ComplaintsforUOwn Leasing

• Initial Complaint

  04/11/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Horrible company when it comes to returning an item.....stay away. Took them *********************** to send the item to a specified address and that I would be paying for the return shipping and also charged me when the delay had been on their end. Never dealing with them again. Also, they offer no refunds. I will not be making any more payments.

  

  Business response

  04/15/2024

  Hi ******** -

  We apologize for the delay, our recovery team is communicating with you regarding the return. Please let us know how we can assist further.

  Customer response

  04/18/2024

   
  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

  03/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased an Xbox threw them not even few days they start harassing me bout the product . Been trying to return it they want email me back and when they do they don't want u to return it .then they try to take other amounts out that's not the assign amount for payment. I'm done messing with this scammer group. I want to return the product and be done with these people
  

  

  Business response

  03/26/2024

  Hi ***** -

  On February 13, we responded to your request to return merchandise- we did not hear back and we proceeded to close the ticket. You emailed again on March 1, we included instructions on return and advised that the past due balance would be due as you have had the merchandise since August of 2023. We did not receive a reply - attached is the email correspondence. As of today we can offer two options: return the items to us and make arrangements to pay for the amount due for the time that it has been in your possession or accept a settlement offer of $396.07 which is 75% off the remaining contract balance. We are more than willing to assist in either option, and would like to resolve this as soon as possible.

• Initial Complaint

  03/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I made my last payment Friday 3/22/24 for $42.60 Full amount was $966.14 Own told me they was reporting my payments to the BBB but on my last payment I made they said they stop reporting all their customers payments to the BBB. I wasn’t informed about this I never got a gmail stating nor was I informed that they stop reporting to the BBB. My contact was signed the beginning of last year they said they stop reporting everything some time this year. I just want my payments reported as promised
  

  

  Business response

  03/26/2024

  Hi *****, 

  We unfortunately do not report to Transunion as of February 2024. We understand that this may cause some disappointment, and we truly apologize for any frustration this may cause. Thank you for your business.

  Customer response

  03/26/2024

   
  Complaint: ********
  
  I am rejecting this response because:
  That not what I was promised that was the whole reason I was doing it because they said they report to the BBB. 
  Sincerely,
  
  ***** ********

  

  Business response

  03/28/2024

  Hi *****, 
  While we did report for the majority of your lease, the decision was made to discontinue reporting in February of this year. We'd like to again extend our apologies for the inconvenience.

  

  Business response

  03/28/2024

  Hi *****, 
  While we did report for the majority of your lease, the decision was made to discontinue reporting in February of this year. We'd like to again extend our apologies for the inconvenience.

  

  Business response

  03/28/2024

  Hi *****, 
  While we did report for the majority of your lease, the decision was made to discontinue reporting in February of this year. We'd like to again extend our apologies for the inconvenience.

  

  Business response

  03/28/2024

  Hi *****, 
  While we did report for the majority of your lease, the decision was made to discontinue reporting in February of this year. We'd like to again extend our apologies for the inconvenience.

  

  Business response

  03/28/2024

  Hi *****, 
  While we did report for the majority of your lease, the decision was made to discontinue reporting in February of this year. We'd like to again extend our apologies for the inconvenience.

• Initial Complaint

  03/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Uown leasing offered me an early pay off option, i had not missed any payment and i received an email stating that they could not authorize a payment with my bank even though i had funds. They sent me a confirmation email of payment but then told me it did not go through. They voided my early pay off option and I am selling to just pay off my debt and never do business with these people ever again. I have receipts of payment including payoff amount. They will not accept payoff and raised the amount by double due to them not accepting my payment. Seems like a scam.

  

  Business response

  03/20/2024

  Hi *******- 

  We understand you've had a frustrating experience - we have attached the records from our bank indicating a return code R01 (insufficient funds). We were notified of this return on 3/14 which is why you have a receipt on 3/13. We sent a return notification the next day. Are you able to send us the bank statement showing the before and ending balance with our transaction? We would like to correct any errors on our end if possible. We can also have a supervisor reach out to help provide a resolution.

