and apology given.
Call again 3rd time - I asked for supervisor - I was assured they were sorry for calling and NOW see where I have paid - the calls are auto generated.
Fourth call - I asked for supervisor - I was given another apology and advised it will not happen again.
Then I get my statement a few days later in mail.
It states I owe 2 payments and that it is overdue!
I call on the account and I get an apology and that my account is in great standing and nothing is due - that my statement was incorrect.
Wow - I am a new customer - NEVER been late on a payment. I am being treated like a deadbeat payer or a collections account.
My wife and I have been harrassed right out of the box from JCPenny and we are the good guys...
We will be paying you off very soon and never buying another thing on our card or account from JCPenny

I believe JCPenny is systematically mistreating their employees due to their financial state, what they are doing is a traditional money move that occurs when a company losses millions of dollars. I have a daughter employed at JCPenny and she is experiencing some of the same things.

Can a judge accept money? I must say.. I don't believe a word you say. I hope you will get a jail term because stealing is stealing. You are corrupt and your deviant thinking is wrong. My advice: You don't deserve a green card- Go back home.

A man has no right to be in the women's dressing room. Period. End of story.

All dressing rooms in the stores have dressing room attendant's to help in matters of a female customer having short and stubby arms and legs that prevent her from reaching long places.

There are men who for whatever reason feel that they need to violate other women's right to public privacy.

The laws in California do not protect women and girls in bathrooms and dressing rooms. This state is 100% "unlawful" and immoral in every single way.

I just experienced something similar today me and my eleven year old went into a fitting room and saw a man trying to go into the female fitting room with his son I told told him he was not allowed to go in there because it was a female fitting room. Looking at the comments I feel there should be a fitting room that is unisex in order to avoid this problem. That way the customer would be able to go in with is wife. He is lucky that he didn't go into a JC penny in NY he would have gotten beat up. We don't play . Don't try that in New York.

8 years after the OP but oh well...
why do all the [censor] women who commented on this thread act like dressing rooms are just one big room with no doors or walls where women roam naked... lol. I feel like none of you have had long term significant others. as a woman as long as there is doors and walls in between us i don't care if youre in there with your wife. I can't recall anytime I saw a man helping his lady and my first reaction was "damn what a $$$$ing pervert." It's usually quite the opposite, i think it's sweet that youre so willing to go into womens dressing rooms and shop with her. Also if i don't happen to see you when youre going in or out i would probably have no clue you were in there in the first place. Theres unisex/family bathrooms in womens restrooms at the mall but nobody complains about that making them uncomfortable when it's just the same. stupid SEXist broads like the ones who commented on this are the reason suicide rates for men are skyrocketing.

JC Penney is charging taxes on the shipping price as well.
I dont think that is Fair pricing.

When I wanted to show my husband how I looked, I would step outside where he waited, to do so. He did not have to enter my fitting room with me. Regarding 'helping me zip up', if I couldn't zip it myself it probably didn't fit. Another thing, very often I would step outside of my booth to see myself from a distance in the larger mirror. If there were a man in there, even if I was covered, I would not have been comfortable. Males and females need dedicated fitting rooms!

Alright so I know this thread is very old, however I wanted to post in response to the unintelligent and obviously single women who have responded to this post negatively. Think about this for a moment, the majority of those dressing rooms have NO signs which direct what sex they are. And on top of that if there were, are you telling me that you wouldn't feel just as entitled going in to the dressing rooms in the men's section with your husband to tell him what he picked out was wrong. Or how about this. In your small point of view on the world have you glanced around at the fact that those same dressing rooms have standard walls separating each one and doors nearly as thick with... Get this... Locks. And even more so the fact that said walls are at least two feet taller then even the above average height man. Or the fact that women can creep on women's dressings rooms as well. And last but certainly no least. 99% of all you women are too insecure about your bodies that I don't understand why you would want to have a retailer force you out of those locked doors and high walls out into the public eye just so your husband or significant other can help pick out the perfect fitting, or good looking clothes. When in fact the majority of the men out there hate shopping and waiting outside these dressing rooms anyways they would still rather ensure there wives were comfortable with their choices and much rather be doing that privately in a locked dressing room.

