Aqua Finance, Inc.

My star rating is wrong! I would give them no stars if I could. This is the WORST service I have ever delt with. I digress, we moved into our home back in 2020. A door to door sales man came knocking and told us a horror story of how unclean our water was and we should "buy now!" So again 2020 time frame I am scared and decide its the best for our family. We sign the dotted line with this being said to us. You will have bi-monthly visits to test your water and change out the salt levels. Along with in home cleaners provided as well at no charge to you. We thought everything sounded wonderful, but let that be a lesson to us. To good to be true is just that. Shortly after getting the system they sent someone to install it. The guy took two hours to install it and brought his son to help, and his son was 12 mind you. When they were done they left. I mean that quite literally left. My garage was open from when they brought the system into my basement, and my front door wide open from when they left. They didn't answer any questions about the system or set up a follow up for someone to test the water in a month. Two days after instalement we had leaks under our sink and fridge. We tried to call to set up an appointment and the never showed. They also never delivered the household cleaners they promised with the system. The billing is a nightmare. They would mail bills out of cycle so we would then be paying "late". They emailed also late. My first bill was due and I had no way to pay since I had no paperwork for a log in or website. Then when I called they said they would email me and they never did. So now I am slapped with late fee after late fee. That is until 5 MONTHS later I finally get a bill in the mail with all the information I need to pay. I set up my auto pay and here we go. However Aqua finance is just so wonderful they switch websites and don't inform customers so again LATE FEE. I have called several times talked to people and nothing changes. I finally paid off the bill only to be sent a letter saying I still owe a good amount in principle. Also iceing on the cake they called and informed me they would no longer be providing the salt to change in the water system they installed along with not sending anyone out to replace it. So suffice to say if it would not completely ruin my house I would rip out the system and throw it on the curb. So if I could save anyone else from this nightmare. Do not do business with this company or any company that chooses to do business with them. They don't care about you just their bottom line. They are the 'Boeing' of services.
Mar 20th, 2024

Scam! This company Aqua Finance kept rejecting my final payment to pay off loan. Then billing me a lower payment to keep the loan going. Aqua Finance stated that their automated payment system was messing up. Then get it fixed or dont use it! Dont do business with this company!
Mar 9th, 2024

Obviously in cahoots with dealers. So, in essence, they are "car" dealers themselves even though this loan was for a camper. We were denied a loan (after a deal had been made but later deemed to be too good of a deal) so shut down the day before we were to go into the dealer to sign all of the paperwork. After calling Aqua and finding out that we were NOT actually denied, we contacted the dealership. They bumbled around, said there was some "mix up" and set up another date to get the deal done. When we ultimately decided to not go ahead with the loan, we then received letters from Aqua that our loan was denied due to being delinquent on multiple loans and multiple credit checks. Well, the camper dealer had run our credit twice during this whole debacle and we had just bought a new truck earlier in the year so our credit had been run at least 5 times. We have four loans and three are auto paid every month. We have double-checked on the other and NONE are delinquent nor ever have been (otherwise, we wouldn't each have over an 800 credit score). This loan would have been for a camper. We have bought and paid for multiple campers in the past 30+ years and never been "delinquent" on ANY loan. This lending company is shady and a joke. Stay far away! There is a reason why their reviews are not good. I have also submitted info to the BBB. ADDENDUM: I got a letter from Aqua claiming that their statements were "valid." Because we knew this was bogus, we have reached out to each lender and verified (even though we already knew Aqua was full of ****) that ALL of our loans are paid up as agreed upon and ON TIME within each contract (otherwise, would we have scores so high?). Don't take my word for it, just look at their reviews. This is a criminal company to do business with. Also, after leaving a review on the camper dealership, they assured me that "we had a deal" had I just shown proof of insurance. These are the greasiest people you will ever deal with. Look elsewhere. There is a reason why they are less than 2 out of 5. They are trash. People DON'T get denied a loan when the buyers make $250+ and both have credit scores over 800. Also to note, the dealership was still going to go through with the deal with Aqua financing it...luckily we ran away fast.
Mar 19th, 2024

My experience for a simple payoff letter. Called Thursday asking for payoff letter to be sent to email. Was told it would be sent, no timeframe. Called Friday as I did not receive the email. Was told it takes around 24-48 to receive letter. Waited until Monday (They are open Saturday) and called back explaining I have yet to receive my payoff letter in email. Was told it would be up to 24 hours. I explained that Ive already been waiting since Thursday. He then escalated the ticket and I was told 20 minutes. I waited 40 minutes and still did not receive letter. Called back asking for manager (I know, but) and they told me they escalated it as well and it would be no more than 2 hours. Waited the two hours, got the letter in the last few minutes of the two hours.
Mar 18th, 2024

If I could give this place negative stars I would. We were initially approved for a loan, supplied all required documents, including paystubs and tax returns. THREE WEEKS later they ate demanding copy of tax return or they will deny the loan. Okay, we send it AGAIN to the. The exact same documents tgat were given to them initially. Then they say that they don't have proof of income. Again, we send them the same documents that were given to them in the beginning. They say that won't work. My husband is self employed and paid via 1099. They refuse to accept a 1099 and insist that they have to have a W2. They can not seem to understand that not everyone is paid that way. We send the 2 years of 1099s and multiple years of tax returns. We are told that they see the income but we don't have proof. I don't know if the hired their underwriters straight out of 2nd grade or what, but clearly they do not understand any kind of financial documents. This goes on for several weeks. They finally officially denied the loan that they had initially approved ( nothing changed, same numbers throughout all this) because there was no proof of income. This place is an absolute nightmare. So, now we are having to delay a time sensitive foundation repair to find a different lender. Sadly, the foundation company that uses Aqua will undoubtedly see problems going forward due to Aqua's shady practices. While I understand the foundation company isn't at fault, I feel like if they continue to use Aqua for their customers to finance projects with, it will ultimately hurt their business as Aqua doesn't seem to want to actually lend money. Judging by many reviews I have read about Aqua, we most likely dodged a bullet by not financing through them. I do know that they have done this to multiple people recently. I hope the foundation company finds a new company to use for financing, as using Aqua will lead to many upset clients and ultimately will damage their reputation.
Mar 1st, 2024