  Customer response

  03/21/2024

   
  Complaint: 21461057
  
  I am rejecting this response because: as you can see in the attachment, i have only had withdrawals and I still have funds to pay your $40 amount. I am only interested in paying off the amount at this point and am more than happy paying off the $300 amount that was emailed to me prior to the missed payment.
  
  Sincerely,
  
  ***************************

  

  Business response

  03/21/2024

  Hi ******* -

  This statement does not show our transaction - we would need to see that it cleared, not the overall balance of the account. As a courtesy, we have waived the $15 NSF fee generated and are willing to honor your 90 day payoff, however the payment that returned would be due with it.

  Customer response

  03/21/2024

   
  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. I will gladly make the payment on Monday 3/25/24 @9:00am EST. The amount was $296.99. If there is any issue with the amount or date please let me know.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  03/11/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They charged my account for months for product I never received due to no inventory ************ issued a refund but they continue to charge me .After months of taking my money they never refunded me created an additional fake contract for a lower price and are trying to brief me to sign it for product I don't have please help

  

  Business response

  03/13/2024

  Hi Faith -

  We communicated with the merchant that sold the items to you - initially there were two items, one item was returned thereafter. This creates a modified lease to match reduction in cost. This is not a fake contract, and there is no action needed on your part. Your payments went from $63.26 to $ *****, bi-weekly. All money you have paid has been applied retroactively according to the new cost. Due to missed payments, the account is still past due. This was explained via email - please let us know if you need further clarification. Both original and modified lease can be viewed online at portal.uownleasing.com.

• Initial Complaint

  03/11/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  i purchased some rims and tires for my vehicle from bb wheels and financed that purchase with uown leasing. i received the parts and made arrangements to have the parts put on my car a few days later. i was informed by mechanic shop that the rims would not fit on the front. after going back and forth with bb wheels they said i could return products for a 25% restock fee and pay for shipping items back to them. ****** to restock items they said would fit my car but do not fit plus shipping. so i called uown leasing to cancel contract. they had me reach out to their return department, that was 2 weeks ago and they have not responded or replied to email with info they requested. they say they have a ***** hours response time which is bs. since then i have put a stop payment on their auto debit from my account. this whole thing has cost me around ****** for absolutely nothing but frustration.i guess when they figure out that i have blocked there auto payment maybe they will reach out to pick up their parts. until then the parts sit new in box waiting.i want my money refunded due to poor business practice or i will write a review every other day on their website and i will also be going to my local courthouse and filing a lawsuit in small claims court.this is not about the cost of the items or buyer remorse. this is about be honest with your customer and taking care of them when YOUR COMPANY does business with other company's that don't mail correct parts to your customers. i have used u own leasing in the past and never had any issues and my previous accounts were in good standings.sincerely Disappointed

  

  Business response

  03/18/2024

  Hi **** -

  We apologize that you have had a frustrating experience so far. We are communicating with BB Wheels to see how we can ************* expedite this, are you able to show that you received items different than what you ordered? We have received your emails and we assure you that we want to work with you to find an appropriate resolution.

  Customer response

  03/18/2024

   
  Complaint: 21412207
  
  I am rejecting this response because: part fitment was verified twice. Once by the website before purchase and again by bb wheels who called to verify before shipping. These parts are useless to me as they don't fit the vehicle. If merchandise is not picked up in five business days I will be contacting my attorney to pursue legal action.
  
  Sincerely,
  
  *******************

  

  Business response

  03/19/2024

  Hi ****, 

  We understand this is not an ideal situation and apologize for the frustration. We did contact BB wheels and they explained that the set up you ordered can work in a different configuration, just not on your particular configuration. At this time, both Uown and BB Wheels have offered a resolution to return the items and cancel the lease. Since these items were shipped to you, we would not be able to pick them up, but are happy to discuss any further arrangements you may need for their return.

