Tell us why hereThe names and phone numbers listed in the complaint are not associated with Castle CreditThis account had been charged off due to lack of paymentCastle Credit has no legal right to take this customer's home nor would we threaten to do soHowever, by signing the contract this customer has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing Statement in the county recordsThe UCC-is standard in the home improvement industry and poses no problem whatsoever unless the intention is to sell the home without honoring the loan that improved the property I am glad to say that our Customer Service Manager, Lisa has been able to work out arrangements with this customerPlease know we are always glad to help our customersWe are confident that this customer will respond that his complaint has been completely resolved As always, please contact me directly with any additional concerns Sincerely, Dave [redacted] Account Resolution Specialist
I called today to ask some question so that I could refinance my home and the First Lady I spoke to kept cutting me offSo I then asked to speak to a supervisorWhen the supervisor got on the phone she was defending the unprofessional behavior of the other employee and then threatened to disconnect the callWhat?I thought u was the customerThis is only the second time I have called this company and both times they were extremely rudeThey have to get some customer service skills and should probably try to listen instead of cutting people off or threatening to hang up on them! No professional at all!
Initial Business Response / [redacted] (1000, 5, 2015/04/08) */ I am responding to case noXXXXXXXX, [redacted] Our Account # XXXXXX Castle Credit is a finance company and our financing programs are an option for many home improvement dealersHomeSmart is an independent contractor that uses many different lenders for their customer financing [redacted] is not contractually obligated to finance any of their sales through Castle CreditHowever, in this case HomeSmart accepted our offer to finance Mr [redacted] 's water treatment system The dollar amount of the financing, annual percentage rate, monthly payment and due date are clearly stated on the contractThe payments and interest have been charged in accordance with the agreement signedI have forwarded copies of the loan documents to Mr [redacted] The contract was signed on 6/18/The terms and conditions of the loan were verified with Mr [redacted] via his cell phone on 6/23/This verification call is a required step taken before opening a new accountWith Mr [redacted] 's approval we established the loan and paid HomeSmart in full for his purchaseOn 6/23/we sent a welcome letter which again reviewed the terms of the loan By signing the contract Mr [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the property I have spoken with Mr [redacted] owner of [redacted] Mr [redacted] has assured me that all problems associated with this complaint have been resolvedFurthermore, that Mr [redacted] is aware that he is past due and that he may pay this account off entirely at any time without penalty It is our understanding that Mr [redacted] is now satisfied and that the complaint has been resolved As always, please contact me directly with any additional questions or concerns Sincerely, [redacted] Account Resolution Specialist Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/04/24) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:
Castle Credit Corporation is a scam companyThey are currently reporting on my credit a loan that I co-signed for years ago for a water treatment system (and it was a scam as well from Rain Soft)They are reporting on my credit that this loan is a mortgage against a property that I never had any ownership or ownership interest inThe property went to short sale and some how Castle Credit has been allowed to still keep this debt open when it should have been addressed during the short sale of the propertyI have requested a copy of my original contract and they will not send me one! They had no problem calling me a million times to try and get money but told me the only way my name was going to come off of the loan is if I die or pay the loan offI have NEVER had any ownership interest or ownership in this property yet they are destroying my credit because they are reporting it as a mortgage when it should be reported as a "installment loan" and I ask that they simply change the way they report the loan and they don't care to cooperateI would love for them to work with me to avoid going legal but they seem to care about working with people, their customer service is awful and I will continue to make sure that everyone I come across is aware of the shady things this company does and warn them to stay far away from anything that has to do with them