First of all the idea that men are trying to get their "perve on is stupid". Are women running
around nude in the changing room? I dont think so. I have seen women in mens changing
rooms all the time. Plus women that work in the store as well as women customers have
opened the changing room door while I was getting dressed. Wow maybe that makes them
perverts. I dont think so. Many of these changing rooms have changing stalls with broken door locks. Wow maybe it is a conspiracy to walk in on men while changing. I dont see anything wrong with men going in a womens fitting room. There is one store that allows
their gay male employees to routinely check the fitting rooms. We all need to calm down it is silly.

People with even the slightest bit of common sense should have no problem letting a person of a different gender into a specific dressing room to help their partner or children try on outfits unless there are no walls/doors to lock the privacy of the rooms. Get real, firstly, do you really think that they will try peeking in front of their partner? Also, what are the individual rooms for, then? If it was supposed to be a gender based thing, then there should have been a whole area with some curtains to support faster changing and accommodate more people at once instead of having them wait in line for the next room to be free.

The ONLY reason that people should have to complain about this and call security is IF the person starts acting creepy which is guaranteed to never happen unless the person is nuts (no one in their right mind would take the chance of being branded a pervert in front of their family and risk getting arrested).

The person who designed dressing rooms with actual doors did it for this reason: So that people that are related can have privacy. If people cannot enter into the room where you are changing, they cannot do you any harm, period.

Stay out of the women's dressing room. Plain & simple.

The dressing rooms have doors. You're not bothering anyone else unless you open, or in other way look inside that door. So it doesn't matter if a husband and wife share a dressing room, not at all. Male / Female section of the dressing rooms are often in the same room, just at the right or left of it so you're still just feet's away of where someone else of the opposite sex is trying on clothes behind closed doors (sounds really frightening doesn't it? haha)

My goodness...people are very ignorant. Read the fine print! You DID sign up for it.

How does this one problem make them a 'terrible company'?

you did sign up for it!... did you really think that 10 dollar coupon was free?

call [protected] they will get you fixed back up...

Sorry should have bought the care plan see what 9.99- 11.99 would have saved you!

I am not surprised by what you have experienced in the JCPenney company. Unfortunately, JCPenney has a very long history of being racist to their associates as well as the customers. Look at the woman who went to the Southern CA store salon. She came in to get her hair dyed and the receptionist told her "we don't do hair like yours" referring to African Americans. The complaint went to the District Office. Well, since the district manager who was from the deep south and he didn't see anything wrong with what the receptionist told the customer-instead the company, district manager and store manager orchestrated a letter stating that the receptionist just meant "that their salon was not equipped to do your hair" Of course this is when Gloria Allred came to her rescue.
I was an associate of JCPenney for 11 years. I came forward with information regarding an upper management associate's unethical and illegal behavior after months of complaining they launched an investigation and the person was dismissed. I then suffered extreme retaliation-because I came forward. And by the way it wasn't like I could ignore his behavior as he would say he would blame things on me. When he was dismissed it benefited quite a few people because of his racist attitude and unethical behavior many people's jobs were in jeopardy. These same people have not shown any support which I understand they are afraid of losing their jobs. However, as long as JCPenney and companies like them do not have people come forward they will have the freedom as they think they do now to retaliate, cover-up harass employees. Also, want to add that the company's racist attitude can be illustrated by the fact that they continue to promote people to district management positions in their biggest market in the company (Southern California, including LA) with management from the south Louisiana, Oklahoma or Iowa not one DM has been from the diversified market of Southern California. Do they want us to believe that they can’t find talent here in CA? Does JCPenney have a prerequisite for promotion to upper management positions that they must have an accent from the Deep South?

Make sure this is not GE MoneyBank. Penny's tends to use them. If so...

a.k.a. GEMB, GE Moneybank, GE Money, CareCredit, Kwik Comfort, JC Penney Credit, others.

