We would like to thank Ms [redacted] for her additional correspondence As previously stated, entering in to a loan agreement can be stressful and is not something to be taken lightly At this point, Ms [redacted] is responsible for the balance in it's entirety Comparing a Revolving Credit Agreement loan for three air filters to an auto loan is difficult to do and are two very different things Many factors have to be considered if we consider repossessing the collateral There are fees, charges, and the uncertainty of the condition of the collateral before making a determination as to what they could be re-sold for Ms [redacted] may be better off attempting to sell the filters herself and paying the loan off to avoid any future issues I have been in contact with the Dealership that sold Ms [redacted] the filters and no final arrangements have been made as we are still researching this Therefore at this time Ms [redacted] is expected to adhere to the terms of the contract she signed If Ms [redacted] has any further questions regarding this, she may contact me directly at ###-###-#### Thank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] while most of the information is correct, what was left out is I did speak with dan on different occasions whom said he will have the service department call to schedule the appointment, and no one has called to schedule Regards, Vaughn ***
We wish to thank Ms [redacted] for bringing her concerns to our attention She is a valued customer and we hope we can provide some clarity to her situation On July 6, Ms [redacted] financed solar products through Aqua Finance, Inc She was offered a promotion on her loan that states the following: The APR will have an introductory rate of 5.9% for the first months The APR will be 13.99% after months The minimum monthly payment factor disclosed on this Revolving Credit Sales slip is hereby reduced to 1.0% for the first months The minimum monthly payment factor will be after months (See Revolving Credit Agreement for full description of minimum monthly payments.) Ms [redacted] signed this Promotional Credit Plan Addendum on July 6, I am including a copy for her to reference Her minimum monthly payment for the 1st months was $ Her payment increased to $as outlined in the promotion, on July 11, A billing statement generated on June 18th, provides a notice that the Introductory Interest Rate and Minimum Monthly Payment Factor is expiring I have included a copy of this for review As part of standard procedure for Aqua Finance, Incan initial call is made to our customers to verify the terms of their loan and to ensure that the equipment is functioning properly This is done before the loan is processed and the call is recorded A call was made to Ms [redacted] on July 14, and she did verify that she possessed copies of her contract and agreed to the terms She also stated the equipment was installed and working properly On July 16, Ms [redacted] ’s loan was sold to Connexus Credit Union Aqua Finance, Inccontinues to be the servicer for her loan The sale of her loan did not change the terms of her agreement We certainly empathize with Ms [redacted] ’s frustrations regarding the amount of interest paid towards her loan I have included a Statement of her Account that details when payments were made As outlined in the Retail Installment Credit Agreement, there is no penalty for prepayment and the full amount due can be paid at any time If Ms [redacted] desires to pay off in advance the full amount due, the amount which is outstanding will be furnished upon request Again, I would like to thank Ms [redacted] for reaching out to us If she has any further questions, she is welcome to contact me directly at [redacted] *** Katie [redacted] AVP – Compliance & Recovery [redacted]
We'd like to thank Mr [redacted] for bringing his concerns to our attention I have reviewed his file and it appears that this issue has already been resolved today, but I do want to provide clarity and closure for Mr [redacted] as a valued customer Mr [redacted] 's first payment was due on November 22, and the payment was received in our office on November 28, His December statement was generated on November 25th; prior to the payment being received or posted to the account Because the payment had not been received, the statement reflects a balance of two payments owed Mr [redacted] also stated that he had been calling for for a few weeks with no returned call This is unacceptable and I sincerely apologize for this Unfortunately I do not see in our records any communication with him prior to today December 19th however I appreciate you bringing this to our attention so we may investigate further Lastly Mr [redacted] states the financing was not clearly advertised to him at the time of the sale Again we apologize for this We do attempt to provide clarity regarding the financing during our initial call with each customer where we verify the terms of the loan and ask if there are any questionsThis call was completed with Mr [redacted] on October 21, Again we'd like to thank Mr [redacted] for contacting us I do see that arrangements to pay the loan in full were made today and we appreciate Mr [redacted] as a customer If he has any further questions, he may contact me directly at 1-800-234-extension Thank you.Katie [redacted] AVP - [email protected]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.The installation of the system is