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:10/05/2022

  Type:Service or Repair 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.

  September 29th I went online to buy used tires and found tire agent. They do a 90 same as cash so I did application. No where it stated a $40 app fee you don't see that til the very end which I didn't sign. Uown and Tire Agent are Crooks. They ran my card 4 times for a *****. Uown is the finance company. **************** is very rude! DO NOT BUY FROM THIS COMPANY

  

  Business Response

  Date: 10/05/2022

  Hi ***** -

  our processing fee is usually detailed in the first page of the lease agreement. The amount changes depending on each state and from customer to customer, we cannot advertise one set amount. The consumer can read this lease agreement and decide whether to proceed with the purchase. Your application was expired per your request and any authorization charges will drop off of your bank statement.

  Customer Answer

  Date: 10/05/2022

   
  Complaint: 18165963
  
  I am rejecting this response because: You never see the lease agreement til when you get ready to purchase after you give your card information. It did mention they will authorize your card for 1 cent but they authorize my card 4 times on Sept 29 went to bank today they said it was authorize again today. When I was approved that's where the $40 app fee should have been so I could see before going straight to purchase. Plain wrong deceiving scammers should be shame to do this. I will write reviews everywhere people need to know they're scammers and Tire Agent slso scammers.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 10/06/2022

  Hi ***** - there have been no authorization charges on the card provided after 10/1/2022, you may be seeing activity related to the original authorization. Again, these should fall off as these are just card authorization charges. If you'd like to submit a statement, we can review that on our end. The processing fee for most customers is due with their first payment, this is simply the way our program is and you are under no obligation to continue on with the purchase or lease agreement as you have already done. We have confirmed that your application was expired.

  Customer Answer

  Date: 10/07/2022

   
  Complaint: 18165963
  
  I am rejecting this response because: There was no indication about the $40 in the beginning and I needed a tire if I saw the extra $40 when I was doing the application I wouldn't have given my card number. I had to go through a bad ordeal with Uown and Tire Agent
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/19/2022

  Type:Product 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 havent heard anything about this since I put an order in and never received anything. I even called to tell the company that I never received the tires and Im constantly getting emails and phone calls. Felt really harassed for awhile for something I never received

  

  Business Response

  Date: 09/26/2022

  Hi ******,

  We unfortunately do not have any record of communication via phone or email advising us of this issue. We reached out to Tire Agent on behalf of this complaint and they also do not have any correspondence regarding the merchandise. The tracking information provided by Fed Ex/Tire agent indicates the items were delivered on 8/21/21(attached). Since over a year has lapsed since the delivery date, we are not able to conduct a proper investigation on this. Is there any other information you can provide so that we can help resolve this?

• Initial Complaint

  Date:09/15/2022

  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 got double charged plus a $15 late fee because they didnt take the payment out September 9th. Im on autopay and theres always money in my account. Called and got told my bank declined the payment. Lies. Always money in there so no reason it would be declined. I called and talked to someone that didnt care to hear anything I had to say. Asked for a supervisor but was told one wasnt available and they would call me back. Still waiting on the call. Now I woke up to another payment taken out and my payments dont come out until Fridays. Would have been nice to receive a call off my payment didnt go through. Im starting to think for the next 12 months, money will come out my account whenever they feel like taking it. Ridiculous!

  

  Business Response

  Date: 09/20/2022

  Hi ****-

  Your 9/2 scheduled payment returned, on 9/9 (as shown on your statement) the reprocessing system attempted to draft the payment due for 9/2, the regular due date of 9/9 and a $15 fee. Since the 9/9 was also not successful, the credit card attempted on 9/15. We understand your frustration, the $15 fee has been applied to your payment due for 9/16, only a partial payment is due as of now. We would recommend moving the due date out 1 or 2 days from your pay date and switching fully to a credit card so that payments process instantly.

• Initial Complaint

  Date:09/14/2022

  Type:Order 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.

