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Asked for refinance .. got the refi but under false pretense.

I had lost my job due to cutbacks. Called USA Discounters to see if my husband and I could get our loan refinanced due to hardships. We needed our payment lowered. I was told that if we waited till the begining of October then our pmt would not be due till November once the paperwork went thru and we would get a partical reimbursement. 18 days later and many phone calls they had informed me that the refi was accepted and that we would go to the local store to sign the paperwork. I had asked about the reimbursement and was told because the papwe work didn't go through till today then there would be no reimbursement. I had explained that that was not what I was told the guy on the phone proceeded to say that was not what I was told. I said I was not going to argue with him but I know what I was told. I was truly counting on this money to buy food! I hope they are happy!!
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1 comment
Anonymous
#550321

Thanks for your post. A USA Disocunters representative will contact you regarding your concern. I think you will be happy with the results.

ID
#349112 Review #349112 is a subjective opinion of poster.
Location
Tempe, Arizona
Loss
$245

Horrible place

We called to talk to Usa discounter about our account in North Carolina. We asked them about giving everything back or lowering out payments we just can't afford it any more being in the military and having a little one on the way. So the first person we talked to said she would talk to the credit department. She called us back and said the finace department said that its no their fault we can't pay our bills and to deal with it. We can pay our bills we been paying this bill that never ends from 2009-now 2012. So she told us to call the manager tomarrow so we did and he tell us to file for bankruptcy because they already refincaed for us. I don't know about everyone else but i always though when you refinaced something they made the intrest go down and the pay ment go down more then 20 bucks. Their idea of refinace is is takign the warenty off so if somethign breaks you can't take it back. and starting yoru whole contract over. I highly recommend not using USA discounters especially if yoru military its a rip off go with out for a few month then buy out right even if its cheaper quality. It wont be much cheaper quality then usa discounters thats for sure. SO unless you want to file bankruptcy to get a better payment with usa discoutner don't use them at all.
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1 comment
Anonymous
#660700

So you sign a contract and then are pissed that you are held to the terms of that contract?

ID
#339820 Review #339820 is a subjective opinion of poster.
Location
Overland Park, Kansas
Loss
$17

Living Room Furniture!

I went to USA Discounters and was told I would get a light brown Living Room Suit. Well it came in and its Chocolate Brown eww nasty. Trying to see if it's the dye that damaged it or not. Said oh we will take out 150.65 and you payments went up to 214.00 and they owe us $60 + dollars and now we can't get our money back.. So now we have to wait to see about the payment back and our account is now 8,000.00 for 1500.00 worth of furniture. why are yall over priced stuff? PISSED CUSTOMERS
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1 comment
Anonymous
#525333

Ma'am,

Our records indicate your Husband is satisfied with the original agreement to have a professional technician take a look a the furniture. Thanks !! USAD.....

ID
#337385 Review #337385 is a subjective opinion of poster.
Location
Hinesville, Georgia
Loss
$1500

Taking advantage of the disadvantaged

People, I have to say that we have to put a large amount of the blame on ourselves. We were not forced to signed that contract that clearly outlines the debt that we will be placed in for needing these products. This company should be put out of business for the mere fact that they PREY on people such as ourselves because we have an immediate need w/o a favorable credit/income status. I purchased a complete living room and dining set and, let me be the first to say, it is not quality worthy of the money we spend! After about three months of use, the springs in my couch became nonsupportive and the chairs to my table set keep coming apart. I called them to come and fix it once and it happened again. their products are only good for one thing and that is to sit in their showroom because, once it gets regular use, it breaks! I am appauled at the fact that this company is targeting the very ones who are the most in need of assistance. Instead of providing us with good quality merchandise, we get *** items that we can't return and horrible service. My financial circumstances have caused me to lower myself to purchase from these people but I can guarantee that this is my first and last purchase and I have told everyone who has asked me about this company not to do business with them. It is very unfortunate that I, as well as all of you, had to use this service. Now that we know, let's not go back. If they have no buyers, they have no revenue, no revenue means they go out of business until they revamp their system and give us quality that is comparable to the merchandise that they advertise.
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ID
#319430 Review #319430 is a subjective opinion of poster.
Location
Dallas, Texas
Loss
$5