First:
Contact the Office of Thrift Supervision at www.ots.treas.gov
For some reason, GE listens to them.

Next, go to www.complaintsboard.com. Do a search on CareCredit, GEMB of GE Moneybank. You will notice they have a running scam.

1) Their offer is for interest free financing if the balance is paid in full after x-months, usually 18-24.

2) No matter if you mail in your payments, have autopay from your charge card, or direct debit from your bank account, GE will ALWAYS claim they did not receive your payment, or received your payment late. Why? Then they can add late charges! And of course, your last payment is always lost, therefore “you did not pay-off your balance in the predetermined time frame”. Then they try to collect a huge interest payment effective from the inception date.

3) You cannot contact the company via e-mail; they ignore e-mail.

4) You cannot get a response via snail mail; they ignore your letters.

5) If you are willing to sit on hold for 45-60 minutes, and punch in your account number countless times, you may be able to reach a person with a pulse. In most cases, the employees speak/understand English, but are not overly bright.

6) Said person will claim your payment was not received, or received late.

In my case, I had electronic records of every payment. I also paid extra every month. When asked that I provide the proof, I faxed copies of the electronic transaction records as well as e-mailed same. Of course, they "never received it" despite the fact that I was holding the FAX confirmation in my hand and looking at the e-mail receipt.

Advice:
1) If you have entered a contract with these scammers, beg, borrow or steal whatever
amount of money you ACTUALLY owe them. DO NOT PAY INTEREST OR LATE
FEES (unless you actually were late). Send a CERTIFIED CHECK, RETURN
RECEIPT REQUESTED FOR THE AMOUNT YOU CHARGED less any payments
already made. Write your account # and “Paid in Full” on the check.

2) If you did direct debit or credit card payments, close the bank account or cancel the
credit card IMMEDIATELY AFTER the check has cleared or the withdrawal is
posted. They tend to post charge card debits almost immediately.

3) Save all your evidence should they threaten to come after you. However, they won't
because they would lose; I am telling you from experience. I threatened them with
court and was refunded all interest and late fees.

4) Check for class-action suits in your area; there are many going on nationwide.

Here is a letter another gentlemen sent to CareCredit/GE MoneyBank:

To Whom It May Concern:

The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act (15 U.S.C. 1601) on the part of CareCredit, in that CareCredit, aka GE Capital Cons Cardco aka GE Capital Consumer Card Company. GE Capital Consumer Card Co. is a ""creditor"" by definition of 15 U.S.C. 1601-§103-f (Consumer Credit Protection Act) and therefore falls under the federal jurisdiction of the Federal Deposit Insurance Corporation (FDIC). GE Capital Consumer Card Co. has knowingly and illegally: - made a promotional offer of ""interest-free"" or ""deferred interest"" which, by its actions as enumerated below, it had or has no intentions of fulfilling, said offer falling within the definition of Section 226.2 of CCPA.

- levied late fees and finance charges when payments were actually received - and deducted from my bank account - PRIOR to the due date, - charged illegal and exorbitant ""account security"" fees without any form of legal disclosure or explanation as to what those charges may be, constituting a ""surcharge"" under sections 103 and section 167 of the Consumer Credit Protection Act (15 U.S.C. 1601), hereinafter referred to as CCPA. - has instituted retroactive ""terms and conditions"" without proper notification, in violation of § 226.7 of the CCPA. - has provided such ""terms and conditions"" in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible, in violation of § 226.5.

- has made it virtually impossible for customers (clients) to contact them in a timely manner by failing and/or refusing to answer telephone calls for periods of up to 7.5 hours (by placing the customer on hold for such lengths of time) and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line. - has acted to quash any meaningful payment inquiries by refusing to provide requested information to the bank upon which payments were drawn, in addition to failing to provide telephone-answering staff as alleged above. DETAILS: Application for the above-referenced account was made under a ""promotional offer"" (Exhibit A - promotional offer), which provided for no interest if the account was paid in full within 48 months.

