Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC. (NC)

I humbly write this letter to seek ( and plead for } your help in a matter that I believe to be unfair trade practices and malicious intent. I made a purchase of furniture from XXXX XXXX XXXX in XXXX, NC on XX/XX/XXXX. The furniture was financed through three ( 3 ) finance companies : Tidewater Finance, XXXX XXXX and XXXX XXXX XXXX. As you will see in the enclosed letter from my attorney and supporting documents, XXXX XXXX XXXX breached the contract by not delivering all of the furniture that was ordered by the delivery date guaranteed by XXXX XXXX XXXX. All furniture was to be delivered in its entirety by XX/XX/XXXX. The bulk of the furniture that was delivered was incorrect ( delivered wrong size beds and matrices ) per the purchase order and the remaining furniture that was delivered damaged. I never received all of the furniture that was stipulated in the purchase order and, based upon this breach, I cancelled the entire order. 

Specifically, my complaint is regarding to the refusal by Tidewater Finance to refund all of the money that was financed through it and remove all negative entries to my credit report. When I cancelled the order in XXXX, I was refunded all of the money from XXXX XXXX and XXXX but Tidewater Finance only refunded part of the amount financed. I returned all of the furniture that was delivered within the original purchase order, including a king size bed headboard and footboard that was incorrectly delivered. 
I have enclosed all of the documents that I prepared for my attorney to ensure her letters were factual and complete. I have also included a copy of an email I sent to my attorney showing very negative information posted to my credit report by XXXX XXXX. All furniture that I received was returned, including items that were delivered the wrong size. XXXX XXXX and XXXX each refunded the entire amount of money and removed negative postings from my credit report. XXXX, however, has not only failed to cancel its financing agreement, it has continued month after month to increase the balance it says I owe. I have pasted a copy of my credit report regarding Tidewater Finance in an effort to illustrate the damage they have done to my credit. Because Tidewater Finance continues to report that I have an unpaid balance of {$510.00} and their egregious actions of adding to my balance a late fee per month since XXXX. I have been denied credit three times. Tidewater Finance has destroyed my credit and continues to do so each month. 

I beseech you to help me resolve this injustice. I retained no furniture from the initial order yet Tidewater Finance claims I do. My attorney has tried many times to get Tidewater Finance to remove the posting from my credit report. My attorney hopes your agency can get resolution of this issue so that I do not have to incur any further legal fees. I have been XXXX since XX/XX/XXXX and I need Tidewater Finance to completely remove any balance and all postings to my credit report so I can start repairing the damage its actions have caused. 

Respectfully, XXXX XXXX XXXX