RTO National

On February 13, I was applying for credit with my husband R*** H*** to purchase a Utility Building from *** *** *** in ***, NCThe company they use for financing is RTO Finance LLC, ** *** ***, ***, South Carolina ***I was trying to get the low interest rate advertised for 9.9% and borrow he amount needed of $12,to purchaseI authorized along with my husband to check our creditLater that day I received a call from the sales lady at *** D*** that there was a freeze on my credit and I needed to take it offI told D*** with *** *** I would be back on February 14th, to take care of it On February 14th I returned to the officer at *** ***I arrived around on February 14th, and called Equifax and had the freeze taken offAbout hour later I received an email from RTO financial stating my credit score was I also was told by D*** at the *** *** that I was being office

Good company to work with !

I entered into a contract with RTO national on DEC 22,via *** BuildingsThe contract was for "rent to own",, with a same as cash option Before the delivery I contacted rto to get my account number, they stated that it would be generated when the the building was deliveredThe building was delivered on or about Jan10thAs instructed I called the same day to confirm that I was going to do the 90days same as cashThe rep informed to make my final payment by calling in , because the online system will not recognize a pay off On 1/i paid 1,300, after my intial down payment of on DEC Called rto to get info on why the balance did not show onlinei was told that it was by designSo I asked what the exact remaining balance was so I could pay it off prior to Feb the 1st.....THIS IS WHERE THE PROBLEM BEGAN I was told my pay off was which would bring my total oop to When the amount on my contract showed the total cash price is When i

We are sorry to hear you are disappointed with our services. RTO would like to point out a few items that will hopefully provide clarity . Our rent to own agreements receive a coupon bookWe have never sent statements as this is a month to month contract. At any time our
customers have the option to return the buildingThe rent to own agreement the consumer signs details in section 4, 5, and the rental payments, rental ownership, and the early purchase option. We would be more than happy to provide an additional copy of the rent to own contract should the customer contact our office

*** *** Revdex.com Response ID#*** 11/16/ On 6/8/*** ***, rented a 10xA Frame Shed color: Burgundy & White Mrs*** signed a month consumer rental purchase agreementOn 6/8/she paid $using her Visa card for her 1st month and last month
rent plus a $administrate feeThe first rental payment due on Mrs***’s account was due 8/5/in the amount of $107.00, Mrs*** made a $payment online on 8/6/and $was applied to her rental account the breakdown is as follows August 5th monthly rental payment of $+$late fee for a total of$and $was credited to her escrow accountThe escrow account is utilized for customers wishing to pay over the amount due on their accountOn 9/5/a payment of $was pulled from Mrs***’s escrow and posted to her rental payment due on 9/5/in the amount $107.00, according to our records Mrs*** also made an online payment later the same day for $which $applied for another rental payment making next rent due 11/5/and applied the remaining $to customer escrow accountMrs*** called and spoke with Linda (accounts manager) on Thursday 9/29/and advised Linda she did not want to pay the month contract and requested the shed to be picked upThe pickup was submitted and activated on 10/5/which is company policy once a weekThis was around the time we experience the storm from Hurricane Matthew in her area and the according to our contract driver he was unable to pick up due to weather conditionsMrs*** reached out to our Retrieval Depton 10/27/and Crystal advised her of weather situation delay and we are attempting to pick up the shed in a timely mannerCrystal advised Mrs*** once the unit is picked up and fully inspected a request for refund check would be madeA refund check in the amount of $was mailed to Mrs*** on 11/17/to *** *** Rd*** ***, NC We sincerely apologize for the hold up in this matter

I contacted this company three different times to get my payoff amountI was told three different times different amounts and with no explanation on why they keep giving me different balances

I hate this company they are scam artist, first I pay all my bills online including utilities and it is the only site that does not tell you your balance!! Every time I wanted my balance I had to call in and they're very abrupt and rude when you do! Also every time I call in I get a different balance, shady shady shady! If you make a purchase and you see RTO NATIONAL associated with it, Do Not do it!!!!!

The purpose of this complaint is because this company refused to return money back to my bank in an error that my bank sent it to themI made one payment to this company by transfer on September 21,for $and set the next payment up for October 15, 2016, to be transferred to them on October 15, But the Bank made a mistake and sent the Company both payments on the same day, the one for October and the one for September both reached them on September 26, I contacted my Bank of this error on the twenty six of September to let them know what took place with these payments and they contacted the RTO NationalMy bank is *** ** *** who told me that the money would be back into my account in twenty four hourWhen the money was not in my account at that time I contacted the bank againMy bank told me that they did contact RTO National and asked them to return the money back to my account but they would not, but told my bank that they would mail the $to me

