Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I never got a copy of the contract I " signed '' with Aqua Finance for my water softener system. I noticed that although I was and have been paying on time the balance never went down. The door to door sales rep XXXX XXXX also, after I checked my credit report and saw a company I had never heard of called XXXX XXXX made a hard inquiry for a loan. I called XXXX XXXX, and they told me XXXX XXXX had run my information for a loan for a water softener system, but they had denied it. That's when I called XXXX XXXX and spoke with XXXX XXXX, and she gave me XXXX XXXX cell phone number, and he told me HIMSELF, he ran my credit Unauthorized to " try to get me the best rate. I was absolutely astounded. After that I called XXXX XXXX back, she said she was going to talk to him about it, he obviously lied to her and denied telling me he ran my credit Unauthorized but by the time she got back to me I had already filed identity theft with the FTC. XXXX XXXX told me there was nothing I could do about it. Around the middle of XXXX of 2025 I was going through my files with all of my contracts for everything I have ever had a contract for looking for the contract for a specific contract I needed for something at the time and it popped in my head to look for the Aqua Finance contract and the finance agreement since only {$19.00} of the {$130.00} was going towards the principal and the rest to intrest. I couldn't find it, nor any hard copy of it anywhere in my physical files, my XXXX XXXX XXXX XXXX XXXX, or even my email. I was confused but I thought back and I didn't remember GETTING a copy of anything or signing anything other than the XXXX XXXX XXXX had with him to run my credit with Aqua Finance, even though he said he represented Aqua Finance he really worked for XXXX XXXX. XXXX XXXX is who gave me THAT information when I called about the weird inquiry on my credit report. Nothing but a bunch of crooked scammers, Aqua Finance. When XXXX XXXX told me there was nothing I could do about it, to let it go, I was absolutely infuriated and couldn't believe a company would allow this to happen. FTC never did anything other than take my report over the phone. I never heard anything after I filed it. I have had identity theft, now a few times and my information is on over XXXX XXXX XXXX sites. Data breaches? I believe I'm at XXXX or so now all because my PII was copy and pasted by a door to door sales rep that admitted to me he ran my credit Unauthorized to try to get me the best rate. Represented Aqua Finance when he really worked for XXXX XXXX. I have gotten 2 alerts, and I have screenshots, stating my balance for Aqua Finance is paid in full. Yet " there's nothing you can do about it '' is the response I have gotten when I brought it to XXXX XXXX with screenshots of the tangible proof of it being paid in full. What XXXX XXXX XXXX XXXX XXXX  company. I just found out that the FTC actually has refunded hundreds of thousands of dollars to people who were taken advantage of and XXXX XXXX XXXX XXXX XXXX out of money by Aqua Finance but apparently even though I filed with the FTC and XXXX  for identity theft and fraud, the FTC did nothing for me. All I can say is WOW

Company response to consumer: Closed with explanation