Aqua Finance, Inc.

This complaint is regarding an Aqua Finance loan connected to a water softener purchase made in XX/XX/2023. My fiance and I were approached shortly after buying our townhome by a salesman from XXXX XXXX XXXX and were persuaded to finance a water softener system through Aqua Finance during an in-home sales presentation. The entire transaction was very rushed and the salesman acted as though he was helping us by completing the application for us so we could just get it over with. Looking at the application now I see the salesman knowingly imputed inaccurate information regarding how long we had been living in our home. This false information may have qualified us through their system without truly being qualified. I now carry a balance I can never effectively pay down on a line of credit that I never fully understood I was agreeing to.…

Due XXXX a system error on their end, the automatic payments for XXXX XXXX XX/XX/year> were not processed on time. The company acknowledged the mistake XXXX promised XXXX rectify the error reported XXXX the credit bureaus, but they never did so ; they also agreed XXXX provide a letter accepting responsibility for the error so I could dispute the late payment records, but they failed XXXX follow through.

I overpaid a loan with XXXX XXXX on XXXX. They sent a refund check of {$170.00} that got returned unpaid to my bank. I have called weekly since and keep getting excuses and check is in the mail. Today I learned from an agent there that this is happening to a LOT of their customers. No resolution in sight.

Have have tried contacting them for multiple months email and phone call explaining that I need my contract via email so that the other person in the account can refinance and take my name of the account and I cant do so if they dont email me my contract I contacted XXXX XXXX on the website following the instructions that say contact us leaving my email and everything and still nothing.

My husband applied for financing through Aqua Finance , Inc in XXXX of XXXX for a water softenersystem for our home. At the time, the agent said they needed my information to verify my identity and my signature to authorize the installation because I am co-owner of the house. In XXXX of XXXX my husband filed for bankruptcy, after which I found that my credit score dropped significantly. Upon investigation, I found negative remarks from Aqua Finance for late payments on that account with me listed as a co-borrower. After contacting them for a copy of the loan documents, I discovered that the digital signature their agent obtained to " authorize installation '' had actually been used fraudulently for the financing application. I also found that they had fraudulently listed an income of {$1.00} under additional income with " RetirementSSI '' as the source in order to list me as a borrower.…

Complaint Regarding Aqua Finance XXXX Loan I am requesting an investigation into Aqua Finance 's handling of my XXXX financing account. I originally signed this loan as a co-signer. I am not the homeowner where the HVAC system was installed, and I was not the primary borrower. After the loan was established, the original borrower requested to be removed from the account. Aqua Finance subsequently removed the original borrower and left me as the individual solely responsible for the loan. I dispute this action because I do not believe I knowingly agreed to assume sole responsibility for the debt or that I was provided with a clear explanation of the legal effect of removing the primary borrower. I am requesting that Aqua Finance provide all documentation showing the authority for releasing the original borrower and making me solely liable for the account. Specifically, I request copies of : * The original loan agreement.…

I have contacted aqua finance several times over the last year regarding my payments not being applied correctly after the 6 month of the loan. The balance has increased on multiple occasions rather than decreasing. The payments are not being applied correctly to principal and interest or at all in some cases. I have spoke with someone about this on several occasions and asked them to provide me documentation which they said would be within 72 hours. I have never received the requested information and payments are still being mis-allocated. They need to reevaluate my loan from the beginning to get the loan balance amount correct as well as apply my payments correctly!

In XX/XX/year>, I financed a home water filtration system through Aqua Finance. I was not clearly informed that the loan would be for XXXX XXXX XXXX XXXX XXXX ) at 13.99 % interest. The total cost and long-term financial impact were not properly disclosed at the time of signing. After making payments, I noticed that almost all of my payment was going toward interest instead of principal. I contacted Aqua Finance to request a clear explanation of the loan terms, how my payments were being applied, and why the balance was not decreasing. I also requested a payoff amount and clarification of the disclosures I should have received. Aqua Finance did not provide the information I requested. They did not explain the interest structure, did not address my concerns about misleading or incomplete disclosures, and did not offer any resolution. I believe the financing terms were deceptive and not properly explained before I agreed to the loan.…

Aqua Finance Inc completely deceived us about the terms and conditions of the loan the water treatment services and maintenance fees. We got locked into a very high interest rate that was not provided to us nor explained to us prior to getting the treatment installed and getting the loan. We have seen this company is in a lawsuit for doing the same thing to millions of people. We would like to see if we can be a part of this lawsuit that was established by the FTC as we do fully believe we were deceived in the same way as others.