This agreement was for the issuance of a ""medical credit card"" issued by GE Capital Consumer Card Co, 5300 Kings Island Drive, Mason, OH 45050, to cover dental (oral surgery) expenses in excess of that which were to be paid by the payee's dental insurance. The debt agreed upon was to be $1, 500.00. The first payment was due September 4, 2004 (Exhibit B - statement of payment due).

Payment was received via electronic funds transfer on September 2, 3004 and was deducted from the payee's bank account prior to 2 pm the following business day, September 3, 2004 (Exhibit C - email from USBank, formerly and aka Firstar Bank). The minimum payment on the above account is $45 per month. The defendant states that ""payment is due by 5 pm on the due date"" to ""avoid additional finance charges."" Payment was received and cleared well before that time.

Electronic funds transfer payments through USBank is guaranteed to arrive on the date specificied. This form of payment was chosen specifically to ensure timely receipt of payment, since US Postal Service delivery to and from payee's address is often very unreliable. In four years, I have had no problem with electronic funds transfers reaching their destination late.

The payee then received on Sept. 13, 2004 a ""late notice"" (which bore no postmark and was, in fact, bulk mailed - Exhibits D-1 and D-2 - envelope and late payment notice) claiming that no payment had been received, when in fact, it had. In addition, the payee was informed that a late fee of $35.00 and an ""account security fee"" of $23.25 had been charged additionally. In a document received Sept. 13, 2004, after the contract was entered into, labelled ""Account Security Debt Cancellation Agreement"" (Exhibit E), there is no mention whatsoever of any ""account security fee"".

Payee contends that this ""account security fee"" constitutes a hidden and therefore unlawful interest or finance charge, in violation of federal law. On that date, Sept. 13, 2004, payee attempted to call the phone number provided [protected]) and was informed by a voice recording that ""due to a high volume of calls"" there would be ""a lengthy wait time"". Payee kept the line open and was on hold for 3 hours 47 minutes before finally giving up, unable to speak to single human being during that time.

Additionally, the payee contacted the bank (Exhibit F - email) to notify them of the allegation by GE Capital Cons Cardo that no payment had been received, even though existing bank records clearly documented otherwise. USBank aka Firstar Bank responded to the payee on Sept. 14. 2004 (Exhibit G - email) that it was investigating the matter, then followed up with another communication - also Sept. 14, 2004 (Exhibit H - email) that ""GE Capital Cons Cardco will not discuss customer accounts with third parties"" and suggested that the payee call [protected] - the same phone number which GE Capital Cons Cardo will not answer.

An additional payment of $55.00 was made by the payee and received September 17, 2004 and deducted from the payee's bank account on Sept. 18, 2004 for the payment of $45.00 due October 4, 2004. No statement was received for a November payment, due Nov. 4, 2004; however electronic payment was made and received Sept. 29, 2004 in the amount of $100.00 (Exhibit I - details of USBank transaction printout), even though the payment due was $45.00. For the December payment, due Dec. 4, 2004, an electronic funds transfer in the amount of $100.00 was scheduled to be received Nov. 18, 2004, though the amount due was $45.00.

On November 12, 2004, payee received a statement from GE Capital Cons Cardco (Exhibit G - statement) claiming no payment was received for October and that a late fee of $35.00 had been assessed, as well as a ""finance charge"" of $106.64 and an ""account security fee"" of $22.38. The payee was also informed that the ""promotional offer"" had expired on an unstated expiration date, in violation of the agreement made and the promotional offer (Exhibit A). Also on November 12, 2004, the payee again attempted to call both toll-free numbers provided and was informed by a recorded message that ""due to a large volume of calls"" there would be a ""long wait time."" After 2 hours and 17 minutes, the payee again gave up, and on November 13, 2004, sent this document with a certified letter to the defendant.