  Made a purchase with Tire Agent using Uown as the leasing company. Signed purchase agreement and payment plan with Uown. Tire Agent canceled order, several weeks later, Uown takes payment. No merchandise was received from merchant. Called Uown and spoke with a representative and was instructed to send documents verifying cancelation of order. Sent email to documents department Uown from TireAgent of order cancelation. Spoke with another Uown representative and was told that there was nothing they can do to close the lease. Instructed to call Tire Agent, they confirmed canceled order. Told by Uown the lease is still open and they cannot close it. I'm essentially just giving them money, the agreement I signed is void due to me not ever receiving any merchandise.

  

  Business Response

  Date: 09/20/2022

  Hi *******, 

  thank you for bringing this to our attention & for your patience on this. We have closed this account and refund of the payments made has been initiated. Please allow some time for the funds to be back in the account.

  Customer Answer

  Date: 09/21/2022

   
  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:09/09/2022

  Type:Service or Repair 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.

  Account just opened, and I submitted my 1st payment due 9/1/22, early, $300, not $30, asking it to be applied to future payments. When we initially applied, I stated correctly my payments due date, based upon our financial situation, and the company has attempted to pull another payment. They knew full well out income, source, and dates. Weekly should be small payment amounts, and I paid $300, towards the loan. In an illegal attempt to force more $ out of me, they claim they cannot fix it since I'm now past due! We did this to build credit as well, so now they're doing nothing to assist. Horrible service, no customer service was not satisfactory even, and we will NEVER USE this company again! If you ask for $30 a week and I pay $300, you are attempting to FORCE additional payments out of disabled veteran family.

  

  Business Response

  Date: 09/12/2022

  Hi ******-

  The allocation of the $300 you paid in advance has been fixed - the account is not past due and is in good standing. The pay frequency has been changed to monthly (30th of each month) and your payment covered the month of August as well as a partial of September. We apologize for any inconvenience this has caused.

  Customer Answer

  Date: 09/12/2022

   
  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. Hopefully they can not do this to account holders further. I will report again if any further issues, I DO NOT trust this company AT ALL.
  
  Sincerely,
  
  ***********************

  Customer Answer

  Date: 12/01/2022

   
  Complaint: 17937231
  
  I am rejecting this response because: This account was paid off, and early payoff execution well before 90 days, the company pulled more money last night and has not attempted any response today. I have proof of payments and emails stating I was using 90 day payoff. Seeking refund and correction to a credit report
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 12/01/2022

  Hi ***** -

  we have refunded your final payment and you should receive a paid in full letter to the email on file in the next couple of days. We apologize for the inconvenience.

  Customer Answer

  Date: 12/02/2022

   
  Complaint: 17937231
  
  I am rejecting this response because: I will await the correction to my credit report, this refund, and email supposedly coming. I ask company to stop from this illegal attemp at attaching many accounts."90 days payoff" has been used by many to NO avail, this practice ALL together is fraudulent in handling, by this company, as multiple reviews state the same issues, I am reaching out to attorneys for class actions that can be pursued, as well. I want this practice of this illegal collection stopped. My acceptance of ANY answer will come AFTER they do as say, NOT one second before. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/06/2022

  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.

  My information was fraudulently used to obtain a lease with this company. I want my name removed from this lease. They have a phone number and account number of the person.

  

  Business Response

  Date: 09/06/2022

  Hi *******, 

  Thank you for bringing this to our attention. Please provide the following documents and we will review as soon as possible: 1) local police department report 2) FTC Report https://www.identitytheft.gov/#/ 3) Copy of Valid driver's license or photo ID 4) Proof of Address (such as a utility bill) any additional proof of fraud can also be provided.

  Customer Answer

  Date: 09/07/2022

   
  Complaint: 17916061
  
  I am rejecting this response because:
  I sent them the documents already@
  Sincerely,
  
  *************************

  

  Business Response

  Date: 09/12/2022

  Hi ******* -

  We have received the required information, our investigation has concluded and we have closed this account as fraudulent - thank you for your cooperation and patience.

  Customer Answer

  Date: 09/12/2022

   
  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:09/06/2022

  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.

