|
10633795
|
2024-10-30
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-10-30
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Consumer Consent Provided |
N/A
|
|
|
10936965
|
2024-11-26
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Complaint What Happened |
XXXX XXXX and Aqua Finance Inc. have worked together to exploit customers, under the guise of providing affordable lending for home improvement projects. XXXX XXXX completed an assessment, counseling, drafted an agreement, and completed work to provide me with a new roof under the presumption that I would later pay back the worth of this product, that I had to borrow money to afford. Aqua Finance Inc. became the lender that I would eventually have to pay back for the new roof. While on the surface this seemed like a good transaction, it has revealed itself over the last year to me, as an otherwise foul profiteering scam, ensued by two businesses who wish to solely make money off of their customers while stating they have their best interests in mind. I have been doing research now into both of these companies and am absolutely appalled by the breadth of information I've found showing they both have engaged in foul and illegal business tactics for years. The XXXX of XXXX XXXX have been found guilty of illegally applying for and accepting upwards of XXXX in unemployment funds, that they should've never received. Aqua Finance has been in a number of lawsuits and most recently had to pay out a multimillion dollar suit to a plethora of customers who they bamboozled and took advantage of ... the list goes on and on. I would have NEVER gone into business with either of these companies had I known any better at the time. I truly believed they were here to help me out ( because that's what they said and sold to me ) and instead, I have been met with the grief of learning that they are actually full of liars, cheats, and that they extort those who fall victim to their manipulative sales tactics. I now find myself after a year of paying down my loan from Aqua Finance Inc., to have made little to no progress in lowering my principle. This caused me to do the initial digging into my loan, contract, their services, etc. I've received no explanation to the terms of this contract in a way that was absorbable, have been lied to, have had calls dropped, have been met with dissuading tactics that allow them to avoid accountability, have experienced hostility from their customer representatives, have yet to receive information I requested in regards to the details of my contract, and so much more. I've been trying to renegotiate my loan terms, the abusive interest rates, and more with these companies to no avail. It is clear to me that the absurd business practices they've been found guilty of, continue to affect the lives of so many people. The amount of complaints about these companies is incredibly alarming and the fact that they are still allowed to exist and conduct business in this manner, is unethical and should cease immediately. I have no faith that these harmful lending companies or practices will end and instead work to try and report them in hopes it will shed light on these places, so that others may avoid falling into the same traps I have. I would have rather lived in my XXXX XXXX XXXX house with a leaking roof than be where I am today, stuck in this loan, with a company who clearly doesn't value or care about customers like me. I truly hope there can be a mutually responsible and ethical approach to reconciliation of the damages done to me and others by these deceptive companies, but am falling short on faith. My sincerest wish is that someone out there will see the harm done by them and hold them accountable for it, because it's been made utterly apparent that they feel like they can just do this with no remorse or fear. Which is sick, wrong, and shouldn't be allowed to persist.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10307372
|
2024-10-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-22
|
| Complaint What Happened |
Today I found out a company called Carmel Financial Corp but a lien on my home for a water system that was sold to them from XXXX XXXX. XXXX was files XX/XX/year>. I was never told that my home would in danger of being taken if debt was not paid by XXXX XXXX or company that came to my home. Contract was not explained to me correctly. On XX/XX/year>, they filed lien and never sent me paperwork. I was not able to even fight.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7946013
|
2023-12-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-05
|
| Complaint What Happened |
In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7945628
|
2023-12-05
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-05
|
| Complaint What Happened |
In accordance with the fair credit and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9724980
|
2024-08-06
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6204816
|
2022-11-16
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-16
|
| Complaint What Happened |
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3437995
|
2019-11-13
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
No
|
| Company |
Aqua Finance, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-11-13
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-13
|
| Consumer Consent Provided |
N/A
|
|
|
5405825
|
2022-04-04
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Other
|
|
|
5755441
|
2022-07-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-07-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-10
|
| Complaint What Happened |
A company by the name of XXXX remodeling replaced the roof of my house through financing and took out a loan of XXXX with Acqua Finance. Only XXXX was used on the roof, materials were bought for XXXX and talent by XXXX XXXX. I explained this to Acqua Finance and I was told that there is nothing they can do since the dealership is not answering their phone calls and even though I showed them proof.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3436787
|
2019-11-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Aqua Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2019-11-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-13
|
| Consumer Consent Provided |
N/A
|
|
|
3474942
|
2019-12-21
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
No
|
| Company |
Aqua Finance, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3467420
|
2019-12-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Aqua Finance, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2019-12-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-13
|
| Consumer Consent Provided |
N/A
|
|
|
3189934
|
2019-03-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Aqua Finance, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-24
|
| Complaint What Happened |
I keep calling the number they have and Im getting the run around.
I see a report by aqua finance and i never had an account with them.
|
| Consumer Consent Provided |
Consent provided
|
|
