Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lewis & Clark Capital LLC (TX)

Companies involved XXXX XXXX XXXX FTL Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I placed a ticket for a leak in my Central AC unit with my XXXX XXXX XXXX XXXX XXXX XXXX, apparently XXXX XXXX  took the assignment. Unfortunately, instead of trying to fix my unit and share with my that my current unit was still under 8 years warranty, their goal was to sell me a new unit. 
Their sales tactics were unethical and a cooling system was sold under false perceptions and intentions. This is a recount of how I came to do business with this/these companies. I was having Central Air leakage through my ceiling. I made a claim to XXXX XXXX XXXX and they sent XXXXXXXX XXXX 
1, When XXXX arrived he asked what the problem was, I explained what was occurring. 
2. I explained there were repairs completed a couple of years ago however I was not sure exactly what was fixed. 
XXXX. XXXX shared with me that they have 3 units they were trying to sell and he could offer me a good deal. He explained that they carry XXXX products and that I would get a XXXX if I agreed to go with them. However, he stated that he would take a good look at the system and let me know what was going on. 
4. I learned that there was a leak in the system when I noticed XXXX on the side of the house adding coolant at which time he stated there was a leak and that it would only get worse over time and eventually XXXX will no longer cover. 
5. After XXXX left, I called him back stating that I would move forward, however I had no knowledge that my current system was still under an additional 8 year warranty, as it had only been installed in XXXXXXXX XXXX XXXX I was later informed by the installer of my former system that this is something XXXX should know, however he chose to pursue the path of selling a new AC unit. 
6. I feel lied to and tricked into replacing a unit that was still under warranty.

7. Additionally, I feel deceived into taking on a financial responsibility that was purely preventable and unnecessary. 
I ended up purchasing a new Central Air unit for XXXX. XXXX with XXXX shared with me that the financing would say XXXX as they are a brother/sister company who does the installation. I assumed this was not a problem until I learn I had ben swindled and tried to file a complaint with the finance company about XXXX XXXX and they stated they could not assist me because XXXX XXXX was the company I financed for. I believe these companies are working together and participating in fraudulent and unethical behavior and are swindling people out of thousands of dollars. I can not afford to take on a bill that was created out of vender dishonesty and lack of transparency. 

Please call me.Companies involved XXXX XXXX XXXX FTL Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I placed a ticket for a leak in my Central AC unit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apparently XXXX XXXX took the assignment. Unfortunately, instead of trying to fix my unit and share with my that my current unit was still under 8 years warranty, their goal was to sell me a new unit. 
Their sales tactics were unethical and a cooling system was sold under false perceptions and intentions. This is a recount of how I came to do business with this/these companies. I was having Central Air leakage through my ceiling. I made a claim to XXXX XXXX XXXX and they sent XXXXXXXX XXXX 
1, When XXXX arrived he asked what the problem was, I explained what was occurring. 
2. I explained there were repairs completed a couple of years ago however I was not sure exactly what was fixed. 
XXXX. XXXX shared with me that they have XXXX units they were trying to sell and he could offer me a good deal. He explained that they carry XXXX products and that I would get a XXXX  if I agreed to go with them. However, he stated that he would take a good look at the system and let me know what was going on. 
4. I learned that there was a leak in the system when I noticed XXXX on the side of the house adding coolant at which time he stated there was a leak and that it would only get worse over time and eventually XXXX will no longer cover. 
XXXX. After XXXX left, I called him back stating that I would move forward, however I had no knowledge that my current system was still under an additional 8 year warranty, as it had only been installed in XXXX of XXXX I was later informed by the installer of my former system that this is something XXXX should know, however he chose to pursue the path of selling a new AC unit. 
6. I feel lied to and tricked into replacing a unit that was still under warranty.

7. Additionally, I feel deceived into taking on a financial responsibility that was purely preventable and unnecessary. 
I ended up purchasing a new Central Air unit for XXXX. XXXX with XXXX shared with me that the financing would say XXXX as they are a brother/sister company who does the installation. I assumed this was not a problem until I learn I had ben swindled and tried to file a complaint with the finance company about XXXX XXXX and they stated they could not assist me becausXXXX XXXX XXXX was the company I financed for. I believe these companies are working together and participating in fraudulent and unethical behavior and are swindling people out of thousands of dollars. I can not afford to take on a bill that was created out of vender dishonesty and lack of transparency. 

Please call me, XXXX XXXX XXXX XXXX XXXX