  The Company, Uown Leasing advertises a 90 day same as cash option, then, illegally makes unauthorized ACH bank withdrawals causing transaction to be declined due to unrecognized debit(s) then Uown charges a illegal re-instatement fee to consumers, including *****************************. The company knowingly engages in bait and switch business practices, as evidence by the hundreds of BBB Complaints virtually identical to ********************************* complaint.Uown has refused to accept my pay-off payment of $301.98, instead, Uown has attempted to extort a $100.00 re-instatement fee from me. In addition, Uown, claimed, without written proof to support its claim, that on September 2, 2022, I, *****************************, was 79 days past due on a bi-weekly payment scheduled, when I asked how I was ****** weeks (79 days) past due, the representative could not explain this to me, instead, now claimed, I was current, even though Uown, just informed me that I wasn't. This company is a scam ripping off consumers with illegal bait and switch business practices, and fraudulent ACH bank transfers without consumers knowledge or consent. Uown debits multiple payments the same day, then charges bogus late fees to extort an unlawful ("Re-instatement ") fee.I can provide proof from bank records and a sworn affidavit to support my Complaint against this predatory company, Uown Leasing. I, ***************************** would like the BBB to investigate my valid Complaint against UOwn Leasing.On September 3, 2022, I made a final pay-off payment of $301.98, to UOwn Leasing to close this account. I will NOT pay Uown leasing another dime. I notified my financial institution, ***** Fargo to reject any further attempts by Uown Leasing to debit my bank account. I am requesting a written letter from Uown Leasing advising this account has been paid as agreed, and closed.I will NOT accept anything less.*****************************

  

  Business Response

  Date: 09/06/2022

  Hi ******-

  we understand your frustration. To clarify - your 6/15 due date payment declined *** on autopay which generated an *** fee. The payment was paid later that same day, but the fee was outstanding which is why the account was showing 79 days past due incorrectly. Our company does offer a reinstatement fee for the loss of the 90 day option and the agent misinformed you due to the *** fee not being paid. This was not intentional and a supervisor attempted to reach out and explain this. The account is closed and considered paid in full as long as the final payment of $301.98 clears. We will send a paid in full letter to the email address on file as requested.

  Customer Answer

  Date: 09/07/2022

   
  Complaint: 17903591
  
  I am rejecting this response because:

  I have reviewed the Uown Leasing response to my Complaint and reject the company's response as deceptive and misleading to the BBB.

  First, Uown withdrew money from my account without my knowledge or consent. I have attach a inquiry from my bank showing Uown made 2 fifteen dollar withdrawals both on the same day they claim my account was 79 days past due.

  Indeed, besides that response from Uown being utterly ridiculous, nothing Uown Leasing tells the BBB makes any sense. In any event, it is clear that my bank returned those unauthorized payments back to my account, this hardly constitutes a NSF.

  Uown Leasing is both a predatory business with unethical business practices, stealing from credit consumers, then, when they are confronted, throw thier account representatives under the bus. For example, in thier response, Uown Leasing claimed a supervisor tried to contact me, however, in reality, the representative is on tape telling me the supervisor was busy and could not come to the phone.
   Even more interesting, Uown Leasing could not explain to me how the account that was allegedly 79 days past due, "wallah" like a carnival magician's act, the account  was magically, now current.

  Finally, the BBB need only look to thier own data base of complaints regarding Uown Leasing to validate my Complaint against Uown Leasing. This company needs to be held accountable for thier illegal and unethical business practices, for this reason I do not accept the response from Uown Leasing, and i am currently pursuing a class action lawsuit against Uown Leasing a company d its parent company, 777 Partners, LLC.

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

  

  Business Response

  Date: 09/14/2022

  Hi ******,

  We have explained that the agent misinformed you due to an error, and apologized as it was not intentional. We also explained the *** fees, which you have confirmed that were issued back to you via your bank. We have provided the paid in full letter that was indicated as the desired outcome to the BBB. As of now, we have received the documents you have sent to us and are being reviewed. If you should need anything else regarding this specific complaint, please let us know.

  Customer Answer

  Date: 09/15/2022

   
  Complaint: 17903591
  
  I am rejecting this response because:

  As previously stated in ********************************* response, Uown Leasing  is a predatory business that intentionally engages in the unethical and criminal practice of stealing money ("unauthorized bank draft(s)) from credit consumers, including ******************************

  For example, Uown Leasing without my consent, and in breach of contract, was authorized to debit a single payment of $22.48, instead, Uown Leasing took (2) payment(s) from my checking  account, totaling $44.96, since ***************************** never agreed to the debit of that amount, this was theft from a banking financial institution with the specific intent by Uown Leasing to defraud a financial institution.

