Aqua Finance
Reviews and Complaints

After being told by a sales rep that came to my door from Discovery Marketing that my new born would get cancer if she was raised on the tap water, and assuring that with the free items, and 1 year of salt refills that the system would pay for itself and I would not pay anything out of pocket (single mother with newborn and one other child).
The contract gave me only 3 days to cancel, and working full time with 2 children, it wasn't possible however I WISH I had!
The sales pitch was absolute lies. They installed the system with no salt and I was ensured that each month there would be a delivery. The delivery never came. I called Aqua Finance because the paperwork was completely confusing (Discovery Marketing, Aqua Finance, and Rainsoft all involved here and pointing figures at each other). After not receiving the services promised when signing contract, I made complaints and had to go from person to person to reach the right people. The system was not working as promised as I was ensured food would fall of the dishes and macaroni would boil without sticking (both false claims). Finally, Rainsoft came out and filled with salt, I made complaints and again, was told there was nothing that could be done as the system seems to be working "okay". Regardless, I wanted them to come get the system, and because I was unable to make the payments, I attempted to work out other arrangements since I never made enough money to cover the $95 a month. They refused to work with me or look into my complaints of the false claims made that got me into this mess to begin with. I never heard anything from them after I contacted them and told them I was unable to make the monthly payment. In 2013, I received a letter from an attorneys office in Miami, FL. I sent in a validation of debt request, no response, I left MANY voicemails for the number on the letterhead and never a call back. In the fear that I would end up in court, I did research and realized it was the Aqua Finance account (the letter had MBC Investments as the creditor not Aqua Finance). I sent in a check for $10 and requested additional information again, made several calls, no response however they did cash my check! I sent a 3rd letter explaining that they cashed my check and were not communicating with me! NO RESPONSE! Now, here I am in 2018 and was summons from a new attorney. Low and behold, they had my telephone number, never received any calls providing payment address as Aqua Finance had no information on file and was unable to tell me where to submit payments in 2013 when I called since the attorney's office never responded. Now they want a total of 10k for a system I have never been able to afford to run and it has been sitting on the side of my house inoperable.
This company is a SCAM and they do not play by any rules. DO NOT SIGN A CONTRACT WITH THEM. I have signed many contracts and never have I been so tossed around and ignored.

I just got off the phone with a representative at Aqua Finance. I would like to pay more than my monthly payment with a Visa Card and they stated that I cannot do that. I asked where in my Terms of Agreement that is and I was told, "It is Policy", so I asked to have the policy emailed to me so I can review it and I was told, "NO".

So I would like to know if there is any legal ramifications for this illegal financial behavior?
Help
!
FYI all my payments are made on time, I am not in any way delinquent on this account

5 years ago, 2011 I purchased a water softener from aqua soft. They installed it outside in the direct sun, the processor board immediately failed. I called Aqua soft in Fresno and complained. The service man said it hooked up ok but needed us to pay a high maintenance fee to have it repaired, I explained that I had just purchased it that month, the response was too bad. so I paid the fee, as I recall it was $150. I then called the company back for service. A week later I didn't hear from them so I called them Back again, still no response. This went on for a couple of months until I got fed up and called them to remove the system because it didn't work and they wouldn't repair it.
Aqua finance contacted some time later me and asked why I haven't paid them. I told them the story and was told they are separate and the problem is with Aqua Soft not them. They are one in the same, they just hide behind the created separation. I had a few requests for payments but stood by my convictions and said I would pay when it was repaired. I stopped hearing from them and assumed they dropped it. Fast forward 5 years. While applying for a refinance of my home loan I find out Aqua Finance put a lien on my home stopping the refinance. I called Aqua Finance, talked to a Jose whom indicated that I must pay $2500 to remove the lien. I don't have that kind of money but would make payments, I'm a Senior citizen on social security and would pay them the savings on my house payments with the re-fi but needed them to drop the lien. H refused, I asked to talk to his superior, was given a extension # called, left a message and have not heard from the since.

Sincerely,
Dan Caris

about a year and a half ago I sent in a water sample to home depot few months later a lady with aqua finance shows up at my door she gives this extended presentation on the product in which I like at the time I worked off so my wife liked what the benefits were or what she was told she asked about a 1 week trial so I said ok if a week would give enough time to see a difference next day some one shows up to do an in stall pluming skills were weak the very next day some other lady shows saying we forgot to sign all of the paper work for the trial by then I was gone to work so my wife glanced but really didn't focus on the to hard it was just a trial when I call to get their equipment picked up I was told the trial was for 3 dAYS instead of a week and everything had already went through on the financing so I am stuck with a unit that they wont even come out to service that is way over priced I will never deal with them again

The whole purpose of having a feature on your website to make payments is for direct payments to be applied to your account. I was informed today (10/5/15) that when you are making a payment online, Aqua Finance's billing/payment system is not capable of this feature. What happens in the background is you make a payment once it is cleared your bank, the Representative told me that my bank sends them a physical check which will cause delay in posting your payment amounts to your acount and increased interest fees. I have always overpaid on my account and because the posting was not applied by my next billing cycle, the statement reflected no payment posting and 2 payments due on that next monthly statement. Come on Aqua Finance, get with a current Billing/Payment technology software because your Representatives are not doing your company justice. I'm happy with the product line but your finance company needs significant help!

I and a solar panel company financed with Aqua Finance Company. The agreed to the loan. So then the work was completed. We then completed the phone exit interview and informed them all the work was completed. At that time they stated we now decided to not finance the loan. Leaving the solar company and me up in the air. They backed out of their agreement but they did take all my banking direct withdrawal information.
I wish we read about this company before.

We purchased a water softening system for our home and financed it through Aqua Finance, Inc. We hadn't asked, which was stupid, how much the finance charges would be and when we got the first bill and saw how high it was, we immediately decided to pay it off. We payed what they financed and the finance charge shown under the "New Balance" portion of the bill. We thought that would be that and didn't receive another bill until June 17th. This bill showed that we owed $21.37. I thought this was in error and called and talked to one of the Vice Presidents of the company, Scott Chittum. I informed him that we had paid the "New Balance" when we received the first bill, in April 28, 2011 of $3022.19, which should have brought our balance to zero. Well, I called the phone number provided and spoke with a representative that told me she'd have to give me to someone else who could explain it to me better than she could. His name was Scott Chittum, a vice president of Aqua Finance. He told me that I owed the money as they charge interest daily and that I should have called for the "pay off" amount before I paid it off. He claimed it says it four times on the bill and insinuated that I was negligent for not noticing. I told him that I didn't see it even now (it is there 1 1/2 times but not prominently). But, what I did see was the "New Balance" amount which infers that is the balance to pay off, and a statement that says, "You may pay your entire balance at any time." It does NOT then say, "Call for your payoff amount." anywhere but does say, "For questions regarding this statement, to report a lost or stolen card, or would like a payoff quote, please call [protected]." It doesn't say you have to call for a payoff quote. It warns that if you make a late payment you will be charged a late fee and more interest. It warns that if you make only the minimum payment it will cost you a lot more because of interest. It draws your attention if you are a check writer to the fact that if you write a bad check they will charge you non-sufficient funds fee. But it does not warn you that if you only pay the "New Balance" you will still have to pay another payment and finance charges!

3 years ago, we purchased a water softener system and receiving financing through Aqua Finance. Approximately 2 years ago, we defaulted on our contract and were sued. Judgment was entered against us 1.5 years ago.

From the month that judgment was entered against us, we submitted to Aqua Finance a repayment plan, to which they never responded. We immediately began making payments under our proposed payment plan, exceeding our original payment plan, and to date have not missed or been late on one payment since initiating the repayment plan.

Today I was contacted by an attorney's office representing Aqua Finance stating that they had a judgment and wanted to make payment arrangements. I explained to the attorney's office that I was making payments to Aqua Finance and he stated that he does not have any record of payment for 1.5 years (since the judgment). Clearly I have proof through my canceled checks that payment has been received, and I've also received confirmation directly from Aqua Finance in the form of letters stating they've received my monthly payments.

I suggested to the attorney's office that he contact his client for proof of my payment history and he told me it was my burden to prove I've been paying. I explained that my obligation under the judgment is to repay Aqua Finance and that is where my obligation ends. He said he would initiate garnishment proceedings since I'm not paying. I reiterated that I am paying and have been paying and he told me that I need to provide him proof. We went back and forth for some time until he became very belligerent and eventually hung up on me.

I immediately called Aqua Finance and spoke to a representative. The representative told me that she cannot discuss my account with me and that I would need to speak to their attorney. I explained that I have tried to but that he refuses to contact you and that you need to provide proof that I'm paying. I requested a full accounting of my history and she stated she would mail it to me. I asked her to provide to me the name and address of the attorney and she said she did not have that information available to her. When the attorney's office contacted me, they had blocked their number.

My frustration with Aqua Finance is their obvious complete disorganization with collection accounts and their practice of contracting with attorneys and agencies who resort to bully tactics in an attempt to collect on their accounts. While I'm an exception (as I am paying on my account per the judgment), how many others are out there experiencing this clear violation of their rights under the Fair Debt Collection Practices Act? I fully intend to file complaints with the Consumer Protection Division of the district attorney's office against both Aqua Finance and the attorney representing them as well as with the Kansas Bar Association.

My advice - stay away from Aqua Finance. They're unscrupulous and have extremely poor business standards. Perhaps we'll soon see them on Capitol Hill asking for a bail out.

Last year a salesman arrived on my door. Stating he had the newest in water purification. I listened to a 3 hour demo. by the end he promised that I would be showering in Aquafina quality water (after finding out my wife drinks aquafina). Also stated the system was used by Coca Cola. He also promised 8 years of free soap prducts, stating all the hosuehold soaps sold in stores were no good. He also stated the system would help with my sons Exima. After intense begging form my new wife i bought the system. I was able to notice a difference at first, but shortly noticed it was not working how it should. I was aslo told if I moved, the system could be moved to the new address by them at no cost. I recieved about 6 boxes of soap, with the remaining promised to be shipped. After several attempts to contact them, I have found all numbers had been disconnected. and no number to reach them at. The system was a $6, 700.00 doallar system. Needless to say I did not have the money. I was informed that I would be able to get the system for round 10% interest. I was contacted by the person who instaled the system, and found it would be at 17.99%. I was ok with this, Because it seemed like such a great system. Well about the same time I was not able to contact the company that sold the system, Aqua Finance had reaised my interest to 21%. They had also raised my payment to 2.2%. After several phone ccalls to the company, I am still at first base. Still confused. After a year of paying the minimum $136.00 month, I have only paid off about 200 dollars (started 6, 799, now 6, 500. This does not make much sense. they will not even tell me how long it will take to pay this off. After looking at the monthly statement i saw that I had $167 dollar finance charge. They changed my monthly payment to $143.00 month. To my calulations I am not paying off anything, I am adding 15 dollars to my balance every month. After asking for an explanation, they stated it was an estimate, but it clearly says FINANCE CHARGE on the statement. Any help with this situation would be great. I do not looking forward to paying for a system that does not woek properly, and i have to pay all this money for.

Donald