JC Penney
Reviews and Complaints

I am a 53 year old female who just starting getting a negative notation on a credit reporting agency for past due accounts. The account was a JC penny account that was owned by an ex-husband who I divorced 9 years ago. The account was opened in 1974. I was a student at college during that time and did not even know the person who opened the account. I married this person in 1992 and divorced him in 1999. Just in the last 5 months have I ever heard of this account, which was being put on by credit report as past due. I investigated it and found that my ex-husband died in January. I have tried to dispute this, but a supervisor at JCPenny dispute could not give me any information. She just stated that someone put me on the card as a co-holder of the account. I asked if just anyone could call and put someone on an account, she stated yes. I have requested anything with my signature on it, but this can not be produced. I have never used any card or heard of it. It is the only negative thing on my account. I am trying to put a child threw college and have always had good credit. HELP! What are my recourses?

I just got my JCPenney Cardabout a month a go and I have a balance of about $40 I just happened to check my credit report and had stated on the ( credit report) ex. $40 bal and $40 Limit even thought my limit is $500 this mistake on the credit report has brought my credit score down, please keep in mind my JCPenney Card statement does not say that Just my credit Report.

Concerned Customer

I am forwarding you two letters sent in regards to JCP adding my name to a credit card opened by my ex husband. I am trying to get my name off an account that is not mine. Even though the divorce papers prove we were not married when he opened the account they are still keeping my name on the credit report.

Susan F. Johnson
47245 215th Ave
Pelican Rapids, MN 56572
[protected]

March 6, 2007

Credit Bureau Dispute
PO Box 981402
El Paso, TX [protected]

RE: Credit Dispute Account #[protected] JC Penney

To whom it may concern.

I recently sent you a copy of a divorce decree between Susan Johnson and Robert P Johnson. This was sent to prove that my ex and I were divorced by the time he opened the account and my name never should have been put onto the account. According to Gloria at JC Penney credit department all the information I sent you was to go to:

GEMB
PO Box 981426
El Paso, TX 79998
Att: Recovery Dept.

Because they gave me the wrong address to send my dispute to my loan with the State of Minnesota will be greatly delayed. I am writing to ask you to please forward all of my correspondence to you to the address listed above. My original copy of the divorce decree was forwarded to Allan Cowles at the United States Department of Agriculture, so I do not have an extra copy to send out.

Would someone from your department please contact me to tell me that you got my letter and if you will be able to fulfill my request?

Any help you can give me in this matter will be greatly appreciated.

Sincerely,

cc. JC Penney Credit dept. and United States Department of Agriculture
Susan F. Johnson
47245 215th Ave
Pelican Rapids, MN 56572
[protected]

March 6, 2007

GEMB
PO Box 981426
El Paso, TX 79998
Att: Recovery Dept.
RE: Credit Dispute Account #[protected] JC Penney

To whom it may concern.

Please find enclosed a copy of a letter I sent to Credit Bureau Dispute requesting they forward all paper work sent to them by mistake per advise from JC Penney as of January 17,2007. I would like to get this matter resolved as quickly as possible as I am under a deadline for a loan application with the State of Minnesota.

On October 1993, Robert Price Johnson opened a JC Penney credit card number [protected]. (this is not my account) My name was also included on the account, however Robert and I were divorced several years earlier so I should have never been put onto the account. The divorce papers that the Credit Bureau Dispute has should be forwarded to you very soon to show proof of divorce.

As you are aware of , in 1993 JC Penney would have never opened an account for a single or divorced woman without a man present and proof of ID, however it would have been very easy for Robert to put me on the account as a second card holder without me being present. I would like to think he would not do such a thing, however it is not entirely out of the question.

If you would like to collect from Robert, he lives at:

Robert and Gwen Johnson
503 5th Street SE
Barnesville, MN 56514
phone #[protected]

Robert works at : Minnesota State
Community and Technical College
1900 28th Ave S
Moorhead, MN 56560
Graphic Design Technology - AAS
phone toll free [protected]
his direct line is [protected]
fax [protected]

Because our divorce was not amicable, I would be unable to contact him or get any assistance from him myself, however he may cooperate with you and be willing to send you his dept payment just to clear up his credit report.

I need this dept taken off my report right away. I need to put a new well on my property but can not afford to take out a high interest loan. The State of Minnesota will give me a low interest loan over a 30 year period but will not do it until this $32.00 balance is taken off my report. I need clean water right away...Please help me!

Sincerely,

In June of 04, I click on JCPenney and sent them $50.00 through my online banking. I didn't owe them anything I just sent them money by mistake. I called them and told them what I had done and they issued me a check for the amount.

In May of 05 I began receiving a bill from a collection agency, I called and they were to investigate it, but never heard anything else from them. A month or 2 later another was sending me a bill. I called and had a shouting match with the collection agency Nationwide representative. I called JCPenney again.

They told me that I owed them $50.00 and the rest was late fee's and finance charges. I explained what I had done in 05 and did get a refund check, the rep told me they were not suppose to send a check to me. Well is that my fault?

They removed the fees and charges, and begin billing me again. I called and spoke to one of the supervisors, she told me that they never received the check and that my bank probably canceled it since I didn't owe. I contacted the bank and got the statement showing where indeed I did send it and NO they would not cancel an electronic payment. This was an online conversation and I sent that and the statement to them. They sent me bills with new finance charges and late fees.

I called again and this time they told me that they issued me 2 checks for that refund. After becoming irate with them I asked for an investigation and to send me the copies of the checks showing my signature on them. I received a copy of one check. I called back, the supervisor this time told me that they sent 2 check copies and didn't I get the 2nd one. I told her no, sure didn't, got 1.

Again I told her to send me proof, copies of the 2 checks. I got the same copy of one check and still getting charged late fees and finance charges. I've sent my 2nd letter to them and have called this company 7 times.

They are calling my house and just sent me a brand new credit card. lol
They say I signed up with their master card and they sent me the 2nd check.
This is the most ridiculous company and the supervisors, representatives are about as dense as a bird. I am fed up with this.

They have no right to put a charge on my card when in the first place it wasn't a purchase, it was a mistake and if they sent me 2 checks it's their mistake. I told them when they prove that I received 2 checks I will gladly pay them the $50.00. I have filed a complaint with the FTC and whoever else I can complain about these thieves to.

It's mind boggling how corporations think they can just rip you off like this.

A few weeks ago I got an email from JC Penny asking that I answer several questions and that if I answered all of the questions I would receive a $500 JC Penny card. There were many many questions, some I could not answer because it was a company wanting me to buy one of two products which I did not want to do. At that point I stopped answering and left the site. These were all sites from schools and businesses. Immediately, the same day I started getting about 50 SPAM messages from all these businesses every day. Fortunately I have a SPAM filter with McAfee but a few get through everyday. I am even getting mail from schools wanting me to register. I think this is a very underhanded thing for JC Penny to have done to their card holders.

Thank you,
Joan