Consumer complaint received 2019-05-15
Company: Aqua Finance, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a XXXX XXXX XXXX on XXXX. I had XXXX on my left XXXX in XX/XX/2018. I was home alone and had fallen three times and had a XX/XX/XXXX on. I hired a guy from XX/XX/XXXX XX/XX/XXXX to put handicap bars in my bathroom tubs. He came and as he was leaving the pain was unbearable so I took a pain pill. 
The guy left and a man walked up and I asked him if I could help him he said he was here to sell me a walk in tub. He claimed to be an employee of XXXX XXXX XX/XX/XXXX of XXXX XXXX, SC. I asked him how much he said {$20000.00}. He came in and gave his speech and I figured he would figure that I had no money and just leave. I was wrong. He placed a phone call to the finance company and he said no interest for six months and a payment of {$240.00}. He asked if I could afford it and wrote a contract. I was again in a cast and told him about falling and that I was on pain medication. The tub which I couldn't use was installed unprofessional. It was leaking from the valve on the outside. They finally got it fixed. I couldn't use the whirlpool part until my cast was removed months later. 
I had a short pain medication supply and The paperwork I kept reading but couldn't barely read it and the paper credit card was typed out as the XXXX XXXX XX/XX/XXXX XX/XX/XXXX. I found a number and called XXXX XXXX who financed the {$20000.00}. The lady I spoke with during the no interest period said there was no lien but she could get one if need be but no interest. I asked about payment and she had a big pause I said {$240.00}? She said yes. Still nothing in writing. 
I took the paperwork later to my bankruptsy attorney and he looked at the terms. There was no way on XXXX and debt to income ratio that I shouldn't have been approved. I had no choice but to file Chapter XXXX. I had a credit score around 730 before the account. I did file with the SC US court Chapter XXXX. My payment on mainly expenses and attorney fees that I wasn't aware of on the back end was XXXX per month. It has been a terrible year and mainly in nsf and overdraft and having to get food from resources. 
The main issue is XXXX never filed a claim with the court and the trustee said they were notified as was XXXX  XXXX XXXX and it was to late to file. When I pulled my credit report 3 annual free it listed XXXX and the others but it did not list XXXX in chapter XXXX. I have called XXXX XXXX and XXXX but heard from no one but one lady from XXXX who said another department was handling the bankruptcy part. I have filed disputes with each creditor and my attorneys office paralegal said don't pay attention until it is over and then pull credit reports due to inaccurate reports. I have also filed a dispute with the BBB on both XXXX and XXXX whom has numerous complaints for the same deceptive practices. I still think they knew about the XXXX and pain medication. 
Also XXXX never got a permit and a protective device when you have electricity and water wasn't installed nor was the breaker changed. No electric inspection and a worker went under the house connected the pipes and electrical to some unknown means. I know I have forwarded information that you probably can't use and if I need to just finish the Ch. XXXX and see if they try to get a lien or something since my account shows pays as agreed. One more note I received a bill which I am trying to re find it was for XXXX the first and only one was over {$600.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation