Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Time Investment Company, Inc. (NM)

Complaint:
Approximately XXXX of XXXX my family and I were approached by a vendor from XXXX XXXX at XXXX offering a free home water analysis. 
A Representative from XXXX XXXX XXXX  ( XXXX  ) named XXXX XXXX came to the home to Test our water. He conducted a presentation XXXX pitch indicating how our water was bad and the equipment from XXXX XXXX XXXX would provide our home with the softest and cleanest water in town. 

I indicated that I was not able to purchase or agree to obtaining the products at the time due to medical and financial issues. He understood yet was persistent on getting the equipment that day as I would be offered an additional {$500.00} off the total price. I refused. I was speaking to a representative by the name of XXXX @ XXXX, negotiating on the price for the equipment. I asked if they gave any military discounts, since Im a proud husband of my wife who was serving for 22 years in our XXXX XXXX. I agreed to $ XXXX tax, which came to {$5600.00}. 

XX/XX/XXXX, XXXX A couple months later XXXX XXXX called me to follow up and inquire if this would be a better time to obtaining the unit and their services. I also provided her with a check to setup auto-pay. 

She stated that I could finance the unit and I agreed. Weeks later, I was advised that I was not approved to have it financed and that I would need to write a letter explaining my financial circumstances. I was asked to obtain a letter from a notary indicating that my wife had given me permission to have the unit installed in her home and that she was not able to finance it due to her military XXXX XXXX. I was advised that this process would be through their Time Investment Company , Inc ( TIC ) and also their in house financing. About 2 weeks later I received a phone call stating that I was approved, and they wanted to schedule an appointment to come out and install the equipment. XX/XX/XXXX XXXX came out to install the systems. 

I had been receiving numerous harassing emails and phone calls after I advised TIC about breaching their own contract, incomplete work that needed to be done along with damage to our home ( XXXX  ) and that I wasn't going to be sending any payments to them. I contacted TIC numerous times trying to resolve all the issues and got nowhere. They attempted cashing one of my checks twice ( check # XXXX ), I had already canceled the auto-pay and contacted them about this. I received two {$29.00} NSF fees from my bank. Eventually I had the water tested and there was still hardness. This is a scam, its fraud. 

I sent them a cease and desist letter to TIC ( received by XXXX XXXX XX/XX/XXXX ) - " To cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt via the telephone or email. '' I was contacted 4 times after they received my cease and desist letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). These are violations of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act. I can also provide more emails received before the cease and desist was sent if needed.

Company response to consumer: Closed with explanation