Aqua Finance, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 32506	Web	Servicemember
We got the loan in XX/XX/XXXX. Immediately after, I was rushed into emergency XXXX and suffered multiple complications post-op. I reached out to the company, and spoke with XXXX XXXX, who I asked for payment arrangements due to my XXXX-related medical situation and time off work. I again reached out in XXXX, relaying I needed payment arrangements/accomodations due to my medical situation and was offered the option to pay in XXXX separate payments -- but they stated they could not offer any kind of extension or deferment. On XX/XX/XXXX, I was admitted for a 30 day inpatient hospital stay -- at which point, my husband took over handling the account. On XX/XX/XXXX, he made another payment, and noticed an alert in my email on XX/XX/XXXX regarding a scheduled automatic payment. He called Aqua Finance at that point to dispute the upcoming transaction, as he'd already made a payment. On XX/XX/XXXX, Aqua Finance reported us as 30 days late to all 3 major credit bureaus. Since I was in the hospital, I did not know this or start disputing it until after XX/XX/XXXX. In the summer of XXXX, Aqua Finance passed our information onto XXXX XXXX of XXXX ( a recovery service or debt collection agency ), and XXXX XXXX began harassing us and multiple family members -- from as early as XXXX XXXX to as late as XXXX XXXX -- daily -- multiple times daily. She also called our family members and told them of our current account status as being delinquent. On XX/XX/XXXX, after multiple attempts, we voluntarily surrendered the property. Nonetheless, I continued speaking to various supervisors and account reps at Aqua Finance in an effort to resolve our account status situation. One of the last supervisors I spoke to, XXXX, was completely oblivious and unaware of the CARES ACT -- it's purposes, limitations and uses -- and stated he didn't care if I had had medical emergencies related to COVID that caused me to lose my job -- I still should have been paying the account as I'd agreed to in the beginning. I also spoke with XXXX XXXX. I filed a complaint with the CFPB related to Aqua Finance 's blatant misuse of credit reporting platforms, their inability to follow laws related to the CARES ACT, the failure to provide payment arrangements and/or accomodations, and their continued inaccurate reporting. After nearly 8 weeks, they responded that they reviewed the recordings and that I never mentioned medical situations, nor did their 3rd party collection agency harass me and break CFPB, CFRA, or CFDPA regulations and statutes. On XX/XX/XXXX, I emailed XXXX XXXX and asked for information related to my account including a statement of account history, accounting, all credits and fees added to the account, the entire process of how they report to the credit bureaus, etc... all in response to her email stating they'd received a copy of my complaint and she wanted to make sure I understood how credit works. Nonetheless, no response was ever returned to my email or my usps request for the information. The company refuses to be upright, honest and transparent in their dealings with the account credits, transactional history, and reporting. On the contrary, the company continues to maliciously report false information pertaining to our account. Not only is this information false, but it. is wholly inaccurate and overall inconsistent in the way they are reporting. They have reported as open to XXXX, with a balance due of {$14000.00} -- with an involuntary REPO in XXXX for both me and my husband. They have reported a balance of {$14000.00} with a closed account to XXXX for both my husband and I ; and closed, involuntary repo in XXXX, 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX, with a balance of {$14000.00} for me, but a {$0.00} balance due for my husband. A company that is this CONSISTENTLY inconsistent and scattered with their reporting can not possibly accurately keep track of an account -- much less perform data review of ALL recordings and interactions. Not to mention the fact that I have requested copies of all account transactions, recordings, reporting, and the company has refused on numerous occasions to provide any or all of the information. Additionally, when I've asked for a detailed transaction report listing each credit and debit on the account, they have failed to provide such -- namely, when did the property sell at auction, and when did they credit the account with the service warranty contract refund.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32506	Web	Servicemember
We got the loan in XX/XX/XXXX. Immediately after, I was rushed into emergency XXXX and suffered multiple complications post-op. I reached out to the company, and spoke with XXXX XXXX, who I asked for payment arrangements due to my XXXX medical situation and time off work. I again reached out in XXXX, relaying I needed payment arrangements/accomodations due to my medical situation and was offered the option to pay in XXXX separate payments -- but they stated they could not offer any kind of extension or deferment. On XX/XX/XXXX, I was admitted for a 30 day inpatient hospital stay -- at which point, my husband took over handling the account. On XX/XX/XXXX, he made another payment, and noticed an alert in my email on XX/XX/XXXX regarding a scheduled automatic payment. He called Aqua Finance at that point to dispute the upcoming transaction, as he'd already made a payment. On XX/XX/XXXX, Aqua Finance reported us as 30 days late to all XXXX major credit bureaus. Since I was in the hospital, I did not know this or start disputing it until after XX/XX/XXXX. In the summer of XXXX, Aqua Finance passed our information onto XXXX XXXX of XXXX ( a recovery service or debt collection agency ), and XXXX XXXX began harassing us and multiple family members -- from as early as XXXX XXXX to as late as XXXX XXXX -- daily -- multiple times daily. She also called our family members and told them of our current account status as being delinquent. On XX/XX/XXXX, after multiple attempts, we voluntarily surrendered the property. Nonetheless, I continued speaking to various supervisors and account reps at Aqua Finance in an effort to resolve our account status situation. XXXX of the last supervisors I spoke to, XXXX, was completely oblivious and unaware of the CARES ACT -- it's purposes, limitations and uses -- and stated he didn't care if I had had medical emergencies related to COVID that caused me to lose my job -- I still should have been paying the account as I'd agreed to in the beginning. I also spoke with XXXX XXXX. I filed a complaint with the CFPB related to Aqua Finance 's blatant misuse of credit reporting platforms, their inability to follow laws related to the CARES ACT, the failure to provide payment arrangements and/or accomodations, and their continued inaccurate reporting. After nearly XXXX weeks, they responded that they reviewed the recordings and that I never mentioned medical situations, nor did their XXXX party collection agency harass me and break CFPB, FCRA, or FCDPA regulations and statutes. On XX/XX/XXXX, I emailed XXXX XXXX and asked for information related to my account including a statement of account history, accounting, all credits and fees added to the account, the entire process of how they report to the credit bureaus, etc... all in response to her email stating they'd received a copy of my complaint and she wanted to make sure I understood how credit works. Nonetheless, no response was ever returned to my email or my usps request for the information. The company refuses to be upright, honest and transparent in their dealings with the account credits, transactional history, and reporting. On the contrary, the company continues to maliciously report false information pertaining to our account. Not only is this information false, but it. is wholly inaccurate and overall inconsistent in the way they are reporting. They have reported as open to XXXX, with a balance due of {$14000.00} -- with an involuntary REPO in XXXX for both me and my husband. They have reported a balance of {$14000.00} with a closed account to XXXX for both my husband and I ; and closed, involuntary repo in XXXX, 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX, with a balance of {$14000.00} for me, but a {$0.00} balance due for my husband. A company that is this CONSISTENTLY inconsistent and scattered with their reporting can not possibly accurately keep track of an account -- much less perform data review of ALL recordings and interactions. Not to mention the fact that I have requested copies of all account transactions, recordings, reporting, and the company has refused on numerous occasions to provide any or all of the information. Additionally, when I've asked for a detailed transaction report listing each credit and debit on the account, they have failed to provide such -- namely, when did the property sell at auction, and when did they credit the account with the service warranty contract refund.
03/02/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90806	Web
On XX/XX/2018 I applied, signed and was approved for a loan with Aqua Finance Inc. The amount that I was approved for was {$13000.00}, This is the amount that should have been relinquished to myself and is also reporting on my credit report. This amount ( {$13000.00} ) was supposed to have gone directly to a plumbing company that was remodeling my bathroom. After really going through all the fine print of my contract/loan documents, there are no stipulations for any hidden fees. Basically {$13000.00} no additional fees hidden charges ( on my signed contract ). On my contract with the plumbing company who did the remodel for my bathroom, it states ; total cost {$13000.00} with a deposit of {$1300.00} and the balance of {$11000.00} paid from my loan with aqua finance. Very basic black and white. The problem however is, {$13000.00} the amount that was finance to me went directly to the plumbing company. This company was to have received the $ XXXX that i was approved for. So now they got the {$13000.00} in addition to my deposit of {$1300.00}. {$1300.00} should have been returned to me from the deposit however none of the companies involved is willing to get me back my {$1300.00} or rectify this blatant breach of contract and failure to disclose hidden fees which constitutes as fraud from my perspective. When i reached out to the plumbing company their explanation was that they only received {$11000.00} from Aqua Finance and with my {$1300.00} deposit totals the {$13000.00} which was owed to them for services rendered. When i reached out to aqua several of times, they said that i would have to get my deposit back for the plumbing company and that there is nothing they can do. My realtor was kind enough to help me with mediating a resolution to which the aqua finance representative disclosed the following information. I, XXXX XXXX was approved for the {$13000.00} that is what i was financed. They disclosed that they only released {$11000.00} to the plumbing company. The representative also stated that the plumbing company was charged a {$1300.00} promotion fee by aqua finance. The rep stated that the charge was an agreement that was between the finance and plumbing company and nothing to do with me and should not have affected me and for that reason the plumbing company should not be charging me the {$1300.00} to make up for the promotion fee. I even tried to email the ceo and no one has gotten back to me. Aqua finance said that they would call the plumbing company to clarify their agreement so that the {$1300.00} would be returned to me. NO one ever called back, i even called to follow up and they said that they are still waiting on a return call. the last time i spoke to them they argued with me that there is nothing they can do, will do and that i need to take it up with the plumbing company. From the information that i have gathered, Aqua finance inc failed to disclosed finance charges or additional fees such as the {$1300.00}. Also, if my finance amount was {$13000.00} then {$13000.00} should have gone directly to the plumbing company. Any outstanding bills or charges that were due to Aqua by the plumbing company should have been paid by the plumbing company, not my loan. By Aqua finance only releasing {$11000.00} and fraudulently retaining {$1300.00} for their personal ventures without my knowledge or consent should be subject to investigation for corruption, theft and integrity and fraud. There should be severe consequences and penalties for their poor business practices. I also feel that i should be compensated for all the distress that has been brought onto me from this in addition to my {$1300.00}. Please help me. thank you for your consideration.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	SC 29732	Web
I'm a XXXX XXXX XXXX on XXXX. I had XXXX on my left XXXX in XX/XX/2018. I was home alone and had fallen three times and had a XX/XX/XXXX on. I hired a guy from XX/XX/XXXX XX/XX/XXXX to put handicap bars in my bathroom tubs. He came and as he was leaving the pain was unbearable so I took a pain pill. The guy left and a man walked up and I asked him if I could help him he said he was here to sell me a walk in tub. He claimed to be an employee of XXXX XXXX XX/XX/XXXX of XXXX XXXX, SC. I asked him how much he said {$20000.00}. He came in and gave his speech and I figured he would figure that I had no money and just leave. I was wrong. He placed a phone call to the finance company and he said no interest for six months and a payment of {$240.00}. He asked if I could afford it and wrote a contract. I was again in a cast and told him about falling and that I was on pain medication. The tub which I couldn't use was installed unprofessional. It was leaking from the valve on the outside. They finally got it fixed. I couldn't use the whirlpool part until my cast was removed months later. I had a short pain medication supply and The paperwork I kept reading but couldn't barely read it and the paper credit card was typed out as the XXXX XXXX XX/XX/XXXX XX/XX/XXXX. I found a number and called XXXX XXXX who financed the {$20000.00}. The lady I spoke with during the no interest period said there was no lien but she could get one if need be but no interest. I asked about payment and she had a big pause I said {$240.00}? She said yes. Still nothing in writing. I took the paperwork later to my bankruptsy attorney and he looked at the terms. There was no way on XXXX and debt to income ratio that I shouldn't have been approved. I had no choice but to file Chapter XXXX. I had a credit score around 730 before the account. I did file with the SC US court Chapter XXXX. My payment on mainly expenses and attorney fees that I wasn't aware of on the back end was XXXX per month. It has been a terrible year and mainly in nsf and overdraft and having to get food from resources. The main issue is XXXX never filed a claim with the court and the trustee said they were notified as was XXXX XXXX XXXX and it was to late to file. When I pulled my credit report 3 annual free it listed XXXX and the others but it did not list XXXX in chapter XXXX. I have called XXXX XXXX and XXXX but heard from no one but one lady from XXXX who said another department was handling the bankruptcy part. I have filed disputes with each creditor and my attorneys office paralegal said don't pay attention until it is over and then pull credit reports due to inaccurate reports. I have also filed a dispute with the BBB on both XXXX and XXXX whom has numerous complaints for the same deceptive practices. I still think they knew about the XXXX and pain medication. Also XXXX never got a permit and a protective device when you have electricity and water wasn't installed nor was the breaker changed. No electric inspection and a worker went under the house connected the pipes and electrical to some unknown means. I know I have forwarded information that you probably can't use and if I need to just finish the Ch. XXXX and see if they try to get a lien or something since my account shows pays as agreed. One more note I received a bill which I am trying to re find it was for XXXX the first and only one was over {$600.00}.
08/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CO 809XX	Web	Servicemember
We purchased an RV with a loan thru AQUA FINANCE in XX/XX/XXXX. Shortly after, I had an emergency XXXX, but I still made my ( XXXX ) XXXX payment. In XXXX, I knew I was about to have to go for a 30 day XXXX XXXX stay -- I reached out to XXXX, requesting payment accommodations, as my medical problems were the direct result of a COVID illness. XXXX refused to make any accommodations, deferments or alternate payment arrangements. I made my XXXX payment -- and XXXX was not due until XX/XX/XXXX. Upon my release from the XXXXl on XX/XX/XXXX, I noticed my XXXX payment had been marked 30 days late w/ credit reporting. I reached out to XXXX, and still, no options were available and they communicated they would not correct the status with the credit bureaus. I eventually lost my job, resorted to pleading with XXXX, and they continued to report my payments as late -- each month being late while still refusing to correct XXXX 's reporting. By XXXX, they had hired XXXX to collect on the debt from us -- who contacted us multiple times daily, beginning at XXXX XXXX and not ending until XXXX XXXX most days. I communicated with XXXX reps we wanted to voluntarily surrender. Company reps refused to reply to messages and hung up on numerous phone calls. XXXX cont. to harass and threaten us, eventually calling family members not listed on the loan ( mother, father, son, siblings ) -- communicating our debt obligations/status. Again, we communicated that we wanted to voluntarily surrender. AQUA FINANCE finally took possession of the vehicle on XX/XX/XXXX. Although the account is supposed to be closed and they have taken possession of the property, they are STILL reporting the loan as LATE... They are still tacking on interest charges and late penalties. Telling us that they will continue to report the debt as LATE until we pay it in full. They took the property and have refused to tell us where it is located or what ( if any ) repairs are being made and by whom. They have not given us the opportunity to repair the property before hand, nor are they communicating with us regarding the status of the auction/repairs. Reps I have made contact with transfer me to a different department each time I call if they don't just outright hang up on me once they realize I'm not going to make a payment and instead, I'm requesting a correction to the account. The company is in violation of the most basic consumer protection rights. How can we still continue to be reported as LATE when the company has taken possession of the property? Furthermore, how/why did the company fail to request a refund for the remaining Warranty Service Contract fees ( should have been close to {$3700.00} refund ). XX/XX/XXXX, I would NEVER recommend anyone doing business with this company. They do not care about consumers. They are not educated in any of the CARES ACT or consumer protection statues and regulations. They will not hesitate to call family members and your place of employment if you default and they refuse to make any sort of accommodations or account corrections when asked.
03/25/2019	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33032	Web
On XX/XX/2016 we bought XXXX XXXX XXXX to purify our household water and our drinking water. With the notion, that the system will take out all impurities out of our water. After 3-4 months from the date of installation we started noticing a yellow, orange, red, and greenish color substance in our showers, toilets, and sinks. So we called the sales person over 50 times and he did not answer. Finally, we got in touch with the main office and the manager called us back. He came to the house, we showed him the problems. He took samples, and they were inconclusive. Then we called again, spoke to another manager, he came out same thing. Then they sent a tech out, the tech informed me that the reading should be under 10 because it is a new water system, when he did the test, there was no difference between the city water coming into the house and the water coming out of the system, which I saw with my own two eyes because he was showing me the reading. After he saw the readings he tried to change his story so we called the main office and spoke to the main guy in California. After a heated debate we left off on that he was going to figure out an alternative option something like switching out the machine for another one and we hung up. Working 7 days a week, months and months went by but nothing was done. We didnt receive not one call or come to any solution. I got sick, my XXXX XXXX was as big as my XXXX XXXX. My doctor asked what I was drinking and eating because it could be a XXXX XXXX. So after doing a XXXX & XXXX they still couldnt figure out what was wrong. So I stopped drinking the water and cut off the payment that was being directly withdrawn from my bank account for almost two years. Ironically, my health got better yet my level of stress with this company got higher. Thats when they started calling us. We explained the situation they told us they would get back to us within 48 hours and nobody called us back. They sold our account to a collector who demanded payment. We explained to them the situation they said they would call us in 24-72 hours and no one called us back. A few months ago they called us again. We explained to them the situation again this time they even confirmed the notes on the account & said they never received one single payment. Which is a lie because we have bank statements to prove it. We even told them to come get their machine and they said that it would be a good idea to come get it and yet again NOTHING was done. Forcing me to pay for something that doesnt work is not right. They also stated every time that we were on a recorded line so they should be able to confirm the same thing I am stating. They even said they have a lot of notes on the account and even said they had everything documented yet nobody did ANYTHING to help fix the problem. We are still waiting for their phone call. I went to buy something the other day and noticed they are hurting our credit and I dont know if to get legal counsel and file a law suit therefore I am here begging you for your HELP.
09/04/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33032	Web
On XX/XX/2016 we bought XXXX water system to purify our household water and our drinking water. With the notion, that the system will take out all impurities out of our water. After 3-4 months from the date of installation we started noticing a yellow, orange, red, and greenish color substance in our showers, toilets, and sinks. So we called the sales person over 50 times and he did not answer. Finally, we got in touch with the main office and the manager called us back. He came to the house, we showed him the problems. He took samples, and they were inconclusive. Then we called again, spoke to another manager, he came out same thing. Then they sent a tech out, the tech informed me that the reading should be under 10 because it is a new water system, when he did the test, there was no difference between the city water coming into the house and the water coming out of the system, which I saw with my own two eyes because he was showing me the reading. After he saw the readings he tried to change his story so we called the main office and spoke to the main guy in California. After a heated debate we left off on that he was going to figure out an alternative option something like switching out the machine for another one and we hung up. Working 7 days a week, months and months went by but nothing was done. We didnt receive not one call or come to any solution. I got sick, my XXXX XXXX was as big as my XXXX XXXX. My doctor asked what I was drinking and eating because it could be a XXXX XXXX. So after doing a XXXX & XXXX they still couldnt figure out what was wrong. So I stopped drinking the water and cut off the payment that was being directly withdrawn from my bank account for almost two years. Ironically, my health got better yet my level of XXXX with this company got higher. Thats when they started calling us. We explained the situation they told us they would get back to us within 48 hours and nobody called us back. They sold our account to a collector who demanded payment. We explained to them the situation they said they would call us in 24-72 hours and no one called us back. A few months ago they called us again. We explained to them the situation again this time they even confirmed the notes on the account & said they never received one single payment. Which is a lie because we have bank statements to prove it. We even told them to come get their machine and they said that it would be a good idea to come get it and yet again NOTHING was done. Forcing me to pay for something that doesnt work is not right. They also stated every time that we were on a recorded line so they should be able to confirm the same thing I am stating. They even said they have a lot of notes on the account and even said they had everything documented yet nobody did ANYTHING to help fix the problem. We are still waiting for their phone call. I went to buy something the other day and noticed they are hurting our credit and I dont know if to get legal counsel and file a law suit therefore I am here begging you for your HELP.