Company : Aqua Finance , Inc . Account : XXXX Complaint : I am filing this complaint against Aqua Finance , Inc. regarding a financed purchase of a water treatment system. I was approached by a salesperson who used high-pressure sales tactics to convince me to sign a financing agreement for {$8400.00}. I was not given adequate time to review the contract terms, and the cancellation rights were not clearly explained to me. The incredibly delinquent interest rates were not explained. I was rushed to sign and it was explicitly explained that I could cancel anytime. I have contacted Aqua Finance to request cancellation of the contract and return of the equipment, but they have refused and are demanding I pay the full remaining balance of {$7500.00}. I believe the sale involved deceptive and misleading practices. I am requesting the CFPB investigate this matter and help facilitate the cancellation of this contract and return of the equipment.…

I am submitting this complaint regarding Aqua Finance , Inc. concerning a roofing loan that was originally obtained for a property owned by my late mother. The roofing work was performed by XXXX XXXXXXXX XXXX XXXXXXXX. Although the actual cost of the roof was approximately {$18000.00} the financing amount through Aqua Finance exceeded {$22000.00}. Over the years, despite payments being made, the balance failed to decrease appropriately, and excessive interest and additional charges continued to be added. After my mother 's death, Aqua Finance began attempting to hold me personally responsible for the remaining balance, claiming that because I was listed as a point of contact and successor in interest of the property not the borrower, I am liable for the debt. I dispute this claim. I never signed as a borrower, co-borrower, guarantor, or otherwise agreed to assume this obligation.…

URGENT : Co-Signer Credit Reporting Dispute Causing Immediate Financial Emergency I am filing this high-priority complaint against Aqua Finance , Inc. regarding unfair late payment reporting. I am a co-signer on this boat loan. This negative reporting has severely damaged my personal credit score, resulting in an active loan denial and creating an immediate financial emergency for me. I am currently in jeopardy of losing a time-sensitive financial transaction due to these marks. While a payment may have been inadvertently missed by the primary borrower, I am a co-signer who was not properly notified of the delinquency before it hit my credit report. This account otherwise maintains a strong payment history.…

I am filing a formal consumer protection complaint regarding illegal payment packing, material financial misrepresentation, and intentional document concealment orchestrated by XXXX XXXX and financed via Aqua Finance. During late-night, high-pressure contract negotiations on Friday, XX/XX/XXXX, XXXX Manager XXXX at the XXXX XXXX location engaged in systemic predatory lending tactics to force the execution of a high-interest consumer loan : Document Alteration & Fraudulent Menus : XXXX Manager XXXX utilized a non-compliant warranty menu XXXX hand-writing arbitrary monthly payment amounts and physically scribbling out the XXXX insurance line item. The exact cash costs of the packed third-party warranties and ancillary packages ( including a XXXX dollar couch add-on, a backup camera, and an accessory package ) were intentionally concealed.…

In XX/XX/year> we purchased a home water filtration system through superior water quality who used aqua finance as their finance company and we finance through that company. We were making payments to the company and a year later we started having problems with our water filtration system so we attempted to reach out because we were supposed to have a 10 year warranty and found out that the company went out of business right after they sold us our system. So we were informed there was another company that was honoring the warranty. After reaching out to that company, we were informed that yes they were the new warranty company, but they dont do repairs. They will only sell us parts to fix our system, not provide parts for free under the warranty or anything like that we would have to pay for them. So we ended up having to hire another company to come out and fix our system and found out that we were sold the wrong resin filter system for our home.…

In XX/XX/2024, I cancelled an extended service warranty on my vehicle through the originating dealership, XXXX XXXX in XXXX. A refund check in the amount of {$3700.00} was subsequently issued and sent directly to my lienholder, Aqua Finance, to be applied directly to my loan 's principal balance. The dealership has verified and confirmed that this check was successfully delivered and cashed by Aqua Finance. However, Aqua Finance has failed to credit the {$3700.00} to my loan principal. Because Aqua Finance failed to apply these funds, my principal balance has remained artificially high for roughly 18 months, resulting in me being charged ongoing, compounding interest on a balance I do not legally owe. I have reached out to Aqua Finance multiple times to request a full principal balance ledger and a correction to my account, but they have failed to provide the ledger and have completely stopped responding to my inquiries for the past several weeks.…

