Consumer complaint received 2018-09-15
Company: PREFERRED CREDIT INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I responded to a postcard received in the mail stating I could receive a free XXXX detergent. Curious about this I called & talked to a XXXX XXXX telling me that I could get a free air quality check. He told me he normally only did this for a home ; but because of my concern about my XXXX & XXXX problems he would come & test my apartment. On XX/XX/XXXX he came & did a air check & told me that I had mold a pet danger in high amounts. Next thing I knew, he brought an air purifier in & turned it on & proceeded to lit up a cigarette to show how it took the smoke in. He told me he would give it to me for the price of {$500.00}. Out of desperation to help my XXXX problem, I thought I would try it ; but asked him if I could change my mind & he just gave me this funny look & told me that I would ruin my credit. 

The day after, I received a unexpected medical bill & would not be able to afford another payment. I called Preferred Credit, the financial place, the operator could not find my a/c number I was given. I told her I wanted to cancel my contract & she told me to call the seller. I called Mr. XXXX the same day & had to let a message telling him I needed to cancel my contract. He called me the following day & was not happy that I was cancelling. He told me that he would come & pick the purifier up in a couple of days. Next thing I knew, he dropped off a remote for the purifier when I was not home. 

I called Preferred Credit again to cancel telling them that I talked to Mr. XXXX. They told me they would contact him. They called me back & told me that he said he never talked to me. I talked to them again, I think they called me telling that I needed to cancel within 3 days which I did. The person got smart telling me that I had to cancel by signing & returning the contract. Now I know why when I got the contract from Mr. XXXX that he had it stapled all together. Normally u are just given the contract. She told me that it was not the responsibility of the seller to tell me that I needed to sign the contract & return it in order to cancel the contract. 

I signed the contract & mailed to Mr. XXXX with a letter stating that I wanted to cancel the contract & to delete all my personal & financial information. I told him I would let everybody know what a honest salesman he was especially to a single senior citizen. 

He called me that he received it & that he now remembers talking to me. He had fallen & had a concussion & he now remembers talking to me. He told me he could not cancel the contract that only Preferred Credit could cancel it. 

I have never experienced such unprofessional & deception ever. 

Now I can not afford to make this payment in XXXX & if I don't I will damage my credit. I still have the purifier ; but I do not use it. I think I was scammed because I desperate to find something to work for my XXXX. 

Somebody was lying to me about cancelling when Preferred Credit told me I had to talk to Mr. XXXX & he told me I had to talk to Preferred Credit. Mr. XXXX I feel tried to deceive me by stapling the contract so I could not see the conditions of the cancellation & nobody told me this. I signed the about part about the financing. I never heard of not being able to cancel anything.

Company response to consumer: Closed with explanation