07/01/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32720	Web	Servicemember
XX/XX/XXXX I purchased what was supposed to be an XXXX Solar AC System. Within two months I found out that I had been scammed. I also found out that the company was not licenced to do solar ac systems. I then found out that there " in house '' notary had signed my name to several documents and has been found quilty by the FL Gov. Office for doing so. I then found out that a loan had been taken out in my name by someone. The loan was for the price of the " solar '' ac system XXXX with a company named Aqua Fin. I have told Aqua everything and provided documents to them in regards to the fraud and scam. when I received my first statement from Aqua Fin. I called and asked them to send me documents that I had signed due to the fact that I 've never applied for a load with them. They never sent me anything. I 've never paid on this loan and Aqua has placed it on my credit record and now I sold my home in XXXX XXXX and they had placed a lien for a " water treatment system ''. when the title company told me about the lien for a " water treatment system '' I told them I 've never had one in my home. So when the title company calls Aqua Fin. to find out what its about they told them it was for a " water treatment system ''. After the title company talked with me and i told them that I know of a company named Aqua fin. but I never had a water treatment system. I told the title company about the scam and fraud. The title company told Aqua Fin. about the " Solar AC System '' and by XXXX the next day Aqua Fin. had place another lien for the " XXXX XXXX AC system ''. I 've never had a XXXX Solar AC system in my home. The equipment that was installed I found out was just a regular XXXX AC system. And the " Solar '' panel they installed is not approved by the state of FL and that it had been found dang. I need help in getting my XXXX back that the title company is holding and get my credit back. This has made me very sick over the past two yrs. in trying to deal with this. I 've been in the hosp. over 15 times in XX/XX/XXXX due to XXXX. I have the Attorney Gen. Office of FL working on this scamm, along with working with the XXXX XXXX. PD in placing charges against several people that have been involved. It 's not right that Aqua Fin. took up business with XXXX XXXX and they got ripped off. I do belive that Aqua Fin. knew about the scam and got in on it to make money. it 's not fair to that I have to pay for a loan that I did n't take out. I have no papers showing that I did so. Please help me .... i do n't have the money to hire an attorney to help me .... attorneys want XXXX just to start to work on the case. I do n't have it and the XXXX is all the money I have and ca n't lose any of it. Please help me if you can. If you look online you can see just what kind of company Aqua Fin. is. Also if you look at my payment history on any of " my loans '' you will see that I pay them. My credit has dropped into XXXX when it was at XXXX.
04/05/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43725	Web	Older American
We were scammed by a contracting company in XX/XX/XXXX for services not received and unsafe/poor workmanship ( XXXX XXXX ). They financed through their lending partner, Aqua Finance. We were never provided a contract stating terms, APR, loan term. We signed nothing with them. They claim the contractors contract with us was also a binding loan contract with them yet nothing is mentioned in that contract regarding a loan or terms of any sort and this was not stated to us by XXXX XXXX which we would not have accepted. Also, only I signed the contractors contract, not my husband. Aqua Finance also placed a lien on our home which we found out on our own and the only reason we continue making payments. We purchased this home XX/XX/XXXX. We were conned by XXXX XXXX for the incomplete work and our loan was for {$34000.00}. We have made 25 payments to Aqua Finance, and to date, our bill is still {$34000.00}. Monthly payments are {$380.00}. Out of over {$9600.00} we've paid Aqua Finance, only {$270.00} has been applied to our loan. We've learned this is a 9 year loan@ XXXX XXXX daily compounded interest which was told to us verbally by Aqua Finance... again, nothing in writing. In XXXX of this year, my husband and I both contracted XXXX placing me in the hospital with a XXXX XXXX and him out of work for 4 months with no income other than social security. We paid for the month of XXXX and XXXX and explained to Aqua Finance we are working to catch up on ALL bills once my husband returns to work on XX/XX/XXXX. I've explained this twice to Aqua Finance and they rudely stated they have no record of my calls and now want proof of hardship and have threatened to foreclose on our home. I've tried reaching XXXX XXXX, the account manager, since mid XXXX and shes yet to return my calls or respond to emails. I want to make a settlement agreement as I believe we have paid well beyond the incompetent project supplied by XXXX XXXX ( the contractor ) and that XXXX XXXX should return the remaining amount of this loan to Aqua Finance. I also do not believe this to be a binding contract as we've signed nothing with loan terms and nothing with Aqua Finance. The contract with XXXX XXXX is also invalid as we both did not sign nor did they live up to their contractual agreement. We would also like to know where all of the 25 payments @ {$380.00} have gone since only {$270.00} has been applied to this loan. We are seeking your assistance in removing the remaining balance of this loan to Aqua Finance as we do not see how this can be a valid loan, and also, they are reaping our payments unlawfully, threatening to take our home, harassing us during a time of hardship and illnesses, and just plain scamming us for money we should not owe them. Over {$9000.00} unaccounted for to them. They should be in jail and put out of business. Thank you so much for your time and efforts in assisting us to resolve this nightmare.
12/03/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95815	Web
Complaint XXXX XXXX to me 55 minutes agoDetailsXX/XX/XXXXXXXX XXXX XXXX We purchased the XXXX water refiner and reverse osmosis system for our home onXX/XX/XXXX, from XXXX XXXX XXXX. We started having problems with the pipe connections outside where the system was installed, causing water leakage that was going under our home. We contacted XXXX, who sold is the unit, in XXXX of XXXX. They told us the problem might be our main drain was blocked but they would send someone out to check it. That never happened. We called three more times over the next month, leaving messages, but heard nothing back. We wanted to have a professional plumber fix the issue but our contract with XXXX stated that only their personnel could perform service in on the item and its components or our warranty would be voided. After months of dealing with this situation we began to notice the quality of our water declining. Evidence of hard water residue was in our bathtubs and sinks. We called againXX/XX/XXXX to request a service appointment and heard nothing back. Months later, XXXX sent a text with a service check reminder and we called them right away. Our appointment was confirmed for XX/XX/XXXX. When they called me days before the appointment I was informed that they would service our unit, for a charge of {$250.00}. I explained that according to our warranty, that the first year of service was free. They informed me that the year had past but I explained that we never received the service as requested during the first year. It took a bit of back and forth but after checking their records they saw I was correct and that they would come out at no charge. The appointment never happened. The day before our appointment I was contacted by XXXX who said their service guy got into an accident and could n't make it. I completely understood and we rescheduled for the next week. The day before that appointment I was called by a different employee of XXXX with the same story that their service guy just got into an accident. I clearly realized that they were lying and had no plans to service my unit. I began researching the company because the whole thing seemed suspicious to me. During my investigation I found that the water treatment specialist, XXXX XXXX, who sold us our unit was using a contractor 's license number ( CA # XXXX ) that was not registered to him. I found no evidence that he is actually licensed. That was the first count of fraud. The second was our contract of credit for XXXX XXXX was never signed by us. We only signed the contract for the water system, not for the revolving credit, which was opened without our consent. The third item is that our purchase contract is also invalid because it was never signed by management personnel at the XXXX home office as mandated. As of this date, we have paid over {$1500.00} to a company that has defrauded us on all accounts.
09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77338	Web
Aqua finance, XXXX XXXX XXXX and there investment banks are still harassing us. We sent numerous complaints to your office through the U.S. Mail and also online. Just recently we started receiving responses from Aqua but for what ever reason we could n't see what Aqua had wrote and we used different computer devices but nothing would show. We started writing your department because our complaint would n't go through when we hit submit at the end our when Aqua replied, the system for whatever reason would n't allow us to dispute. This is another tactic by Aqua using there influence to manipulate the situation. Why would we submit a complaint of harassment as many times as we have and not follow up on them makes no sense! Aqua is getting caught in all types of lies. Aqua stated that financial systems XXXX are no longer working on our account, they just admitted to another lie. If your department pulls out all the information that we sent you, there is a correspondence print out that displays conversations between Aqua, the XXXX and ourselves. Aqua clearly stated on the correspondent that they Do n't Have Anyone Working On Our Account so with there on words they are caught in a XXXX and yes we have copies plural of that correspondence print out and we can always send your department another copy! Aqua wo n't even address the conversation involving the print out, they only address the pictures thinking they can explain there work vehicles constantly being around us XXXX following us XXXX. Aqua in there arrogance has forgotten that they told the XXXX that they do n't have any representatives in our region, once again another lie! If your department reviews our complaints and the evidence that we have sent you, this a clear case of felony harassment. Aqua also told the XXXX that they do n't deal in real eastate or mortgages and that they never have and they never will. Well I guess I can see the future, because if your department checks there web sit you will see that Aqua is in real estate, mortgages, car loans, business loans and even personal loans. In my opinion this makes them a much stronger company to harass people because they a lot of influence. We can send your department another print out of there conversation with the XXXX that proves that they are liars and are very crooked companies. Ever since we have been sending your office complaints, it has yeilded significant results, we have also sent the Texas ago at least XXXX written complaints over the last 4yrs. We appreciate all your help and if this has to go to court your departments wo n't be forgotten when talk to the media. A lot of lives have been ruined by these thugs and it 's time to, bring them and there collegues to justice. No one is above the law, we do n't care how much money or influence you have!
04/30/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60543	Web
I bought my home in XX/XX/XXXX, shortly after I received a notice in the mail that I had a package. So I was thinking that maybe a package was trying to be delivered that I missed. So I called the number and found out that it was regarding a water softener. The sales man came out like the end of XXXX beginning of XXXX, went over his sales pitch and showed me how bad my water was and how if I get their water softener all the benefits that come with it. He then start asking me how much we pay for drinking water, dishwashing liquid, hand soap, filters for the refrigerator, and laundry detergent. It came out to like {$110.00} a month. He then said we can cut that in half {$54.00} and give you free dishwashing liquid, shampoo. hand soap, and laundry detergent. He ended it with you'l pay {$54.00} a month for 5 years, and I had 3 months to start paying, in which my first payment, would be due XX/XX/XXXX. He just needed to do a credit check and send an installer out. Awesome right, wrong! The installer came out, he had to drill holes in the wall, unbeknownst to me a that was never mentioned. Then the water was soft the first 3 months, now it's feeling hard again even after we bought bags of salt from XXXX. With our ice maker on the refrigerator he pointed out you see all this white residue was the chlorine that's in the water prior to the installation of the water softener, however after the water softener it's still a white residue, so pretty much nothing changed. Here 's what brings me to my complaint today.I feel like I was GOT, this was a gimmick. I look at my credit report often since I'm a victim to identity theft. I noticed that Aqua finance is on my credit report, reporting the product at {$46000.00} and the balance that's due today is {$4400.00}. If you take the {$54.00} I was told that was due each month and multiply that by 5 months that's come up to {$270.00}, right, wrong. For every payment I make for {$54.00} {$37.00} goes to interest, in which that was never discussed. So out of my {$54.00} only {$16.00} is going to the premium. Since it was a loan, I figured it was like you going to The XXXX XXXX or XXXX, where you get a piece of furniture and all the finance charges are included in that monthly fee. Well I called the customer service number on Thursday and basically the rep was like yes the interest is like {$1.00} a day. Now come on do you think I would've got myself in debt like this, I'm very smart when it comes to my money, I just don't spend it carelessly. Now the sales man lied to me and keep in mind I didn't receive my first bill until XXXX by that time it's too late to return the waters softener because you only had like 3 days to do that after installation. This company is a rip off and they need to be shut down.
05/16/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30238	Web	Servicemember
In XX/XX/2019 I had a water purification system demonstration performed at my house by a awesome rep named XXXX. I was convinced after all the testing to get a system installed. I was so convinced I wanted to get one for my mom who is a XXXX XXXX military vet. I was told by someone at XXXX who called to verify my information, that in order to get both water systems that we ( myself and XXXX ) need to tell the finance company ( Aqua Finance ) that the way my house was designed, I needed two systems. When Aqua called they didnt bring up the issue of 2 systems. I had my system installed and scheduled the demonstration for my mom. She had to reschedule the demonstration due to doctors appointments. She was notified during this time that she had to have XXXX immediately. After further thought, my mom decided not to have they system installed because extra funds were going to be needed for her care. I contacted XXXX to advise them that we were not going to get the 2nd system installed at my moms. I was told that my 3 days had passed and there was nothing that could be done because the finance company wasnt going to make any adjustments. I contacted Aqua Finance who stated they couldnt resend the contract but XXXX can call them and make an adjustment to my account. XXXX refused. They actually became very nasty. I was told that they could drop the system off and I could try to sell it to get my {$8000.00} back. They said that IF they made any adjustments I would have to pay the fees associated. I said ok, how much are the fees, she said at least {$4000.00}. I laughed and asked why would I have to pay {$4000.00}? She said because commissions were already paid and fees were already paid to the finance company. I said it would be like any other company that makes returns/adjustments to commission checks and financing companies and I refused to accept that offer. We argued for weeks over this. When I said I was going to contact Aqua Finance and dispute the amount with them, I was told that I would be jeopardizing my financing and that Aqua could void the entire contract then the {$15000.00} would become due immediately and they ( XXXX ) would be calling me for a check or credit card for the full balance! What makes this situation even worse is the scare tactics they tried to use. I have made my payments to keep the account current until this issue is resolved. I was also told that I received extra discounts on my system because I was getting 2. I advised that the extra discounts went to the second system because they gave my mom a senior discount and military discount. My system had its own discounts. I will also be making a CFPB complaint, FTC complaint, AG complaint. They have also violated the FDCPA!
08/11/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77338	Web
This is actually a dispute complaint to respond to Aqua finance 's response to our latest complaint against them and there colleagues. Aqua finance in there response stated that they are glad I sent pictures, they did n't expound on which pictures and if they are referring to there work trucks you can clearly see there trucks have tx plates. XXXX was using there work trucks to follow me down XXXX just about every day and also when I would leave XXXX driving on XXXX. It seems funny that XXXX is discussing some of the pictures but what about the correspondence between them ( Aqua finance ) and the XXXX that I sent your department? The correspondence clearly shows that Aqua finance like a lot big companies when they get cornered they will lie! Aqua told the XXXX that they do n't have any other company working on our account, that was a lie and if your department have been reading our update complaints you know from reading the documentation that after numerous complaints submitted to the XXXX Aqua finance finally admitted to having a 3rd party company working on our account by the name of XXXX XXXX. Aqua finance also stated to the XXXX that they do n't work in real estate and that they never have and they never will. Another lie if your department reviews there web site you will see not only is Aqua finance involved in real estate, but they are also involved in mortgages, car loans, and personal loans. This is just a short list of Aqua 's business ventures. Aqua has clearly been caught in several lies and it 's on paper! This company and there colleagues have been felony harassing my family for over 4yrs. Aqua illegally sued us without our knowledge and have been trying to force us out of our home for the last 4yrs. We even tried to pay these crooks 3yrs ago and finicial systems of greenbay told us they do n't do written contracts. Finicial systems of greenbay told us they only do verbal contracts and we knew that was n't right. They had 1 of there XXXX ( agents ) damage our sons car so I called the police and I told the officer what has been going on. The officer told me not to pay them because without a contract we have no proof that we have been paying them. I also came to the realization that there ca n't be a contract because the case is supposed to be closed! Once again these companies are caught using illegal practices. Aqua has almost XXXX XXXX complaints that have been submitted against there company and there affiliates. All these victims saying the same thing ca n't be lying. The next time we talk to Aqua will be in court with our lawyer, along with the media and as many of aqua 's victims as we can find to come forward to give there testimonies!
05/11/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 061XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AQUA FINANCE XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
06/30/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28540	Web
I had to make a late payment, so I called and asked if I could make a double payment for {$290.00} after I got my check on XX/XX/XXXX or XXXX. I told him I get paid on the XXXX but sometimes it doesn't clear until the next day so I would pay by Saturday the XXXX at the latest. He said something at the end of the call that made me say, Sir I do not want an automatic payment t set up. XXXX XXXX is funny, and because sometimes my check clears later that night or the next day if you take that payment out in the morning or before my check clears they will charge me an overdraft fee. I EXPLICITLY said I do not want an automatic payment set up and told him why. He said this isn't an automatic payment you can just go online and pay it like you usually do. So they did an automatic payment on the XXXX anyway before the end of the business day. My check had not cleared yet, so my bank emailed me about the transaction. I called them, they said they could not stop the payment, but that if I showed them the transaction and negative balance, and showed them the overdraft fee they could reimburse me the overdraft fee. That was fine. Then XXXX called back and said that a supervisor had reviewed the call and that the payment was agreed upon. That is a bold face lie. I EXPLICITLY said in exact words that I DO NOT WANT AN AUTOMATIC PAYMENT SET UP and told him why, and he definitely replied with, It isn't an automatic payment ... .etc. so I asked XXXX to let me speak to someone who would review the call on the phone with me and then tell me I agreed to it. She put me on hold, came back and said she couldn't get a supervisor because she works from home and the people that review the calls work in the office. Then at the end of the call she said, " Yes ma'am, I'll do that tomorrow as soon as I come into the office. '' So she lied to. I want Then to review that call with someone in the FTC and then explain why they are doing what their customers EXPLICITLY ask them not to do, taking payment without and consent after they were expressly told they DID NOT have my permission to do so. Then they can explain why they lied and said I did agree to it so they didn't have to give me back the {$35.00} extra they cost me by doing what I told them they did not have my permission to do. I could have stopped the payment through my bank but it would have e cost me {$31.00} to do that and the overdraft fee was about the same, I had to make the payment anyway so I did not do that. But what they did, and lying about that and other things is unethical and fraudulent.
07/06/2019	No	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30058	Web	Older American, Servicemember
On or about XX/XX/2019, I submitted a boat application to XXXX XXXX XXXX XXXX for a " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX ( Standard Package ) for one primary applicant. On XX/XX/2019, I received a call from XXXX of XXXX XXXX stating that my application had been approved by Aqua Finance for about {$27000.00}. The advertised base price of the boat I wanted was {$25000.00}. However, after visiting several XXXX XXXX/XXXX XXXX XXXX, the same boat listed was for significantly more than my approved loan amount. I, subsequently contacted XXXX of XXXX XXXX and asked for a reconsideration of my loan for {$34000.00} because I couldn't find a boat for the original amount of {$27000.00}. I was told in order to qualify for a higher amount that my wife had to be included to my application with her income being verified. I declined to add my wife to the application. And that I like to retain my initial loan approval. I never submitted a separate loan application with my wife included. The next day I was told by XXXX ( XXXX XXXX ) that Aqua Finance had rescinded my initial loan approval because I had not provided proof of income. How can this be? I had already provided all requested information initially and I WAS ALREADY APPROVED! On XX/XX/2019, I contacted Aqua Finance to find out the reason for my initial loan approval had been rescinded. I spoke with XXXX and was later transferred to speak with XXXX. The only information they would provide was that my applications had been denied for lack of income verification. I then asked what was the income thresholds for a {$27000.00} loan? They didn't known the answer or they refused to tell me. How could you rescind a loan that has already been approved and in effect for about a month and then later claim that income was not sufficient or had not been provided? What changed since the initial approval until now? The only change was when I refused to apply for a joint account with my wife for a higher loan amount. Regulation B, the implementing regulation for the Equal Credit Opportunity Act. Section 202.7 ( d ) External Link of Regulation B generally provides that a creditor shall not require the signature of an applicant 's spouse who is not a joint applicant on any credit instrument if the applicant qualifies on his or her own. I believe that I have been discriminated against based on the above citation ( marital status ), because I refused to reapply for an already approved loan with my wife. Thereby changing my initial one person application to a joint application.
03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 61604	Web
I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of me
08/06/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77338	Web
Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!
01/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	FL 33579	Web
XXXX XXXX XXXX XXXX monthly billing statement, the consumer has the right to the following : " Your rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all the following must be true : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address, and the purchase price must have been more than {$XXXX} ( these limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services ) ; ( b ) you must have used your credit card for the purchase; and ( c ) you must not yet have fully paid for the purchase. If all of the criteria are met and you are still dissatisfied with the purchase, contact us in writing at the address listed on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent ''. I reached out to XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX stating that I was not happy with the credit card purchase since learning the company that sold me the soft water treatment tank that is being financial by XXXX XXXX XXXX. The company XXXX XXXX XXXX was not authorized to sell XXXX XXXX XXXX XXXX as they was fired as an authorize seller due to fraud. The XXXX XXXX XXXX XXXX that was installed was installed incorrectly and was not properly working from XXXX until I leaned of the issue in XX/XX/XXXX. Furthermore, XXXX XXXX XXXX did not fully disclose the finance company nor allow me the opportunity to find other financing. This company received unlawful kickbacks for steering customers to XXXX XXXX XXXX. I have attempted several times to contact XXXX XXXX XXXX to request the clear the remaining balance and report paid in full to ALL XXXX credit bureaus per their guidelines that is printed on each billing statement, however, they have not responded and each time I call I am mysteriously placed on hold and call drop.
11/29/2017	No	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33991	Web
This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.
04/27/2019	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 34746	Web	Servicemember
Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor Aqua Finance was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from XXXX XXXX XXXX, XXXX. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for XXXX XXXX XXXX, XXXX and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at XXXX. She informed me that they represented Aqua Finance. I told her the debt that we had with Aqua Finance was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that Aqua finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that Aqua Finance had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for XXXX XXXX XXXX, XXXX to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of XXXX XXXX XXXX, XXXX on behave of Aqua Finance, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.
12/07/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 33991	Web
This is a add on to a complaint I already put in on XXXX XXXX,2017 complaint XXXX about AQUA FINANCE, INC.. I had put in this prior complaint and was surprised and thought great customer service since I received a call the next day on XX/XX/XXXX from a " XXXX '' who was in management ( called from a unknown number ) and she apologized over and over how Aqua Finance was wrong in this whole process with me, all representatives/Managers I spoke to all stated I was late/past due and that was incorrect regarding my account, which I am very upset about if I did not know my laws and or rights then that would of been it. XXXX explained how all of this was " bad training and they will look into this '' and how she wanted to move forward with the process of loan I agreed she stated she will make notes and forward all my info to the head guy in financing and I will get a return phone call. Well go figure .... it is now 8 days later and no returned phone call or any emails etc..I have no idea if I was approved, denied, nothing! I am so frustrated with this process especially how I feel I was told I was denied original on the prior claim which is NOT correct and in my eyes a " False Statement '' from the Finance Company this is very unprofessional and agian I am highly frustrated due to now allowing them to move forward and fix the problem they have made the situation worse and once again misleading information by having someone contact me back ( after pulling my credit ) and NO ONE can communicate with me in regards to the loan process, I have no call back number for this XXXX and I do not want to even call customer service do to the prior complaint and I was mislead/lied to by all the managers ... .this is the MOST horrible experience I have been through when applying for a loan, especially frustrating that I have a existing loan which is in good standing so I have a relationship with this company already.I need to know what I can do about this i feel like I have false denial statements ( original complaint ) and now this company has pulled my credit and no phone calls back to me ... .I am ANGRY!!!!!
11/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32073	Web
My name is XXXX XXXX XXXX, I recently purchased a home at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/2021. On XX/XX/2021 I agreed to purchase a water softener system for my home from XXXX XXXX XXXX and the loan would be financed for XXXX through Aqua Finance. According to my contract, my payments were supposed to be deferred to 3 months from the date of the contract ( XX/XX/2021 ). However, I received a call from Aqua finance and they stated that my first payment was due XX/XX/2021 and that I had incurred a XXXX dollar late fee. I called them back ( XXXX ) this afternoon and Spoke with XXXX. I explained to XXXX that I would not be paying the XXXX dollar fee and he agreed to waive it as a " one time courtesy '' but refused to change my payment date to the agreed upon date according to the contract. I asked XXXX to speak with his manager. I was then connected with XXXX the manager who explained to me once again they can waive the late fee this one time as a courtesy but, the latest they could make my due date is the XXXX not the XXXX. I explained that is not what the contract says and he said we are two separate companies and his system will not allow him to change it to anything past the XXXX. I live on a budget and I have budgeted to make this payment on the XXXX of every month like it was agreed upon in the contract. I have attached the contract as well as the statement they sent me in the mail saying I owed them XXXX dollars by XX/XX/XXXX. XXXX also explained to me he can not change my due date until I pay my already " overdue '' XXXX balance and he still will not change the date to the XXXX but, just the XXXX. I personally feel like I was swindled by this company and do not recommend anyone do business with them. I have never missed a payment on anything on my credit and now even though the company says they will not report the missed payment. How can I trust them when they can not even honor a contract. I understand Aqua Finance and XXXX are different companies but, they work hand in hand together and the contract should be honored.
08/04/2020	No	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	PA 19082	Web
I was in the market to renovate my bathroom, and believed that I made the right choice at the time when selecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, NJ XXXX Ph : XXXX or XXXX a/k/a Aqua Finance to help me. It was done in XX/XX/XXXX. The problems are as follows : 1 ) I asked about the high interest rate of the loan ( $ XXXX ) ; and why did it look like my balance was not going down. This is all new to me, and I never knew they could short-change consumers with not telling the entire story ( predatory lender ). I called several times, and they alwas blew me off. UPDATE : when searching for XXXX XXXX on XXXX, it is now out of business. 2 ) Aqua Finance is the same-they also have same loan and refuses to discuss why/how the amount never seems to change although payments were being made. Again, emails sent ( on their site and they refuse to answer forthright to my concerns ). Then to my horror, in XXXX XXXX, we had to get our kitchen ceiling attended to because it looked like it was about to fall any minute. I noticed it slightly, but never knew why. The contractor who has nothing to gain in lying to me, asked me to come downstairs and he pulled out ALL of the cement/debris the contractors stashed in my ceiling! So, not only did I have to pay to repair the ceiling, but also to properly have debris properly disposed of-which was supposed to have been taken away. It was paid for in this loan. Now, to date, they refuse to address why they feel no need to care about the out-of-pocket expenses that I have to deal with through no fault of my own. They were rude and abrupt saying " we have nothing to do with it and there is nothing we can do. '' The last time I spoke with them was prior to Covid-19 pandemic, and have not made any further payments because I feel was wronged, and have no need to make this up. Solution : My relief should come by way of cutting the loan in half, including interest rate for the fraudulent/shady practices that adversely affect me to this day.
07/07/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 43068	Web	Older American, Servicemember
We obtained financing for a bathtub. Began making payments. My husband lost his job. We became delinquent in repaying our outstanding debts. We began trying to dig ourselves out of a hole but were negligent in getting back on track with this loan. We were later in the process of trying to refinance our mortgage to lower our interest rate when we discovered that the creditor had placed a XXXX lien on our home so we were not able to refinance. Since then we have attempted to come to an agreement with the creditor. They continually refer us to a third party credit collection agency. However the collection agency is not empowered to negotiate the amount, a repayment schedule or a payoff amount. They have refused to submit our offers to the original creditor unless they fit into a very narrow definition basically a full payment of the loan in one or several installments. The creditor has been charging us 21 % interest on the loan. We are unable to payoff the whole amount at this time and would not be able to cover the interest payments with a monthly payment plan. The creditor will not allow us to come to an agreement with them if we were to arrange to sell the house and would like to make arrangements for a settlement with them. I finally made contact with them but we were told that someone would return our call and contact us to discuss arrangements. No one called back. Instead they escalated the severity of our delinquency on our credit report, changed the status of the loan to in collections and have damaged our credit even more at this point. We are no longer able to obtain financing to purchase a new home. We feel like we are between a rock and a hard place. We actually need to purchase a new home that will accommodate our XXXX. But we can not do so without making arrangements to payoff this debt and improving our credit score. However, negotiations are essentially being refused. We have no leverage and they apparently have no motivation to talk wit us.
12/30/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 34787	Web
I recently requested my statement from Aqua Finance Inc. When reviewing my statement I discovered that the first six payments that I made to the company for my monthly pool payment of {$750.00} had been taken strictly towards interest. Not a single XXXX of that initial {$4500.00} went towards the principal! As I continued to review the statement I noticed that even though I have a fixed interest rate of 10.9 % the amount of interest that I was required to pay monthly varied significantly. Even though I was consistently making my payments, the amount of interest that was being collected would actually go up which doesn't make any sense because if I have a fixed interest rate and I'm making my payments monthly even if the principal is decreasing by a small amount, the amount of interest collected should always decrease and never increase. I'm not talking about small amounts either, this company takes whatever amount that they want from your payment and will keep it as interest. The math is simple, if I am paying monthly on my account that has a set interest rate my principal and amount of interest ( dollar amount ) should decrease and unless should never increase unless the interest rate changes or there is a late fee. One month the amount of interest collected was {$270.00}, the following month they took {$390.00}, the following month they took {$580.00}, and the month after that they took {$680.00}. Payments were all made on time in the amount of {$750.00} and Aqua finance Inc just arbitrarily choose to keep whatever they wanted and just disregarded the terms of the contract. Business should not be allowed to take advantage of consumers like this and it is a disgusting practice. I have emailed the company twice and I have gotten no response and I spoke with a representative and he couldn't provide answers as to why this was occuring ( although there was also a language barrier between him and I ).
06/26/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78249	Web	Servicemember
Aqua Finance open an account in my name without my consent using false information. I never authorized Aqua Finance to pull my credit nor did I sign a contract. The information listed on the contract is not correct. They listed my military rank and salary wrong on the application and I never signed the contract. I have reached out to them on several occasions to have this information remove off my credit report. I contact a XXXX XXXX on XX/XX/XXXX about my credit been pulled and she couldn't locate my account but told me to call XXXX Ext XXXX. I was told if I filed a police report this would remove the account off my report. I filed a police report Case # XXXX and sent this information over and the report is still showing on my credit causing my score to decrease. The electronic signature was not done by me and I never spoke with a representative or the person listed XXXX XXXX, about pulling my credit or trying to establish credit for me. I have been working on my credit and I wouldn't allow someone to pull just my credit. On the contract XXXX XXXX listed my military rank as an XXXX XXXX and I'm an XXXX XXXX He listed my gross salary at {$5000.00} which is also incorrect. I would never claim to be of rank that I haven't earned in the military that's a frown on my Integrity. Also, I joined the military XX/XX/XXXX and XXXX XXXX show on this contract that I've served for 18 years. XXXX XXXX listed my husband as Retired military and gross salary XXXX. My husband has never served in the military. He's received SSI monthly. On the contract he listed him as XXXX XXXX XXXX and my husband doesn't have a middle initial. All this Information is incorrect and XXXX XXXX never spoke with me about my military career, salary or if he was authorized to pull my credit. The signature on the contract wasn't signed by me and I had no knowledge of this account until I received an alert that my credit was pulled.
10/08/2020	No	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	TX 786XX	Web
A sales person by the name of XXXX came in to our business to offer us a water filtration system called XXXX. He tested our water and said that it had XXXX causing chemicals and that we were at high risk of getting sick from it. After discussing the product for a while we decided to get it installed. He said that the total was XXXX and that the monthly payment was going to be {$90.00} a month for 6 years. He showed us a peace of paper where I had to provide my social security number to see if we qualified for additional savings. To which he then said we qualified for three free months. What we didnt know is that what he was doing was opening a credit card with Aqua Finance in the amount of XXXX. We have been paying our $ XXXX monthly bill amount for a little over a year now and just found out that we are actually paying a financing company who charges interest every month for the unpaid monthly balance. Our balance is XXXX as of XXXX which means that in this whole year we have been paying mainly interest and only about {$270.00} has gone towards the water system. The only reason we found out in because my daughter opened a bill from them and reviewed it and let us know about this issue. We were absolutely never advised that a credit card loan would be opened and that there were interest fees on top of the XXXX. My daughter checked their XXXX reviews and XXXX reviews which are filled with people complaining about being scammed by them too. They are a fraud. They lie and take advantage of the XXXX community that doesnt speak much XXXX. I called the company Aqua Finance and they told me to call the sales people at XXXX XXXX. I called XXXX XXXX on XX/XX/2020 and they advised that they cant do anything and to call Aqua Finance again. They just keep sending me back and fourth. Please help.
11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TX 77494	Web
I financed my pool with a company called XXXX XXXX. They used Aqua Financial for the funding in XX/XX/XXXX. Original amount was {$80000.00}, monthly payment of {$1000.00} for 20 years. I have been making {$1000.00} payments every month and not a XXXX has come off my principal. I am only able to go back to XXXX of XXXX since Aqua is now using a new online payment portal and they do not offer you all of you loan info. My daily interest accrual is {$30.00}. So every 31 day I accrue {$930.00}. I pay {$1000.00} on the XXXX of every month and they are not taking a XXXX off of my principal. I made an additional {$200.00} payment on XX/XX/XXXX since my monthly payment had been removed so that the {$200.00} would go towards the principal. I looked online and it said I still owed {$180.00} in interest even after my monthly payment. I called and they said my {$200.00} will first go to pay off the {$180.00} and the remaining will go to principal. So, I cancelled the payment. Also starting in XXXX they started lowering my monthly payment by {$1.00}. Started as {$1000.00} in XXXX, then {$1000.00} in XXXX, {$1000.00} in XXXX, {$1000.00} in XXXX, {$990.00} in XXXX, {$990.00} in XXXX and XXXX is the same at {$990.00}. So why would you lower my monthly due when supposedly I am not even paying enough now to cover interest. Their statements do not show principal balance. I currently show owing {$78000.00}. By the time my next bill is due I will owe {$79000.00} with interest. So in over 2 years {$1100.00} has come off of my principal. {$1000.00} of that is because they posted a payment to my principal by mistake. So technically only {$110.00} has actually came off my principal. That is less than {$4.00} a month being taken off my principal. This is not right and probably illegal.
12/19/2019	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 496XX	Web	Older American
Purchased a walk in tub in XX/XX/XXXX. In XXXX, XXXX, the heated back and hydrotherapy functions stopped working. I called for service. Between that date and XX/XX/XXXX, I called for three service calls. The final time was XX/XX/XXXX. I got no response and I sent a letter to XXXX XXXX notifying them that under the terms of the credit agreement I signed I would make no further payments until the tub was either fixed or replaced, preferably replaced. On XX/XX/XXXX, a repairman came out for another service call. On XX/XX/XXXX, someone from XXXX called demanding I set up payments by phone to cover a missed payment from a year ago as well as my XXXX payment. He proceeded to tell me that I could not withhold payments due to dissatisfaction with my tub because this was not a credit card purchase ( unlike I had been told by several other people in discussions on the phone ) and that if I didn't make this payment and a half on XX/XX/XXXX it would go against my credit and go into collections. If I refused to make payments at all because I was " unhappy with my purchase '' and it went to 120 days out, XXXX and XXXX XXXX XXXX would sue me. I had signed a secured consumer contract and was responsible ( with my husband, who I am now divorced from ) for payment. He then went in and pulled a credit report and started reading off to me all my accounts and telling me that I was paid up on all of my other accounts, and he didn't see why- if I was current on everything else- I wasn't able to catch up and pay my XXXX bill current. He even went so far as to ask 1 ) If I couldn't ask my auto loan company to wait a month so I could use the money from that to pay XXXX and 2 ) Knowing that I am now divorced
03/16/2021	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 657XX	Web
Shortly before the Covid lockdown I traded a XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX. The salesmen stated that the amount billed would XXXX out before the grace period on the account was up around XXXX I believe. I called aqua finance to confirm there was no interest accruing in the grace period so I would not be left with a balance. 4 months later I received an offer to open a credit union account with XXXX and a notice that I had an amount due. Upon research it appears that XXXX is a front for Aqua finance. I wrote to dispute and Aqua finance/ XXXX became Bay Finance, none of whom have a true debt for me. When I disputed with XXXX after erroneous posts the dispute was closed as a mistake on a closed account but they reported the same misinformation on my credit reports 3 times that same month after the bad debt was removed. Because they call me 5-10 times a day I have sent letters demanding they stop the abusive behavior to no avail and an email to them came back undeliverable to the address on their website ( Bay Finance ) .. Im at my wits end, the last item I received was a notice that they would continue to destroy my credit, and garnish my wages, take my assets etc over the account they admitted was not delinquent or open. As they have done severe damage to my good credit and harmed my reputation I believe they intend to continue this blackmail to whatever lengths they can get away with. There is no contract in my name, there is no debt to sell amongst these related companies and their deceptive reporting and aggressive calls make it clear they know they are in the wrong and are attempting to evade financial reporting laws.
07/10/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77469	Web
This loan was originally obtained when I was married. During my divorce was an account that " fell through the cracks '' and wasn't paid. This account was later disputed through a company i hired after my divorce to help fix my credit. The debt had been removed and then re-reported under a collection agency which purchased the account. While trying to refinance my home, it came to my attention ( only until then ) that a lien had been placed on my home by Aqua Finance. I never received notification of such action and per Aqua Finance a notification had been mailed through regular mail. Mail where I live doesn't always get to me and I manage that by keeping track of bills and other items electronically through email notifications. When I spoke with Aqua Finance at this time they claimed they didnt have to send anything certified or verify that i received a notification for the lien which i feel is very deceiving. A few days passed and they re-reported the debt from a XXXX balance collection account to a full balance ( {$3900.00} ) placed for collection account. I feel this is a violation of the Dodd Frank Act as it is an unfair practice of Aqua finance placing a lien on my home without properly advising me, and then taking it further re-reporting a debt to my credit days after I called them. In them re-reporting the debt with a balance as an open collection, it caused my credit to go down 86 points, which seemed to be done on purpose to aide them in collecting the debt by affecting my credit when I was trying to refinance XXXX which they knew was how I found out of the lien on a XXXX balance collection account days before )
05/08/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77338	Web
To whom it may concern, XXXX finance, XXXX XXXX of XXXX, and there investors are continuing the felony harassment of myself and my wife. Every since we sent a complaint to Consumer Finance. gov, these companies have increased there harassment again. The most significant harassment happened on yesterday ( XXXX - XXXX - XXXX ) around XXXX at krogers on XXXX next to walmart XXXX XXXX. Aqua finance had some of there XXXX try and scare us as we were leaving the store. XXXX walked by us as we were leaving the store and said in a real low voice be careful and then once we got to our car that same XXXX got into a car that was parked right next to ours. As they drove away they yelled out something that sounded like SOON. We are n't leaving our home and we will defend ourselves by any and all means. If this continues we will involve the media! Note : We recently submitted a complaint on XXXX Finance 's Rip Off web site and I seen were this company along with there investors have had almost XXXX XXXX complaints filed against them! Why are these companies still being allowed to stay in business. Why are n't these XXXX being arrested! Whenever our case ends up in court, we will reach out to other victims of Aqua finance, XXXX XXXX of XXXX, and there investors. We will get the media involved and make sure these companies get exposed for the criminals that they are! It 's XXXX 's XXXX weekend and now these companies think there going to commence there Holiday Harassment! Today XX/XX/2015 these companies XXXX are going crazy, acting like they are going to hit us wth there vehicles and run us off the road. A typical holiday weekend for us!
07/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89081	Web	Older American, Servicemember
We applied for a loan to build a pool . Aqua Finance provided us with {$40000.00} and the balance of our backyard project was paid i n Cash. Payments for the loan were set up as an automatic payment from our bank account on the XXXX of each month starting 30 days after the completion of our project. The first payment was XX/XX/XXXX . Since XXXX I have been trying to set up an online account so that I can increase our payments and pay this loan off by the end of XXXX . I was told that I would receive a bill in the mail with a code which I could use to set up my online account. Once I have this information I will be able to increase my payments and there would be no pre-payment penalty for paying off the loan early. I called in XXXX , XXXX , XXXX , XXXX and XXXX . Today I was told I will never get a statement because I pay the bill automatically. I find this unethical, as a consumer I should receive a statement no matter how my payments are made. I have no way of knowing that the payments I am making are being applied to my account and what they are applying to principle or interest. This is unacceptable. On my phone call today they offered to increase my payments. I do not want to give who ever I was talking to any more control over my payments without a bill. Apparently the billing is done by a 3rd party. They will request that I receive a bill. They do not know if I will receive a bill at the end of XXXX or maybe it will be XXXX . The customer service person did not know how long it would take to for the request to go thru.
10/22/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 462XX	Web
In XX/XX/XXXX opened a loan of {$10000.00} w/an interest rate of 12.99 % that originated with XXXX XXXX for a home improvement project. In 1 year and 7months I had paid this loan down with XXXX XXXX to {$9500.00}. That's 19 months at {$130.00} a month a total payment of {$2400.00}. XXXX XXXX then sold my loan to aqua finance in XX/XX/XXXX. From XX/XX/XXXX I have paid Aqua Finance {$130.00} for 33 months that's a total payment of {$4200.00}. My loan has gone from {$9500.00} to {$8900.00} that is a difference of {$660.00} in almost 3 years. With XXXX XXXX the interest fluctuated from $ XXXX {$100.00}. Aqua Finances interest fluctuates from $ XXXX {$130.00}. Why the big swings in interest? Why am I paying an average of {$210.00} a year towards the principle? At this rate I will never get this loan paid off. It is my belief that this company is improperly billing and manipulating numbers and this needs to be looked into. I sent this to XXXX XXXX, Examiner State of Wisconsin-DFI and Aqua Finance responded but there are discrepancies in their documentation. They claim that due to a revolving credit loan I pay a monthly payment factor of 1.25 % making my payment {$130.00} a month that is inaccurate, that was never agreed to and this was the first time I had ever heard that. They also included months of XXXX XXXX payments to increase their principle payment amount in their letter of response to the examiner. There are reviews of this happening to other customers online I am not the only one complaining about the billing practices of this company.
01/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web	Servicemember
I have called 4 times to request to have my due date changed from the 5th to the 18th. It is auto debited from my bank account each month. The first time I called, the gentleman said it would be changed and it would take 2 billing cycles to complete. When I received my statement for XXXX, it said the payment would be debited on XX/XX/XXXX. The payment was taken from my account on XX/XX/XXXX. I called and was assured it would be correct for XXXX. I received my XXXX statement and showed a due date of XX/XX/XXXX but the payment was taken from my account on XX/XX/XXXX. I called in XXXX XXXX and was assured by XXXX XXXX that it would be corrected and that when the payment was changed the first time, they only changed the due date but not my debit date for the payment. She said she corrected it and it wouldn't happen again. She also sent me a letter confirming the proper debit date. I received my statement for XXXX and it showed a due date of XX/XX/XXXX. XXXX 's payment was actually taken as agreed. I assumed everything was fine until today! My statement came showing a due date of XX/XX/XXXX and AGAIN they debited my account XXXX XX/XX/XXXX. Now, my account is overdrawn by more than {$500.00} and have been charged {$30.00} in overdraft fees. I am FURIOUS! This is the 3rd complaint I have registered with the CFPB about this HORRIBLE company. I can not understand why I am penalized for keeping my commitment to make my payments but they don't have to keep their commitment to take the payment as they agreed and NOT cause me to overdraft my account.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30012	Web	Servicemember
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX is reporting inaccurate information on my XXXX credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.
08/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 273XX	Web
So for the past XXXX years I have been paying on an auto loan ( for the purchase of my camper ) to XXXX XXXX. At the beginning, I was paying more than what was required on the bill. After some time my bill started showing {$0.00} due but I was still paying. Now XXXX years later, they say I am almost {$2500.00} behind. Come to find out that all those times I was paying extra they were applying directly to interest instead of both interest and principal. With the loan range and interest rate after XXXX years the interest is basically paid for but on my credit report they have reported I have not paid anything in over a year which is hurting my credit. I have all the records to show from them as well as on my side that I have been paying the set amount or more each month but they are not reporting that this has been paid. They are reporting I am only paying interest. My loan agreement does not say anything about any penalty or interest payment if you make more than the regular payment. Based on calculations they are incorrect on it all and I should be ahead by several months. This needs to be fixed immediately. I have spoken to them about fixing this issue as they keep calling wanting payment, when I have been paying. It clearly shows on the report they sent that I have been paying but they keep saying I haven't. You can not take someone's payment and put directly to interest and never pay down the principal. I need this fixed along with my credit immediately.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11230	Web
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32244	Web
I purchased a XXXX from XXXX & XXXX XXXX on XXXX/XXXX/XXXX. The financier was a company by the nae of Carmel Financial who approved a revolving open ended charge account. On XXXX XXXX, XXXX, I received a letter from Carmel Financial notifying me that Carmel Financial Corporation Inc has sold my account to Aqua Finance and that the account has changed to a close ended, simple interest account. Shortly after that notice, I received a second notice from Aqua Finance notifying me that my account would be sold AGAIN to a third company - where the terms and conditions of the original contractual agreement would be changed again if I did not respond within 30 days of the notification. I called the number provided and stated that I did not agree to the second sale. During this same time I began receiving collection calls from Aqua Finance about an annual {$30.00} fee? Aqua Finance has been unable to reproduce a copy of the verbiage where I agreed to pay the annual fee. Now I am receiving late fee charges on statements for not paying the fee. I have never missed a payment at this point in time. As a consumer and a banking professional - Aqua Finance has conducted their business in an unethical manner at my expense. Transferring the original debt from company to company, all while changing the terms and conditions of the original contractual agreement to benefit their bottom line at the expense of customers. I have requested their lawyers contact me.
07/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33313	Web
I recently paid off this account, so as far as I know, I do not owe anything. When I logged into the website, it still shows that my next payment is XX/XX/XXXX. It also shows that {$130.00} will be due. I asked for someone to clarify this for me on XX/XX/XXXX, but my email and concerns were completely ignored. If I owe some money, I would like to know about it. On XX/XX/XXXX, their site showed the outstanding balance was {$8300.00}. The check was for {$8300.00}. My records show I am owed {$92.00} in overages. I asked how to retrieve that additional cash, but that too was ignored? I asked them if I can have that extra mailed back to me? The tracking number for the check is XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX checked my bank account. On top of the {$92.00} of overage, it also shows they took {$130.00} from my account on XX/XX/XXXX. This brings the total amount owed to me to {$220.00}. It is disturbing that my account could be paid off, and they still take money from my account. Furthermore, there is no way to stop the autopay on the website. Customers are directed to reach out to them, which I diid, but was subsequently ignored. They are now impacting my ability to pay my mortgage on time by taking money no longer owed to them. As I have stated, they owe me {$220.00} and I would like someone to explain why all this additional money was taken.
11/18/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX XXXXX	Web
On XX/XX/2017 I purchased an XXXX water treatment system at a cost of {$6600.00} from an XXXX salesperson. I paid {$3300.00} from my credit card and the remaining {$3300.00} was financed through Aqua Finance Inc. The loan was offered at 0 % interest rate if paid in full within 12 months of the initiation of the loan. On XX/XX/2017, I created an autopay schedule at a rate of {$270.00} per month so that the loan gets paid in full within12 months. The electronic system of the Aqua Finance Inc. did not accept or confirm this autopay for $ XXXXmonth. But I assumed this was accepted by the system as it was shown on the screen after submission. Unfortunately, I have lost the screenshot of that page. Afterwards, Aqua Finance has been charging the minimum amount due, {$83.00}, each month which I did not have noticed due to my assumption that it was getting paid in full within 12 months. As a result, I have been charged 15.78 % on the initial amount of {$3300.00} for 2 years. The total interest that Aqua Finance is claiming is {$1000.00}. Had my autopay been accepted by their system, I would not have to pay any interest at all. I think their system is designed to reject payments that are scheduled to avoid interest charges. I hope the CFPB will involve an expert IT auditor to investigate their system so that customers like myself are not victimized in future.
04/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78621	Web
This company refuses to let us into a hardship program, all while violating our rights. Because of XXXX and the microchip shortage, I was forced to leave my position as it was costing me money to work. Throw in my grandmother is in hospice care. Which me and my wife do provide her money to pay for rent, and other services related to her needs as POA for her, its been a huge financial burden. Weve been trying for the past year and a half to get this handled with Aqua Finance, but they said we have to let our account go Delinquent before they would provide assistance. How is that going to help our situation? It will make exponentially worse in the long run, we asked for a Financial hardship, they said after reviewing our current income that we cant be helped. How can that be the case? Were struggling to pay for a WATER SOFTENER when my grandmothers meds are way more important then some scummy Finance company getting its money. They keep asking for detailed records of our Finances and other things that are well without the scope of normal. This is the only Finance company that has refused to help us, even XXXX XXXX was able to get my Apr reduced and a monthly payment that fit our needs. This company doesnt deserve to be in business when they could care less about destroying a familys financial situation over a water softener.
07/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91941	Web
I am set up with Auto Pay using the 3rd party service I was given by the creditor at the time of opening my account. Last year the auto pay was set up but didn't get paid due to the setting of the 3rd party system. I called once I noticed it was never paid and made the full payment and the person from the 3rd party company rectified their Auto Pay system but at this time it was now showing as a 30 day late. The 3rd party company said I must speak with the creditor to correct the reporting but the creditor didn't help due to it being paid late. This year my wallet was stolen along with my debit card so I created a new bank account on the Auto Pay prior to the payment being taken out for the month. According to the creditor someone on the 3rd party servicing system ( Bay Finance Company LLC ) cancelled my payment for the Auto Pay. I can not get anyone to tell me who cancelled this payment. They never notified me that it didnt go through on the new bank account I set up and when I tried to speak to someone for details my voicemails were not returned. I think it is horrible that a {$75.00} per month account that has been on Auto Pay for years is putting 30 day lates on my credit report when I have never avoided paying this creditor. The two companies that work together are not helping me and I can not wait to pay off and close this debt.
11/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85396	Web
Attempted to dispute account through the credit bureaus. Account is showing completely different info on each of my credit reports. FTC requires per FDPCA info needs to be reported accurately. Reported to XXXX and XXXX as a XXXX XXXX XXXX and XXXX shows Collection. There is also a monthly payment of {$87.00} showing on XXXX while no monthly payment for XXXX and XXXX. Date opened for XXXX and XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX. All 3 credit bureaus show different high credit amounts. XXXX shows : {$8000.00} ; XXXX shows : {$7000.00} and XXXX shows : {$5700.00}. Credit limit on XXXX show : {$7000.00} and XXXX and XXXX show : {$0.00}. XXXX and XXXX show Collection as Payment Status while XXXX shows 120 days late. Date last active show XXXX completely different dates, XXXX shows : XX/XX/XXXX, XXXX shows : XX/XX/XXXX and XXXX shows : XX/XX/XXXX. Also account was recorded as a XXXX from XX/XX/XXXX - XX/XX/XXXX, XXXX shows XXXX XXXX XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX then XXXX XXXX XXXX XXXX no info for XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX. XXXX shows absolutely no Credit history. This account is having detrimental effect on my credit and is reporting inaccurately. Therefore account needs to be removed from each of the three credit bureaus : XXXX, XXXX and XXXX to avoid being in violation.
04/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 86409	Web	Older American, Servicemember
Hello, my name is XXXX XXXX, and my address is XXXXXXXX XXXX. XXXX XXXX XXXX, Az. XXXX. I entered into a 20 year loan agreement for a new travel trailer in the spring of XXXX. My payments have always been on auto pay through my bank and have never been missed. Initially I wasn't getting a monthly statement from the finance company, Aqua Finance XXXX XXXX XXXX. I contacted them after about 5 or 6 months, and they some kind of excuse then started sending them. Then they stopped sending my statements once again, so I contacted them again and they started sending them again. Now they have stopped sending my statements once again, so I contacted them today, The woman on the phone told me that because I am on auto pay, that I do not get a monthly statement. This is just plain wrong, because everybody should get a monthly statement for their loan, and this should be the law. I am hoping that it is the law. I want this this lame finance company to do the right thing, and provide me a monthly statement for my loan each and every month like they should. I think it is the absolute least that they can do for the money they are making from my loan. My loan account # is XXXX and their phone number is XXXX. I would appreciate it if you guys can force this company to do the right thing, and adhere to normal loan servicing procedures. Thank you.
07/31/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MD 20602	Web
Letter to XXXX XXXX I submitted a letter to the credit card company XXXX XXXX on XX/XX/2021 requesting a refund of the monies paid for a product ( security doors from XXXX XXXX , XXXX located in XXXX, MD ). I submitted a letter to XXXX XXXX on XX/XX/2021 and made several phone calls to the company regarding the dissatisfaction of the product and lack/no response for service from XXXX. A formal investigation was requested with no results of follow up from either company. On XX/XX/2021, XXXX removed the doors for repair as a result of filing a complaint against XXXX XXXX through the XXXX XXXX XXXX, complaint # XXXX. We were told by XXXX that the repairs would take two to three weeks from date of pick up. During this time, I called an left a message for XXXX to come and repair the wrapping that was left on my home by the company that was improperly installed. I received no follow up communication from the company. XXXX XXXX and XXXX and my husband were on a conference call on XXXX XX/XX/2021. In a good faith effort, my husband agreed to have the doors installed on XXXX XX/XX/2021. This did not occur. XXXX called and cancelled. We do not have the doors and no longer want the product. The company has the doors. We are dissatisfied with the product and the lack of service.
04/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web
I have disputed directly with the creditor ( Aqua Finance ) REGARDING AN ERRONEOUS Account they have been reporting on my credit report for over 1 year. I opened 1 account with this company and after disputing it with them directly. They claimed to have done an investigation and verified that all information is correct with the credit bureaus, when it is not. They also fraudulently opened a " new account '' claiming to have " re-booked '' an older account but with new terms and conditions which I DID NOT agree to. They fraudulently opened a second account nd began reporting it to the credit bureaus. You can see in the second letter attached dated on XX/XX/XXXX, THEY ADMITTED TO THIS FRAUDULENT activity. The account reporting for both are in violation for the FCRA and as consumer they have prevented me from getting a mortgage I believe because the CRITICAL Metro2 fields are non-compliant. The fields do not match. " Account Status '', date opened, Date closed, date of last activity, Comments, credit limit. Both of these accounts under the FCRA should be deleted immediately for failing to report accurate, consistent and objective information. this company has hurt my financial well-being and cause serious mental and emotional distress for me and my family.
03/11/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33860	Web
I obtained this loan to construct a pool at my home. We only had this loan for a couple months before the home was sold and the loan was paid off. The title company who performed the closing contacted Aqua Finance and obtained the ten day payoff. The payoff was mailed, overnight mail within the ten days. When they received the payoff, they stated it was {$160.00} short and began harassing us for the difference. This account was paid off more than 9 years in advance and now they are reporting I was more than 90 days late on my payment. We paid them the additional money even though we did not agree with it and when I contact them and ask them to remove the late payments from my credit report, they are extremely rude and always tell me that I cost them money because I paid the loan off early. I believe that I am being punished both by the additional money I had to pay and the derogatory mark on my credit report because we paid them off early. Before we paid the additional money, I was getting almost constant calls and emails harassing me for the money. They were even calling my childrens ' phones. According to my review search of them, this is a common practice of Aqua Finance. We had no choice but to pay them the additional amount owed to stop the constant harassment.
11/22/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Public record information inaccurate	TX 77586	Web	Servicemember
XX/XX/2018-I signed a personal " unsecured '' loan for approximately $ 33k for home improvements roofing, siding and doors.I was promised in writing no lien would be placed on my home if financed through XXXX XXXX XXXX and Aqua Finance Inc. " No lien '' was on their main web site and further emails I received. I was told verbally at least 6 times no lien will be filed.Aqua Finance company placed a UCC lien on my home without my knowledge.I was told by both entities no lien would be placed. After reviewing contract after discovery of lien, contract uses verbiage on application referring to UCC, security interest. VERY misleading and dishonest. If at any time I was notified by Aqua finance that a lien would be placed, they used misleading verbiage. XXXX XXXX XXXX claims Aqua deemed it necessary to lien because the loan amount was over {$25000.00}. I was never informed or notified of intention to lien. Aqua refused my request to review the phone call of myself and Aqua authorizing the transaction and what was recorded. I specifically asked and clarified no lien on the call. XXXX XXXX XXXX has removed their " no lien '' advertisement since my complaint and has not resolved anything. All payments have been on time and I pay more than the agreed payment. Never late!
01/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
In XX/XX/XXXX a rep from Aqua Finance , Inc came to my new wife and I and sold us a water treatment system for a house in XXXX but after the system was installed their rep returned and informed us that because of a recent bankruptcy from XX/XX/XXXX, that there was a problem with the loan and that my now ex-wife would have to file for the loan by herself which she did, but since they are unable to collect from her they are using the 1st contract that they denied with me as part of it to collect from me. I have asked them to send me prove a approved loan in the form of a invoice which they have yet to do all the send is a copy of the 1st contract. I made a complaint to the XXXX and even in their answer they state that " Numerous conversations were had between me and them and that I even made a payment via a credit/debit card on XX/XX/XXXX '' which if further looked into we find that all were made by the true owner of the loan my ex-wife ... .to which I have been divorced since XX/XX/XXXX and that I had moved back to XXXX also in XX/XX/XXXX..I also have been on XXXX since XX/XX/XXXX and on XXXX since XX/XX/XXXX ... I have never claimed this loan and persist that again the 1st contact was denied, which is their only proof and which I believe has to be illegal to do.
03/06/2020	No	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77407	Web
On XX/XX/2018, I acquired through a company called Aqua Finance , Inc 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. Now, my credit is affected due to this situation
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29527	Web
Aqua Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Attn : XXXX XXXX- CFO The claim stated within this letter that Aqua Finance violated the privacy rights of XXXX. XXXX under 5 U.S.C. Section 552 ( a ) [ The Privacy Act of 1974 ] which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior consent of the individual to whom the record pertains and this agency had obligations with respect to protect that information under 15 U.S.C. section 6802 which states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. See Section 15 U.S.C. Section 6802 ( a ) and ( b ) ( 1 ) ( A ). This XXXX day of XXXX the year of our Lord XXXX DEMANDS that all information pertaining to XXXX XXXX /Account number XXXX be removed from all public bureaus or credit reporting institutions to include XXXX XXXX XXXX XXXX XXXX XXXX and not to exclude XXXX XXXX XXXX XXXX or XXXX XXXX.
10/02/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	AL 36330	Web