  Now, at the Eleventh hour, Uown Leasing desperately attempts to put forth the ridiculous defense that somehow, its actions were somehow a mistake, nevermind the litany of virtually identical complaints of unauthorized debit(s), recieved by the BBB.

  Indeed, Uown Leasing response(s), to the BBB, tlo date are miserably pathetic, and defies even the most basic explanation.

  Again, as an example, in its response, Uown Leasing takes the off ramp, and avoids explaining to the BBB, why it took two payment(s) on the same day, since Uown Leasing recieved those payment(s) without consent, or authorization, this cannot possibly be an NSF event.

  If that failure wasn't enough, Uown Leasing tells on its ownself by acknowledging the fact, that the financial institution in question, returned the (2) fifteen dollar payment(s) stolen by Uown Leasing, when it determined the payment(s) were fraudulent, again, returning funds back to an account, does not raise to the level of NSF.

  Finally, as previously stated, *****************************, then, and does now, reject the response from Uown Leasing, and fully and unequivocally intends to move foward with a class action lawsuit against Uown Leasing, 777 Partners, LLC, its agents, and officers.

  THERE WILL BE NO FURTHER COMMUNICATION WITH UOWN LEASING BEFORE THIS ACTION IS TAKEN. ******************************** REQUEST THE BBB FILE IN THIS MATTER, NOW BE CLOSED.

  AS A ADDENDUM, NO LETTER STATING THE CONSUMER CREDIT ACCOUNT WAS PAID IN FULL, AND CLOSED, WAS RECIEVED FROM UOWN LEASING, AS THE COMPANY FALSELY CLAIMS.

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

• Initial Complaint

  Date:09/01/2022

  Type:Service or Repair 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.

  uown leasing is charging me and refuses to give me my money back for a phone that I do not have never had. This is the worst company never purchase or use them for anything, they are rude I have explained to them several times I don't have a phone with them please stop charging my account and they keep charging it for something I don't have. This is frustrating especially because my money is being taken for something I don't have.

  

  Business Response

  Date: 09/08/2022

  Hi ******* -

  We reached out to the merchant on your behalf - they have advised us that there has not been a tracking number provided as required and the return has not yet been received. Do you have this information so that we may forward it to them? We will proceed with cancellation process once this has been provided.

• Initial Complaint

  Date:09/01/2022

  Type:Service or Repair 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.

  Have made **** dollars worth of payments and have never missed a payment until last week. I can noonger afford to keep paying another **** on top of the **** I have already paid. Asked to settle my debt which is around 120 more dollars was told I missed the 90 day payoff window. Would like to get this resolved but I just cannot afford to keep paying almost 100 dollars weekly. Kind of seems like preadoratory lending practices.

  

  Business Response

  Date: 09/06/2022

  Hi ******-
  The signed lease agreement is for a 13 month duration for 56 payments of $84.04. The 90 day same as cash is just an option within the lease and expired on 7/4/2022. This is not a predatory lending practice as we are abiding by the contract. The full contract balance is outlined and explained on page 3 (attached). If you are in need of a temporary hardship, our account management team can help you set arrangements. The account can also be paid off early at a discount of up to 30% at any time until the end of the 13 months as long as it is in good standing. This is still a substantial savings on the remaining contract balance. 

  Customer Answer

  Date: 09/08/2022

   
  Complaint: 17907770
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:08/27/2022

  Type:Service or Repair 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 fraudulent account opened in my name for two different amounts I've had several interactions with the customer service trying to get them to stop calling me I filed a complaint about the fraudulent charges I just want them to stop calling me and to remove me from their accounts.

  

  Business Response

  Date: 08/29/2022

  Thank you for bringing this to our attention. Please provide the following documents and we will review as soon as possible:
  
  1) local police department report
  2) FTC Report https://www.identitytheft.gov/#/
  3) Copy of Valid driver's license or photo ID
  4) Proof of Address (such as a utility bill)
  
  any additional proof of fraud can also be provided