USA non-discounters

was going through a divorce at the time and was paying spouse BAH and paying for rent out of pocket since 80% went to my estranged spouse.anyway bought like 4 items for furniture from these people and at the time it sounded good unless i realized i saw the same exact items else where for like 60% cheaper and i was mad..now i'm stuck making ridiculous payments and the couch i bought the spring in it broke so it was definitely defective and try to contact them and ask how much your remaining balance is and you will just get the run around..USA discounters supposedly support the troops and federal employess but they really only support their own pockets..anyone thinking about going through them should stay away..no matter what your situation may be there are way better places than these people..dont make that mistake i made, and don't miss one payment cause they will threaten to take you to court and ask for wage garnishments. i'm afraid even if i paid my stuff off early they would still attempt to take money away from me that's how crooked these people are..
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ID
#310723 Review #310723 is a subjective opinion of poster.
Location
Washington, District Of Columbia

Overcharges.

I was married to someone in the military and we got some furniture at USA Discounters in Colorado Springs. My husband at the time deployed and we separated when he got home. I took the furniture because he wouldn't come get it. He stopped paying the payment, and I am trying to work with them because I got stuck with it in the divorce. They keep trying to garnish his wages and it says "NO PAY DUE" so I am not sure what that means. They told me that they would stop garnishing his wages after 2 payments of me making them. They don't understand what a single mom with no help goes through vs. my ex that makes 5000.00 a month. It shows charged off on my credit report, I am not sure what to do. But, I can't afford to pay for this furniture that I don't want.
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1 comment
John N
#460329

You might try legal aid in your area. It helps the poor, depending on income.

They are going after your ex because he is the one who incurred the debt. They don't care about the divorce settlement, just whose name is on the debt.

ID
#309649 Review #309649 is a subjective opinion of poster.
Location
Jacksonville, Alabama

Ripped US OFF!!

My Husband was in Iraq and our laptop Died So I went to USA Discounters BIG MISTAKE!! Payed way to much for it Had it 3 months stopped charging took it in they gave me a knew cord 3 months later same thing took it in this time they tell me computer is fried and I can get another on but have to keep paying for the old one and I got couches from there less than 2yrs old and are broken uncomfortable and just plan *** and the mangers and the staff are just plan rude and moneyhungry People!!!
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1 comment
Anonymous
#474044

This place is just a load of *** ... i got this stereo system which as a complete rip off...it was an LG for 700 dollars and the lady told me it was a good deal....not only did i take it she charged me so much interest...in the end i wanted to take it back because i saw a sony stereo system being sold for 400....i called them a month before i was suppose to get out the service and the lady who was suppose to help me "monique" told me she would take care of the problem with making payment arrangements and returning the product...she never called me back instead i got a call 2 months later about payments that need to be made and that the product cant be returned due to it being too old and out dated...

so i got stuck with paying for 1000 dollar stereo system ... her supervisor probably told her to not call me back about returning the product because they would lose so much money...that or this person named 'Monique" probably is just like the rest of her people into where they forget to do things and just cause more problems for others...talk about the welfare of the customer....these people are thieves...dont deal with them...all they do is take advantage of people in the service...especially new young couples that have no money....im telling you dont go to these guys they are the worst...not only do they over charge for their products they stack a *** load of interest and in the end they forget about you and just want the money and nothing else

ID
#307757 Review #307757 is a subjective opinion of poster.
Location
Fountain, Colorado
Loss
$7

Usa.discounted ripped off

brounght furniture my son is in navy so iam cobuyer go behide 1 payment i was threated with we are going to take you to court to we are sending out a letter to your son chief and was told that my son would throwed out of the navy .iam a single mom and i don,t want my son any trouble for what i have done they told me they would work with me.so will tell anybody dont' mess with them mr.payton told me to half of the payment i did so and that still want good enough! AB. KINSTON NC.
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ID
#303999 Review #303999 is a subjective opinion of poster.
Location
Dallas, Texas