I financed my water softener through Aqua Finance Inc XXXX XXXX XXXX XXXX ( hereafter referred to as Aqua Finance ). For this, a credit account was opened. I received an invoice on the mail and decided to send them a check for the total balance listed on the invoice. The check I sent in was received by Aqua Finance before the listed due date, and even before the next invoice was generated. The following month, I received another invoice for interest that had accrued. After calling Aqua Finance to understand what happened, they explained that the amount due is only valid as of the day the invoice was printed, meaning that the listed balance is not correct even the following day. This seems to be an unfair and deceptive practice. I was told that the only way to pay off the account was to call in and get a payoff quote. When I asked what would happen if I never called, but continued to pay via invoices, I was told i would be paying interest indefinitely. To require someone to call to get a true and accurate payoff is unfair and deceptive, as well as potentially discriminatory to individuals with XXXX. When asked if they would waive this unfairly accrued interest, they refused. I have not gotten any resolution with Aqua Finance.
08/20/2019	No	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 394XX	Web
my complaint is for Aqua Finance ; on XX/XX/2019 they repeatedly called my phone at XXXX, XXXX, XXXX, XXXX, and when they called me again at XXXX i advised the person who was calling that i was at work and to please not call my phone any more because that many phone calls in a day is harrassment ( all calls are logged in my phone call log on my cell phone ) ; today, XX/XX/19, they have called me at XXXX and again at XXXX at which time i answered the phone and spoke with XXXX. I told her that they have already spoken to my husband today who has told them he would call them back to make a payment and that i asked them yesterday not to call my number anymore as i am at work and not suppose to be answering my cell phone. I spoke with XXXX, a senior analyst, and he advised me that if I could not verify who i was ( since they called me??? ) then he had no choice but to end the phone call ; XXXX told me they have 5 phone numbers on our account and they call each one 3 times a day. My account is still due for the XXXX payment and this is excessive especially since they had already spoken with my husband today. Please do something about the excessive phone calls we receive from this company regarding payment on our account. Thank You
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92584	Web
Aqua Finance marked my account as 30 days late in XX/XX/2023. From XXXX XXXX XXXX Aqua Finance was a Line of credit which I signed a contract as and I was make more than the minimum payment often times covering more than one months payment. Then in XXXX of XXXX they closed that account and opened a new account as a revolving credit without my approval. I was still making more than the minimum payment. I have documentation that shows on XX/XX/2023 I paid {$150.00} which was XXXX months payment and XXXX payment. Then on XX/XX/2023 I paid {$300.00} which was XXXX monthly payment and XXXX monthly payment. So as you can see I was never late. When I spoke to the costumer service rep on the phone today, XX/XX/2023, the rep did not listen to what I was saying and talked over me. When I asked to speak to a manager he put me on hold for 20 minutes and came back and told me that no manager was available to talk to me. He did not listen to what I was saying as I tried to explain this. If I was late I should have received emails with my statement saying late since I am paperless, I never received anything stating that. I have phone records that also prove they never called me either. I have always paid and more than the minimum.
12/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87108	Web	Servicemember
The company Aqua Finance is committing fraud. I had an account with this company over 8 years ago. They installed a water softener in a residence that I lived at. payments to this company were made for three years. due to an extreme hardship loss of work I lost this residence to the bank to include items in the residence. Aqua finance was listed in the court documents given a time limit and was notified to pick up there property. I am currently trying to clean up my credit and found out that Aqua Finance is deliberately and intentionally committing fraud. what they are doing exactly is manipulating the credit reporting system by claiming my account has changed or shown activity when it has not for over seven years. For example I was recently informed by XXXX that my account with aqua finance changed from a collection status to 120 days late which is fraud. no type of payment arraignments or status has ever changed on this account since 2005.This happens every month which will not allow the account to ever show inactive. what this does is never allow the debt to age properly allowing the consumer to remove the debt., all three bureaus will have proof of this fraud am sure I am not the only one this is happening too.
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53208	Web
I was behind LAST YEAR on a personal loan for home improvements ( new windows ). I caught it up by making over {$3000.00} in payments on the account. I noticed I had not received a new statement in a while, so I reached out and inquired ... as I was trying to see what the actual balance was. I should also mention that I have made the monthly payments AND THEN SOME since this time. After I made the large payments on the account, they apparently sent it to collections... which I NEVER received any communication about. I reported this to you. They then retaliated by reporting that the account was not up to date on credit reporting ... even though the account IS up to date... they are just not reflecting that and are refusing to do so. This is clear retaliation for me reporting their illegal practices- and you closed the complaint at their repsonse! I'm shocked by this- but they are now digging in and retaliating by trying to make my credit suffer even though I have made MORE than the required payments since late XXXX. This is truly shocking and I want them to stop. They need to be correctly reporting that they payments are being made TIMELY- they are refusing to do so. This company is TERRIBLE
04/27/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 17331	Web	Servicemember
I purchased kitchen cabinet remodeling services through XXXX XXXX with the contractor being doing the work as " XXXX XXXX XXXX XXXX '', as a revolving credit account which was assigned for financing to Aqua Finance , Inc . I recently applied to refinance my home and was informed that Aqua Finance , Inc. is showing up on my records as a mortgage with a home improvement lien against my property. I was never advised that this would be the case or stipulation. I contacted Aqua Finance, Inc. and requested a release of lien letter and they will not do it. My welcome letter state revolving credit program, revolving credit account, credit purchase. Nowhere on my billing statement does it say anything about mortgage. I have no problem paying the account as a revolving credit account, and my account and payment status is current. I do however a problem with the lien on my property without my being advised, informed, etc., and nothing in writing that informed me of such. Please advise what can be done to legally to have Aqua Finance , Inc. provide me a release of lien letter as soon as possibele. Aqua Finance , Inc., XXXX, XXXX XXXX IL XXXX XXXX ext. XXXX Acct # XXXX XXXX XXXX XXXX XXXX,
06/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92585	Web
My loan payments are due the XXXX of every month and for convenience I chose automatic payments. I finally read XXXX of my statements and realized the balance wasn't going down. Around XX/XX/XXXX I spoke to XXXX from Aqua Finance resolution department to discuss interest fees 13.99 %. I found out that out of the {$650.00} I pay every month only {$100.00} is being applied to the principal balance of {$47000.00}. I've had the loan since we started building our pool in XXXX. I spoke to XXXX about refinancing the loan and she said that it wasn't an option and that interest had accrued since before the pool build was completed. So it seems like I'm just paying back interest and the loan will never be paid back if only {$100.00} is being applied each month to the balance. I asked her if I could pay half {$320.00} twice a month and she sent me the link for Pay Near Me so I am able to do that. However, my husband began getting calls that we were behind on payments and they started charging a {$10.00} late fee. They said if they don't received full payment within 15 days they automatically charge the late fee, I was still making the total {$650.00} payment by the end of each month.
03/16/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	WA 99206	Web
I called today XX/XX/XXXX and was told the customer statements are just estimates or averages of next months billing charges. The person I spoke to emailed there internal statements which shows all or at least a majority of all my over the minimum payments they apply towards interest. On XX/XX/XXXX a minimum payment of {$90.00} was paid on time and they charged me {$7.00} interest, on XX/XX/XXXX I made a {$100.00} payment on time and paid as extra {$10.00} above my minimum required payment of {$90.00} and I was charged {$11.00} in interest? All amounts over the minimum required payment are legally supposed to go to the principle, and the statements have to be correct, they cant be a estimation or a guess, none of the amounts on any of these statements makes any sense. I feel like there is something shady going on, and if its being done to me than its being done to everyone, and according to other customers in XXXX this company is doing alot of illegal things. Also the customers statements say one name for the company and the internal documents say a different company name. I have also had to report this company to get credit agencies reports corrected 2 times.
08/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77338	Web
Aqua finance, financial systems of greenbay and there investors are increasing there harassment again. We are a little behind in our mortgage and I guess they think this a opportunity to incorporate there extreme harassment tactics. Since Monday were having problems with our cable service, we 're having major telephone harassment, on yesterday XXXX/XXXX/15 a truck driver driving a semi acted like he was going to run me over and yes he was looking directly at me! The harassment intensified on Monday and is still continuing. There trying to intimidate us into not paying our mortgage there by going into foreclosure and ultimately loosing our home. That was there goal from the beginning and in my opinion AQUA Selling us that defective equipment was a set up from the very beginning! We 're constantly reading various stories on AQUA 'S rip off and complaint web site that show that AQUA is using the same harassment tactics against people all over the U.S. Whenever I case ends up in court, we will reach out to as many of AQUA 'S victims as we can to testify. We will also get as much media as we can involved! We are n't abandoning our house and we wo n't be intimidated!
05/21/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 78744	Web
On XX/XX/2017 I purchased a water system for the property i owned with my spouse located at XXXX XXXX XXXX XXXX XXXX Texas XXXX. It was purchased during a home visit through XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas XXXX. Dealer # XXXX. The representative 's name was XXXX XXXX. I filled a charge slip and was approved for the total amount of {$6900.00}. when I asked Mr. XXXX about the financing I was told it was a revolving credit card with a company Called Aqua Finance XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. Now some 3+ years later we are selling the home and are now told that there is a lien on our property that has to be paid. Today when I contacted XXXX XXXX XXXX ' Area manager at the time of sale ; XXXX XXXX she informed me that as a representative of XXXX XXXX XXXX Mr. XXXX and herself were not aware of this. Did not inform any of their buyers that this was the case because they were never given knowledge of this. I feel that this was deceptive trade and something needs to be done about this. We have paid as agreed and have signed an agreement with the new owners to continue to pay until the system is paid in full.
10/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV 89052	Web
On XX/XX/XXXX 2017, I signed a contract agreeing to buy a water treatment system for my home. The system 's cost was {$6400.00}. Paying for the system was to be financed through a 12 months same as cash promotion. The finance company is Aqua Finance XXXX XXXX in XXXX, WI. On XX/XX/XXXX, I had n't received any information from Aqua Finance and I was curious when my first payment would be due. I called the finance company, spoke to a woman named XXXX, and was told that my first payment of {$530.00} was due XX/XX/XXXX. Today I discovered, after intense inspection of the contract, that the contract states that the 12 months begins on the day the contract was signed. This makes the term 10 months, not 12 months. If I continued making payments as instructed by the person I spoke to I would have been libel for over {$1100.00} in interest payments come the termination of the contract. Both Aqua Finance and XXXX is guilty of deceitful and unethical practices in misleading people in believing they have more time to pay then they actually do. It is for companies like this why Americans need agencies like the Consumer Financial Protection Bureau.
03/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60103	Web	Servicemember
The XXXX XXXX XXXX and their comptroller, Aqua Finance became a procrastinating protracted, civil matter which originated with a still incomplete and poorly applied incomplete workmanship regarding three shower renovation projects during the Spring of XXXXAll attempts to resolve the outstanding issues and including a professional inspection of the alleged completed and incomplete work product to observe the obvious poor workmanship was declined by XXXX XXXX ( guest shower didn't produce hot water because of a XXXX XXXX installed, defective shower cartridge pressure valve, a glass shower door detached itself from its ' framing after having been installed in my basement shower, and the use of Velcro to attach several items within each of the three showers was everywhere ) XXXX XXXX XXXX NEVER sought to obtain the required necessary permits via any local government regulatory agency.I waited three years before I sought a professional corrective action response from the XXXX XXXX XXXX and their XXXXr, Aqua Finance, to no avail.I have recently had two of my three showers professionally renovated and completed ( XXXX ).
05/07/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37042	Web	Servicemember
We purchased a Water softening system through XXXX XXXX XXXX, which they have their own finance company, Aqua Finance Inc. My husband is in the military and we were told we qualified for a special offer because of our credit and his status. We were to pay {$8000.00} for the system and only pay 10 % on the first {$1500.00} of the loan. We are now paying 0.03011 % /day for 10 years. It comes to {$6000.00} on a loan of {$8000.00}, we would pay {$14000.00} on a system that should have cost only {$5000.00} because they overcharged us for that as well. My parents looked into other authorized distributors of this product and it should have only cost us $ XXXX {$5000.00} with installation. We were told if we did not sign that day that we would not receive the special interest rate unless we signed there and then. We could get a personal loan for 4 % today with our credit. They are completely taking advantage of our age and military background. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Salesperson- XXXX XXXX XXXX XXXX Aqua Finance Inc . XXXX XXXX XXXX Dept. XXXX XXXX, AL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX
11/04/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78260	Web	Servicemember
We went through a copy called XXXX XXXX XXXX for a pool loan. The total cost of the project was {$50000.00}. We did not have all of the funds and only needed a loan for {$15000.00}. When we started the process we were told it was unsecured and nothing will be attached to the property. XXXX sold the loan to Aqua Finance which is who I signed all of the loan papers with. I read the loan documents before I signed and nowhere did it say it they would file anything against my property via a lien or a XXXX filing. I am refinancing my home and was told they filed a XXXX on my whole property. I was concerned and called Aqua to see what was going on. I was told that 's what they do and have been doing that for ever. I asked them where in the contract I signed, it stated that they were filing a UCC on my property. They referred me to a section of the contract under Additional Provisions ( B. ) Security Interest. I read it and know where under that section did it say they were filing anything against the property. I spoke with XXXX XXXX Collection Manager for Aqua and he sent me the same document saying the same thing.
03/29/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 77388	Web
Hello, In XX/XX/XXXX I entered in to an agreement with Aqua Finance to finance my bathroom remodeling through a 3rd party contractor. All is well, overall with one exception. They refuse to remove my method of payment on file citing they only process payments between 2-5 PM each business day. Thus the need to keep the entire card on file. They say it is to protect in case of something not processing correctly but does not offer any option for one time payments online for its customers to enter. I do not want my credit card information saved on file but their limitations in payment processing nor offering any options for customers to process as they choose online, force my info to be available. Im seeking resolution here. It does not stop 10 phone calls per day at all hours from happening when a payment is late even a day. Let me also add that if paid a day late the next months charges are already added the total amount due forcing you to pay the next months bill early or having to call or answer one of their 10 calls a day to process. Thank you for your time. Respectfully, XXXX
08/25/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30017	Web
I don't know who owns my debt. It is either Aqua Finance or XXXX XXXX XXXX. Aqua Finance : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address Aqua Finance , IncXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.
06/22/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78628	Web
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX : Single Item Water Softener Purchase for XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Request for Arbitration Dear Aqua Finance Inc, This letter is to advise that The Holder Rule is being exercised in reference to the above referrenced account. I would like payments suspended till a resolution is reached with this account : 1. There was no authorization provided to open a revolving account with Aqua Finance Inc. and/or XXXX. No promissory note was signed and disclosures were presented and/or discussed. 2. There was no disclosure of any interest rate. The understanding was for there to be payment of {$39.00} till the equipment is paid off. 3. None of the equipment operates or is functional. And is not being serviced by the account representative as promised. Failure to perform makes their contract void. Based on these issues, and potential others, there needs to be an arbitration meeting to discuss how both parties will resolve this issue. I look forward to hearing from you on how this can be resolved. Regards, XXXX XXXX
03/12/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CO 80831	Web
We were offered a free in home water test and told we needed a filtrations system to clean our water. The systems were very expensive so the company offered financing. We were lied to about the products and what they would do. We were lied to about the warranty and it's transferability. We were told that we would get all our paperwork after the product was installed. Once the product was installed and financing went through we found out they lied to us about everything so we had the water tested again and found out the water from the filtration system is dirtier than the water from the mail line. We requested a refund. The company wants to charge us again for having the product picked up and will not refund the credit the finance company. It is so complicated that I can't even accurately restate it but they refuse to issue a whole refund even though we were clearly lied to to get the equipment and then knowing the equipment is not even working as promised. We spent over 5,400.00 on this system and have been lied to and miss led the whole way through every step.
08/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17257	Web
In XX/XX/2019 XXXX by XXXX convinced us to get new windows throughout our entire home. They said they would help find a company we could finance this through. I was nervous about getting a loan I wanted to make sure we didn't get taken advantage of but the guy told us it was a good deal. We ended up with Aqua Fiance. I set up auto pay and havent missed a payment until earlier this year. The original loan amount was for {$21000.00}. I have paid {$10000.00}. This loan is a predatory loan I still owe {$21000.00}. I've tried calling them before and asking if we could re-fiance or anything and they said no. I was scared of hurting me credit. I finally decided to take a stand I called them and demand they work with me because it is ridiculous I still owe the same amount after paying half of the original loan. They refused to work with me at all on the interest rate or lower the price I still owed. So I told them I refuse to pay until they negotiate with me. Now they have filed a UCC " fixture '' on my home so if I sell or refinance they get that {$21000.00}.
06/06/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92648	Web
Aqua Finance is taking auto payments from my bank account for an account. They auto debit $ XXXX. Some promo ended which increased the payment to {$36.00}. They did not send an email to let me know of the change. They say i was sent a statement via mail, and that may be the case however all previous statements are to remind me that an auto debit is about to occur. I would have no reason to believe this would be any different. In the past, they have called and emailed me when my auto debit failed. This time, Aqua Finance reported me late to all credit bureaus, even though they are receiving auto debits on time for the original {$24.00} amount they set up as recently as XXXX of this year. The terms changed in XXXX to {$36.00}. I called and requested they change the amount of the auto debit to {$36.00 } and remove the late payment from the credit bureaus, since they have been receiving payments on time and that I was not emailed ( my primary method of contact ) of the change. They refuse to remove the late payments. I need help asap!!!
05/09/2021	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	FL 32967	Web	Older American, Servicemember
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( Brently ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You AreDissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX XXXX XXXX. My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front doorhad set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
02/02/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78249	Web	Servicemember
Aqua Finance has placed a lien on my property for a XXXX XXXX. This has been reported to CFPB before and was removed from my Credit report after filing a police report. The information in the contract that Aqua Finance provided me after finding out a lien was on my home at XXXX XXXX XXXX XXXX XXXX TX XXXX is incorrect. The contract states individual account and it list false information. XXXX XXXX XXXX is incorrect and it states he's retired military which is also incorrect because XXXX XXXX XXXX has never served in the military and received XXXX benefits. XXXX XXXX has me listed as an XXXX with 18 years of service. I'm in the XXXX XXXX and was recently promoted to XXXX in XX/XX/2020 and my time in service will be 18 years in XXXX. I have filed a complaint against this company before and it was remove from our credit report only to find out later that they have place a lien on my home. We never signed a contract and the signature on the contract doesn't belong to XXXX XXXX or XXXX XXXX XXXX.
10/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 751XX	Web	Servicemember