Mr*** entered in to a month Consumer Rental Purchase agreement on May 23, Per Mr***'s agreement ( section 5) "If you make monthly payments, including tax, for a total of payments of $4,including tax (but not including other charges or fees), and otherwise comply
with this agreement, you will acquire ownership of the property, and we will give you a paid receipt." Section of the agreement states "You can purchase the property at any time by paying us as follows: the total of all remaining rental payments for ownership ( not including any frees or taxes) times 65% plus sales tax." On April 11, 2017, Mr*** elected to exercise his early pay out optionThe early payoff option quoted was $ 2,Mr*** paid $2,with a MasterCard as he had cents in his escrow account applied to the balance and his deposit of $79.47, leaving a remaining balance due of $2, A copy of Mr***'s Consumer Rental Purchase Agreement can be provide upon his request

Purchased a building from a local company that does the financing through RTO NationalI paid $for the buildingLast spring I paid them $to go toward paying the building off earlyIn my contract it states no early pay off penaltyThe money I paid went to a escrow accountHow does a $building have an escrow account? I've been trying to contact them to resolve the issue with very little responseAccording to the statement that I finally got them to send me, I paid $ for the buildingHow? As of right now I'm out of $due to $still being in the escrow account of the $I paid last summer

We are glad Mrs. *** is happyShe has request an updated document, we don't have an updated documentAs previously communicated her paid out receipt is valid and her account is closed/paid

According to our records MrW***'s consumer rental purchase agreement is current. His next payment is due February 5th . Mr. W*** is requesting a correction to his credit report, we do not report to the credit bureaus and will not in the future

*** The refund check mailed to *** *** on 10/6/has been returned to our office marked “Return to Sender Vacant” Unable to forward The address as discussed with you earlier is the address *** *** provided us with; ** *** *** *** ** *** What would
you or *** *** like for us to do with the check? We would be happy to scan to you as proof of our attempt to mail to *** *** her refund as requested, please advise Thanks,

RTO had a prepossessed storage building at *** Buildings here in KnoxvilleThe owner *** *** filled out their paperwork and entered my debit card in RTO's systemThey charged my card the $then claimed that they didn't receive the paymentRTO first said my bank had a hold on the moneyI have spoke to my bank, there is no holdMy bank went on to tell me the exact time that it went thru and then gave me the transaction number and the sequence number to prove that RTO received paymentYet, RTO claims my bank screwed upThey refuse to give me the building I have paid for & they refuse to refund my moneyLooks like I will have to go see an attorney to get this resolved

Ms.H***'s dispute is in regards to her credit score that Equifax reported to RTO Finance LLC. MsH*** needs to file a dispute with Equifax if she believes her credit score is incorrect

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12099163, and have determined that this does not resolve my complaintI wish to have all my money I have paid on the building plus additional
compensation for signatures they have forged, I want $***This business has drug my name through the mud, if no agreement on their end I will be filing a lawsuit against them.
Regards,
*** ***

The customer did put down a total initial payment of $600 which included a $406.25 security deposit, however, listed under item number two of the contract is a Customer Reserve Account (CRA). This is an option to deposit money into an account which will reduce the amount of the customer’s...

monthly payment. Any amount that was paid that exceeded the required security deposit may be used towards the customer’s Early Purchase Option. Since the customer did not put more money in her CRA than the required security deposit, no amount in her CRA would be able to be applied to her EPO. The customer chose to deposit $406.25 into her CRA which would reduce her monthly payments from $202.65 to $178.75.   The customer is on a 24 month lease agreement with a monthly payment of $178.75. If the customer was to choose to pay all 24 monthly payments, her total of payments would be $4,290. The customer has paid a total of $2350 to RTO National which includes a positive escrow of $741.25. Using that escrow the customer may pay off the building for $597.04. When the customer states she will be paying over $6,000 we are unsure where she is getting this figure.

Mrs. [redacted] entered into a Consumer Rental Purchase Agreement on January 18,2017. As stated on page 1 section 3 of the Consumer Rental Purchase Agreement "This Agreement begins on the date of delivery and expires the 5th of the month following one month from the date of delivery. You can renew this...

Agreement at your option for additional one-month terms by making a rental renewal payment on or before the 5th of each succeeding month."We are unable to change Mrs [redacted] due date, all our customers contracts have a common due date of the 5th, this was communicated clearly to Mrs. [redacted] and also communicated we would gladly work with her but if we don't get a rental payment by the 7th day after the renewal date (5th) she would occur a $9.00 late charge. A copy of her agreement can be provided if needed.

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

Mr. S[redacted] was misinformed regarding his refund. He entered in to a consumer rental purchase agreement with RTO National.  Our customers have the option to return the product at anytime and a refund of the deposit.  RTO National called Mr. S[redacted] and explained to him his deposit would be...

returned once the building has been picked up.    We are in the process of scheduling a contract driver to pick up his building.   Mr. S[redacted]'s complaints regarding the quality and craftsmanship of the building would need to be directed with the dealer who sold him the building and the manufacturer.  RTO National provided the financing.