Tell us why hereI am responding to case no [redacted] , [redacted] Our Account [redacted] On 10/01/13, Castle Credit provided the financing to enable Ms [redacted] to purchase a water filtration system from [redacted] NC On 10/11/16, Ms [redacted] called stating that her credit card statement indicated that she had been charged a cash advance fee of $in addition to her October payment of $ The determination of whether a credit card payment is considered to be a cash advance is made by the individual card issuer rather than Castle CreditUnfortunately, some card issuers choose to interpret the repayment of loan balances as cash advances and this interpretation can change from one payment to the next It is important for Ms [redacted] to know that we have charged this same credit card number since December, She may have received a new card but, the account number and payment were charged in exactly the same manner We appreciate Ms [redacted] for her perfect payment history and even though we did not charge or receive any additional fee we have credited Ms [redacted] account for the $fee charged by her credit card company as a gesture of goodwillMs [redacted] may be able to prevent a similar occurrence in the future by calling her credit card company Sincerely, [redacted] Resolution Specialist
This all stated in [redacted] where the sales rep followed us around until we agreed to let someone come out to our home for a rainsoft water systemWe constantly rescheduled and one day he just shows upWe ended up with the water system and the air purifierWe fell behind on payments and contacted them where we were offered a settlementWe paid the settlementI thought that was the end of itFast forward to years later (today) and we are working on some home matters and find out that Castle Credit has a lean on our propertyI contacted Castle Credit, and the first rep answers and tells me that there was a settlement and transferred me to the arbitration department where LISA [redacted] and her rude self answers the phoneWe discussed the matter at hand we agreed and came to the conclusion that there was a settlementShe proceeded to tell me that they just want the remaining balance of $I asked why she, SPECIFICALLY, would offer and accept (I processed the settlement with her) a settlement payment and never inform me of the intent to get the remaining balance by placing a lean on my property? This was almost years ago and I could have been handling this matterShe told me that I should I asked!!! I am sure this is not legal I will be talking to my lawyer today
I am responding to case no [redacted] – Our account no [redacted] Castle Credit provided the financing so that Ms [redacted] could purchase a whole house water system from A & B Marketing of Jacksonville, FLA & B Marketing is an independent contractor that uses many different finance companies In this case, A & B Marketing accepted our offer to finance the purchase The contract was signed back on 12/02/and the first payment of $was scheduled due on 3/2/ and every month thereafter on the 2nd day until the loan was paid in fullUnfortunately, Ms [redacted] failed to make timely monthly paymentsIn fact, in 2010, we only received of the payments dueThis pattern of non payment continued into & In an effort to help catch up we suggested that the customer increase their monthly payment to $We also assisted the [redacted] by reducing the APR from 21% to 17.99% in Septemeber, Today the account is past due $1, Castle Credit has no legal right to take Ms [redacted] home nor would we threaten to do soHowever, by signing the contract Ms [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing Statement in the county records This UCC-is standard in the home improvement industry and poses no problem whatsoever unless the intention is to sell the home without honoring the loan that improved the propertyI hope that this will clear up any misunderstanding and ease Ms [redacted] mind Certainly, we can understand how overwhelming it is to fall behind in paymentsTherefore, we would like to offer this customer some helpWe are willing to give the account a “fresh start.” This means we are offering to bring the account current with the next payment of $We would also like to lower the APR to 16%The fresh start and the lower APR will certainly lessen the amount of interest and the length of the loan and enable more of the payment to be credited directly to the principal balanceMs [redacted] will definitely notice a drop in the balance and interest chargedIn situations where customers are having difficulty with their finances, we strive to work out arrangements that will work for both the customer and Castle Credit We will gladly make the adjustments upon notification that the complaint has been resolved As always, please contact me directly with any additional questions or concernsSincerely, [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2015/01/09) */ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX We apologize for any misunderstanding regarding Mr [redacted] 's accountWe will adjust the payment due date to the 29th of the month to ensure that future drafts are properly posted to Mr [redacted] 's accountCertainly, all late fees will be reversed Please know that Mr [redacted] 's account is current and has been reported as such to the credit bureausThe account has never been reported as past dueWe appreciate Mr [redacted] for his timely payments and for his patience Please let me know if this will resolve the complaint and I will make the necessary adjustments As always, please contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2014/03/12) */ I am responding to Case NoXXXXXXXX, [redacted] ***- Our Account NoXXXXXX We apologize for any misunderstanding regarding the draft from Mr***'s bank accountCertainly, we can understand how frustrating it must be for Mr [redacted] to be charged NSF feesTherefore, based on Mr***'s payment history we will be glad to credit his account for the $ Please let me know if this will resolve the complaintWe will credit his account upon notification that this complaint is resolved As always, please contact me with any additional concerns Dave [redacted] Resolution Specialist Final Consumer Response / [redacted] (2000, 7, 2014/03/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) I do accept the agreement and consider this closedThank you for the quick response and sorry that this had to be handled in the fashion that it was
Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX Castle Credit provided the financing so that Mr [redacted] could purchase a water system from [redacted] Water of Greensboro, NC The terms and conditions of the loan contract were verified with Mr [redacted] via his cell phone on 8/26/With Mr [redacted] 's permission, we established the loan and paid [redacted] in full for his purchaseOn 8/27/14, we sent a welcome letter which again reviewed the terms of the loanOn 12/3/14, Mr [redacted] called and stated that the dealer was going to pay off this accountHowever, when we contacted [redacted] we were told that they were not paying off the loan and that Mr [redacted] was responsible for all paymentsWe relayed this information to Mr [redacted] and payments were received Recently it has come to our attention that the dealer facilitated what was supposed to be a refinancing of Mr [redacted] 's loan with Castle CreditWe have confirmed that the new financing company paid the dealer directly for this loan and did not remit any funds to Castle CreditThe loan was processed as a new loan, as the finance company was not aware of Castle Credit's loan at that time To date, Castle Credit has not received the payoff funds from the dealer, the customer or any third partyWe have received some payments from the dealer on Mr [redacted] 's account, which further has us concerned that Mr [redacted] may be unaware of the situationSince we were not involved in this refinancing, and Mr [redacted] executed this new transaction with the dealer directly, Castle is not able to rectify this situationMr [redacted] needs to pursue the dealer directly for this, and he should also inform the new finance company of this loan fraudWe are also working with legal counsel to address this matter Even though the account is current, we called on 6/4/and left a message to touch base with Mr [redacted] about this situationWe never heard back from Mr [redacted] Please know that we are willing to help in any way we canHowever, it must be understood that these events have not canceled the original loan Castle made to Mr [redacted] , and the full balance is still due as of today It is unfortunate that Mr [redacted] filed a complaint against us, as we are indirectly a victim of this fraud as wellAgain, Mr [redacted] can contact us at (XXX) XXX-XXXX, and we will try to help in any way we can As always, please contact me with any additional concerns Sincerely, [redacted] Account Resolution Specialist
I just called to get my payoff amount on my water filtration loanthis loan has been on autopay for over a year so nothing is lateplus I pay extra with that each monthwhen they gave me my payoff I was surprisedi asked them what the orginal loan amount was and there is only $differenceafter three years I have only paid $off the orginial balance out of the $i have paid out alreadythey tell me I have late fees, (not true), and annual fees with 21% interest ratethis is not what the orginal papers readthis is gouging and a scamit would be over years before I could pay this offi have to find another loan company to pay this off or I will be stuck with this horrible loan for yearsThis company wont never give you any answers about your financing and never answer the phone when they are suppose toI should have realized when they did not send my filtration system for my kitchen sink that they were a joke and scam
Castle Credit Corporation has been harassing me about a debt with them They called my work and gave my boss information about my debt My debt to them is a Water Filtration system that they attached to my mortgage without having it in the contract that it would establish a second lien on my property The property is currently undergoing short sale and I am unable to make payments on the second lien I have spoken to them multiple times explaining the situation but they still keep calling me at work and speaking to people I work with and this is damaging to my career I spoke with one of their collection team members and told him he could no longer contact me at work because it was damaging my career and he told me he would still call my work anytime I didn't answer the phone when he called This is not a fair debt collection practice! I have submitted complaints with the [redacted] and [redacted] Hopefully this will help resolve the issue
This is the WORST finance company I've ever dealt withThey placed a lien on my home the moment the financed me a USED unit and jacked up my rate once I got behindI started back making auto-draft payments and they still were not willing to report I was in a payment plan on my credit reportIt looked past due for almost yrs although they were getting their money each monthThen, the worst was short sold my house and they refused to take a payoff like everyone else! They ONLY AGREED to taking a lump sum and still have me pay off the rest!! They are PREDATORY and Un-American! AVOID.AVOID.AVOIDTake your money elsewhere, PLEASE!
