Consumer complaint received 2019-01-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc. (WV)

I purchased a XXXX XXXX from a person who showed up at my home. I regretted the purchase and the next day delivered my cancellation notice, according to the contract. The company, XXXX and XXXX or XXXX XXXX ( running under two names, Im not sure which is legit ) acknowledged receipt and we were told they would process the cancellation. They never did. According to contract after 10 days my deposit was to be returned, no return. After 20 days, according to contract, I could dispose of the product or keep it with no further obligation. After not hearing anything, on day 20 I contacted the finance company, XXXX XXXX XXXX XXXX, and told them what happened. They confirmed I followed the steps. They finally got a hold of the company, after I contacted them. The company didnt process my cancellation. They disrespected my family and treated us horribly. They sent someone to my home at XXXX at XXXX  with no phone call or anything and then they guy through a fit on my porch when I wouldnt answer the door to give him the product. The company didnt follow the contract and I was nice enough to alert the finance company. They had all the evidence and confirmed that to me we followed the contract. BUT thats when things changed. I told them I was no longer under obligation to give the vacuum back according to contract. XXXX XXXX XXXX then contacted me, told me they'd damage my credit if I didnt give it back. They accused me of lying after we supplied the evidence that we followed the contract. I read the contract and the lady, XXXX, told me she didnt care, she was going to hurt my credit. I did everything I was supposed to do and the finance company threatened me repeatedly, even though I followed the contract and XXXX XXXX XXXX didnt and even admitted they didnt. XXXX XXXX  XXXX and the shady XXXX XXXX XXXX worked together to threaten me and my credit which could affect my employment. XXXX XXXX XXXX XXXX is crooked and people should not do business with that company. I felt defenseless and backed in a corner with no help. I followed the contract stipulations and XXXX XXXX   XXXX did not but XXXX didnt not care and threatened me. I told them if I didnt honor the contract they would hold me to it why were they not taking it up with XXXX for not obeying the contract? She said she didnt care, had nothing else to say to me and that was it, she was going to leave it on my credit. I dont have the time or ability to fight this although I can prove I followed the contract and they broke it. I finally scheduled a time for them to come pick the product up, over a month late after being threatened with my credit, although I had no obligation to since I followed the contract. XXXX XXXX XXXX XXXX is a bad company. I believe they work with this shady company to trap people and then threaten them. The company, XXXX XXXX  XXXX, says their name is XXXX XXXX when all of their receipts and paperwork say XXXX. According to XXXX, XXXX XXXX  XXXX has horrible reviews and shows that it is closed. Very shady business practices.