Aqua Finance

We had a shower put in by S.I.R. and we signed the completion form 01/23. We got a bill and paperwork informing us of our payment amount of 134.01 and then we were also informed that they signed us up at ***, which we were not even asked about. At the time I got the paperwork I made our first payment Feb 5th, When we got our normal bill in Feb our balance went from 10622. up to 10702.29 and did not even show the payment I had made. I asked them why after only 19 days we were charged 80.00 interest, when I asked them about this they said we were charged from the day we signed the release, and then they said it was only about 2.00 a day and it was in the contract, which I told her we never got, so I had no knowledge of this. When I got my next bill it said the payment posted 02/14, when in fact it was at my bank by 02-11. On my next bill it showed my balance as 10639.07 which would make my principal payment as 63.22 and interest as 71.78. Something is terribly wrong. This is a 10 year loan why is the interest so high, higher than the principal. I am not at all happy with this company nor with the fact that they signed us up with a credit union that we had no knowledge of and did not approve, or even know nothing about as we had no contract in our possession

DO NOT FINANCE WITH THIS COMPANY. BOUGHT A WATER SOFTENER (VIA COSTCO), THE SALES GAVE ME INTEREST RATE 4.9% TO FINANCE. AFTER 1.5 YEAR LATER I NOTICED MY INTEREST RATE WAS INCREASED TO 13.99%. I CALLED AQUA FINANCE AND THEY SAID IT WAS IN MY CONTRACT 4.9% AS PROMOTIONAL RATE FOR 1ST YEAR. THIS IS SO SHADY BECAUSE YOUR SALES NEVER MENTIONED IT. DOOOOOOOOOOOO NOOOOOOOOOOOOOT USSSSSSSSEEEEEEEE THHHIIIIIIIIIISSSSSSSS COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄

When I purchase the water softener and Aqua Clean systems , I choose the No interest no payment 6 month option. I received a bill requiring a payment. I contacted my sales person and he told me he submitted the paper work wrong and I was to resign the paper work and it was sent to be electronically. Which I did on 2/21/2019. I am now am receiving calls from their collection dept stating I am passed due. I have the paper work to prove the option for the 6 month no interest no payment. I cannot get any satisfaction. I was also told today that it will have to be reviewed and I may not get the 6 months no payment no interest. They may not be able to correct this. I think this is a way for them to charge fees. I see from other complaints that is fairly common. Perhaps a class action should be filed against them.

This company operates in a very shady, underhanded fashion. We were sold a water filtration system without us really knowing. The guy just started gathering our information, and when he asked us for our SSN we asked why, he said it was just to very our identities. He kept pushing and pushing. Then they claimed that their cleaning products were free of charge for their customers but now we’re being told that we’ll have to pay like $300 in S&H, but the products themselves are free. This is not what we were told by the reps. When we have tried to cancel during the alleged grace period, we were told we could no longer do that. DO NOT do business with this company, they are very dishonest and unethical. I wish we would have known better before.

Good afternoon, I contacted Aqua Finance Inc FBO Connexus Credit Union and spoke with Michelle and I was transferred and the young representative name sound like Amber but I could be mistaken due to her rapid speech. I was trying to pay off the balance yet she stated that I could not pay off my balance with a Credit Card. The balance today was $3,975.06 and all I was trying to do was pay off my balance. At 4:18 pm I had my wife speak to the representative as well and my wife told the lady to please send the letter in black and white stating that we can't pay the balance off. She kept stating we couldn't pay off the balance and hung up after my wife said have a good day!

We set up auto payments for this company. They continue to send us bills and late notices and are ruining our credit with deceiving practices, won't return our calls or emails, we've set up and confirmed auto payments multiple times and they still are practicing deceiving late fees and are impossible to reach with sketchy customer service reps that are incompetent. This is the fourth time we've confirmed and set up auto payments and actually spoke to a person after calling innumerable times with messages not answered.

