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  • Report:  #116989

Complaint Review: CompUSA - Latham New York

Reported By:
- Scotia, New York,
Submitted:
Updated:

CompUSA
579 Troy Schenectady Rd Latham, New York, U.S.A.
Web:
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The CompUSA credit card is a TOTAL ripoff! I just purchased software with this card, for a total of $108. A measly $108 borrowed, and if I pay their minimum of $10 a month, I will have spent about $26 in interest, which is about 35% interest charge.

This is due to their minimum finance charge of $2, forget the 18.9% they claim in their contract. So if you want to stretch out your payments on a small purchase, you get totally screwed.

I got this credit card back in 2002, and the minimum finance charge was $1 in the contract. They claim they changed the minimum charge in July of 2003, informing card holders in March, but I never received any type of notice, so they are real sly.

So now that I charged on this card, instead of being able to pay it off over a year, I have to pay it real quick so I don't get zonked. Like, why bother to have this card, it's a money machine for them, it's certainly not a convenience to the consumer. I was even charged an extra $2 for just 11-days of the billing cycle.

Anyway, CompUSA is an all around ripoff and I recommend no one buy anything there. Once they have your money, they don't care anything about you. Just try to return a defective or unsatisfactory product to them after their 14-day return policy.

They're supposed to issue a refund on this type of merchandise, but they hide behind their 14-day policy. And forget about writing to their bank and refusing to pay; the bank will just blow you off like they did to me. They are for the store and definitely not the consumer. I bought a scanner with included software that was advertised as being compatible with Windows XP, but it turned out it wasn't.

The software was produced by Corell, and when I called them, they couldn't believe I actually received this old, outdated software with my scanner, since they didn't write it for Windows XP. By the time I learned this, it was well past the 14-day return policy - but by law they have to issue a refund for defective merchandise.

Well, they absolutely refused to do anything for me, and when I told them I was going to write to the bank to get a charge-back, they told me it would never happen, and they were right, the bank said it was beyond the 14-day return policy and that I had to pay. Neither the store nor the bank gave a d**n that it was defective and didn't work as advertised.

So if you absolutely must buy something at this rotten place, be sure to use a credit card that is on the side of the consumer, so you can get a charge-back when things go wrong and the store just snubs their nose at you. Never use the store card, and why are you shopping there to begin with? They suck. And if you want to sue them, good luck finding a lawyer that will take your case; as I was told by a lawyer that handles consumer law - you're pretty much on your own.

Jon

Scotia, New York
U.S.A.


2 Updates & Rebuttals

Jonathan

Santa Rosa,
California,
U.S.A.
Never requiered to return items

#2Consumer Comment

Wed, January 05, 2005

Stores are never requiered to return items, defective or not, especially after their return policy has expired. They do have an obligation to exchange the item for you if it is defective (for the exact same item) and within the return policy. They never, under any circumstances have to return an item for you because it is "unsatisfactory", or after their return policy has expired. In your particular case the item is not defective, it works fine. The software is incompatible with windows XP. Big difference here. I would suggest getting a hold of Corell and seeing if they have and update you can run or if they can give you a deal on an upgraded version. There is also a nice feature in XP called compatability mode. You can run any program in a compatability mode for any previous version of Windows. On a side note, I have yet to find any program that will not run with Windows XP that was written for Windows 98. It is also pretty impossible to have a peice of hardware that is not Windows XP compatible. It may very well be that the manufacturer has or is working on updated drivers (software) to make it 100% compatible that you must download from them. I am actually still to this day using and old version of CorellDraw that came out about the same time as Windows 98 and all of my computers currently run windows XP and have no problems with it. I will say though, that unless you know quite a bit about computers and how they work, it can be hard to get things to work properly if there is anything out of the ordinary you must do to make it work. Again, this is where calling the manufacturer comes in handy. Read and understand that return policy. It is there for a reason and they do not have to do anything above and beyond what is stated in that policy. That is why your bank refused to help you out. They were well within their rights to not return the item for you. You only option at this point aside from buying another more recent program is to get ahold of the manufacturer and see if there is anything they can do for you. As far as the Credit Card is concerned, even though it is a CompUSA card, the bank the card comes from is not owned by CompUSA. Even most of their employees will tell you to only use it when you can get a special finance deal (i.e. 12 mo. no interest) and use a different card to pay it off before that time comes.


Chris

Culpeper,
Virginia,
U.S.A.
CREDIT 101

#3UPDATE EX-employee responds

Sat, November 27, 2004

First of all, you should know by now that if you have a major credit card (like Visa, MasterCard, etc.) the interest rate will ALWAYS be lower than a store card. 18-19% is actually pretty low for a store credit card (The Home Depot charges 21%). If you pay a $108.00 charge with just the minimum payment, it's going to take a while. That's how credit card companies make money. Read the application more thoroughly next time. As for the return policy, as a former CompUSA employee, I know beyond a shadow of a doubt the return policy is clearly posted throughout the store and ON THE RECEIPT. If you make a decision to read signs or look at your receipt, I'm not exactly sure how that is CompUSA's fault. As for the nature of the return, if the software was truly incompatible with XP, how come you didn't notice it before the clearly stated 14 day return policy. I know that when I buy software, I usually install it that day or within a day or two. If there is a problem with the software, I exchange it. I also check compatibilty BEFORE buying it and don't rely on someone to tell me if it will work - I read the package. Please don't say this was a gift for someone or that you immediately boarded a plane for another company - those ecxuses are used too much. Read the packaging and read the receipts and your problems will go away. Don't be angry at the retailer because you chose not to read a package or a receipt.

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