Ginny'sReviews 180

I opened my account with a credit limit of $250. I have made 2 monthly payments on time. My June statement shows I still have an available credit of $102. To my surprise when I opened my account online it is now showing that I am over my credit limit by $29. And my limit now is only $100. I called them and was told by 2 people that this if how they operate. I was given a promotional offer of $250 limit but it expired in 2 month!. What kind of company is this? I have never heard of such a thing and I have worked in credit and collections for over 35 yrs.

Loyal customer for over 3 years. Set up auto payment and this past year, they didn't automatically withdrawal from my account for the monthly payment. Collection calls me. I find out the account had been in collections and late fees 200.00 worth of late fees! I called Ginny's asking why there were no phone calls made to me or letter letting me know they stopped autopay! They had no reason for the stop payment! They lied and stated, it's against the law to call in WI! So after an hour of trying to figure the problem, I had to pay the whole amount, 200.00 late fee, And $100 balance! They still want me to call back the week after to close my account because they weren't able to do it that day! My credit report now shows that Ginny's write off the charges as bad debt! Dumb business!

Have never been to this website. In January an RCA 32 inch HDTV was delivered to me from Ginny's that I had not ordered. Shortly thereafter I received a bill for $446 which was $393 for the TV and $57 in shipping and handling. Returned the TV and received credit but now am expected to pay the shipping and handling. Cannot get information from Ginny's as to the order and how it was placed. Further an RCA 32 inch HDTV can be purchased for $129 or less from Walmart or Best Buy. This place charges outrageous amounts for products and then charges 21% interest on top.

I received a bill from Ginny's (supposedly in Monroe, WI) for $982. I've never even heard of this company, let alone ordered from them. I called and asked about it. When given the order# the rep said it was for a television. She then told me I should be concerned that someone has my information and I should check with the three major credit bureaus. Next, she said she would transfer me to their "Loss Prevention Department" so I could make certain the order is cancelled. Guess what... 20 minutes on hold and no one ever picked up.

This company is a scam and a fraud.

I have purchased from them before and paid with no problems, so they constantly send me catalogs saying I am approved with up to $400 buy now pay later, so I place an order for only $200 of their overpriced items that they said would be here on 12-21 so I expect to get my order, no order so I call and they say I was only approved with 25% down, but they sent no email, no call, no notice and all they could say was were sorry, very bad business I should have been told, it is Dec 22 and had I not called I would have been waiting for presents, now I have to rush out to buy, not a big loss cause I found the same items for ess than half the price, but their customer service SUCKS and they are way over priced

I paid my entire payment for my one time purchase of perfume, and they sent me ANOTHER bill of a LATE FEE, and then more bills. I originally paid around 50 dollars, as my perfume was 42, and now my closed bill states I still owe 40. I won't pay what I clearly do not owe.
It affected my credit score. Incompetent employees shouldn't be handling people's payments. When I called, they refused to drop the charge. This was from 2014. It is still on my credit report.
They did not get the 40 extra dollars they wanted. And will not. Absolutely pathetic, to charge people a fake late fee, after the entire bill was already paid. Keep in mind, this was the company *******@Five, now Ginny's.

My account required a Down Payment. I have proof payment was made... But the system fodnt process order when made payment. I just thought to call back bcuz wanted to make sure grandbaby would have before Christmas. He will not have a Christmas bcuz of them. The worst customer service and will hang up in your face if don't want to listen to your complaints. They don't notate the account. You have to repeat self Everytime pick up the phone. They have an uncomfortable unconcern attitude.

I have been given 2 gift certificates at different times to spend with Ginny's. When I tried to use them, however, Ginny's told me that they had already been used by someone else and that I could not use them. For the latest one, Ginny's said that they would investigate the situation 3 days ago, but I still have not heard anything back from them. It should not even be possible for someone other than the recipient to use gift certificate -- that has never happened to me with any other company. It makes me wonder whether a Ginny's employee is using valid certificates that are not spent right away. I should be able to spend the amount of both of these certificates (or receive the cash equivalent), and this poor business practice should be changed!