We are sorry that you are unhappy with your purchase. We are a finance company, with no relationship with the sales company, other than that we finance their sales from time to time. However, we have financed this product for the seller for many years, and the product has a great...
reputation in the industry. I own the product myself. It is our belief that your family is safer because you have the alarms.As a finance company, the best that we can do is offer to reduce your monthly payment, from $89.86, to $59. This will not reduce what you owe in total, and will extend your account about twelve more months, but will not cost you any more interest. In essence we are offering you twelve months of your loan interest free. I will make the changes on your account. If you do not want the reduced payment, please let us know.Sincerely,[redacted], President, AEI
We are sorry the buyer is unhappy with the purchase. American Enterprises is a direct sales finance company with no relationship with the sales company other than we purchase their contracts from time to time. Before a purchase, we verify the terms of the contract with the buyer, which...
in the case of Ms. [redacted], we did on April 7th at 9:28 a.m. At that time Ms. [redacted] did not express any concerns about the purchase, and verified the terms and that she had the merchandise and answered our security question of her mother's maiden name as [redacted]. The three day cancellation period is clearly stated on the contract, and our contact with Ms. [redacted] was well after the expiration of that period of time. We purchased the merchandise for Ms. [redacted], and we cannot get our money back unless the dealer that sold her the merchandise agrees to cancel the sale and refund us.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11935071, 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.]
Regards,I never talked to anyone from Finance company until I had to start making payments. The woman who sold me the vacuum told me everything and went over the terms with me. They have called me 3 time in the last 60 day THREATENING me trying to get me to make a payment. The last guy was really hostile and also admitted that they don't have the back of the finance agreement on file. I am still dealing with Filter Queen as they are the root of the issue.
Rosa [redacted]
Hello -The buyer contacted us in February of 2015 to ask what their payoff was, which we gave to them as 2667.27. Later that day they made a payment of 2000.00. They then called again that day, and we notified them that they still owed 667.27 to pay their account...
off. They contacted us again on 9/22/16 saying that they thought their account was paid in full, and we notified them of their new payoff amount. We contacted the buyer recently because their account was past due. Their payoff amount as of today is 1268.69. Please let us know if we can be of further assistance. We apologize if any of our communications were not clear, however based on the narratives on the account, everything seems in order.We do not record phone calls. Rick C**, President
Mr. [redacted] got into delinquent status, apparently due to our company being unable to draft a payment from his checking account. Mr. [redacted] has paid every other payment on time. I am sure that there was just a misunderstanding. Our representative called regarding the late...
payment, and it sounds like one thing or another led to a heated conversation. Our goal is to keep our cool. I apologize if we did not do that.
Dear Mr. [redacted] -Thank you for the followup. If one of our employees told you that your call was recorded, I apologize. I will get to the bottom of it and make sure that if it did happen, that it does not happen again. As far as the amount you owe to payoff your account, that payoff is available any time at your request. When you called us on 2/9/15 for a payoff amount, we quoted you $2667.27. You then paid us that same day the amount of $2000. This payment advanced your next due date well into the future, which is why you then received statements showing that no payment was due, but it did not pay your account off. You called again later the same day to check on your balance, and we informed you that you still owed $667.27 to be paid in full. I am not sure where we went wrong in our communication, but the narratives that we entered on your account seem clear. The statement that you are responsible for the entire financed amount even if you pay off early is correct. That amount is always due in full. However, if you pay off early, only the interest due up to that date is owed, the rest of the interest written off. We did not issue any false documentation. If you want to e-mail us anything directly, please e-mail to [email protected]. Your balance as of today is $1371.76, and your payoff amount is $1268.69. Because you seem to sincerely believe that we did not inform you properly of your payoff, we will accept $900 as a payoff if payment is made on or before October 31, 2016. Sincerely,Rick C**, President, AEI
Thank you for your response. However, your employees have lied to me. The last time they called, they said that it was recorded. So when the disput came up of whether we were misinformed or not, I asked to hear it. When I asked, the woman said that she didn't have access to it now that it would take time. It is unethical to lie to customers and to mislead them. Your employees have mislead and lied to me. I know for a fact had the amount to pay off was only less than $700, I would have paid it off them. I was told that there was no pay off amount. I was told that I was on the hook for the entire financed amount until the loan was paid off. Even if I paid it off early. That is why I never paid it in full. So someone at your company has put false documentation. Next, you never addressed the issue about the invoices that were received that all said 0.00 due. I was told to email them to someone. Can't email them to that person unless they give an email address. I would also like to address the fact that the last time your company called my wife, you have her a panic attack and I said that to the woman. Never received an apology or anything. Do you only care about the bottom line and that's money or do you have an ethics policy on how to treat your customers?Sincerely,Jamie L[redacted]Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11754618, 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.]
Regards,
Jamie L[redacted]
American Enterprises is a finance company unrelated to the sales companies that we finance. If the sales companies make any offers to the buyers related to terms, they are included in the contract, such as an offer of 12 months same as cash, or things like that. I would like to review the paragraph that the buyer mentions in her last response. We verified all terms of the contract with the buyer over the phone before we agreed to purchase their equipment for them. We have been financing the direct sales industry for over 50 years, and have never run into a contract that offered to refund all interest after the account was paid in full. If we can get detail of the paragraph in which the buyer feels she was misled, we can review. Thanks.
