Belmont Credit

I have been paying this company on time for the past several months and they refused to update my credit profile the two late payments that is on my account, I have done everything to get them to wave those late payments. I'm a mother of two trying to move in a safe neighbor hood for my kids and they are stoping my kids future by not helping me with a good will update. My husband lost his job around Covid, Nc was asking companies to help people during this time but no Belmont is not the gracious people to help. They waive the first month of the loan why that can't be generous and wave my two late payments.I really need these two late payments gone and I'm not going to stop. Please help your consumers after all you are taking my money every month to pay for this loan that so vacumn cleaner lady pressured me to buy. So now I'm ruined by two late payments that this company will not waive. PLEASE HELP ME !

Review: On Monday Feburary 16th 2015, I called into to belmont to setup my payment over the phone for this months bill. It was around 10:50 am Wisconsin time. The representative that talked to me was very nice and respectful who set up my payment for this month so I appreciated that. I then asked the customer service rep about the issues I have been having with my credit report vs. Belmont for the last 3 months or so. She informed me that she does not handle those type of issues but could transfer me to the department that handles credit bureau or credit report issues. I have been having multiple issues with my credit report because of Belmont since I have been a customer with them. Being that I am in the United states army and have to maintain certain clearances and also trying to obtain top clearances for certain jobs I am trying to apply for, I am trying to keep my credit good. I have disputed the same account that has been reported negative by Belmont for the past few months. The account is pays as agreed but still indicates that I was late on my report. So everytime the dispute happens it is removed but placed back on my credit report within a week after. This has happened at least four times now. My account was indeed past due but I always called in and made payment arrangements, and setup up a date I will satisfy the account ahead of time with Belmont. This account I am talking about was reported while my payment was being processed through the bank, the payment was taken out the day before it was reported to the credit bureau. Eventhough the check by phone service Belmont offers you to use takes about 3-4 days to process sometimes they still initiated a negative report on my behalf although in my notes should have showed that I setup a payment arrangement for this account prior to and it was probably in progress. Being that the payment I can prove was taken out the day before it was reported and the payment was also being processed by the bank while the account was being reported negative. I do not feel it should be indicated on my credit as negative. Why because I always have been an informing customer and have always contacted Belmont if my payment would not be on time. Also my payments whether late or not have always processed before it was reported. So Belmont still reported eventhough the following circumstances, which I am upset about. Also I don't get how my account says pays as agreed and still is reported negative. Another thing I am upset about how they keep removing it when I dispute but then put the account back under negative within a week after removal. Also the other issue I have been having is that Belmont credit merged with Belmont finance recently, so they decided to put a whole another account under Belmont finance. But didn't remove the old company Belmont credit. So now it's showing on my credit like I have two accounts open which I only have one. So Belmont removed the account when I disputed it but it still remains under my negative accounts as closed but negative as well. How is this possible when I only should be reflecting one account and it was only open for a week on my credit and marked as closed. It's impossible for it to be negative as well! These are the issues I brought up to the customer representative that I was transferred to for the credit bureau problems department. The representative said her name was [redacted] or [redacted] that's what it sounded like she said but I could have heard her wrong. I should have got her agent id or full name but I couldn't due to her hanging up on me. I tried to explain the issues I was going through and all she did was debate me and try to tell me about my account being past due. She did not attempt to hear me out at all or fix the problem or give me a solution. All she could seen was the account being past due but never listened to my concerns or issue with it being past due. She totally rudely talked over me, wouldn't listen, and hung up.while she was acting this way I also talked to her back the same way, because I feel that customer service should listen and not be rude to you. She tried to have no total understanding or listen to my complaint. In so many words she said that even though I made a payment arrangement or the payment processed before the account was reported to credit I would have to just deal with it because the account was past due. So I thought she was very rude and shouldn't work in customer service ever again or be reprimanded. After she Rudely hung up I called back to get her information but magically the conversation wasn't in the notes with the rude customer service representative I talked to eventhough while on the phone she was able to pull up my info. I feel that Belmont should be able to tell who I talked to that was so rude. I am currently waiting to talk to the supervisor but she is sick right now which was told to me by customer service. To call her about all my issues. I feel that as a [redacted] that I shouldn't be screwed over like this or have to deal with bad customer service after [redacted]. Also I will never suggest anyone financing anything through this company after I have dealt with this type of treatment. All I want is to not be penalized on my credit report for doing the right thing as a customer and making payment arrangements and making payments on time. The finance company screws you over meanwhile they will be 1900.00 dollars richer off me or however much they get for collecting my payments. Also I will being writing a negative review as well under this site. Thanks for you complaint process.Desired Settlement: I would like for Belmont to fix my credit report issue and all the incorrect information on my credit. As well as have more respect for their customers and ecspecially active duty service member that fights for this country. Also I would like for the representative in the credit issues department that I talked to, to be reprimanded and to apologize. Maybe even fired. Customer service is easy, if you know how to listen to your customers and their issues. The good ol saying is the customer is always right maybe Belmont teaches their representatives differently. Also the representative should be trained on not debating or arguing with the customer. Also on how to listen as well as not just look at the past due amount but hear the customers issue. I think I should be also given a credit on my account as well for all the bad treatment. At any other company this representative would have been fired.

Business

Response:

Ms. [redacted] has had two accounts with our company. The first account was only open for 2 days as Ms. [redacted] negotiated a lower purchase price with the Kirby distributor she bought the product from. This account has been deleted from her credit bureau report. The second account was opened on 08/22/2014 under Belmont Credit, LLC. As of the beginning of January, Belmont Credit, LLC merged with Belmont Finance, LLC. Ms. [redacted] only has one open account with us, and only the account under Belmont Finance, LLC, will report to the credit bureaus. This does not remove prior reporting.Ms. [redacted] has contacted us multiple times by phone, and submitted 5 credit bureau disputes regarding a negative notation that occurred in December, 2014. This late payment was not caused by the processing time of her payment, or a mistake on the part of Belmont, but was due to the fact that her payment was 42 days past due. This situation has been explained to Ms. [redacted] in conversations that she has had with our employees on 01/07/2015, 01/23/2015, 02/12/2015, and 02/16/2015. We believe part of her confusion originates from not differentiating between the payment arrangements she has made with Belmont, and the account information that Belmont submits to the credit bureaus.In regards to the dis-satisfactory phone conversation that Ms. [redacted] had with our representative, we have talked with the employee, and the surrounding employees that were party to the conversation. At no time was the employee observed being rude, or disrespectful in any way. After multiple attempts by the employee to explain the facts of the situation, Ms. [redacted] became irate. She then proceeded to shout at the employee. At one point in the conversation, Ms. [redacted] engaged in an argument with another person in her household. It was then that the employee, not being part of that altercation, exited the phone call.Belmont Finance, LLC, demands that their employees show respect to all of our customers, including those who are in service to our country. While we appreciate and applaud the services of Ms. [redacted], it does not inherently dismiss the obligations she has with regards to her loan with us.In conclusion, we believe that Ms. [redacted]'s complaint stems not from what she views as "rude", or poor customer service, but instead from the frustration of not being able to alter the facts of her situation to her satisfaction.

Business

Response:

We are disappointed that Ms. [redacted] isl dissatisfied with the outcome of her complaint. We feel that we have addressed all aspects of her concerns. We would be happy to provide Ms. [redacted] with any documentation she would require, and will continue to respond to any credit bureau disputes she chooses to file.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

We have a small loan with this company, and everything has been fine.

I had an account with Belmont credit/finance llc. The representative was maggie. The company continuosly charge 3% payment fees and late fees on my bill. They claim they were processing fees from credit card company. Although why would they pass these fees on to the customer as it is a cost of doing business. I bought a vaccum fron Kirby for a set price onky to find out that I have to pay extra fees on top of it through Belmont finance llc. I refused to ever buy another product such as Kirby that deals with a company that excessively charges you on top of the oroduct that we already paid for. This seems unlawful and sounds like a scam to get more money out of the consumer. BEWARE of Belmont credit/finance and their excessive fees.