We have a loan financed by Aqua Finance. I received one letter from them prior to our first payment being auto drafted from our bank account. That letter said we would receive a statement so we knew what our loan balance and such was, along with account information so I could register for online access. To this day, I have not received anything more. I have never gotten a statement yet they have taken 2 payments out of my bank account. I have tried 10 times to call their 800 # on the letter and get disconnected or it rings endlessly with no answer. I can not get online access without the information they say they would send and whats more important- I should receive a monthly statement and havent gotten a single one. I researched extra ways to reach them online and all I see are pages and pages of XXXX complaints about similar things. It seems they are not upholding their obligations as a lending institution. I just want my statements and information so I can manage my account online.
01/15/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	WA 98665	Web
This issue is with Aqua Finance , Inc. at aquafinance.com. Customer Service # XXXX. They are a creditor of mine for new windows in my home. I'm not getting paper statements and I can not access my account online for most of 2021. I spoke to XXXX on XXXX/XXXX/21 who assured me that I would start getting paper statements again and that she would NOT be able to fix the online access problem. I spoke to another representative earlier in 2021 - around XXXX, who told me that online access would be fixed. Both times I called XXXX. This issue has never been resolved. I still do not have access to my account online. I do not receive paper statements. I don't know if the automatic payments are processing correctly, I don't know what my payoff is. I simply want access to my account information. I have made it very clear to the representatives that I've spoken to that I want to return to paper billing. It has not happened. They have had 5 billing cycles ( months ) to make this right.
01/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
At the end of XX/XX/XXXX, my ex-husband died. This debt was split specifically in a court order during our divorce. Ive provided documentation and ask for the company on numerous occasions to file with probate court to receive his half. They have also advised me historically that I am not responsible for his half of the debt. While Ive continued to pay on my half of the debt, to date the company still has not taken appropriate action in this case. As a single mom with a young child, I feel that this company is taken advantage of me by refusing to follow a court order and file in probate court as is reasonable in this case. Let alone my child has now lost a father and source of income from child support. Furthermore, as of today XXXX XXXX, I have realized that I have not received any type of billing statement from them since XXXX of XXXX. Also, my online account has not been updated since XXXX of XXXX for any billing payments that I have been making every month.
03/15/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78239	Web	Servicemember
I entered into a contract with XXXX XXXX XXXX to which a loan contract was agreed to in which they would pay that loan in exchange to use my home as a XXXX XXXX. The loan was to be paid by a check paid by XXXX giving me a check for {$1500.00} to pay the {$120.00} into XXXX months and was to be paid XXXX yrs or 60 months which XXXX assured to be paid off. I never aware of any loan by Aqua Finance or signed a contract with Aqua Finance. I never consented to an account with XXXX XXXX XXXX. XXXX has closed its office here in XXXX XXXX after moving around to different offices, making it hard to track them down. They have XXXX complaints against them with the XXXX and a ( F ) ratingXXXX has vanished. And no longer responding to Emails. All phone numbers are disconnected and are no longer issueing the {$1500.00} checks. I upheld my end of the Bargain and Contract with XXXX and never signed any Loan Agreement with Aqua Finance
01/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC XXXXX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
12/11/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91941	Web
Aqua Finance , Inc has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. I am submitting this complaint because I want to get a fair solution to this issue. They have committed multiple violations : post charge-off interest. Reporting late payments after closing date ( CCRA ). Misrepresentation of facts. Unconscionable interest charges. Account is falsely reporting as a collection instead of a charge-off. Negligence Unfair business practices I want to get the following account removed from my all 3 credit reports : Aqua Finance account. Date Opened : XX/XX/2018 Highest balance : {$8200.00}. I am willing to get to an amicable resolution. Please send the attached documents to the company. Thank you.
01/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 53208	Web
I got a consumer loan for new windows through Aqua Finance. I got behind on payments last summer and made up for late payments in XXXX. In fact, I made over {$3000.00} in payments in XXXX alone. When I continued to go back online to my account to look for a new billing statement - I was rather confused as to why there had not been a new billing statement posted since the beginning of XXXX. Regardless of late payments, I needed to see a current billing statement to see where I was with balances. When I realized they had not posted a new one in months, I wrote to them first week of XXXX to inquire. I received a reply that they " don't do that '' on accounts in arrears. I demanded a current statement to ensure my {$3500.00} in payments is being properly credited. They stopped responding to me. I wrote again today and inquired why I STILL have not received one nor is there one posted on my account. Still nothing.
03/01/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 78586	Web	Servicemember
On XX/XX/2019 I entered into an unsecured loan with Aqua Finance of XXXX WI for the sale and installation of an inground pool. Aqua Finance determined that I didn't have enough equity in my home to qualify for a home equity line of credit for the project so the offered an unsecured revolving line of credit. In XX/XX/2019 without my cause and without notifying me Aqua Finance placed a lien on my home in XXXX XXXX Texas. Aqua Finance still continues to report the debt as an unsecured debt to the 3 major credit bureaus despite securing the debt with real estate. The loan should have converted to home equity line of credit allowing me to deduct the interest on the interest of loan. My former spouse is still on the title of the property she was not notified of a lien or judgement placed against her interest. This lien places my former spouse and I in an economic disadvantage regarding the ownership of our home.
03/26/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33309	Web
In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. I have placed criminal charges against the company's owner. The company XXXX that sold me the system arranged for financing thru Aqua Finance Inc. I have explained several times over the past several months that XXXX DID NOT install a Solar system they installed a plane old A/C and air handler system that is connected to a Solar panel that should have never been done. Now Aqua is coming after me for non payment and has placed past due notices on my credit record. I'm NOT going to pay for something that is a FRAUD. Please help me with getting ride of this debit that Ive tried my very best to let EVERYONE know that I didn't get what I paid for.
07/03/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 30034	Web
XXXX XXXX came to my house to do an interview about adding a alarm system in the house. They told me that they will setup up the security system and all I need a copy of my check and they will be able to setup up my services. They install the system the same day and told me that if I was unsatisfied that I had 72 hours to discontinue services. The service triggered false alarms 59 times. I was left to pay my county twice XXXX $ for a service that didn't meet expectations. After discontinuing services, I called my bank to dispute the issue and stop payment. In addition to that, there was a credit line open up in my name without my knowledge. They are still charging me for payments through XXXX. I also am receiving statements from Aqua Finance, ( their partner. ) They told me that they use this credit line to pay for the XXXX system. This was used to pay for the security system without my knowledge.
08/14/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 31558	Web
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXXXXXX XXXX. When the loan documents were received, it was for Aqua FinanceXXXX XXXX XXXX XXXX Regular on time payments were made to Aqua Finance who reported to all 3 credit bureaus ( XXXX, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. Reached out to Aqua Finance, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from Aqua Finance or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. In reviewing my most recent statements, they are coming from Aqua Finance still. Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXXAqua Finance is no longer reporting to any bureaus at all.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92262	Web	Older American, Servicemember
I purchased a home improvement project from XXXX XXXX on or about XXXX, 2022 and was told that the project would cost around {$17000.00}. that I could pay over a 5 year period. Subsequently I received a statement from Aqua after the project was complete informing me that the actual total was around {$29000.00}. I contested this and my requests to clarify and correct have been ignored and Aqua is reporting the account to credit agencies as " delinquent '' rather than possibly " fraudulent ''. As a result, other creditors that I am in good standing with are reducing my credit limits and further damaging my credit standing ( score ). In summary, the company that sold me the project ( XXXX XXXX ) misrepresented the terms/price, ( {$17000.00} ) then sold the paper to Aqua which is now attempting to collect {$29000.00} and perpetuating what appears to be an attempt to defraud me.
05/06/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33905	Web	Older American, Servicemember
account was paid off by XXXX XXXX .When the home was sold..XXXX XXXX XXXX XXXX XXXX Florida paid ..Started receiving collection notices right away.So i contacted title company they me proof of the cancelled check.I sent Aqua Finance a copy of the cancelled check ... They refused to accept the cancelled check as proof and kept referring to an account which was in collection from XXXX.It is true that I did not pay the account from 2016 because the water system and security systems that was sold to me failed to work properly..When I tried to contact the company who installed the items, Their contact information was no longer valid ... .SO BEING THAT I COULD NOT CONTACT THE COMPANY TO REPAIR THE ITEMS THAT WERE INSTALLED ... AND I HAD NO WAY to contact them.I stop making payments on the faulty items ... .I told the company come and repair the broken items .I would gladly pay .....
07/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 90745	Web	Servicemember
On XX/XX/XXXX I called the company to pay off my loan ; they took my information and we agreed for the final payment to be taken out of the same account my auto payment had been for the past few months ; payment was processed and I received the email confirmation. On XX/XX/XXXX the payment had not been deducted so I called to see what the issue was ; they claimed the employee who processed the payment hit a wrong number so it did not go through ; they attempted to charge me additional interest for payoff until I raised a storm cause it was there fault ; the agent backed off and went back to the same payment from the XX/XX/XXXX days. The payment has still not gone through and I have the funds in the account waiting. I want them to take the payment so I can be done with them ; but they are making it very difficult and I feel its game to just collect interest
10/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 28173	Web
I applied for a water treatment equipment with XXXX XXXX XXXX NC, They came and installed a water treatment equipment that do not operate according to our needs and what they offer me from the beginning of our discussion. The seller tell me the I can try the equipment. He asked me to sign a document and I provided my social security number and bank account. A month later Aqua Finance Inc appears in my credit report with a loan for {$8400.00}. I never authorized XXXX XXXX or Aqua Finance to run my credit. I contacted Aqua Finance XXXX XXXX water several times and they are ignoring my request regarding my credit inquiry with out authorization. Aqua Finance XXXX I spoke with XXXX XXXX Account appears in my credit XXXX XXXX XXXX XXXX : XXXX XXXX email XXXX phone XXXX Mobile XXXX XXXX XXXX email XXXX I NEVER AUTHORIZED XXXX OR AQUA FINANCE to run my credit
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32738	Web
I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 AQUA FINANCE Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRES ON XXXX : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
10/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	FL 33409	Web
I had a consumer installment loan from Aqua Finance, LLC which required that I make payments online through a website they established. Without any advance notice or warning sometime between the time I made my XXXX payment and my attempt to make my XXXX payment, the company suspended the website and I was unable to access my account. I made effort to locate a different website for the same company but was denied access stating that my account information did not exist. Repeated attempts to telephone in to the company, were unsuccessful. Subsequently I have had my account placed in collection. The company has not made it possible for me to resume making payments or accept payments despite their having suspended the only method of making payments to begin with without any advance notice or alternate options.
10/10/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37148	Web
In XXXX of XXXX, I purchased a home water purification system from XXXX XXXX. The XXXX of the system was done through AquaFinance. On XX/XX/XXXX of XXXX, they called wanting payment. I explained to them i did not have the money due to financial hardship. I called XXXX XXXX right after I got off the phone with AquaFinance to see about having the system removed and was informed that i was stuck with it and, even if i had it removed, I was still responsible for the entire debt. In the months following, they have continued to call me as many as 3 times a day at all hours of the day ( many times in the late evening ), from numbers all over the country. I have explained to them that my wife is no longer working and they proceeded to call my mother and sister when i stopped answering their calls.
08/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	SC 291XX	Web
I could not submit a complaint with XXXX it would not submit my complaint about aqua finance for the amount of {$7200.00} total payback the original loan amount was for {$6000.00} dollars, date of loan XX/XX/2012. Loan type : installment sales contract which is used for purchasing machinery or large equipment so I would like a copy of a deposit to my bank account for that amount or a copy of a cashed check, a copy of a invoice or title copy for any machinery or large equipment that a installments sales contract is used for, and I would like a copy of this installment sales contract and a deletion of this false record by aqua finance or they made some terrible mistake, but it is a defamation of character to my credit record so can you help furnish proof of all the records I'm requesting?
02/22/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
I had a company contacting my mother called Aqua Finance in regards to a payment. When they asked for her, I informed them that she unfortunately passed. Then they said she owed a payment and I stated she passed thats why it wasnt made. I told them Im on a fixed income and can not pay this loan. Then they said that they are looking for the co-signer and I inquired as to whom that was. They asked for me. I said to them, that I never co-signed anything with my mother. I asked for a copy of the documents to see a signature. I asked could I have smaller payments until we can resolve this situation because I am not responsible for this account and they have not provided any documents yet. Nor would they reduce to affordable payments until it can be proven I was not obligated to this account.
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92377	Web
This account was opened by another individual while this company established an account fraudulently in my name because the address is the same. The lending institution then sold the account to another institution and closed the account, showing paid in full only to report the debt on my credit as late after 36 months of being closed. This is unfair practices based on several different reasons as I do not have access to the original account or the current account as it is not my debt nor have I ever paid any payments or received any benefit or item for the debt listed. Please advise on resolution to this problem and make whatever changes to correct my credit reports to reflect my otherwise good standing as I have no missed or late payments on any account
06/22/2019	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29414	Web	Servicemember
We bought a water softener in XXXX of 2015. The loan was for {$6400.00} for 6 years. We made minimum payments. The first year we paid $ XXXX/month with a 5.9 % interest rate. The following years until the present day we have paid $ XXXX/month with a 13.99 % interest rate. Year-to-date, we have paid {$4100.00} and only {$1400.00} of that has gone to the principal amount. {$2600.00} has gone to interest. There was one month where only {$1.00} went to the principal. The paperwork does not say what the amount would be just paying the minimum for 6 years. We have a balance of {$5100.00}. These types of water softeners go for about {$1500.00} at XXXX XXXX. The terms of our contract are unfair and contain predatory lending on behalf of Aqua Finance.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77407	Web
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
05/19/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60543	Web
Aqua finance closed the previous complaint and there wasn't a resolve. They lied through their teeth. The representative from Aqua, his name is XXXX called me and I explained my issue. He basically stated that they're just the finance company. So they wasn't there the Sales Man said it was a {$54.00} payment that would be paid over 5 years no interest was never discussed. If this isn't resolved in 14 days I would file a small claims suit, as I was deceived and this is considered to be the sales man was being deceitful purposely. Please review the attachment Aqua 's representative has stop responding. If it's not same as cash. I will stop paying this bill and I intend to file a complaint with the FTC and XXXX by XX/XX/XXXX XXXX XXXX
10/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 55075	Web
Aqua finance never attempted to pull my XX/XX/ automatic payment and therefore caused me to be reported to credit as late. Their customer service has accepted blame and acknowledged that they messed up and still have not removed or adjusted the reports. I have recordings of multiple conversations of them admitting fault and telling me they will have a credit specialist fix the issue yet they have never taken action. Now they are giving me the runaround saying they go by fair credit reporting standards and follow all guidelines so they cant fix anything. They claim because they tried calling me that they did their job. None of this makes sense. I want the reports removed from my credit as Ive been promised by multiple senior staff members
11/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web	Servicemember
I filed a complaint about this on XX/XX/21 because I have never gotten a monthly billing statement yet they continue to take money out of my account each month as the payment is due. My responsibility is to make the payment and I am but they arent doing their part by sending a statement. Their original reply to my complaint is that they have been sending statements and its not their fault if the mail causes me to not receive it. I just called them today ( XX/XX/21 ) because I still have no statement and spoke to XXXX. He told me that my statements werent toggled on to actually have one sent to me and that he fixed it. But they lied in their first response to my complaint and have violated the fair credit billing act.
06/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OH 440XX	Web
My husband and i had a water softener installed, we were both working at the time and have paid monthly payments on time for 2 years so when my husband lost his job for medical problems and my job cut everyone to part-time we fell back on payments and asked the company ( XXXX Finance ) to pick-up and take away the softener as we were not going to be able to keep up the payments. They said that was not possible and have frequently calling and harassing me and him on our phones and now my workplace. i have been embarrassed at my workplace and reprimanded by my supervisor. We have instructed them to stop this harassment but they are n't they keep calling. What can i do? i can not afford to lose my job by their calls.
12/09/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29073	Web
I financed an HVAC system in the amount of {$6000.00} ( even ) with my local provider who used Aqua Finance. The unit was installed and I signed an acceptance form on XX/XX/2019. My first payment was due XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$6000.00} to totally pay off the loan within 30 days. ON the XX/XX/XXXX billing statement the payment was indicated with new interest charges totaling {$88.00}. I telephoned the company and their rep stated that interest is applied from Day 1, despite the fact that I paid the total amount financed within 30 days. I do not believe their practices are legal. I have since paid the balance reluctantly, but I'd like Aqua Finance to reimburse me for the interest charges.
11/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89408	Web	Older American
We obtained a retail installment loan to purchase a water treatment system for our house. That was in 2016. I have copies of the agreement. At no time was I advised that there would be a UCC financing lien placed against my property. When I started the sales process I was advised of this issue. I then had to pay the loan off completely in order to sell the house and transfer title. I was not in a position to do this and it has made me unable to complete the financing of a property I was attempting to buy. I feel this should have been disclosed to me at the time of the agreement. Company is XXXX XXXX XXXX XXXX, sold to XXXX XXXX XXXX then a credit union to service the loan. Date : XX/XX/2016 {$6200.00}
04/11/2019	No	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	TX 77429	Web
I took out a personal loan with XXXX XXXX and XXXX XXXX to build a pool. The company said that I could not qualify for a Home Equity Loan which would place a lien and provide better rates and terms. This is the reason we did the as a personal loan. After the loan was booked it was brought to my attention that the company did in fact file a lien. This lien is now preventing my ability to refinance our mortgage for a lower interest rate. Aqua Finance and XXXX XXXX provided my an unsecured rate on a loan and did not disclose the fact that the loan is in fact secured through their lien on my home. This is a deceptive and abusive practice and is also against the XXXX XXXX XXXX Home Equity Lending laws
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77583	Web
The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
01/21/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 465XX	Web	Older American, Servicemember
Had bathroom remodeled, company in Michigan finished XX/XX/2019. Monthly contract with finance company, payment due in 30 days after installation. 1st bill due XX/XX/XXXX already added XXXX+ interest in less than a week. payments were to be XXXX, w/XXXX daily interest, I have always paid more to try to pay off early. contract says monthly, company says they charge daily interest. If I send in a payment to early they charge me a months interest for non payment for the month, and then when they post that payment they charge me interest " AGAIN '' the more I pay, the more interest they charge. They also have said on my CR report that they sold contract to a credit union, so who do I owe.
04/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33018	Web
On XX/XX/XXXX, I requested from Aqua Finance my loan documents as I have had this loan for a later over three years and I have noticed little to nothing changing on my loan balance. Originally, I was told it would take a 24-hour notice from the XXXX. I recalled Monday and they advised me it usually takes 24 to 48 hours. I haven't received the requested documents. This company doesn't even provide me with my loan statements in order for me to pay this loan off quickly. After reading the XXXX reviews many other have the same complaints I do. This company practices predatory lending as they hide all their fees, and their officers do zero explanations on these predatory contacts.
08/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 37130	Web