XX/XX/XXXX, the original loan amount was approximately {$200000.00}. Later, on XX/XX/XXXX, I was informed that the project cost had increased to approximately {$500000.00}, which I never agreed to approve. In addition on XXXX XXXX, I obtained an independent estimate for the same ADU specifications from another source, and the price was significantly different {$180000.00}. I submitted this information and supporting documentation, but my concerns were ignored. I also confirm that I never personally received any of the loan funds for my own use. Because of these circumstances, I no longer wish to proceed with this project or remain responsible for this loan. I hereby formally demand : Immediate cancellation of the loan agreement, Termination of all contracts and services related to this XXXX project, Suspension of any further disbursements or activity under my name, and Written confirmation that this matter has been resolved.…

Me and my husband signed a contract with XXXX on a water filtration system for roughly {$10000.00}, were not told an interest amount by the company who financed the systems ( Aqua Finance ) or any specifics on the documentation we originally signed with XXXX. Once realizing they were charging an absurd amount of interest, which would total in over {$25000.00} if paid for the life of the loan, we requested a copy of the contract and initial agreement. ( On XX/XX/2025 via email ) They sent us the very vague contracts, which state the total being {$10000.00} but XXXX information on the terms, interest, or details of the loan. We responded that we were appreciative for those documentations as well, but that we were specifically looking for the contract with aqua finance that states the interest rate and shows how the total price goes from {$10000.00} to {$25000.00} and they never responded.…

FORMAL COMPLAINT : SYSTEMIC FINANCING DECEPTION, CREDIT MANIPULATION, AND FRAUDULENT TAX IDENTITY THEFT TO : Consumer Financial Protection Bureau ( CFPB )/ Federal Trade Commission ( FTC ) FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COMPANY COMPLAINED AGAINST : Aqua Finance , Inc. ( AFI ) [ Co-Institution : XXXX XXXX XXXX ] COLLATERAL DETAILED : XXXX XXXX XXXX XXXX VEHICLE IDENTIFICATION NUMBER ( VIN ) : XXXX FLORIDA TITLE NUMBER : XXXX I. INCEPTION : DECEPTIVE FINANCING & OBFUSCATED LENDING SCHEME The predatory pattern of misconduct began directly at the point of sale in XX/XX/XXXX. I was initially quoted and agreed to financing terms consisting of {$0.00} Down and {$140.00} per month. The Down Payment Escalation : The day after agreeing to a zero-down contract, the terms were abruptly altered, and I was forced to pay a {$500.00} Down Payment ( for which I hold the physical receipt ).…

I have a {$54000.00} pool loan with Aqua Finance at 11.99 % APR over a 30-year term arranged through a contractor. My monthly payment is {$590.00}. After 5 years and approximately {$35000.00} in payments, my balance has only decreased from {$54000.00} to {$50000.00} a reduction of just {$4000.00}. Over XXXX cents of every dollar paid has gone to interest. The total cost of credit and amortization schedule were not clearly disclosed at origination. The FTC settled with Aqua Finance for {$43.00} XXXX in 2024 for these exact deceptive practices. I believe this loan violates the Truth in Lending Act ( TILA ). I am requesting a full investigation and loan restructuring. I am awaiting them to send me the contract so that I can then upload it to you.

I am filing this complaint regarding a water treatment system financed through Aqua Finance and installed by XXXX. I have attempted multiple times to contact the company for customer service assistance, system inspection, and contract cancellation due to lack of service and communication. My last written request was sent on XX/XX/year>, and I have received no response. Because of the company 's failure to respond or provide assistance, I notified them that the payment scheduled for XX/XX/year> would be my final payment. I requested cancellation of the contract and removal of the equipment from my home. Despite my efforts to resolve this matter in good faith, the account remains active and billing continues without resolution. I am requesting cancellation of the contract, removal of the equipment, closure of the account, and written confirmation that no additional charges or negative credit reporting will occur.