Review: On Friday, August 2nd, 2013, my father and I were approached by two men that introduce to us as businessmen that were opening a new dollar store on my neighborhood. After the initial presentation they offered us a new vacuum cleaner system (Pro-Aqua). They did a presentation of the equipment to show us how wonderful it works. I considered the equipment very expensive ($2995.00), but my father loved that equipment and decided to buy it. When the sellers ran his credit he was not approved. One of the sellers: [redacted], who is [redacted] of the company ,asked me if I want to help my father. Against my best judgment (I do not like to buy anything from unknown sources) I accepted that the sale would be on my name. Mr. [redacted] reassured me that there were nothing to lose, that he is a very honest businessman and as it is stated on his contract we have three business days to return the equipment with no obligations with the financial company, because the contract will be transferred to the financial Company (Belmont Finance, LLC) six business days after the sale. So we bought the Pro-Aqua vacuum system at my home: [redacted]. Unfortunately, the next day Saturday, August 3rd, 2013, my father realized that the equipment was too expensive and decided to return it. We called Mr. [redacted] that day August 3rd, 2013 and informed him of our desire of return the equipment. He told us to return it the next Monday: August 5th, 2013.

I could not go with my father because my younger son was sick. Mr. [redacted] was not at his office, so his secretary called him to know if approved the return. Mr. [redacted] accepted the return. My father told his secretary that I could not be there with him to return the equipment, and asked what I have to do, if I need to meet Mr. [redacted] to sign any paper. The secretary of Mr. [redacted] told my father that I need to do nothing because the “paperwork” or contract with Belmont Financial, LLC had not been forwarded or transferred yet.

On September 6th, 2013 I was shocked when I found out that I had an automatic withdraw made on my checking account for the amount of $64.77 from Belmont Financial, LLC. I immediately called Mr. [redacted]. He did not answer the phone and I left him a message. I called Belmont Financial, LLC and they told me that they cannot cancel the contract because they have paid to Mr. [redacted], that I have to contact Mr. [redacted] to see if want to cancel the contract for me because the three business days that I have to cancel the contract had already pass.

I could not believe what I was hearing. Finally when I spoke with Mr. [redacted] after a week trying to reach him, he told me that it was too late to cancel the contract, that at that point he only could give me the equipment back. When I asked him about what is stated on his contract, and what he told me the day of the sale, he hanged up the phone. I went numerous times to his office, but every single time his secretary told me that he was not there, I also called him numerous times and if he answered was only to say exactly the same that he told me when we first spoke.

My father also tried to contact Mr. [redacted] but could not speak with him. Finally Tuesday, December 10th, 2013 my father did speak with Mr. [redacted] at his office and he agreed to cancel the contract and refund me the money that he and his financial company had been taking from my account: $64.77 every month. He also asked my father that I should called him the Friday of that week: December 13th, 2013. I called Mr. [redacted] on December 13th, 2013 and he told me that he was taking care of the situation, that there was not going to be another withdraw and that I should be receiving the refund in about 2 weeks.

I was again charged $64.77 on January 6th, 2013. I immediately called Mr. [redacted], but he did not answer the phone and was not at his office either. Mr. [redacted] answered my call on Friday, January 10th, 2014 just to said that he has too busy at that moment and he would called me 10 minutes later, but he did not. Monday January 13th, 2014 I went to Mr. [redacted]’s office. He was not there, but I called him using his office’s phone line. Mr. [redacted] recanted the agreements made on December 10th, 2013 and on December 13th, 2013. Mr. [redacted] once again said that he only can give me the equipment back.

Tired of their I decide to stop any further payment from Belmont on January 31st, 2014.Desired Settlement: I want my money back ( a total of $323.85, they withdraw $64.77 per month for 5 months). Also I want the closure of that account, so they do not have to harass me with their threatened phone calls.

Business

Response:

On 08/02/2013 Belmont Finance, LLC verified terms with Ms. [redacted] for the loan she had requested to purchase a Pro-Aqua System. Ms. [redacted] then contacted us on 11/04/2013 to say that the machine had been picked up on the second day after the sale, and she had a "yellow slip" signed that states the machine was returned. We asked her to fax any paperwork that she had proving that this contract was cancelled. On 11/19/2013 we received a fax containing a sales agreement, copy of her contract, a copy of what Ms. [redacted] says is a yellow sticky note stating she returned the machine on 08/05/2013, and a business card from Far and Wide Distributing,Inc.. We contacted Far and Wide Distributing regarding Ms. [redacted]' claim, and they had not received the machine back in their inventory, and had not received a notice of cancellation signed by Ms. [redacted]. We next spoke with the customer on 12/09/2013 stating that she wanted to cancel. We again explained the procedure for cancellation, and without a signed notice of cancellation, she is legally bound to this contract. On 01/15/2014 Ms. [redacted] called again to state that the distributor had picked up the machine.