I am responding to complaint no [redacted] , [redacted] & [redacted] ***The ***'s established an account on 3/7/and then canceled the financing on 5/23/ During the interim period Castle Credit had filed a UCC-Financing Statement to protect it's interest in the product financed Our procedure should have included cancelling of this UCC-Financing Statement However, somehow it was overlooked We have sent a letter to the ***'s stating that the loan was cancelled and we have forwarded a UCC-Termination to the county It is our hope that this letter will serve as proof that the loan was canceled & that the UCC-is not valid We apologize for any inconvenience this may have caused Please feel free to contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Tell us why hereThe names and phone numbers listed in the complaint are not associated with Castle CreditThis account had been charged off due to lack of paymentCastle Credit has no legal right to take this customer's home nor would we threaten to do soHowever, by signing the contract this customer has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing Statement in the county recordsThe UCC-is standard in the home improvement industry and poses no problem whatsoever unless the intention is to sell the home without honoring the loan that improved the property I am glad to say that our Customer Service Manager, Lisa has been able to work out arrangements with this customerPlease know we are always glad to help our customersWe are confident that this customer will respond that his complaint has been completely resolved As always, please contact me directly with any additional concerns Sincerely, Dave [redacted] Account Resolution Specialist
I called today to ask some question so that I could refinance my home and the First Lady I spoke to kept cutting me offSo I then asked to speak to a supervisorWhen the supervisor got on the phone she was defending the unprofessional behavior of the other employee and then threatened to disconnect the callWhat?I thought u was the customerThis is only the second time I have called this company and both times they were extremely rudeThey have to get some customer service skills and should probably try to listen instead of cutting people off or threatening to hang up on them! No professional at all!
Initial Business Response / [redacted] (1000, 5, 2015/04/08) */ I am responding to case noXXXXXXXX, [redacted] Our Account # XXXXXX Castle Credit is a finance company and our financing programs are an option for many home improvement dealersHomeSmart is an independent contractor that uses many different lenders for their customer financing [redacted] is not contractually obligated to finance any of their sales through Castle CreditHowever, in this case HomeSmart accepted our offer to finance Mr [redacted] 's water treatment system The dollar amount of the financing, annual percentage rate, monthly payment and due date are clearly stated on the contractThe payments and interest have been charged in accordance with the agreement signedI have forwarded copies of the loan documents to Mr [redacted] The contract was signed on 6/18/The terms and conditions of the loan were verified with Mr [redacted] via his cell phone on 6/23/This verification call is a required step taken before opening a new accountWith Mr [redacted] 's approval we established the loan and paid HomeSmart in full for his purchaseOn 6/23/we sent a welcome letter which again reviewed the terms of the loan By signing the contract Mr [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the property I have spoken with Mr [redacted] owner of [redacted] Mr [redacted] has assured me that all problems associated with this complaint have been resolvedFurthermore, that Mr [redacted] is aware that he is past due and that he may pay this account off entirely at any time without penalty It is our understanding that Mr [redacted] is now satisfied and that the complaint has been resolved As always, please contact me directly with any additional questions or concerns Sincerely, [redacted] Account Resolution Specialist Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/04/24) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:
Castle Credit Corporation is a scam companyThey are currently reporting on my credit a loan that I co-signed for years ago for a water treatment system (and it was a scam as well from Rain Soft)They are reporting on my credit that this loan is a mortgage against a property that I never had any ownership or ownership interest inThe property went to short sale and some how Castle Credit has been allowed to still keep this debt open when it should have been addressed during the short sale of the propertyI have requested a copy of my original contract and they will not send me one! They had no problem calling me a million times to try and get money but told me the only way my name was going to come off of the loan is if I die or pay the loan offI have NEVER had any ownership interest or ownership in this property yet they are destroying my credit because they are reporting it as a mortgage when it should be reported as a "installment loan" and I ask that they simply change the way they report the loan and they don't care to cooperateI would love for them to work with me to avoid going legal but they seem to care about working with people, their customer service is awful and I will continue to make sure that everyone I come across is aware of the shady things this company does and warn them to stay far away from anything that has to do with them