finally installed satisfactorily, I hope, after the damage of small, continuous leaks This doesn't resolve the fact that now the wood under the sink has been damaged This only partially resolved my issue The dishwasher was finally reconnected, the hole which surrounded the spout has been corrected and the garbage disposer is now working properly again Imagine my surprise to find out they had unhooked the garbage disposer and dishwasher in order to install the water system Who does that?! Although I am happy about these items being corrected, I am displeased about the molded wood that is now under the sink I would NOT ever recommend this company or any like it to someone I would expect that when a company is trusted to do a job to your family home, that job is done with expertise and respect I'm now apprehensive to even switch from AT&T cable to Dish Then to add insult to injury, they had the audacity to say there was already damage under the sink prior to the system being installed into a year old home If I had not continually complained and reached out to the Revdex.com my complaints would have continued to go unheard [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Craig ***
We would like to thank Ms [redacted] for her follow up to our response In her response she refers to sales agents "you" (we) send to "targeted neighborhoods" Aqua Finance, Incis a finance company in Wausau, Wisconsin Each dealership we conduct business with is independent and is not affiliated with our company We do not send agents to neighborhoods The contract and credit application signed by Ms [redacted] in May of was sent to Aqua Finance by Indiana Refined Water Consultants Her loan was approved and we then lent her the money for the purchase she made I would like to reiterate the information from our initial response that Ms [redacted] verified the terms of the loan on May 29, Calls were made to Mrand Mrs [redacted] beginning in July of regarding delinquent payments on the loan We had sent multiple letters in an attempt to contact Mrand Mrs [redacted] in regards to their loan and unfortunately were unable to make contactAs stated in my previous response, I would be happy to speak to Ms [redacted] personally regarding the UCC lien on her property or negotiating a mutually beneficial agreement to assist her She may contact me at ###-###-#### Thank you [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I will be filing a fraud report in order to have the hard inquiry removed from my credit reportVictoria [redacted] will also be filing oneThank you for your time with this matter Regards, Andrew ***
We'd like to thank Ms [redacted] for providing us with her detailed concerns regarding this matter Her complaint details at length claims made against AquaFeel Solutions As the finance company we can unfortunately not attest or respond to these claims as we were not present and are a separate entity from AquaFeel Solutions We have reached out to AquaFeel Solutions and they provided us with records on the [redacted] account Based on the information received by AquaFeel Solutions, the complaint was initiated April 18, Ms [redacted] stated at that time the system was not working properly A water test was conducted and failed and Ms [redacted] was told she would have to wait hours to cycle the water ON May 15, Ms [redacted] called AquaFeel Solutions and a message was left for a returned call Approximately minutes later a supervisor contacted her and was told by a third party that she was unavailable On May 26, AquaFeel Solutions spoke with Ms [redacted] again and offered her several options to rectify the situation including a brand new system installed for free, additional soap and a $gift card Ms [redacted] rejected these offers and said it was not enough Based on the information provided we believe AquaFeel has made reasonable attempts to resolve this matter We are unsure what Ms [redacted] wants There was a problem, AquaFeel attempted to resolve it and Ms [redacted] chose to reject their resolutions Aqua Finance's position is that satisfactory attempts were made to assist her and believe this matter is closed We are unable to cancel the loan and the contract remains legally enforceable If Ms [redacted] would like to discuss further she may contact our office at ###-###-#### extension *** Thank you Katie [redacted] AVP - Compliance [redacted]
We would like to thank Ms [redacted] for bringing her concerns to our attention On May 28, her loan with MBC Investments, LLC/Aqua Finance, Incwas sold to Global Acceptance located in Des Moines, IA We have not sent her any correspondence since May 21, and believe that she may be receiving correspondence from Global Acceptance I encourage her to contact them directly at ###-###-#### Thank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I'm not sure what this is doing but the loan is closed because I paid it....do I think I should have NO Do I think they manipulated the situationYES Do I think the salesman liedYES Do I think there business practices are sketchyYES They won't do business with me because they manipulate things Even there CSR couldn't tell me where this money came from That there was no way to have principal but almost $dollars in interest when I paid it off as soon as I got the bill day's before the due date In fact I would have paid upfront if everyone was honest because daily interest is ridiculous Regards, Jenni [redacted]
