Consumer complaint received 2024-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
First off this isnt my first complaint on this same subject, after reviewing the companies response I have realized I shouldve provided more info on my issues with XXXX  XXXX XXXX  and Aqua finance. I am also unhappy with the CFPB for closing my first complaint. 

Some background, I had just moved into my new home, and in process of renovating my old home for my tenants, needless to say I was exhausted. Further more, the water quality at my new home was very hard and metal heavy, giving us digestion problems so I was a little desperate at the time of the signing. I am a night worker that works XXXX hours daily so during the time of any signings I did with Aqua and XXXX  I was not in any rational condition. 
Severe mistake of mine to have let my exhaustion get the best of me, I was rushed into signing paperwork, not realizing I was paying for a severely overpriced system with a ridiculous APR. if I had been more aware I wouldve never agreed to this contract. 
Being busy with work and home renovations I had let time go by. I had forgotten the contacts details. It wasnt until I got home a few weeks later that I saw what XXXX had done. 

The certificate of completion was signed by XXXX XXXX who had missed the problem. It wasnt noticed until I had gotten home a few weeks later. I did not sign the certificate myself because I was unhappy with the results. 
I did not like the installation they did, they ran a cable from the outside of my home to the inside of my home to plug into an outlet. I complained to XXXX  about the installation, I spoke to XXXX XXXX who told me it was the way the company did it and that nothing could be done to change it. I was very unhappy. XXXX offered to have my system inspected for performance which I declined because I saw no use for it since the system was working fine but it was the installation and arrangement of the system I had a problem with. It is affecting the way I arrange my room and its very inconvenient, XXXX XXXX from XXXX said he couldnt offer anything else to help my situation. 
I understand that XXXX provided pictures to Aqua fianc and Cfpb to show the installation, but I have doubts as to what was shown. It doesnt matter if the installation was up to standard, it was not approved by XXXX the customer. And I still strongly believe that the procedure shouldve been discussed first. 

Previously I had also tried to have the system removed but I chose not to since multiple XXXX  XXXX  representatives had told me I was still to pay the loan. Last thing XXXX suggested suggested I took care of the situation with Aqua finance.

Aqua finance was also negligent of my needs. All they did was state that I signed the contract and that I was responsible for paying it off. Typical of any shady business. They ignored my actual issues and They ignored the fact that I didnt sign the certificate of completion. 
I also believe that 3 days is very little time to cancel. I am sure that if it was legal for XXXX  or Aqua finance to do so they wouldve given us NO time. They know what they are doing and they wanted to defraud me since the start. They are XXXX companies that are preying on unsuspecting and exhausted people. 
Last part. I was informed by XXXX that Company XXXX XXXX XXXX had posed as a XXXX parcel on hold notice in the mail to get him to contact them. 
Bad business practice. I mentioned this to XXXX XXXX Aqua finance who did not seem to care. 
Since the day of the contract I have been refusing to pay off the loan. I will notify the credit unions of my situation since I plan to escalate this if the CFPB doesnt help.

I want to provide dates and documents but I am very limited. I have provided a copy of the contract and a picture of the installation detail I have an issue with.

Company response to consumer: Closed with explanation