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AFter reading all of the above mentioned comments regarding JC Penney, I join the forces of reporting them to the BBB. This is ridiculous! My mother, 87 years of age, with physical disabilities was denied a return. She has been a loyal customer for over 60 years. This is the only store that she is able to get to that has nicer clothing for her. She has never spent more than $150.00 any one month. She keeps every blasted receipt, and always has the receipt when she goes in to exchange or return an item. She was denied a return, refused a "due bill"; thus, closed out her account. Now, she received a letter from JC Penney telling her that she still owes the amount of $90.00, but they deny her the right to return /exchange the items! They also offered her the chance to reapply for a credit card in the future! Not ever going to happen! This is ultimate fraud on the company's part! (Also, when I called the Retail Equation, tried to ask for supervisors, and was spoke to / treated very rudely.)