USA Discounters: The Terrible Experience

There is one word to describe our experience at USA Discounters and that is Terrible. They were pushy, demanding, and all in all just plain rude. I had to tell the salesman helping me several times that I wasn't interested in a certain living room set before he finally gave up only to have another salesman take his place to push the same set on me and my wife. Needless to say they didn't make the sale. And if you try to pay off your stuff earlier and you get a refund, don't count on the money getting back to you in a timely fashion. My wife had to call 3 seperate times over a period of about 2 months until she finally threatened to call Corporate. After that we found out what had happened to it. Save yourself some heartache and go to Freedom Appliances.
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ID
#294711 Review #294711 is a subjective opinion of poster.
Location
Topeka, Kansas

USA DISCOUNTERS SUCKS!!! STAY AWAY!!!

I bought couches, computer desk and a computer chair from them a couple of months ago. The lady helping us stated that if we did not like the furniture or if anything went wrong with it, just let them know and they will fix it. Fast forward to last month and the couches are falling apart and the chair has the screws coming through. I went to them to have it fixed, which was last month and to this day nothing has happened. I keep calling them and getting the run around. I spoke to managers and supervisors and still nothing. These people need to be black listed and that is exactly what I am going to speak to JAG about today. They will rip you off and their return policy is non existent. It is my fault for going to them in the first place but I can prevent other people paying 5 times the amount for furniture than you have to. I hope this helps people in staying away from these crooks. They are the most deceiving business after the pay day loans that you will ever deal with. Stay away from them!!!
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2 comments
Anonymous
#422958

Update on my post. After my attempts of getting my furniture fixed, there was light at the end of the tunnel.

Mr. Hughlen was great to deal with. He ensured that everything was taken care of and made the transaction seamless. If anyone ever has any problems, I would suggest that you speak to him because he is there for the customer and takes his job seriously.

This was the first time that someone who said that they will take care of the situation actually stayed to their word and did exactly what they said.

Mr. Hulen, thank you for your help and I appreciate it.

Anonymous
#422077

usa discounters is a waste!!!!!! baaaad customer service!!!

and who ever the manager is *** you!! your soo ruuude!

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ID
#293065 Review #293065 is a subjective opinion of poster.
Location
Mount Laurel, New Jersey
Loss
$3000

Granite Table

I was deployed when my wife went to USA Discounters here in Fayetteville, NC. She saw a granite top table that she liked and bought it and put it in my name with a power of attorney. The salesperson said that it was a granite top table that was priced at around $1400. But, as it turns out after my wife bought the table and the techs came and delivered the table to our home. I came home from deployment and looked at the table and the supposed "granite top" table was actually a wood topped table with a sticker to make it look like granite with polyerithane covering it. Now, the sticker is starting to peel away and you can clearly see that the "granite top" is wood.
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4 comments
Anonymous
#533024

You R right about that table I saw it but you can see that it was wood. I'm sorry your wife got taken.

The problem is we us customers need to check the products.

I've used them several times. Grant it they charge more.

But what can you do when you have bad credit? :grin

Anonymous
#464733

Thank you for your post. I was considering using this company but I can see that they are your standard rip off company.

Overpriced and shady as the products the salesperson are promoting are not what they say they are. As well as promoting an insurance that obviously has fine print that no one reads or that the company brings to anyones attention. Thank you. As for those previous comments about "manning up"???

those have nothing to do with the spirit of what was posted. A personal attack on a stranger was not justified nor made any sense whatsoever.

Anonymous
#452846

@ just sayinn,

First, it is spelled 'just saying'. It is not 'cool/kool' to murder Engish.

He is blaming the shop for lying about the quality of the product, not his wife.

You would be pissed off if someone sells your wife/girlfriend a car with a V8 and when you get home and see it is a 1.6L 4cly.

Go back to your minimal wage job at USA Discounters and help a customer. If you do your job correctly, this wouldn't happen in the first place.

Anonymous
#430077

And who do you blame for giving her the POA and who do you blame for using it? Ok, I see lets blame the shop for accepting it!

Man up!

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ID
#292682 Review #292682 is a subjective opinion of poster.
Location
Washington, District Of Columbia
Loss
$1400

Ordered the wrong bed frame

These guys have no clue as to what they are doing. I have a California king supreme bed. I wanted t get rid of the old iron bed frame. We go to these jack wagons and while ordering a bed frame (4 week delivery) me and my wife where both trying to tell this guy that it says king. He argued with us saying he knew what he was doing. We conceded that he was a manager and all surely he knows how to read. 5 weeks later we get the regular king size bed frame. Now i am sending it all back to them. what is worse they had to contact a store that is 50 minutes away...rather than the one that is 10 min away to come pick it up. So if you live in Norfolk, VA you are better off going to Haynes.
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1 comment
Anonymous
#413549

USA Discounters are a ripoff store and they take advantage of soldiers, and are also waaaay overpriced for what you buy.

ID
#290810 Review #290810 is a subjective opinion of poster.
Location
Norfolk, Virginia
Loss
$167

Rims & Tires

Ok, about 4 years ago I purchased Rims &Tires for my truck. I spoke with this ***. Scott Thibodeua who more than once promise that they (USA DISCOUNTERS) would reimburse for the mounting fees to get the tires &rims put together and mounted. Well after 3 attempts I finally gave up. If USA Discounters were on fire I wouldn't *** on them to put it out. The only discount I see is how they screw the consumer every chance they get. I recommend staying away and giving your money to someone more deserving of it other than them. Totally Dis-Satisfied
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2 comments
Anonymous
#478331

Why would they reimburse you in the mounting fee, it states in the tire and rim disclosure that if you choose to go through your own licensed tire person to mount them that is on your pocket not the company. at the time of the purchase they give you the option of using their licensed provider, if you turn it down then it's up to you.

Either way you pay for the cost to mount them. :cry :cry

Anonymous
#705820
@PissedConsumer478331

Who responds like this? A die hard consumer?

Sounds to me like USA Discounters didn't like this guys words.

Well, I've heard what I needed to. Shopping elsewhere!!

Customer Service IS everything!

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ID
#281011 Review #281011 is a subjective opinion of poster.
Location
San Benito, Texas
Loss
$3500

Very much agains bad customer srvc,specialy agains military srvc.

Regarding what "TopSecret" posted here about treatment received at this store. I was getting ready to become a customer at this place until I read about your experience. Sounds like a nightmare! As they say in the Army "sht" rolls down hill" And per your experience at this place it sounds that, in this place it's allover the place,and management at this store places no control on their employees. Hope you find a nice agressive lawyer to go kick but! .Thanks for warning us! I now will take my business elsewhere. Again Thanks...and P.S:congrats on the new baby.
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ID
#277930 Review #277930 is a subjective opinion of poster.
Location
Colorado Springs, Colorado

USA Discounters Balitimore, Maryland

USA Discounters is a rip-off I agree, but its a legal ripoff, not only are you paying an excessive mark-up for having bad credit(my fault for bad credit)but you are paying finace charges that should be illeagal. This company is making money coming and going. If someone defaults the markup is so great that as worst they break even. Once you are approve, they are relentless to get you in the store to purchase as well as they wish for you to spend your limit. In Baltimore my sales person was great William, so if you have a chance to purchase in Baltimore ask for William he is not rude or ***, not the most professional but very effective.
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1 comment
Anonymous
#478335

The finance charges are based on all the information you input as well as you credit. Each state has a max of what they will allow a company will finance to charge on interest rate.

The reason their prices maybe high is because they are not a direct volume buyer like walmart, best buy, etc. they don't get the discount because they don't purchase in volume they go through a distributor that charges them just like best buy,but makes them pay more.

ID
#270938 Review #270938 is a subjective opinion of poster.
Location
Aberdeen, Maryland