On XX/XX/year> I sent a formal written email to XXXX demanding all future communication be in writing only. Despite this, XXXX from Aqua Finance Resolution Department called me on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX and left a voicemail. XXXX transcript : " This is XXXX with the resolution department of Aqua Finance. Please return my call at XXXX extension XXXX. '' She called again XX/XX/year> at XXXXXXXX XXXX from the same number. XXXX transcript : " This is XXXX with the resolution department of Aqua Finance. Please return my call at XXXX extension 6034. '' Both calls were willful FDCPA 805 ( c ) violations same rep, same number, same extension, with direct knowledge of my written communication request. I also sent a written debt validation request XX/XX/year>. As of today XXXX days later no validation has been provided. On XX/XX/year> Aqua Finance dispatched XXXX XXXX XXXX to my home at XXXX XXXX XXXX XXXX XXXX during a confirmed account pause.…

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Obtained a 3rd party loan throygh a " solar '' company who promised to fix roof. When defects were found, the company no longer existed. We have a warranty that could not be used since the company was no longer existing, and could no longer negotiate price, nor remedy to poor workmanship, which caused damage to our home.

On XX/XX/year>, a recreational vehicle was sold and a loan payoff was issued by a credit union in the exact amount of {$98000.00}, based on a valid payoff quote provided by the lender. The payoff was made via a cashiers check issued by the credit union. The payoff check was sent via XXXX XXXX XXXX XXXX to the lenders authorized payoff address and was confirmed delivered and signed for on XX/XX/year> at XXXX XXXXXXXX As of XX/XX/year>, the lender continues to report the loan as active with a remaining balance, despite confirmed receipt of the full payoff amount. The payoff has not been applied, and the account has not been closed. This delay is resulting in continued accrual of interest and an inaccurate account balance after the loan should have been satisfied.…

XX/XX/XXXX I lost my house to hurricane XXXX. Aqua Finance offered payment relief that I accepted. I was able to get my payments in anyway. Until this point my history with them was perfect. XXXX, XXXX, XX/XX/XXXX they attempted to call me but I mistakenly thought it was a scam because my payments were going through according to my bank. When I finally talked to them, they claimed that I had late fees to pay. I shouldn't have any fees because I always pay more than the minimum amount due. They also have claimed that they didn't get my money but my bank disagrees. I pay all of my bills through online banking. They really are getting my money but are charging me fees and harassing me on the phone several times a week. Now they have stopped sending a paper bill, causing me to miss my payments. Now my credit score has gone down and my other credit cards are lowering my credit limits. This is the only creditor I have ever had problems with.

Apply for a loan for Siding XXXX for my home at that time i told them that I was NOT satisfied with the work that was done. now many years latter I just found out that they placed a Lien on my home listed it as a Charge off on my credit. Called spoke with XXXX XXXX and asked her for thee letter and the only thing she told me tht she can send me is a Payoff Letter.

Got a water filter sold to us thru a person that came to our door Not aqua finance so there was no contract sing whit them They are now charging us {$100.00} per month and the interest is {$96.00} dollars basically what goes toward our principal {$6600.00} is {$12.00} a month I called aqua finance to lower interest rate they mentioned they do not lower i also mentioned i did not sing a contract whit aqua finance and none of the interested amount charged ever discussed in that amount Otherwise why would anyone agree to that They lied and scammed

I am submitting this complaint regarding an account that was opened without my knowledge or authorization. On or around XXXX or XX/XX/XXXX, I became aware of this account after [ I got a late notice of payment. I did not apply for or consent to this account, and I have never signed any documents authorizing its creation. After discovering the issue, I took the following actions : On XX/XX/XXXX, I contacted the company to dispute the account and reported it as unauthorized. On XX/XX/XXXX, I requested verification of the account, including any application or signed agreement. On XX/XX/XXXX, I filed a dispute with the credit bureaus. As of now, the account [ remains on my credit report/ has not been properly resolved/ continues to be reported inaccuratelyadjust as needed ]. This situation has negatively impacted me by [ denied credit, lowered credit score, stress, etc. ].…

I am a veteran and my spouse is an XXXX military member. I am filing this complaint regarding a loan opened on XX/XX/XXXX, with a principal amount of {$13000.00}. I believe this loan violates the Military Lending Act ( MLA ) and involves deceptive practices identified in recent federal enforcement actions. Because my spouse was on XXXX XXXX at the time this loan was originated, our household is protected under the MLA as " covered borrowers. '' The loan carries a 9.90 % interest rate over a 154-month term, resulting in over {$11000.00} in total interest. My monthly payment of {$160.00} is higher than a standard amortization for this principal and rate, suggesting hidden fees or " add-on '' products. Under the MLA, if these fees push the Military Annual Percentage Rate ( MAPR ) above 36 %, the loan is void from inception. Furthermore, the 12+ year term matches the predatory patterns described in the XX/XX/XXXX FTC settlement against this company ( XXXX XXXX. XXXX ).…