The account is paid in full NOT a charge off. Aqua finance sent a Paid In Full letter reflecting the {$6600.00}. But has yet to update the credit reporting by removing tje charge off. Because of their inaccurate reporting my credit score dropped 57 points. The amount they claim is paid on my credit report of {$5100.00} is also inaccurate. My husband had our credit union mail them a check for the total amount to have it paid in full at {$6600.00}. There is a clear discrepancy of {$1500.00}. I was a co-signer on my spouses account. This fraudulent reporting is damaging my credit which I work hard on keeping it in great standing. This shows by my personal history.
06/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 933XX	Web	Servicemember
I purchased a walk-in-tub about four years ago and I was told that the loan with Aqua Finance did not go through so we paid cash, XXXX and XXXX. Now after I notice that my checking account was being charge {$280.00}, per month, I closed that account and found out that Aqua Finance had been charging me monthly for windows, I don't have windows done by this company. I agreed to pay a settlement amount of {$15000.00}, with a XXXX XXXX on XX/XX/2021 and the agreement was to be good until XX/XX/2021, my escrow company mailed out the check for said amount on XX/XX/2021, and now aqua Financial is paying word games and trying to extorted another {$4000.00} out of me.
12/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33830	Web
Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.
11/02/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 601XX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WV 248XX	Web
Aqua finance ( A pplication # XXXX ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.
02/01/2020	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MI 48858	Web
I was talked into financing a water filtration system under false information. The system was financed through Aqua Finance. Once I found out that they gave me false information, I ceased payments. Aqua Finance as well as the company that sold me the system are refusing to refund and return the system as it is past the 3 day return period. If a company is being fraudulent, I should not have to pay for the system. The water system was purchased through XXXX. They have complaints in other states too. Many other people have been scammed and are still being forced to pay for an unnecessary water filtration system. Aqua Finance has filed a XXXX.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TN 373XX	Web
I just received an email from XXXX XXXX that On XX/XX/XXXX Agua Financial did a Hard Inquiry on Me. I Have NOT Applied for ANYTHING I Just Did A Consoladation and My Husband plant is about to shut down because of Covid So THER IS NO WAY I Would ADD ANY MORE DEBT ON US!!!! If Yyall Could fix This I Would Be Sooo Greatly Appreciative. Thank Yall SOO Much For Helping People Like Us From People Like Them That Try To Completly Destroy Us Because They Think Wer Stupid and DONT Know how To Do Anything Because Wer From the South . But Thank You And You Will Be Blessed. My Name Is XXXX XXXX and My Number is XXXX and e-mail is XXXX Bless You
09/09/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 368XX	Web	Servicemember
Account was opened in XXXX XXXX with XXXX XXXX for {$2700.00}, and was paid as promised. The account was sold to Aqua Finance in XXXX XXXX for {$3200.00}, which was the wrong amount. I have called company repeatedly to fix amount and they refuse. They have yet to send me an itemized bill stating the charges. I have n't paid since XXXX XXXX, and it has been in collection since then, but the amount seems to keep going up and I have not borrowed any more money from them. The account now stands at {$5400.00} as of XXXX XXXX, XXXX. I have not been informed of any new bills, they have n't contacted me. This is the wrong amount.
06/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79928	Web
XXXX XXXX XXXX and BAY FINANCE CO are reporting inaccurate late payments to XXXX, XXXX, and XXXX and hurting my credit rating! I was NEVER late on this account and I have disputed these inaccuracies with XXXX, XXXX, and XXXX which stated XXXX XXXX XXXX and Bay Finance verified as accurate. I want to see transcripts showing these are true because they are False and I had my account on AutoPay. XXXX XXXX XXXX was the original creditor and transferred this account to Bay Finance without advising me! Please see attached copies from my credit report showing how they are both reporting these inaccurate Late Payments!
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89044	Web
I pulled my XXXX recently and noticed that Aqua Finance reported me late in XX/XX/2023 on my pool loan. I have never missed a payment. If I recall correctly, i contacted them via phone to change my due date as it was set for the XXXX but kept coming out prior to the XXXX which caused banking issues. The rep over the phone agreed to move it to the XXXX of the month but the rep failed to do so, which apparently caused a late payment in the system. This isn't correct and I urge compliance to pull the calls and review this claim. This report to my XXXX is false and needs to be removed and marked as current.
10/20/2020	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	FL 342XX	Web
I bought a water purification system through Aqua Finance. The device has had several issues and currently does not work. The company I bought the device through wants to charge $ XXXX {$50.00} per half hour to fix. I refuse to pay such large fees every time the device breaks, and was made to believe all warranty and repair would be covered in price of purchase. However, now I am stuck with a broken device and forced to pay the financing contract. I would like to have the unit returned and be refunded for the device. I do not care for either of these companies and feel I have been taken advantage of.
02/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90028	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, AQUA FINANCE Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
03/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CT 06405	Web
XX/XX/XXXX and XXXX, 2019, my father, a Veteran of advanced years and poor hearing, was approached by XXXX XXXX XXXX of Florida and sold, via financing, a water conditioning system he does not need. I attempted to resolve the matter with XXXX XXXX and when that didn't work, I attempted to resolve it with Aqua Finance Inc, the company that XXXX gets paid by. Aqua Finance has no interest in releasing my father from a contract he didn't realize he was signing, nor are they willing to work with the investigator from the County Consumer Protection agency that I engaged when I filed a complaint with them.
01/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 363XX	Web	Servicemember
date of bill recieved princable interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX princ pymt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no pymt show and balance went up from XXXX to XXXX loan was for XXXX over 12 years XXXX a month i pay every month from wells fargo bill pay and it gets to them in a day or two lots of phone calls seems like no one know what XXXX saying and a differant persons name every month on the poc on the bill I am getting ripped off iam not a banker but know that these charges and process cant be right.
08/16/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	WA 98022	Web	Older American
purchased a boat, used XXXX XXXX to apply, ot the loan approved, i doc signed all the contracts and dmv papers, aqua finance and XXXX XXXX XXXX said they wired the money to XXXX XXXX bank account and they were to wire transfer to XXXX XXXX for my boat, it never got wired, been over a month and my first payment is due tomorrow. i don't have a boat, i have an open loan for XXXX on my credit report, XXXX XXXX XXXX have given nothing but empty promises from XXXX XXXX in Texas and Aqua has stopped communicating with me, won't return emails or calls. Please help me XXXX XXXX XXXX XXXX
04/10/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78251	Web	Servicemember
I have been receiving a statement for many months with a zero payment due, I called to stop mailings and was informed that there was an error on my last payment back in XX/XX/XXXX. I was never notified until I called today XXXX XX/XX/XXXX. I never received a statement with that error from them. It was a clerical error or computer error and they want me to pay for it. I will not pay the interest since I confirmed the last payment over the phone with their employee. I refuse to pay and asked them to fix the problem and close the account. Im asking for them to stop contacting me.
01/22/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33023	Web
XX/XX/XXXX called to have questions answered told me that they dont need to answer questions they just want their money. XX/XX/XXXX received 35 calls I answered one and requested manager rep told me I can wait on that call. I had a nephew called in they released information to someone that is not on the account very concern and unprofessional. I think they are fraud for a company to release information to someone that is not on my account. I requested to receive financial help I was told To look for another job or borrow money from family nothing they can do.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95023	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
08/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 47274	Web
# 1 : In XX/XX/XXXX Aqua Finance reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. This information was FALSE and damaged my credit score. To this day, I still have never been notified our account was ever sent to collections. # 2 : Aqua Finance charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. They are still trying to damage my credit score fraudulently.
04/30/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33905	Web	Older American, Servicemember
The account was paid off by XXXX XXXX When Home was sold on XXXX XXXXShortly after started receiving late payment noticed ... .Tried on several occasions to talk to there agent but they refused to listen and only had a one track mind saying that I still owe the money ... .Fully executed Termination/Release of UCC Financing statement as recorded in Official Records Book XXXX, Page 353 of the Public Records of XXXX XXXX, Fl.XXXX XXXX XXXX XXXX Fl, XXXX, ,Even after sending copies of the cancelled check they refuse to correct there error ... .....
11/03/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 55075	Web
Aqua finance failed to process my auto payments properly and made my account fall delinquent where I received bad credit reports and a increase in my interest rate for falling behind in the first place. They claim my card did not work for the regular monthly auto payment yet nothing changed with my card info or my billing information. Upon closer review and after contacting my credit card company aqua finance never attempted to pull the XXXX payment. I believe they did this predatorily to double my interest rates and for there own personal gain
10/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76522	Web	Servicemember
According to the Servicemembers civil relief act Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. My lender supposedly changed my interest to 6 % but it shows on my bill that its 9.9. I contacted them again and they managed to respond in a reasonable time stating that the orders I provided them only gave them the option to change my interest rate to 6 % for a limited time and date. Even though I confirmed with them through email that it should be for the remainder of my bill.
12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 341XX	Web
I received a statement from Aqua Finance Inc., stating that my Revolving Credit Agreement with XXXX XXXXXXXX XXXX, has been referred to them for collection. The statement shows a transaction dated XX/XX/XXXX for 5 windows and 2 sliding doors in the amount of {$6500.00} for account number XXXX. I don't know who XXXX. XXXX XXXX, or Aqua Finance Inc. or what transaction they are referring too. This is a scam to collect a debt I don't owe! I have a new home built in XXXX and have no need nor ever purchased windows or doors from anybody.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39503	Web
12 hard inquiries and collections on my XXXX, XXXX, XXXX credit report that i have no knowledge of, and it was done without my permission, knowledge, or consent these inquiries are ( XXXX XXXX XXXX XX/XX/2020 ) ( The XXXX XXXX XXXX XX/XX/2020 ) ( Bay financial XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) XXXX XXXX is under collections through XXXX XXXX XXXX XXXX XXXX {$200.00}
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28570	Web	Servicemember
In accordance with the Fair Credit Reporting act, Aqua Finance, Account Number XXXX, has violated my rights to fairness and privacy. At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions
08/15/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20018	Web	Older American
The Complaint is against : Aqua Finance Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017, Balance {$8300.00} Monthly payment {$270.00}. As of XXXX 2017 develop finance hardship and was able to join a company to consolidate my bills. However, the above company refuse to participate with the consolidation process. With advise through my bank this was the only option best for me at this time. Once the process begin, the above company was not willing to make the adjustments with the new company terms and agreement payment.
12/07/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL XXXXX	Web
Buy a water filter for {$4500.00} with monthly payments of {$47.00} every month for 7 years. The first four payments were made with the debit bank card information without problems. In XXXX I went to pay with the card and they didn't accept it because it had to be with the checking account and at that time I didn't have it and they blocked my call. I called them several times to make the payment and they did not answer me. Now in bad faith they preported me four late payments to the credit bureau companies.
04/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 410XX	Web	Older American, Servicemember
We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this.
07/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29405	Web
A home security dealer, XXXX XXXX XXXX XXXX, tricked me into applying for this loan for a security system, however XXXX supplied me with zero equipment as I already had equipment through my previous alarm company, and I also cancelled the service with him within 30 days because I did not feel comfortable moving forward with him and his deceptive ways, however Aqua Finance is still charging me for equipment and a service I never received as they very well were likely scammed by this dealer.
04/22/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32967	Web	Servicemember
Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning Aqua Finance, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX Secure / ( XXXX XXXX XXXX XXXX ... by using a falsify document from her business partner XXXX XXXX XXXX / ( XXXX XXXX XXXX ... noted both name are on document 6 of 8. See attachment : A1 - page 4 - 8.
04/17/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33543	Web	Servicemember
XXXX XXXX installed an air condition system in my home. I paid {$700.00} to fix installation errors out of my own pocket. I was paying {$100.00} as I understood would be my payment. Now this Corporation says my interest rate went from 5.6 % to 13.99 %. I 'm a XXXX Veteran with Service connected XXXX XXXX XXXX XXXX which I told them. I called them and asked them tom help me. They said I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Please help me.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33615	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77389	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76244	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76244	Web	Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 336XX	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/12/2021	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85757	Web	Older American, Servicemember
My husband recently became very XXXX and was XXXX until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23602	Web
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
12/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32164	Web
My payment is set on a reoccurring payment draft for the XXXX. I contacted AquaFinance on XX/XX/16 and asked to reschedule the draft and was advised the draft could not be rescheduled or changed. This seems to be a direct violation the Electronic Funds Transfer Act. The business refused to make adjustments to a pending payment that has not been submitted and was contacted prior to the payments schedule date.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 117XX	Web
In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 117XX	Web
In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11210	Web
A company by the name of XXXX remodeling replaced the roof of my house through financing and took out a loan of XXXX with Acqua Finance. Only XXXX was used on the roof, materials were bought for XXXX and talent by XXXX XXXX. I explained this to Acqua Finance and I was told that there is nothing they can do since the dealership is not answering their phone calls and even though I showed them proof.
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48203	Web
My name is XXXX XXXX XXXX XXXX and I have a loan with AQUA FINANCE INC with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months. It was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75189	Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report
10/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30815	Web
A company called XXXX XXXX offered to install gutters at my home and never completed the work. They disappeared on me and I have not been able to contact them. The financing company Aqua Finance is saying they can not get in contact with them and they don't have any contract for me on file but reporting to the credit bureaus that I owe them a balance for work that was never completed.
08/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89011	Web
I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.
01/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AQUA FINANCE Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
05/17/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75126	Web
The company contacted my family member, who 's phone number was never provided to them, divulging the details of the past due balance of {$180.00} on my account. This is a bill that has a monthly payment and I have asked them repeatedly not to contact me. They do not maintain accurate records on their website, which I have requested on several occasions.
10/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	WI 54956	Web
First contacted the company three months prior to this filing. We were told the information needed to catch up to the credit reporting bureau. After time, and monthly payments made on time, since opening the account it still shows we are not paying and behind on this account.. This is hurting our credit score for something that is being paid on.
03/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07106	Web
The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.
08/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
Communicated via phone call, XX/XX/2021 with Aqua finance stated the product was in no longer in my possession. The item was installed with the co-borrower. Were in the process of an divorce. Since then I have not been contacted regarding debt. According to the fair credit act the account should be deleted from my report in due it is not mine
02/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48235	Web
The account with AQUA FINANCE with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.
08/25/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web
2 billing periods in a row they have refused to provide statements. I have called complained opened a XXXX case and emailed. They are telling me that they are not required to. It's very hard for me the consumer to pay expired statements for a 12 year loan it's critical for me to receive statements.
05/27/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77583	Web
I had an account that was closed on XX/XX/XXXX XXXX which was for a Water Filtration System placed at my residence. The finance company is stating they placed UCC-1 Lien on my property which was never agreed upon, also this is an excessive amount that they have placed on lien.
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07080	Web
Called up companies that are reporting negative activity on my credit profile requesting information on the accounts. I havent received documentation however when I dispute the accounts with the credit bureau it comes back as valid. These accounts are not mine
10/05/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	GA 30078	Web
XXXX XXXX and XXXX are reporting payment increases to a closed account which had the wrong information to begin with. And is a menace to my quality of life. They are allowing this company to deliberately drag me financially. When the pandemic was the cause
08/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85308	Web
XXXX on XX/XX/XXXX Aqua finance on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.
03/23/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 760XX	Web
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX 75224	Web
What happened was someone bought something under my credit on XX/XX/2022. The amount spent was 3,650 the companies name is AQUA FINANCE INCXXXX And the other amount spent was 5,295 and the companies name is XXXX XXXXXXXX XXXX XXXX
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79705	Web
I purchased a water softener system and other items. The items never worked. Either due to faulty install or defective equipment. The company refused to repair them, refused to retrieve them, and is not refusing contact.
03/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	FL XXXXX	Web
The water finance company Aqua Finance was a fraud and not correct with their offering to give for their product everything was fraudulent and I think its not right to do people like that and I want it off my credit
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Web
Checked my credit and a so called Aqua Finance was shown as a hard pull on XX/XX/XXXX. My husband or I are unaware of where that came from. Neither of us have bought or tried to qualify for an " aqua product ''
06/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV 89148	Web
I called the company to have this account removed from my credit report. They said " I would have to close the account first then they will remove it. '' That was XX/XX/XXXX and it is still on my credit report
04/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30017	Web
Aqua Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
11/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2019, AQUA FINANCE add a hard inquiry on my credit report per XXXX.
11/29/2019	No	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92584	Web	Servicemember
XXXX Substandard work we were told the amount was $XXXX to XXXX a month We get a bill of $XXXX a month we can not afford this payment
03/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11212	Web	Servicemember
I keep calling the number they have and Im getting the run around. I see a report by aqua finance and i never had an account with them.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MD 21014	Web	Servicemember
AQUA FINANCE, INC. XXXX XXXX XXXX of {$4300.00} was paid in full but the report still shows I owe them {$350.00} which is incorrect.
05/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44118	Web
This is not my account. Please provide a Validation of Debt, Method of verification, and the original instrument of indebtedness.
02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30338	Web
Aqua finance was included in a bankruptcy and they are still reporting on my credit, the account number is XXXX
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46750	Web
I want to know why Bay Finance and Aqua Finance are both reporting my account as delinquent from XXXX to XXXX.
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 34221	Web	Older American
I have a credit check from Aqua Finance on my record and I did not approve it.
12/16/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 78410	Web	Servicemember
I have unauthorized credit inquires on credit report that I did not authorize
02/08/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	NV 89108	Web
This account has been disputed multiple times and has been paid.
08/17/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 610XX	Web
Aqua FinanceInquiry from XX/XX/2018/XXXX Hard inquire. . . . .
03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33805	Web
XXXX pulled my credit report without authorization
07/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web
I have several inquiries that I did not authorize.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33150	Web
Unauthorized inquiry.
05/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19977	Web
Not my debt
01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30294	Web	Servicemember