We are sorry that you are unhappy with your purchase. We are a finance company, with no relationship with the sales company, other than that we finance their sales from time to time. However, we have financed this product for the seller for many years, and the product has a great...
reputation in the industry. I own the product myself. It is our belief that your family is safer because you have the alarms.As a finance company, the best that we can do is offer to reduce your monthly payment, from $89.86, to $59. This will not reduce what you owe in total, and will extend your account about twelve more months, but will not cost you any more interest. In essence we are offering you twelve months of your loan interest free. I will make the changes on your account. If you do not want the reduced payment, please let us know.Sincerely,[redacted], President, AEI
We are sorry the buyer is unhappy with the purchase. American Enterprises is a direct sales finance company with no relationship with the sales company other than we purchase their contracts from time to time. Before a purchase, we verify the terms of the contract with the buyer, which...
in the case of Ms. [redacted], we did on April 7th at 9:28 a.m. At that time Ms. [redacted] did not express any concerns about the purchase, and verified the terms and that she had the merchandise and answered our security question of her mother's maiden name as [redacted]. The three day cancellation period is clearly stated on the contract, and our contact with Ms. [redacted] was well after the expiration of that period of time. We purchased the merchandise for Ms. [redacted], and we cannot get our money back unless the dealer that sold her the merchandise agrees to cancel the sale and refund us.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11935071, 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.]
Regards,I never talked to anyone from Finance company until I had to start making payments. The woman who sold me the vacuum told me everything and went over the terms with me. They have called me 3 time in the last 60 day THREATENING me trying to get me to make a payment. The last guy was really hostile and also admitted that they don't have the back of the finance agreement on file. I am still dealing with Filter Queen as they are the root of the issue.
Rosa [redacted]
Hello -The buyer contacted us in February of 2015 to ask what their payoff was, which we gave to them as 2667.27. Later that day they made a payment of 2000.00. They then called again that day, and we notified them that they still owed 667.27 to pay their account...
off. They contacted us again on 9/22/16 saying that they thought their account was paid in full, and we notified them of their new payoff amount. We contacted the buyer recently because their account was past due. Their payoff amount as of today is 1268.69. Please let us know if we can be of further assistance. We apologize if any of our communications were not clear, however based on the narratives on the account, everything seems in order.We do not record phone calls. Rick C**, President
Mr. [redacted] got into delinquent status, apparently due to our company being unable to draft a payment from his checking account. Mr. [redacted] has paid every other payment on time. I am sure that there was just a misunderstanding. Our representative called regarding the late...
payment, and it sounds like one thing or another led to a heated conversation. Our goal is to keep our cool. I apologize if we did not do that.
Dear Mr. [redacted] -Thank you for the followup. If one of our employees told you that your call was recorded, I apologize. I will get to the bottom of it and make sure that if it did happen, that it does not happen again. As far as the amount you owe to payoff your account, that payoff is available any time at your request. When you called us on 2/9/15 for a payoff amount, we quoted you $2667.27. You then paid us that same day the amount of $2000. This payment advanced your next due date well into the future, which is why you then received statements showing that no payment was due, but it did not pay your account off. You called again later the same day to check on your balance, and we informed you that you still owed $667.27 to be paid in full. I am not sure where we went wrong in our communication, but the narratives that we entered on your account seem clear. The statement that you are responsible for the entire financed amount even if you pay off early is correct. That amount is always due in full. However, if you pay off early, only the interest due up to that date is owed, the rest of the interest written off. We did not issue any false documentation. If you want to e-mail us anything directly, please e-mail to [email protected]. Your balance as of today is $1371.76, and your payoff amount is $1268.69. Because you seem to sincerely believe that we did not inform you properly of your payoff, we will accept $900 as a payoff if payment is made on or before October 31, 2016. Sincerely,Rick C**, President, AEI
Thank you for your response. However, your employees have lied to me. The last time they called, they said that it was recorded. So when the disput came up of whether we were misinformed or not, I asked to hear it. When I asked, the woman said that she didn't have access to it now that it would take time. It is unethical to lie to customers and to mislead them. Your employees have mislead and lied to me. I know for a fact had the amount to pay off was only less than $700, I would have paid it off them. I was told that there was no pay off amount. I was told that I was on the hook for the entire financed amount until the loan was paid off. Even if I paid it off early. That is why I never paid it in full. So someone at your company has put false documentation. Next, you never addressed the issue about the invoices that were received that all said 0.00 due. I was told to email them to someone. Can't email them to that person unless they give an email address. I would also like to address the fact that the last time your company called my wife, you have her a panic attack and I said that to the woman. Never received an apology or anything. Do you only care about the bottom line and that's money or do you have an ethics policy on how to treat your customers?Sincerely,Jamie L[redacted]Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11754618, 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.]
Regards,
Jamie L[redacted]
American Enterprises is a finance company unrelated to the sales companies that we finance. If the sales companies make any offers to the buyers related to terms, they are included in the contract, such as an offer of 12 months same as cash, or things like that. I would like to review the paragraph that the buyer mentions in her last response. We verified all terms of the contract with the buyer over the phone before we agreed to purchase their equipment for them. We have been financing the direct sales industry for over 50 years, and have never run into a contract that offered to refund all interest after the account was paid in full. If we can get detail of the paragraph in which the buyer feels she was misled, we can review. Thanks.