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Business Profile

Financing

Aqua Finance, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

Customer Complaints Summary

  • 310 total complaints in the last 3 years.
  • 132 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/17/2025

    Type:Billing Issues
    Status:
    Resolved
    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 have a loan financed through Aqua finance, because of seasonal work I pay payments in advance, I spoke directly with one of their agents explainingI wanted my payment stretched five months and not a principal payment. They however, applied three months of payments and the rest to principal. Ive reached out to them 15 times they see the money, but cant understand why it was not applied to stretch the payments paid through for five months. This has been gone on for two months. Ive been waiting for the resolution team to correct their error and they havent.since then I was receiving Collection calls, past due notices and now its affecting my credit report they did stop the collection calls and billing, but its been far too long for them not to have applied the payments to where they were instructed to apply them. Their mistake is causing me financial disaster with a credit bureaus.

    Business Response

    Date: 03/27/2025

    Dear *****,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. Recently, we have made an attempt to contact you to discuss how we resolved this matter. We have been unsuccessful in reaching you. We believe all your concerns can be answered. If you are willing to talk with us, please call us at *********************.

    -Aqua Finance

    Customer Answer

    Date: 03/27/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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. 

    Regards,

    ***** ****

  • Initial Complaint

    Date:03/16/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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.
    On 03 September 2024 my husband and I made a purchase from ***. We were promised a full year no payments or interest. After install of the product, our first statement from **** was no payment due. The next months statement suddenly shows we are late. Upon reaching out to ***, I have been shuffled around and ignored until someone finally revealed to me that we apparently did not qualify for that promotion. Now we are three months behind and cant feed ourselves because of the payment we were promised would not be due for a full year. We were also coached to search for a better interest rate for the next year .Loan for the amount of $44,856 ends up costing $107,530.20. I am a 100% disabled service connected veteran protected by ************ Lending Act.

    Business Response

    Date: 03/21/2025

    Dear ****,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. Recently, we have made an attempt to contact you to discuss how we resolved this matter. We have been unsuccessful in reaching you. We believe all your concerns can be answered. If you are willing to talk with us, please call us at **********************.

    -Aqua Finance

  • Initial Complaint

    Date:03/14/2025

    Type:Product Issues
    Status:
    Answered
    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.
    Per our previous agreement I would be issued a refund for the overage of payment reveived, I have not recevied any refund, any when i call the Representatives will make me aware there has been no action on my account and nothing is even processed. I would like to resolve this issue . I can obtain written agreement and upload later

    Business Response

    Date: 03/21/2025

    Dear ******,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. We trust all your concerns have been answered. If you have additional concerns, please call us at **********************.

    -Aqua Finance

  • Initial Complaint

    Date:03/11/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Aqua Finance is company that Camping World financed our loan through for our camper they do not explain the type of loan how they apply payments and cannot explain anything but if you get behind they are on the phone with you. we have been paying for over 2 years and still owe almost what we financed everything seems to go to interest need to explain loan and cannot.

    Business Response

    Date: 03/17/2025

    Dear *****,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. We trust all your concerns have been answered. If you have additional concerns, please call us at **********************.

    -Aqua Finance

  • Initial Complaint

    Date:03/10/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    AQUA FINANCE Date:$94970 Amount:1/9/2024 Acct#X40713XXXX.According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress

    Business Response

    Date: 03/19/2025

    Dear *****,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. Recently, we have attempted to contact you to discuss the results of our investigation and have been unsuccessful in reaching you. We would like the opportunity to discuss our findings with you. If you are willing to speak with us, please call us at **********************.

    -Aqua Finance

  • Initial Complaint

    Date:03/05/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 called this company to have them transfer my account to another person that is buying my house. The customer service representative did not ask for my information just tell that they cant do it. I then asked for a supervisor and was denied. I then gave my phone number to the representative and was told that he couldnt find it, I spoke to the company Monday, 3 March. The person buying my house wants to have the account in his name.

    Business Response

    Date: 03/14/2025

    Dear *****, 

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. We trust all your concerns have been answered. If you have additional concerns, please call us at **********************. 

    - Aqua Finance

  • Initial Complaint

    Date:03/05/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    cently reviewed my credit report and noticed an inaccurate and invalid account reported by *************************** Name). This account is not valid,and its presence on my report is a violation of the Fair Credit Reporting Act (FCRA).Under the ****, all reported accounts must be accurate,verifiable, and legally collectible.This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt,and without sufficient proof, it should not be reported.I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of the account, it must be removed in compliance with federal law.

    Business Response

    Date: 03/07/2025

    Dear Paris,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. We would like to learn more about your concerns to help us do better, however we cannot locate your account with the information provided. Please call us at ********************** so we can more quickly address your concerns.

    - Aqua Finance

  • Initial Complaint

    Date:03/04/2025

    Type:Order Issues
    Status:
    Answered
    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 not liable for this debt and I do not have a contract with ******** plus they did not provide me with the original application like I asked.Account No: ****** Amount Disputed: $6983

    Business Response

    Date: 03/12/2025

    Dear Dion,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. We trust all your concerns have been answered. If you have additional concerns, please call us at **********************.

    -Aqua Finance

  • Initial Complaint

    Date:03/03/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 was miss lead by this company on the amount of interest they charge i have paid hem over $627 dollars in 3 month and only $72 dollars has gone to principal in 3 months. the orignal blanace was $19500 as you can see buy the photos i have provide i still own $19427. the balance should be way lower with the amount I'm paying this company should be shut down for ripping people off. they make it imposable to pay it off. the amount i have paid this company i should only own $18945 not $19427.

    Business Response

    Date: 03/12/2025

    Dear ****,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. Recently, we have attempted to contact you to discuss the results of our investigation and have been unsuccessful in reaching you. We would like the opportunity to discuss our findings with you. If you are willing to speak with us, please call us at **********************.

    -Aqua Finance

  • Initial Complaint

    Date:02/28/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Aqua finance put a lean on my home without my knowledge. A small landscape job which was supposed to be a small remodeling loan turned into a lean on my 1.3 million dollar home over a 50 dollar landscape loan. When my loan officer reached out to me with this information and the contract doesnt make sense. He stated this is completely illegal. So now I have to seek legal help to remove what looks like a second mortgage has been taken out on my home. When I called the landscaping company ( ***** ) they said it was supposed to be a revolving line or personal credit and said what aqua finance did after that has nothing to do with them but Im still confused on how I went through ***** but they transferred me to aqua and aqua has done a illegal loan on my home and my credit.

    Business Response

    Date: 03/06/2025

    Dear *********,

    Thank you for your feedback; we appreciate you letting us know how we are doing. Aqua Finance's goal is to provide an unmatched experience for our customers. We trust all your concerns have been answered. If you have additional concerns, please call us at **********************.

    -Aqua Finance

Aqua Finance, Inc. is NOT a BBB Accredited Business.

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