We would like to thank Ms [redacted] for her additional correspondence As previously stated, entering in to a loan agreement can be stressful and is not something to be taken lightly At this point, Ms [redacted] is responsible for the balance in it's entirety Comparing a Revolving Credit Agreement loan for three air filters to an auto loan is difficult to do and are two very different things Many factors have to be considered if we consider repossessing the collateral There are fees, charges, and the uncertainty of the condition of the collateral before making a determination as to what they could be re-sold for Ms [redacted] may be better off attempting to sell the filters herself and paying the loan off to avoid any future issues I have been in contact with the Dealership that sold Ms [redacted] the filters and no final arrangements have been made as we are still researching this Therefore at this time Ms [redacted] is expected to adhere to the terms of the contract she signed If Ms [redacted] has any further questions regarding this, she may contact me directly at ###-###-#### Thank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] while most of the information is correct, what was left out is I did speak with dan on different occasions whom said he will have the service department call to schedule the appointment, and no one has called to schedule Regards, Vaughn ***
We wish to thank Ms [redacted] for bringing her concerns to our attention She is a valued customer and we hope we can provide some clarity to her situation On July 6, Ms [redacted] financed solar products through Aqua Finance, Inc She was offered a promotion on her loan that states the following: The APR will have an introductory rate of 5.9% for the first months The APR will be 13.99% after months The minimum monthly payment factor disclosed on this Revolving Credit Sales slip is hereby reduced to 1.0% for the first months The minimum monthly payment factor will be after months (See Revolving Credit Agreement for full description of minimum monthly payments.) Ms [redacted] signed this Promotional Credit Plan Addendum on July 6, I am including a copy for her to reference Her minimum monthly payment for the 1st months was $ Her payment increased to $as outlined in the promotion, on July 11, A billing statement generated on June 18th, provides a notice that the Introductory Interest Rate and Minimum Monthly Payment Factor is expiring I have included a copy of this for review As part of standard procedure for Aqua Finance, Incan initial call is made to our customers to verify the terms of their loan and to ensure that the equipment is functioning properly This is done before the loan is processed and the call is recorded A call was made to Ms [redacted] on July 14, and she did verify that she possessed copies of her contract and agreed to the terms She also stated the equipment was installed and working properly On July 16, Ms [redacted] ’s loan was sold to Connexus Credit Union Aqua Finance, Inccontinues to be the servicer for her loan The sale of her loan did not change the terms of her agreement We certainly empathize with Ms [redacted] ’s frustrations regarding the amount of interest paid towards her loan I have included a Statement of her Account that details when payments were made As outlined in the Retail Installment Credit Agreement, there is no penalty for prepayment and the full amount due can be paid at any time If Ms [redacted] desires to pay off in advance the full amount due, the amount which is outstanding will be furnished upon request Again, I would like to thank Ms [redacted] for reaching out to us If she has any further questions, she is welcome to contact me directly at [redacted] *** Katie [redacted] AVP – Compliance & Recovery [redacted]
We'd like to thank Mr [redacted] for bringing his concerns to our attention I have reviewed his file and it appears that this issue has already been resolved today, but I do want to provide clarity and closure for Mr [redacted] as a valued customer Mr [redacted] 's first payment was due on November 22, and the payment was received in our office on November 28, His December statement was generated on November 25th; prior to the payment being received or posted to the account Because the payment had not been received, the statement reflects a balance of two payments owed Mr [redacted] also stated that he had been calling for for a few weeks with no returned call This is unacceptable and I sincerely apologize for this Unfortunately I do not see in our records any communication with him prior to today December 19th however I appreciate you bringing this to our attention so we may investigate further Lastly Mr [redacted] states the financing was not clearly advertised to him at the time of the sale Again we apologize for this We do attempt to provide clarity regarding the financing during our initial call with each customer where we verify the terms of the loan and ask if there are any questionsThis call was completed with Mr [redacted] on October 21, Again we'd like to thank Mr [redacted] for contacting us I do see that arrangements to pay the loan in full were made today and we appreciate Mr [redacted] as a customer If he has any further questions, he may contact me directly at 1-800-234-extension Thank you.Katie [redacted] AVP - [email protected]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.The installation of the system is