  Customer response

  03/20/2024

   
  Complaint: 21412207
  
  I am rejecting this response because:

  I have already wasted close to 500.00

  And i refuse to pay out any more money. 

  you can provide me with return shipping labels for all items to be shipped directly back to you and terminate lease.

  i will never use this service again.
  
  Sincerely,
  
  *******************

  

  Business response

  03/22/2024

  Hi ****, 

  We understand that this is not an ideal situation for you - the merchandise sent was not incorrect, but does not work in your particular configuration. The best option we can recommend is to return the items to BB wheels as you would get a refund of the money you have put towards this lease agreement and recoup some of your loss. The lease would be terminated with us as well. As mentioned, you can also also return these items to us, but we would not be able to cover shipping labels as this was not our error, and you would not receive a refund of the money paid. Please understand that we want to help solve this problem, and two options are being offered - if we can assist with either, please let us know.

  Customer response

  03/22/2024

   
  Complaint: 21412207
  
  I am rejecting this response because: again. Neither you or bb wheels is listening.  You want me to pay to ship something back that was the sellers mistake. Parts don't fit so I'm responsible for shipping back? Not so. Bb wheels verified 2 times that the parts fit. I'm done having pointless conversations with somebody on the other end of a keyboard. I will be contacting the ************************* in ******** first thing, monday morning and taking legal action to resolve this matter.
  

• Initial Complaint

  03/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  We purchased tires with Tire Agent and the lease plan was with Uown back last year. We have been trying to return said tires since November. It is now March and the tires are still sitting in my father in laws ******** has been nothing but a knock-out drag-out between myself, and this company. They do not respond to emails for what it seems like days unless you threaten to contact an attorney or the news media then they will get in touch with you. This whole issue is regarding the return of these tires and to be let out of agreement due to them not disclosing all information thereof. What I mean is, they claim the account has to be current in order for them to get the tires. The lease agreement does not state this. In fact it states that the tires can be returned anytime. Fast forward to today and they finally responded and the ********* states this: "We will allow you to send the tires to our Uown location in *****, however, your lease will not be closed out until the outstanding balance is paid." As our agent stated to you, 2nd page of the lease; 12(b) where it states "Your Lease payments will continue until the Property is returned to us". Merchandise Recovery does not include Uown paying for the return. "As a reminder, Uown has already paid the full cash price to the merchant for these items and adding an additional expense with shipping for Uown is non negotiable." "You can ship the items to the address below with a carrier of your choice. Once shipped and tracking information is shared, we will pause your billing. Once we receive the tires and inspect them, we will arrange with you a payment plan for the remaining balance. Once that balance is satisfied, we will close your lease with Uown Leasing."This is not good enough. Once again they did not provide proof in the agreement that the account has to be current.

  

  Business response

  03/08/2024

  Hi ******* -

  We understand that you are frustrated with this situation and we want to help resolve this as soon as possible. We first spoke to you regarding this account in October of 2023 when we attempted to help set payment arrangements to fit your circumstances. While there was an agreement, in early November this arrangement declined and you inquired about shipping labels to send back the items. At that time, we advised that payment for the time you've had the merchandise would be due before proceeding with recovery. This is the policy and the entire concept of lease to own/rent to own - installments are due for the agreed upon frequency. We have tried to work with you by offering payment arrangements/hardship plans, settlement options, and explained our merchandise recovery process. We have also stated that we have approved for you to return the items without the amount due for the time you've had them as you mentioned in this complaint. As of now, all that you would need to do is ship the items back. As a final option, we will offer a further reduced settlement of $150.00 to close and terminate the agreement without shipping them back. Please let us know if this is an acceptable solution for you.

  Customer response

  03/12/2024

   
  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. I want it in writing that they are willing to close out the account with the settlement of $150.00. I want that statement in writing sent to my email no later than today.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  02/29/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  This company regularly charges my account outside of the agreed upon date- and has charged me hundreds of dollars in "late payment" fees after debuting my account illegally. They just today charged me claiming I owed them for June 15th- a date in which I had already paid. And after taking my payment on saturday. I have a receipt. Their costumer service has made up all sorts of excuses for the over charge- everything from claiming I initiated the payment to the idea that it's some sort of back payment. The agency is predatory in nature in that I have already paid back almost 3 times the borrowed amount- and yet they are still fraudulently charging me

  

  Business response

  03/04/2024

  Hi ******* -

  We apologize for any confusion on your account and would like to help clarify. The lease agreement is for 56 weekly payments - your due dates are on Saturdays each week. You can view your payment history online on the customer portal, this will show that some payments declined *** and are attempted to be reprocessed in the days following. Declined payments also generate an *** fee. Your most recent declined payments were on 12/30 and 1/13 - while you were still being charged weekly, these payments went towards the *** leaving the regular due amount past due.

  We understand this has been a frustrating experience, as a courtesy we will refund these last two *** charges and close the account so that there is no further payments due.

  Customer response

  03/05/2024

   
  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

  02/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This business has served me with papers for a transaction I never made. Someone used my information to have $1517.28 worth of merchandise delivered to to their residents and never paid for it. The resident does not match my own nor was my phone number linked to the account when the agent tried to look for it.

  

  Business response

  03/04/2024

  Hi ****** -

  This account has been placed with a different company, please reach out to them at ************ regarding this fraud claim. 

• Initial Complaint

  02/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I contacted Uown leasing on Jan 26, 2024 Feb 14 & 15 2024 to request the stop of ACH charges to my bank account. During the Feb 15th ******************************************************* calling on Jan 26th to withdraw consent.On Jan 15th 2024 I was recorded withdrawing consent for ACH and my banking information was removed from their system. I also removed my banking information from their customer portal.Feb 2nd I received a charge for $63.07 and $30 in fees on Feb 5th.Feb 12 I received a $30 Retry fee.Feb 16th I received two charges from them for $63.07 each and acquired $25 return fee.Feb 20th I received $90 in fees due to them continuing to use my withdrawn ACH consent.For a total of $175.00 in fees that resulted in them continuing to charge my account after amending my ACH contract.Feb 22, 2024 I contacted Uown leasing and paid my contract in full for a one final charge of $445.66. During this phone call I discussed this situation with them and they denied any wrong doing.Upon moving forward with paying off and closing my account the operator asked me if I wanted to use the card they have on file. The operator sounded panicked and said " Oh yeah we don't have anything on file." I removed my banking information while I was on the phone with them on Feb 15th and they charged my banking account the next day. So i hope that they do not continue to charge my account after paid in full. I am very uncomfortable with this whole situation and hope that my banking information is used appropriately.I have attach two phone call records showing dates and times and a redacted version of my banking statement.I was a very satisfied customer up until this experience. I had never missed a payment since opening the account in April 2023, then I fell upon hard ship in January and suddenly I was a bad customer and they became unhelpful and aggressive.

  

  Business response

  02/23/2024

  Hi **** -

  We have closely reviewed this account and interactions with our customer service. On 1/26 we received a phone call in which you advised that we were drafting multiple times a day which was causing over $100 in fees. Our records do not show multiple attempts, nor does the bank statement you provided. We understood that you would not be able to make your upcoming payment and our agent offered to set a payment arrangement which was refused. At the end of the call, you stated that you would contact your bank and stop payment and then call in to make your payments, not for us to remove ACH withdrawals. This is a clear and unintentional misunderstanding and we sincerely apologize that this created a negative experience with us. We will refund $175 as requested, we just need to confirm if this will be done on the credit card or the **** Please let us know as soon as possible.

  Customer response

  02/29/2024

   
  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.

   

  Please have the funds deposited to my ACH account that is on file
  
  Sincerely,
  
  ***********************

*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. ↩