After making all payments on time, in September, I made payment, received confirmation number, etc. as usual. Several days later, I was contacted by finance company claiming to have NOT made monthly payment. That month was paid with a prepaid credit card that was purchased solely for this bill and only contained necessary funds for that bill. I no longer have this card, and it is still unknown to me how the money could've "gone through," yet not successfully reach the payment department. However, for the sake of my credit and after months of disputing, I decided to make future payments with a bank account appearing the money to be traced more easily. I contacted the company and after discussing options, it was agreed upon that if they took the October payment and moved it to end of payments, I would catch up nov. And dec. Having then been caught up and would make payments as usual. This compromise would've resulted in them being paid (again) and I would not have late fees piling up. I caught up, and resumed regular payments without incident through dec., Jan. And feb. In beginning of March, I was contacted saying that I again had not made payment and was treated with shockingly rude accusations and outright disrespected and chastised. I immediately contacted woman I made agreement with and apparently it was never put b in computer and they are charging me undeserving late fees denying the initial agreement reguardless of the fact that the calls are recorded causing me to believe they are aware that they are wrong. My wife convinced me to do business with this company and I assure you, she's never been more apologetic to me by or felt more scammed than we feel from this company.

This is the worst company ever!!! I just found out about the Lien that is put on your house for water. I was also never told about a credit check. I called in today, customer service at its worst. They don’t listen and made it like I can’t have an issue, versus listening and trying to rectify the issue. As a customer I should be able to call in with an issue. They reported wrong to the credit bureau and reported I was late and I had to wait two months and had to make a double payment because the representative didn’t submit payment. I can’t do business with people who don’t care about their customers. I’ll never refer anybody and they don’t deserve to be in business. I wish I could rate 0 stars

Paid off loan that was 6 month no interest loan and 2 months later they called and said that I had a late payment and owed them $35.

If I could give less than one Star I would. This company was nothing but pushy salesman who COMPLETELY LIED to get into our home in regard as to why they were even in our neighborhood. They claimed the local government was to have all local homes checked for water quality and that "our home was in a hazardous health zone". It was a total lie as to this fraud coerce himself into our home and lie about why he was in our neighborhood. After dealing with this less than desired salesman who promised multiple benefits to installing the water system, we received absolutely NONE of the perks he and his so-called boss promised us "A year supply of varying cleaning supplies, a free filtration replacement for both our outdoor and "under the sink" treatment equipment". I have tried contacting the company and they refused to respond until I mentioned reporting them to the "Revdex.com" and they still have not rectified any of the problems we have had. This company is a complete joke and should be shut down and receive all penalties from the Revdex.com that are available. It is atrocious that a company like this should be allowed to use scare tactics and intimidation to influence people to accept their services through deception.

Aqua Finance Inc had a 12 month interest free promotion that expired on January 18, 2019. I was out of the country from January 7 until February 7, 2019. While in Guyana, I tried to log onto the website and pay the balance of the account on or around January 10. I was unable to access the website in Guyana. My first day home, on February 8, I called to pay the account in full and explained the situation. They proceeded to charge me over $1000 in interest for not being able to access their website from a foreign nation. They tried to shift cause to my wife, who is on the account, and asked why she didn’t pay. The mail does not have her name on it, and she does not open my mail. This is not the first issue I have had with them. I had automatic payments set up on my credit card, and they changed their accounting ways. This caused the credit card company to view it as a cash advance.

This company likes to play games when you try and pay off your account. First of all they refused to let me use my valid credit card, which has plenty of credit limit to cover the amount to pay off the balance. Their only reason given is, "It's our policy". I wanted to use my card as it has a much lower interest rate then these crooks were charging. The when I tried to use my checking accounts information they wanted to charge me a $5.00 service fee. A service fee to make a payment?? WTF? This company is a complete rip off. I will never use them again and I advise anyone else to steer clear of them. Also they will open a account in your name and without your permission with their credit union. They need to be investigated!

Had I known that the home improvement company used Aqua Finance, I would have chosen another company to work with. The sales person thought it was better to "pad" my income on the application to obtain a larger credit limit. Aqua Finance doesn't verify income; if they had, they would have known the income was incorrect. After that purchase, you receive numerous calls to have other things done to your home. Thinking they had my best interest at heart, I decided to have new doors installed.
Aqua Finance approved the purchase....even though it was $6000 over my credit limit! WHAT!! AND YOU APPROVED IT!! I couldn't ask them to remove the doors and sliding glass door, so I had to roll with it.
I fell into some financial difficulty several months later and went through a debt settlement agency to help since I was not at my new job long enough to obtain a debt consolidation loan. The agency (who I found out later were NOTORIOUS liars) said Aqua Finance put a lien on my home since I was 5 month behind. I IMMEDIATELY called Aqua Finance to make payment arrangement to catch up but they wanted the full payment upfront in one lump sum! They were not willing to help.
The only thing I could do was try to play catch up in one month by making a $600 payment and borrow another $200. When those payments were made, I called to see how I could make the remaining $500 payment without accruing a late fee. I was told by a customer service rep at Aqua Finance that, basically, it doesn't matter how much I pay, I will be hit with a $10 monthly late fee plus $256 regular monthly payment plus almost $300 monthly interest rate (the rate went from 7.9% to 29.99%). I then asked if I made the remaining $500 payment could they lower the interest rate. The rep said there was nothing that could be done...until June. June, it seems, is the time when Aqua Finance reviews accounts to determine if account interest rates go up or down and even that is not guaranteed.
As you can see, I am financially stuck making $600 a month payments on a $13,000 credit limit but have $19,000 worth of payments to make since they went over my credit limit by $6000.
In my opinion, this cant be legal nor legit. I wish there was a way to start a class action lawsuit against Aqua Finance. How could you not check a person's income (a V.O.I. is pretty easy to obtain), approve purchases past a person's credit limit and want late payments back in one lump sum without wanting to work with someone who is having financial difficulty? I feel sorry for any government employee who has anything financed through Aqua Finance. They will not work with you. They will, however, leave numerous voice mail messages asking for their money without asking what has occurred in your financial situation.

I purchased a water filtration system from Culligan and took advantage of a 0% financing offer. Aqua Finance apparently handles the financing for Culligan and never provided a contract to me. Then they sold my loan to a credit union without my knowledge or consent and were audacious enough to open an account in my name in order that my newly sold loan could be accommodated. This had an immediate and significant impact to my credit score.

Somehow my address got marked "needs verification" which in turn, disabled me receiving statements. Also, when I would go online to pay my bill it showed "Paid", and when I tried to pay it, it would give me a warning saying "you've already paid this, do you want to continue?". I finally called them and was told they tried to contact me to verify my address... I never received any calls or emails regarding this issue. Keep in mind, I have received statements from them before and the address they had on file was correct. Nonetheless, I was 1 day away from it being reported to the credit bureau, which would have sucked all due to their systems being flawed.

I contacted this company for a water softener to be installed at my house, on the same day they installed the water softener product which I told them I need to look into this product I was not in agreement to have the product installed after I spoke to one of their representatives I was told you got the best deal on the market I never used this product dut to the fact it cost so much to purchase the salt nor to have it serviced, this is false advertisement.

I have yet to receive a copy of contract for the water filtration system I was intimated into purchasing... I am a Hurricane Harvey survivor, and suffered from PTSD and the salesman pressured me.into this purchase.by saying the water was unsafe. I am 70 years old and use a walker and I consider ELDER ABUSE and they don't use good business practices. As far as know they could put a lien on my house without my knowledge since I don't have a copy of contract. I wish to get out of contract and the removal of equipment.

I signed the final completion form on October 9,2018 and as of today the work isn't completed . I contacted aqua manager in credit and customer service *** even told Aqua they will resubmit an new completion form and Aqua still so against it . When they know the work isn't done .The only reason I signed the completion form is because the key was suppose to be above the service door in the fame but to no knowledge to me or ***, the key wasn't there . The contractor missed place the key , no fault of me or *** . That's why we requesting the completion date to be switch . So, the key issue caused a delay in completion because the locks had to be changed no fault of mines .

I was set up on automatic draft beginning on 10-01-18 for $457 a month. I misread a statement and thought my automatic draft did not go through so I wrote a check for $460 a mailed it in. The check cleared awell athe $457 was drafted out of my account. We called and got the $460 refunded and now I have a bill for $915 because it says I didn’t pay. We called and talked to a lady that was very unprofessional and saywe didn’t pay in September. My pool wasn’t even finished in September. We received a letter stating automatic draft started October 1st.

I have never heard of Aqua Finance before. They have placed a hard inquiry on my trans union report. I have never authorized this inquiry. I have been misled by a marketing and advertising company and they have never mentioned that they are going to inquire about my credit. I have called Aqua finance to ask them to remove that inquiry but they have been tricky and misleading the same as the scam company who made a hard inquiry on my report. I didn't get any kind of loan and service from aqua finance but still refused to remove the inquiry.
I have no idea who aqua finance is and never done business with them. For me, they are a scam company the same as all scam people living around us. Please be careful of Aqua finance. I am going to file a police report too and explain to them how I have been misled and deceived.
companies like Aqua finance should not be trusted. They don't? even deserve one star