finally installed satisfactorily, I hope, after the damage of small, continuous leaks This doesn't resolve the fact that now the wood under the sink has been damaged This only partially resolved my issue The dishwasher was finally reconnected, the hole which surrounded the spout has been corrected and the garbage disposer is now working properly again Imagine my surprise to find out they had unhooked the garbage disposer and dishwasher in order to install the water system Who does that?! Although I am happy about these items being corrected, I am displeased about the molded wood that is now under the sink I would NOT ever recommend this company or any like it to someone I would expect that when a company is trusted to do a job to your family home, that job is done with expertise and respect I'm now apprehensive to even switch from AT&T cable to Dish Then to add insult to injury, they had the audacity to say there was already damage under the sink prior to the system being installed into a year old home If I had not continually complained and reached out to the Revdex.com my complaints would have continued to go unheard [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Craig ***
We would like to thank Ms [redacted] for her follow up to our response In her response she refers to sales agents "you" (we) send to "targeted neighborhoods" Aqua Finance, Incis a finance company in Wausau, Wisconsin Each dealership we conduct business with is independent and is not affiliated with our company We do not send agents to neighborhoods The contract and credit application signed by Ms [redacted] in May of was sent to Aqua Finance by Indiana Refined Water Consultants Her loan was approved and we then lent her the money for the purchase she made I would like to reiterate the information from our initial response that Ms [redacted] verified the terms of the loan on May 29, Calls were made to Mrand Mrs [redacted] beginning in July of regarding delinquent payments on the loan We had sent multiple letters in an attempt to contact Mrand Mrs [redacted] in regards to their loan and unfortunately were unable to make contactAs stated in my previous response, I would be happy to speak to Ms [redacted] personally regarding the UCC lien on her property or negotiating a mutually beneficial agreement to assist her She may contact me at ###-###-#### Thank you [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I will be filing a fraud report in order to have the hard inquiry removed from my credit reportVictoria [redacted] will also be filing oneThank you for your time with this matter Regards, Andrew ***
We'd like to thank Ms [redacted] for providing us with her detailed concerns regarding this matter Her complaint details at length claims made against AquaFeel Solutions As the finance company we can unfortunately not attest or respond to these claims as we were not present and are a separate entity from AquaFeel Solutions We have reached out to AquaFeel Solutions and they provided us with records on the [redacted] account Based on the information received by AquaFeel Solutions, the complaint was initiated April 18, Ms [redacted] stated at that time the system was not working properly A water test was conducted and failed and Ms [redacted] was told she would have to wait hours to cycle the water ON May 15, Ms [redacted] called AquaFeel Solutions and a message was left for a returned call Approximately minutes later a supervisor contacted her and was told by a third party that she was unavailable On May 26, AquaFeel Solutions spoke with Ms [redacted] again and offered her several options to rectify the situation including a brand new system installed for free, additional soap and a $gift card Ms [redacted] rejected these offers and said it was not enough Based on the information provided we believe AquaFeel has made reasonable attempts to resolve this matter We are unsure what Ms [redacted] wants There was a problem, AquaFeel attempted to resolve it and Ms [redacted] chose to reject their resolutions Aqua Finance's position is that satisfactory attempts were made to assist her and believe this matter is closed We are unable to cancel the loan and the contract remains legally enforceable If Ms [redacted] would like to discuss further she may contact our office at ###-###-#### extension *** Thank you Katie [redacted] AVP - Compliance [redacted]
We would like to thank Ms [redacted] for bringing her concerns to our attention On May 28, her loan with MBC Investments, LLC/Aqua Finance, Incwas sold to Global Acceptance located in Des Moines, IA We have not sent her any correspondence since May 21, and believe that she may be receiving correspondence from Global Acceptance I encourage her to contact them directly at ###-###-#### Thank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I'm not sure what this is doing but the loan is closed because I paid it....do I think I should have NO Do I think they manipulated the situationYES Do I think the salesman liedYES Do I think there business practices are sketchyYES They won't do business with me because they manipulate things Even there CSR couldn't tell me where this money came from That there was no way to have principal but almost $dollars in interest when I paid it off as soon as I got the bill day's before the due date In fact I would have paid upfront if everyone was honest because daily interest is ridiculous Regards, Jenni [redacted]