Tell us why hereI am responding to case no [redacted] , [redacted] Our Account [redacted] On 10/01/13, Castle Credit provided the financing to enable Ms [redacted] to purchase a water filtration system from [redacted] NC On 10/11/16, Ms [redacted] called stating that her credit card statement indicated that she had been charged a cash advance fee of $in addition to her October payment of $ The determination of whether a credit card payment is considered to be a cash advance is made by the individual card issuer rather than Castle CreditUnfortunately, some card issuers choose to interpret the repayment of loan balances as cash advances and this interpretation can change from one payment to the next It is important for Ms [redacted] to know that we have charged this same credit card number since December, She may have received a new card but, the account number and payment were charged in exactly the same manner We appreciate Ms [redacted] for her perfect payment history and even though we did not charge or receive any additional fee we have credited Ms [redacted] account for the $fee charged by her credit card company as a gesture of goodwillMs [redacted] may be able to prevent a similar occurrence in the future by calling her credit card company Sincerely, [redacted] Resolution Specialist
This all stated in [redacted] where the sales rep followed us around until we agreed to let someone come out to our home for a rainsoft water systemWe constantly rescheduled and one day he just shows upWe ended up with the water system and the air purifierWe fell behind on payments and contacted them where we were offered a settlementWe paid the settlementI thought that was the end of itFast forward to years later (today) and we are working on some home matters and find out that Castle Credit has a lean on our propertyI contacted Castle Credit, and the first rep answers and tells me that there was a settlement and transferred me to the arbitration department where LISA [redacted] and her rude self answers the phoneWe discussed the matter at hand we agreed and came to the conclusion that there was a settlementShe proceeded to tell me that they just want the remaining balance of $I asked why she, SPECIFICALLY, would offer and accept (I processed the settlement with her) a settlement payment and never inform me of the intent to get the remaining balance by placing a lean on my property? This was almost years ago and I could have been handling this matterShe told me that I should I asked!!! I am sure this is not legal I will be talking to my lawyer today
I am responding to case no [redacted] – Our account no [redacted] Castle Credit provided the financing so that Ms [redacted] could purchase a whole house water system from A & B Marketing of Jacksonville, FLA & B Marketing is an independent contractor that uses many different finance companies In this case, A & B Marketing accepted our offer to finance the purchase The contract was signed back on 12/02/and the first payment of $was scheduled due on 3/2/ and every month thereafter on the 2nd day until the loan was paid in fullUnfortunately, Ms [redacted] failed to make timely monthly paymentsIn fact, in 2010, we only received of the payments dueThis pattern of non payment continued into & In an effort to help catch up we suggested that the customer increase their monthly payment to $We also assisted the [redacted] by reducing the APR from 21% to 17.99% in Septemeber, Today the account is past due $1, Castle Credit has no legal right to take Ms [redacted] home nor would we threaten to do soHowever, by signing the contract Ms [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing Statement in the county records This UCC-is standard in the home improvement industry and poses no problem whatsoever unless the intention is to sell the home without honoring the loan that improved the propertyI hope that this will clear up any misunderstanding and ease Ms [redacted] mind Certainly, we can understand how overwhelming it is to fall behind in paymentsTherefore, we would like to offer this customer some helpWe are willing to give the account a “fresh start.” This means we are offering to bring the account current with the next payment of $We would also like to lower the APR to 16%The fresh start and the lower APR will certainly lessen the amount of interest and the length of the loan and enable more of the payment to be credited directly to the principal balanceMs [redacted] will definitely notice a drop in the balance and interest chargedIn situations where customers are having difficulty with their finances, we strive to work out arrangements that will work for both the customer and Castle Credit We will gladly make the adjustments upon notification that the complaint has been resolved As always, please contact me directly with any additional questions or concernsSincerely, [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2015/01/09) */ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX We apologize for any misunderstanding regarding Mr [redacted] 's accountWe will adjust the payment due date to the 29th of the month to ensure that future drafts are properly posted to Mr [redacted] 's accountCertainly, all late fees will be reversed Please know that Mr [redacted] 's account is current and has been reported as such to the credit bureausThe account has never been reported as past dueWe appreciate Mr [redacted] for his timely payments and for his patience Please let me know if this will resolve the complaint and I will make the necessary adjustments As always, please contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2014/03/12) */ I am responding to Case NoXXXXXXXX, [redacted] ***- Our Account NoXXXXXX We apologize for any misunderstanding regarding the draft from Mr***'s bank accountCertainly, we can understand how frustrating it must be for Mr [redacted] to be charged NSF feesTherefore, based on Mr***'s payment history we will be glad to credit his account for the $ Please let me know if this will resolve the complaintWe will credit his account upon notification that this complaint is resolved As always, please contact me with any additional concerns Dave [redacted] Resolution Specialist Final Consumer Response / [redacted] (2000, 7, 2014/03/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) I do accept the agreement and consider this closedThank you for the quick response and sorry that this had to be handled in the fashion that it was
Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX Castle Credit provided the financing so that Mr [redacted] could purchase a water system from [redacted] Water of Greensboro, NC The terms and conditions of the loan contract were verified with Mr [redacted] via his cell phone on 8/26/With Mr [redacted] 's permission, we established the loan and paid [redacted] in full for his purchaseOn 8/27/14, we sent a welcome letter which again reviewed the terms of the loanOn 12/3/14, Mr [redacted] called and stated that the dealer was going to pay off this accountHowever, when we contacted [redacted] we were told that they were not paying off the loan and that Mr [redacted] was responsible for all paymentsWe relayed this information to Mr [redacted] and payments were received Recently it has come to our attention that the dealer facilitated what was supposed to be a refinancing of Mr [redacted] 's loan with Castle CreditWe have confirmed that the new financing company paid the dealer directly for this loan and did not remit any funds to Castle CreditThe loan was processed as a new loan, as the finance company was not aware of Castle Credit's loan at that time To date, Castle Credit has not received the payoff funds from the dealer, the customer or any third partyWe have received some payments from the dealer on Mr [redacted] 's account, which further has us concerned that Mr [redacted] may be unaware of the situationSince we were not involved in this refinancing, and Mr [redacted] executed this new transaction with the dealer directly, Castle is not able to rectify this situationMr [redacted] needs to pursue the dealer directly for this, and he should also inform the new finance company of this loan fraudWe are also working with legal counsel to address this matter Even though the account is current, we called on 6/4/and left a message to touch base with Mr [redacted] about this situationWe never heard back from Mr [redacted] Please know that we are willing to help in any way we canHowever, it must be understood that these events have not canceled the original loan Castle made to Mr [redacted] , and the full balance is still due as of today It is unfortunate that Mr [redacted] filed a complaint against us, as we are indirectly a victim of this fraud as wellAgain, Mr [redacted] can contact us at (XXX) XXX-XXXX, and we will try to help in any way we can As always, please contact me with any additional concerns Sincerely, [redacted] Account Resolution Specialist
Non stop calls, constant harassment after being contacted not tooFollow none of the debt collectors laws
I just called to get my payoff amount on my water filtration loanthis loan has been on autopay for over a year so nothing is lateplus I pay extra with that each monthwhen they gave me my payoff I was surprisedi asked them what the orginal loan amount was and there is only $differenceafter three years I have only paid $off the orginial balance out of the $i have paid out alreadythey tell me I have late fees, (not true), and annual fees with 21% interest ratethis is not what the orginal papers readthis is gouging and a scamit would be over years before I could pay this offi have to find another loan company to pay this off or I will be stuck with this horrible loan for yearsThis company wont never give you any answers about your financing and never answer the phone when they are suppose toI should have realized when they did not send my filtration system for my kitchen sink that they were a joke and scam
Castle Credit Corporation has been harassing me about a debt with them They called my work and gave my boss information about my debt My debt to them is a Water Filtration system that they attached to my mortgage without having it in the contract that it would establish a second lien on my property The property is currently undergoing short sale and I am unable to make payments on the second lien I have spoken to them multiple times explaining the situation but they still keep calling me at work and speaking to people I work with and this is damaging to my career I spoke with one of their collection team members and told him he could no longer contact me at work because it was damaging my career and he told me he would still call my work anytime I didn't answer the phone when he called This is not a fair debt collection practice! I have submitted complaints with the [redacted] and [redacted] Hopefully this will help resolve the issue
This is the WORST finance company I've ever dealt withThey placed a lien on my home the moment the financed me a USED unit and jacked up my rate once I got behindI started back making auto-draft payments and they still were not willing to report I was in a payment plan on my credit reportIt looked past due for almost yrs although they were getting their money each monthThen, the worst was short sold my house and they refused to take a payoff like everyone else! They ONLY AGREED to taking a lump sum and still have me pay off the rest!! They are PREDATORY and Un-American! AVOID.AVOID.AVOIDTake your money elsewhere, PLEASE!
I am responding to complaint no [redacted] , [redacted] & [redacted] ***The ***'s established an account on 3/7/and then canceled the financing on 5/23/ During the interim period Castle Credit had filed a UCC-Financing Statement to protect it's interest in the product financed Our procedure should have included cancelling of this UCC-Financing Statement However, somehow it was overlooked We have sent a letter to the ***'s stating that the loan was cancelled and we have forwarded a UCC-Termination to the county It is our hope that this letter will serve as proof that the loan was canceled & that the UCC-is not valid We apologize for any inconvenience this may have caused Please feel free to contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist