Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have been paying for a water softener since 2010 and our bill has not gone down at all. We still owe over $6,000.00

  

  Business Response

  Date: 07/16/2025

  We appreciate the consumer bringing their concerns to our attention.  Like any finance company, we are happy to provide financing for the consumers home improvement products.  Any time a consumer finances a purchase with interest, they will pay more for it.  As with similar types of charge accounts, as the consumer, you dictate how much to pay on an account if only the minimum monthly payment is made, it will take longer than if larger payments are made.  Late fees and additional purchases added to the account balance can also have an effect on the time it takes to reduce the balance. We welcome the opportunity to speak with you regarding ways to reduce your balance faster.  Please contact our office at ********************.

• Initial Complaint

  Date:06/10/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a water filtration system through Rainking financed by ISPC. It is reporting on my ******* as a credit card. It is a joint account with my husband and it is not reporting as such on his credit reports. Also, they gave us a used water system that does not work and I have complained multiple times about that and they come out to look at it and tell me to leave it running and it will get better which I have done multiple time to no avail. I was harrassed to buy this system as the sales agents were over at my house for hours past midnight trying to make the sale and continuous calling until we agreed but we are not receiving the services promised and no one mentioned I was applying for a credit card. I am sure not all customers accounts are reporting the same as I can take this example from my husband. I am tired of being frustrated and calling out for help. I need someone to fix this.

  

  Business Response

  Date: 06/10/2025

  We appreciate the customer bringing her concerns to our attention.  *** and Mrs. ********* ISPC account is a revolving credit account and ******************** reports the account as such to the credit reporting agencies.  ISPC has no control over how the credit reporting agencies show the account on their individual reports.   *** and Mrs. ******* sign he ISPC Revolving Credit Agreement on 2/17/25. Just above their signatures is a statement " YOU ARE APPLYUING TO OPEN A REVOLVING CREDIT ACCOUNT ISSUES BY IISPC" in bold face type.    ISPC is correctly reporting this as a revolving credit account.  Credit cards are also a type of revolving accounts.   Regarding Mrs. ********* complaint about the water conditioner she purchased, ISPC is strictly a finance company who provided the financing for the system she purchased from **********************************   Her complaint regarding the system should properly be address to RainKing not ISPC 

  Customer Answer

  Date: 06/11/2025

   
  Complaint: 23449164
  
  I am rejecting this response because: It is only doing that on my equifax and not on my husband equifax, that is how I know it is a mistake. I contacted ******* about it and they said all they need is for the company to verify that it is not a credit card but they just ignore me. I just need this to be rectified so I can move on with my life. this is ruining all of my plans that I had for my family. I am so hurt and deeply regret doing business with this company. Had it been explained to me that this would be reporting as a credit card with 80 percent usage, I would not have gotten it. I was pressured to buy and financed this now everything that I have worked for is ruined.
  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 06/11/2025

  We appreciate the further clarification. However, ISPC is reporting correctly to *********** Equifax and Experian as a Revolving Credit Account.   How the credit reporting agencies classify the account is not up to ********************.  Since credit cards are also a type of revolving credit accounts, the credit reporting agencies may, of their own accord, show it as a credit card.    Although ISPC electronically reports on the 1st of every month, as an accommodation to Mrs. ********* we will perform a manual credit update to Equifax to see if this changes her credit reporting. 

  Customer Answer

  Date: 06/11/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a water system put under my ******* Aug of 2024.The loan was paid in full by my *********** thru a ***** ******* bank over paid them by $157.00 According to my April statement. I called them for my for my refund.They said it will be mailed to me..I recieved a statement for May showing a surplus of $32.18.They are still charging interest on a loan that was paid off in April 2025.They are not trust worthy in my opinion.

  

  Business Response

  Date: 05/14/2025

  We thank Ms. **** for bringing her concerns to our attention.   On 2/27/25 Ms. **** requested a payoff for her ISPC Account.  The payoff we provided her states that a $125 ***************** Charge would be added to the balance or the customer could choose to file the UCC-3 Termination and deduct the $125 from the payoff.   Ms. **** paid the payoff amount including the $125.  However, before the charge could be added to her account, a statement was mailed to her showing a credit balance of $157.18.  Although, ISPC notified Ms. **** of the $125 up front, we realize the statement may be confusing.   As a goodwill gesture for the confusion, we are crediting back the $125 and refunding it to her. 

• Initial Complaint

  Date:04/23/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Around June/July of 2024 we purchased a new home for my father *** ***** where he could maintain his independent lifestyle while still receiving in home care for his Dementia and Alzheimers. Shortly after this somebody from ******************* approached my father for the sale of a water softener system in the home even though we had tested the water prior to purchase. The salesperson continued to meet with my father in person when there were no other individuals in the home to assist with the transaction and finalized a large sale purchase. Further, they pursued and finalized a financial agreement with ISPC retail credit company in the same manner while in my fathers home alone. One can easily tell within a ten minute conversation that my father is NOT in the correct state of mind which is why I have Power of Attorney, handle all of his medical and financial decisions, and am pursuing a resolution to this issue. The company ******************* is unwilling to cancel the purchase, remove the system, or otherwise assist in any way toward a resolution. I have attempted phone calls to no avail and truly believe that this company ISPC has knowingly taken advantage of an elderly dementia patient.

  

  Business Response

  Date: 04/23/2025

  We appreciate Mr. ***** bringing his concerns to our attention.   We agree that his main complaint seems to be directed at Alabama Pure, not ISPC.  We respectfully request that his complaint be directed to Alabama Pure.  Regarding  Mr. ******* assertion that ISPC, the company who provided financing for the purchase Mr. ******* father made from ******* Pure, we can assure you that at no time did ISPC take advantage of Mr. ************ All calls to and from ISPC are recorded.  Prior to funding the loan, ISPC routinely contacts the customer to review the financing.  There were two calls with Mr. ***** before the account was opened.   During the first call, he stated he was not sure of the loan amount and asked for some time to review the paperwork.  Two days later he called back, identified himself, told us he purchased a water conditioner and verified the financing details.  There was no indication at any time that Mr. ***** did not understand the details of his purchase or the financing. 

  Mr. ***** can contact ISPC at ******************** to discuss the details of his father's account. 

  Customer Answer

  Date: 04/25/2025

   
  Complaint: 23241262
  
  I am rejecting this response because:
  This still does not address the situation in which ISPC completed a financial loan with an elderly dementia/Alzheimers patient. As Power of Attorney for my father long before this transaction took place, I am disputing the original validity of the account. 
  
  Sincerely,
  
  ******** *****

  

  Business Response

  Date: 04/28/2025

  We wish to thank Mr. ***** for the additional information.     ISPC is prohibited by law from denying a loan to a person based on age.    The presence of a Power of Attorney document does not indicate that Mr. ******* father is unable to handle his own affairs.  The recorded calls with Mr ******* father show no signs that he did not understand the financing.  

  Customer Answer

  Date: 04/29/2025

   
  Complaint: 23241262
  
  I am rejecting this response because: My father cannot remember going to the bank three times last week, or to the Charter store about the volume on his cell phone twice yesterday and again today.  He has Alzheimers, I am responsible for all financial decisions and I do not nor did I ever approve this financial agreement.  I believe your company wholeheartedly understood that he was incapable of making rational decisions, placed a legally binding agreement in front of him, allowed hi to sign knowing that he didn't even know who you are or what he was agreeing to, and now refuse to take responsibility for your actions. Your company has taken advantage of an elderly alzheimer's patient, purposefully doing business when he was alone (not with family or his caretakers), and now continue to refuse a resolution.  I demand that this account be frozen, removed, nullified, and/or cancelled immediately.
  
  Sincerely,
  
  ******** *****

• Initial Complaint

  Date:04/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Here is the scam: they see you move in and make sure your water looks bad, play on your feelings because all the water in ******* is bad, then they make sure you get approved to finance a whole home water filtration system that you could have found for less than $2500. The next thing you know if you are paying $96 per month for 18 years, because $67 is interest, but you could pay $287 for 3 years (a car payment), the old bait and switch. If you have complaints about the unit, you call the installers, so basically this fake finance company escapes blame, and when you try to sell your home, guess what....they gotcha. I will make it my mission that no one signs up for this scam. As 1st time home buyers, we feel like we were taken advantage of because all of the details were never explained, but here's what they will say, read your contract. ISPC is a predator.

  

  Business Response

  Date: 04/18/2025

  We appreciate *** **** bringing his concerns to our attention.   *** **** purchased a water conditioning system from Water Treatment Technologies (WTT) and financed his purchase with ISPC. Please note WTT is not ISPC nor an agent of ISPC's.   If *** **** believes the amount he paid for the system is incorrect, he should properly address that issue with Water Treatment Technologies.   *** **** was not required to take a loan with ISPC.  Water Treatment Technologies presented the financing to *** **** as one option.  *** **** could have paid for his purchase in full or arranged his own financing.   Regarding *** ****** concern about the length of time it will take the balance, as with similar types of charge accounts the consumer dictates how much to pay on an account if only the minimum monthly payment is made, it will take longer than if larger payments are made.  *** **** may pay as much or as little as he likes so that he is in control of how quickly his account balance reduces.  *** **** claims he was unaware of the details of this account.  Prior to ISPC funding a loan, we routinely contact the customer to review the financing.   We spoke to Mrs. **** on  12/27/23.  Both *** and Mrs. **** signed the financing agreement as well.  

  *** **** is welcome to contact me directly at ******************** to discuss his account. 

• Initial Complaint

  Date:04/16/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ISPC, through one of its associated companiesPremier Home Protection (PHP)fraudulently pulled my credit and forged my signature on documents for a home security system that I never ************* husband, who is a senior, disabled, and has a speech impairment, received a phone call from PHP offering a home security system with "$0 down." Despite us not needing the serviceas we were preparing to sell our home and movehe was pressured into a call with ISPC, during which he was coached on what to say. They told my husband they needed my name because it was a security system and I lived in the home. Shortly after, PHP sent someone to our home while my husband was alone. They partially installed a security system, even though he is in a wheelchair and cannot access the upstairs area of the house. When I returned, I noticed the security device on our door. My husband explained that a company had come by, installed part of a system, and said they would return to finish the job. That never happened. Not long after, I received a bill in my name. I immediately contacted ISPC and explained that: I had never authorized the installation, and The system was never fully installed.They claimed they would send someone to speak with me, but no one followed up. Instead, I received another bill. Again, I explained the situation and asked that the equipment be removed.I emailed the ISPC representative. In response, they sent over documents with clearly fraudulent signaturespurportedly mine and my husbands.Upon further research, I discovered numerous similar complaints from other consumers: ISPC Illegally pull credit reports, Inflate costs, And prey on vulnerable individuals, especially seniors. ISPC seems to try and absolve itself by claiming it is merely a third-party financer, but its clear that they are closely aligned with these companies Now, ISPC is attempting to sue me in ******* for $3,500 for a system I never agreed to and they have damaged my credit.

  

  Business Response

  Date: 04/17/2025

  We appreciate Mrs. **** bringing her concerns to our attention.  ************ states in her complaint, they purchased a home security system from Premier Home Protection (PHP) on 10/18/23 and financed their purchase with ISPC. Please note PHP is not ISPC nor an agent of ISPC's and ISPC cannot control any of the independent activates of PHP.  Prior to the loan being funded, ISPC routinely contacts our customers to review the financing.   We contacted ****** **** on 10/25/23, a full week after ********* purchased the system.  During that call Mr. **** confirmed the system was installed and made no mention of the installation being incomplete. At no time, did the ISPC representative "coach" Mr. **** on what to say.  In fact, Mr. **** corrected the ISPC representative on the purchase price and the correction was made.   Mr. **** was fully aware of the purchase and the financing terms. 

  If Mr. **** feels the signature we have for him is "fraudulent" we would like to request that Mr. **** provide us with a copies of a valid ID with his signature for comparison.   The Byrds can contact ISPC at ************** to discuss their account. 

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23207504
  
  I am rejecting this response because:
  

  #1. The company was contacted regarding the matter and even admitted to there being an issue and offered a credit( which ISPC noted when we contacted them regarding this) because of the complaint.

  #2. ISPC put a loan in my name without my authorization nor my husbands.  My husband was asked for my name because I  resided at the residence!  Somehow ISPC pulled my credit, signed on my behalf, and put a loan in my name. Likely after they learned my husbands credit wasn't great. There is a class action lawsuit that exists because this company has routinely repeatedly these deceptive practices and prayed on the elderly. Search class action lawsuits agains ISPC! 

  #3. This company has partnered with a third party to commit fraud which seems to be something they've done in many instances. Everything I stated in my initial claim happened! My husband was coached, you fraudulently signed on behalf of both of us, pulled my credit without authorization and you did not even complete the job.  

   

   

  Sincerely,
  
  ****** ****

  

  Business Response

  Date: 04/17/2025

  Thank you for the additional information.   Again, we wish to advise Mrs. **** that ISPC and Premier Home Protection are two separate companies and we feel Mrs. **** is confusing the two companies in her complaint. It appears Mrs. ****** complaints should properly be directed to PHP.   ISPC merely offered financing for the equipment sold to them by PHP.  There was never an offer of credit from ISPC and in no conversation with ISPC was there discussion of an issue with PHP.   The ISPC Credit Application was esigned by ********* though the email address of ***************************************** Since ISPC obviously would not have access to Mr. ****** email, there would be no way for ISPC to esign documents on behalf of *********..    As stated in our previous response, ISPC contacted ****** **** to review the financing before the loan was funded.  This call is recorded.  The ISPC representative did not coach Mr. **** on answering the questions.  This call recorded can be made available to Mr. *********** .  

  Customer Answer

  Date: 04/20/2025

   
  Complaint: 23207504
  
  I am rejecting this response because:

  ISPC pulled my credit without my authorization and my husband never esigned anything which we intend to prove. You can't prey on the sick and elderly. I am not confused.  ISPC in conjunction with *** have committed fraud.

   

  
  Sincerely,
  
  ****** ****

• Initial Complaint

  Date:03/24/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company has been charging me for over 15 yrs for a water filtration system that was installed and doesnt work. Company promised products that were never delivered. They kept on collecting money added various chances to contact them and they wouldnt get back. I stopped payment before I recieved some dirt if response and now Im served with a court summons on incomplete work, this company scammed me.

  

  Business Response

  Date: 03/24/2025

  Thank you for your comments. It appears your dissatisfaction is with the purchase of a home improvement product purchased through a third party contractor.  Please note that we are the finance company that provided you a line of credit for the purchase. You may wish to bring your concerns to your selling contractor.  If you do not have contact information for that company, please contact **************** at *********************** and we may be able to assist you in obtaining that information.  Our records reflect that we have spoken to you once since the account was opened.  That contact was in February 2010 when you called us with a question on your Autopay.   In April *************************************************** issues on our website.  We have no records of you contacting ISPC to report your system was not installed correctly. 

   

   

  
  

• Initial Complaint

  Date:02/11/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ISPC has made a contract with us on August twenty six, two thousand nineteen. 8/26/2019. It started when a highly trained professional salesman came to our home selling their product. They said that the amount would be for $59 a month. But then they did something and said that we have to pay more, even though we had already been paying more, $70. Just to add extra to our balance. They also offered five years of soap that I never received. Everything seemed so great. The first day of the transaction was on October first of two thousand nineteen. 10/01/2019 The grand total amount was to be, without the interests, $5,800. So far having paid a total of $4,200 this 01/16/2025 not including the payments of $34.78 of interests every month and other additional fees and maintenances as well. We pay $70 a month. This product has NOT been functioning correctly since day one.We have called ISPC multiple times to resolve the issue but they argue so unprofessionally and at the end, they never solve anything. They continue to ask for more money just to come and check the product that never worked since day one. I, personally believe that there is something fishy about this business. Sincerely, ****** and Aranny

  

  Business Response

  Date: 02/11/2025

  We appreciate the consumers bringing their concerns to our attention.  We would like to note that ISPC is the finance company who provided financing for a product they purchased through a third party contractor. It appears that  their dissatisfaction is with the company who sold them the unit and should properly be addressed to them.   If the consumers are unaware of who that is, we can provide that information.    Their complaint states "They said that the amount would be for $59 a month. but then they did something and said that we have to pay more." .  The minimum monthly payment on their account is $60 and has been since the account was opened.   They were made aware before we funded the loan that the minimum payment was $60, not $59.  The consumer set up autodraft online in March 2020.  They set up the draft amount as $70.  At no time did ISPC require them to pay more than the minimum payment of $60.  *** ******* is correct in that the additional $10 they pay each month is going to principal balance.

  As stated above, ISPC is strictly a finance company and as such does not offer soap products nor sell nor service water conditioners.  *** and Mrs. ******* state that they called ISPC "multiple times" about this issue.   Our records reflect that we have heard from them one time, in April 2020, when the customer called regarding COVID assistance with his bill.    *** and Mrs. ******* may be confusing ISPC with the company who sold them the unit and who provides service. 

  ISPC would like to discuss *** and Mrs. ********* concerns about their ISPC Credit Account, however, we are unable to assist them with their questions about their water conditioning system. They should contact the company who sold them the unit.   

  Customer Answer

  Date: 02/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *********

• Initial Complaint

  Date:12/23/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to express my concerns regarding a lack of communication and guidance following the completion of my loan with ISPC in May 2024. I recently discovered on December 20, 2024seven months laterthat I am required to file a termination of the contract record with my county ******** is disappointing that ISPC did not proactively inform me of this critical step upon loan repayment. If I had not initiated a process with my bank, I would have been entirely unaware of this requirement. To make matters worse, the correspondence includes a statement indicating that failure to record this document with the county could result in a $125.00 processing fee for any additional requests of a UCC-3 Termination Statement. This comes across as both unreasonable and unprofessional, given that clients are not properly notified of the post-loan obligations.I find it unacceptable that such an important step was not communicated upfront. The lack of clarity and transparency reflects poorly on ISPCs commitment to customer service and ethical business practices. I hope I never have to engage with a company that exhibits such disregard for clear communication and professionalism again.I trust that this feedback will be taken seriously and used to improve your communication practices for the benefit of future customers.

  

  Business Response

  Date: 12/23/2024

  We appreciate Ms. ****** bringing her concerns to our attention,  ISPC does file a ***-1 on every financed account.  Once the account is paid to a zero balance, the *** is not automatically terminated as most of our customers leave the account open for future purchases.  If a customer with a zero balance account requests the *** to be terminated, ISPC will file a ***-3 Termination.   Depending on processing and mailing time,this can take up to 30 days. If a customer needs the termination faster, as it appears Ms. ****** did, ISPC can provide the *** to the customer to file if that is a faster method.   Regarding the $125 processing fee Ms. ****** references, the letter states that if additional copies are requested, there could be a fee.   We thank Ms. ****** for her communication regarding this matter. 

• Initial Complaint

  Date:12/04/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A salesman came by my home and convinced me to get a water softener system financed through ISPC. Never did he mention they would be putting a lien on my home. Years later, now I am attempting to sale the home and they are wanting the while payoff amount. I would like ISPC to remove the system so that I can install it in my new home and remove the lien on my property so that I can close on December 9, 2024.

  

  Business Response

  Date: 12/04/2024

  We appreciate you bringing your concerns to our attention.  We understand that you have come to believe that we have a lien on your home; however, please be assured we do not have, and never have had, a lien on your home.  The water treatment system that you purchased is the collateral for our loan.  Because the collateral may be affixed to your real property, we have notified your county that we have a security interest specifically in this fixture.  This security interest specifically applies only to your equipment and not to the home itself.  This notice was not filed as a result of your payment record and it has no negative implication whatsoever on you or your property.  If someone is asking you to address this, please contact us at **************. 
  

  Customer Answer

  Date: 12/04/2024

   
  Complaint: 22636263
  
  I am rejecting this response because:

   

  please contact Webb County to remove the security lien that was placed. They are seeing this as a lien on the property. 
  
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 12/05/2024

  A copy of the UCC-1 Financing Statement recorded by Webb County is attached for your review.   Please note line 4 which states " This financing statement cover the following collateral:  Water Conditioning Equipment.  Secured Party's  interest in the collateral, which is or may become a fixture, does not extend to the real property to which the collateral is affixed."   A UCC-1 Financing Statement can never be used a lien on a home.   As long as the equipment is financed, then the UCC-1 will remain in place. 

  Customer Answer

  Date: 12/05/2024

   
  Complaint: 22636263
  
  I am rejecting this response because:

  Since the equipment is collateral for the financing. REPOSSESS THE EQUIPMENT and remove the lien. *********** is not allowing the sale of my $340,000 home because of this *** that is showing up as a lien on the property since it is affixed to the property, which goes directly against your policy and rules as disclosed in documents provided to me at the time of installation. ATTACHED you will find that document provided by ISPC under "Financing".

   

  Remove the lien filed with Webb County and I am more than willing to work with ISPC to settle any debt that I have.

  
  Sincerely,
  
  ***** ******

  Customer Answer

  Date: 12/11/2024

  See attached. 

  

  Business Response

  Date: 12/11/2024

  Once the ISPC Account balance is paid, the UCC-1 Termination will be filed  with Webb County and Mr. ****** can contact HydroClear, the company who sold him the unit to have the the system moved.  here...

  Customer Answer

  Date: 12/11/2024

   
  Complaint: 22636263
  
  I am rejecting this response because:

  ISPC is in violation of their own agreement. The *** states this lien does not extend to real property.  Therefore, I demand the lien be removed and ISPC create a payment plan to pay off the equipment. 
  

  this is a resolution where both parties can be satisfied without the use of a court of law. This solution, if agreed upon, also shows if ISPC truly cares about their customers like they so claim. 

  
  Sincerely,
  
  ***** ******

  

  Business Response

  Date: 12/13/2024

  By definition the Uniform Commercial Code (UCC) financing statement, also known as a UCC-1, is a legal document that gives notice that a creditor has an interest in a debtor's personal property, not real property.  The United State Court of Appeals, Eleventh Circuit has ruled " The security interest in a fixture does not give the party a security interest in the realty on which it is installed."  It is unclear where Mr. ****** is obtaining information to the contrary.   Mr. ****** is asking ISPC to terminate it's security in the water conditioning system, leaving ISPC with an unsecured loan. For customers with accounts in good standing, ******************** provides the option to transfer the collateral,allowing the equipment to be relocated to another property they own.Unfortunately, this option is not currently available to Mr. ***************** hope this explanation clarifies the matter.
  

  Customer Answer

  Date: 12/13/2024

   
  Complaint: 22636263
  
  I am rejecting this response because:

   

  ISPC is refusing to repossess the collateral that is stated on the **** Webb County is not allowing the sale of my home because the collateral is still attached to the home. 
  

  Under contract with ISPC, it states that the collateral can be repossessed. ISPC is choosing not to do so, after the collateral is repossessed, the *** can be removed and the FULL balance is still on my credit report, so I am still held accountable to pay off the balance. 
  

  ISPC is using the *** incorrectly with Webb County, preventing the sale of my home because of the balance of the water softener system that originally costs $6,000 and now the balance is $10,000. 
  

  REPOSSESS THE COLLATERAL AS STATED IN YOUR CONTRACT AND REMOVE THIS ILLEGAL *** (Lien) FROM MY PROPERTY. 
  

  if ISPC refuses to agree to the terms as stated above, I will be forced to proceed with judicial proceedings against them. 
  
  Sincerely,
  
  ***** ******