In summary, payee has so far paid $400 on a $1, 500.00 debt and is informed the balance is $1, 563.13. All payments have been made and received before the due date. The payee asks for full restitution of the unlawful and exorbitant fees in the amount of $463.13 charged by GE Capital Cons Cardco, as well as all attorney fees and costs pursuant to this matter, and for full reinstatement of the ""promotional offer"" terms which were, and are, part and parcel of the agreement between the payee and GE Capital Cons Cardco.

The payee hereby notifies you, under the requirements of the Consumer Credit Protection Act. [15 U.S.C. 1601], that the aforesaid charges of $463.13 are contested for the reasons outlined above and that no such charges will be paid in the future. Payments will be made to repay the original amount of $1500, as contracted, in the time length necessary to avoid interest fees, per your ""promotional offer."" It is my intent to file legal action - as a class action suit if possible - and to seek full restitution and double damages as provided for in the Consumer Credit Protection Act

I made a large purchase at the Catalog Department (JC Penney - Dulles, Virginia) and the clerk gave me a card and told me to apply to the Rewards Program for additional mailings of coupons/discounts at no cost or obligation to me. I had my daughter sign up and then was informed this was a SERVICE OFFERED THAT YOU HAD TO PAY TO OBTAIN. WHO IN THEIR RIGHT MIND WOULD PAY TO GET A DISCOUNT, ESPECIALLY AT PENNEY'S WHERE THEY SEND ALL THEIR DISCOUNTS TO YOU FOR FREE THRU THE MAIL?

I sent numerous emails to their website customer service link and finally in December I received an email stating that my "Rewards Account was Cancelled"...now it begins...the billings started to hit my Visa card in January and again in February...($9.95). I have never used their services or their discounts. I spent 2 hours on the phone today only to be told my account had just now been cancelled (today) and they couldn't tell me how to get the charges reversed or who in their organization or where in their organization I was to call to have it done.

Navy Federal Credit Union has been great in reversing the charges. I think JC Penney and their Customer Service Department STINKS! Do not get taken in on their Rewards Program! I haven't shopped there since!

I agree. I purhcased drapes for my home. After purchasing them I clicked a button on something small on screen that mentioned 10$ gift card or something. The text was in an area about 2" by 2". I thought that by clicking the box I would be seeing more details - not enrolling.

In reality I enrolled.
15 mintues later I called the 800 number to cancle my membership.
They told me I had not yet been entered in the database and they could not cancle me.

I called JC Penney and told them I want to cancle my membership. They told me to call the 800 number I previously called.

I called the 800 number and was told I need to opt out by mail by when I recieved my "membership packet".

I never recieved my membership packet. After returning from an extended vacation and looking at my credit card statements in greater detail I googled "SB *PERFECT HOME SLECT(Services and Merchandise)" and asked that they remove my membership and redact all chargest (from Aug - Oct (3 monthes) They removed the most recent but would not remove the charges from Aug and Sept.

I was not expecting such a hidden-enrollment to be offered by what I thought was a reputable company. Futhermore I am very dissapointed with JC Penney for failing to act on my behalf to remove charges or in some other way compensate me for my time spent dealing with the issues or the un-wanted charges on my card.

In no way did I check a check box indicating I wished to enroll.
Also, I did not recieve the compensation (10 gift card + membership packet) that I was supposed to recieved.

This is clearly not the way to support your customer-base JC Penney. I'm actually fairly shocked that something so shady came from such a formerly reputable company.

I look forward to speaking with higher management in the next 5 to 7 days. (what timelyness!)

I too, have found charges by JC Penney Telemarketing, bbut the charge on my card was 17.98 ? I am in the process of a complaint against them. I do not believe this !

That doesn't seem ethical for a business to do this either. It's still a scam if you have to call to get free rewards after being charged. They probably only did this because you caught them charging you the money. I don't trust JCP.

the jcpenney rewards program IS free.

you signed up for an additional program-- fun family rewards, health extras, perfect home rewards, motor plus, or something of the likes.

those programs are 9.95 per month.

look closely at you billing stmnt from your credit card and you will see a telephone number to call, or call [protected], they will help get you to the right group...