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I purchased a few furnitures from Big Lots through 90 day pay-off promotion. The financial company they work with is Progressive Finance. I've been paying the bi-weekly payment on time. Never late never missed. I still have a few days until the 90 day period is up, so I called the Progressive and tried to pay off my balance.

However, now the rep told me it will be original purchase amount + tax + 10% financial charge to pay it off. Before I made the purcahse, I've actually confirmed with 2 different Progressive agents, and they all told me the total amount will be the same as the store purchase amount, and they told me there won't be any charge nor interest; they won't be a dollar more as long as I pay it off within 90 days. So I went ahead and made the purchase.

Now I try to pay it off (still within 90 day period), they are telling me the 90 day pay off amount is the original price of the products + tax + 10% charge. So now they are telling to me pay 10% more than the amount on the contract as "Cash Price." I tried to speak with a supervisor but the call got dropped or they hung up on me.

They promote it as "no fee no charge no interest if paid off in 90 days," but how come there's 10% interest charge when I try to pay it off before 90 days?

Has anyone had similar issue?

Reason of review: Problems with payment.

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Guest

That's just downright nasty ! I am sorry to hear someone is being taken advantage of this is shameful I hope they do the right thing and help you out ...

LISA L Xxt

I HAVE APPLIED ONCE AGAIN FOR PROGRESSIVE LEASING AND WAS INFORMED I WAS DENIED ONCE AGAIN BECAUSE THEY ARE UNABLE TO VERIFY MY IDENITY! WHAT IS FUNNY IS I HAVE MORE THEN 4 CREDIT CARDS IN MY NAME LIVED IN THE SAME HOUSE FOR 17 YEARS SAME BANK ACCOUNT FOR 10 PLUS YEAR SAME JOB FOR 18 YEARS! TOLD THEY WERE SORRY THE SYSTEM CAN NOT ACCEPT MY APPLICATION WOW VERY UNPROFESSIONAL CAN REAPPLY IN 30 DAYS YEAH RIGHT!

Guest
reply icon Replying to comment of LISA L Xxt

That is not unprofessional. Maybe you were overqualified. Who knows, but you need to stop blaming them for you being denied.

Guest
reply icon Replying to comment of Guest-1781039

That is a stupid reply. I agree with you they like to play games.

Even wgen you send them proof they say its blurry. Dont waste your time its there lloss.

There are other lease to own companies you can use that want the customers. They need to look at the customer service reps they are hiring.

Guest
reply icon Replying to comment of LISA L Xxt

trust me its better you dont get credit with them cause they charge way to much for leasing were getting screwed with them cause we applied with conns they added progressive with our contract the conns sale person didnt tell us what he was doing till we isned papers he wouldnt even show us what he was doing now we are tring to get then to take the furniture back ughhhhhhhhhhhh !!

Guest

I have leased from the multiple times. Never had an issue.

Set up payments to pay off in 90 days. Easy and upfront about costs. Sorry. You need to pay attention to what you are buying.

And no, I don't work for them. I just like their program because it has allowed me to update my house a little at a time.

Guest

Yes I also have an issue right now Progressive told me I would pay a certain amount . Progressive has charge me interest an taxes on every payment I have made so far .

ProgressiveLeasingLLC
reply icon Replying to comment of Guest-1521243

We understand how disturbing that must be. We want to assist you in any way possible.

We have searched our system, and unfortunately we couldnโ€™t find a phone number to reach you.

We would like to provide you with a resolution. Please reach out to us at 877-593-2520 so we can help you.

Guest
reply icon Replying to comment of ProgressiveLeasingLLC

This issue should not occur. This is not a mistake, this is fraud and I thought about financing with Big Lots, but if this is what's going to occur.

No Thank you. Reach out to the BBB and the FTC.

Guest
reply icon Replying to comment of ProgressiveLeasingLLC

Good, that's nice. Companies need to show accountability, because if there are no customers, then the company doesn't need a lot of employees. We must realize that one day the employees may need another form of help (doesn't have to be this kind) but empathy is always a good thing to do and have.

Guest

Well that convinced me not to use the lease option.

Guest

I've bought three items with progressive.and never had to pay more then cash + tax in 90 days have never had an issue. The rules in your state may be differant.

Guest
reply icon Replying to comment of Guest-1416709

N/A

Guest
reply icon Replying to comment of Guest-1416709

I agree I've never had any problems with this company they've always let me pay stuff off early it clearly states what the price is how much you are paying after the 90 day option and you sign that in a document on DocuSign and you are very aware of the agreement so I don't understand why people keep saying you're getting ripped off when you know exactly what you're paying for

Guest

In reality You are blaming the company for YOU SCREWING UP YOUR CREDIT, and having to use them .... Get over it.....

That's how the company makes their money for lending you money to buy something. I bought a living room set through them , I paid it off within 30 days and YES I PAID a 10% fee to do so .AND I am grateful for this company because without this program I couldn't have gotten my furniture at that time . If you read your contract or the sign at the store before you purchased you would have been well aware of the fee, don't say someone told you! .

Sounds to me like you have no one to blame but yourself for being irresponsible . And as I type this I am on my way there to purchase a new gazebo and grill which I will pay off in 90 days and gladly pay their 10% fee for letting me borrow the money!!

Guest
reply icon Replying to comment of Guest-1344335

It is evident you work for this company, with an ignorant comment such as this. 90 days same as cash is just that.

It means no finance fee, it is the same as cash.

How do you state this person messed up their credit, when you are using the same financing to get something smaller than furniture. Your credit must be really ridiculous just as you are.

Guest
reply icon Replying to comment of Guest-1537384

Lol So true

Guest
reply icon Replying to comment of Guest-1537384

Itโ€™s very funny when people get on their high horse. She had problems you will too someday, that doesnโ€™t mean you bash the person.

Yes big lots is a ridiculous way to buy furniture. However, when your crew sucks you pay the price.

FYI. Progressive Leasing doesnโ€™t report to credit bureaus.

Guest
reply icon Replying to comment of Guest-1344335

It is stated in their documentation that there is a fee for leasing.

Guest
reply icon Replying to comment of Guest-1344335

When your told if you pay it off in 90 days their is no interest then that should be it, not some 10% bs charge that no one told you about until you go to pay it off before the 90 days is up. How is it not the companyโ€™s fault?

Irresponsible for what exactly?

Being mislead? Give me a break!

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