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77469	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23602	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33570	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77469	Web

09/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TX 77573	Phone

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72335	Referral

09/05/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78045	Referral

08/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	OK 74137	Web

08/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32259	Web	Servicemember

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	WA 98106	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77316	Web

07/26/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75165	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46928	Web	Servicemember

07/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 28016	Phone

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32058	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 99208	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA 99208	Web

05/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76028	Web	Servicemember

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30082	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33193	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29732	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33186	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 99208	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web	Servicemember

03/04/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	OK 73010	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30022	Web

02/02/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IA 50237	Web

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39328	Web

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30281	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20657	Web

12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34638	Web

12/25/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MD 20876	Web

11/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94566	Web

11/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45231	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45891	Web

10/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33050	Web

10/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45231	Web

10/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 34205	Web

10/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33050	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28306	Web	Servicemember

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28306	Web	Servicemember

09/07/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60649	Phone	Older American, Servicemember

08/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 74126	Postal mail

08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 27577	Phone

08/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28443	Web

08/05/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MD 20876	Web

08/03/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 95207	Web

07/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28278	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28173	Web

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33578	Web	Servicemember

06/22/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35810	Web

05/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 56074	Web

05/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 56074	Web

04/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33067	Web

04/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 786XX	Web	Older American, Servicemember

04/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34736	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35906	Web

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33647	Postal mail

03/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 77459	Referral

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33647	Referral

03/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30252	Phone

03/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 29440	Phone	Older American, Servicemember

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20603	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75241	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93534	Web

02/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07305	Web

02/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NC 28037	Referral

02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33033	Web

02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33172	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33186	Web

01/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92113	Web	Servicemember

12/30/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94566	Web

12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33993	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34714	Web

10/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28079	Web

09/02/2021	No	Mortgage FHA mortgage	Trouble during payment process	CA 90043	Phone

08/31/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33313	Web	Older American

08/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33744	Web

08/04/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94566	Web

07/29/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48183	Web

07/28/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77306	Phone

07/24/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21214	Web	Older American

07/22/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91502	Web

07/16/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 54402	Web

06/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91502	Web

06/18/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34212	Web	Servicemember

05/20/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web

05/19/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76133	Phone

05/04/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web

05/04/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NJ 08016	Referral

04/30/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Credit monitoring or identity theft protection services Billing dispute for services	TN 37066	Web

04/16/2021	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 94066	Phone	Older American

04/02/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SD 57012	Referral

03/30/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77306	Phone

03/01/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone

02/23/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33578	Web

02/10/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged		Phone	Older American, Servicemember

02/09/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78610	Web

01/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

01/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30052	Web

01/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73083	Web

01/19/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80911	Web	Servicemember

01/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77396	Web

12/22/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85043	Web	Servicemember

11/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	ID 83686	Web

11/25/2020	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NM 87112	Phone	Older American

11/16/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76087	Web	Servicemember

09/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30655	Web

08/13/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34761	Postal mail

08/11/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	TN 38473	Web

08/10/2020	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28358	Web

06/02/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TX 78744	Web	Older American

06/01/2020	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NV 89147	Web

04/21/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 77083	Web

04/16/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77493	Web

03/09/2020	No	Mortgage Conventional home mortgage	Closing on a mortgage	FL 32211	Referral

02/20/2020	No	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AL 35601	Web

01/22/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91730	Web

01/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 49265	Web

12/21/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11226	Web

12/13/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 13212	Phone	Older American

11/22/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33060	Web

11/19/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92582	Web	Servicemember

11/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 10013	Referral

11/12/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11201	Referral

11/06/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80620	Postal mail

08/21/2019	No	Credit card or prepaid card Store credit card	Closing your account Can't close your account		Phone	Older American

05/16/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	FL 33470	Web

05/03/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32818	Web

03/20/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV 89121	Web

10/04/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	GA 31008	Fax

09/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37042	Web	Servicemember

09/11/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	MN 55332	Referral

08/31/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 78251	Web	Servicemember

05/12/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 33196	Web

04/11/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 42717	Postal mail	Servicemember

02/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92065	Web	Servicemember

02/15/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 77338	Postal mail

01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web	Servicemember

01/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34759	Referral

01/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78610	Web	Servicemember

10/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98003	Web	Older American, Servicemember

09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30721	Web

06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27526	Web	Servicemember

06/06/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PR 00949	Fax

05/03/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TX 77338	Postal mail

03/27/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 34744	Phone

02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37404	Postal mail

02/15/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32533	Web

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	NV 89081	Postal mail

01/05/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34685	Referral

12/15/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85130	Phone	Older American, Servicemember

11/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 92545	Web	Older American

09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33637	Web

09/08/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	GA 30083	Web

09/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MI 48189	Web

08/15/2016	No	Credit card	Other	CA 92345	Postal mail

02/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28124	Web

02/08/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22560	Phone

11/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32839	Web	Servicemember

10/27/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22560	Phone

10/05/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30294	Web

09/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98203	Web

09/08/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	TX 77338	Postal mail

09/03/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30274	Web	Servicemember

08/23/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77338	Web

08/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90606	Phone

08/03/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90046	Web

05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 77338	Web

05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77338	Web

04/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77338	Web

04/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77338	Web

12/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28212	Postal mail

09/28/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77429	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 75154	Web