Consumer complaint received 2026-06-12 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: FCC Finance, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the business practices of XXXX XXXX in XXXX Texas and FCC XXXX in XXXX Texas related to a flooring installation project completed at my home in XXXX, Texas. My husband and I are retired XXXX XXXX XXXX veterans living primarily on retirement and XXXX income. We are also raising three young children with XXXX XXXX Because we live on a fixed income, affordability and transparency were extremely important throughout this process. On XX/XX/year>, an XXXX XXXX salesperson named XXXX came to our home to provide an estimate for flooring replacement. During this appointment, our credit was run and financing options were discussed. We were presented with financing terms carrying interest rates of approximately 15 % to 18 %, with monthly payments exceeding {$500.00}. I specifically informed XXXX that we could not afford payments exceeding {$500.00} per month. We did not agree to proceed under the financing terms presented because they exceeded our budget. XXXX stated that he would continue trying to locate financing that better fit our familys financial circumstances. On XX/XX/year>, XXXX XXXX unexpectedly arrived at our home to begin installation. Because we had not knowingly agreed to financing, I contacted XXXX to question how the project was proceeding. XXXX advised that suitable financing had been found and explained that the lack of communication from the financing company was due to a family emergency. Despite our concerns, the installation proceeded and continued through approximately XXXXXXXX XXXX on XX/XX/year>. During this period, our family incurred unexpected hotel expenses because portions of our home were unusable. During the installation process, XXXX XXXX removed all four toilets from our home. Prior to the work beginning, we were never informed that problems could arise with the toilet reinstallation or that a plumber might be required. After the flooring work was completed, our toilets were left unusable, requiring us to hire a plumber at an unexpected out-of-pocket cost of approximately {$1500.00} to restore our bathrooms to working order. Following the installation, we discovered multiple concerns regarding the quality and safety of the work performed. We repeatedly contacted XXXX XXXX regarding these concerns and requested inspections and repairs. Despite numerous attempts to resolve these matters, our concerns were not adequately addressed. XXXXne of our most serious concerns involved the stair installation. After the flooring was installed, L-shaped stair edging significantly reduced the usable walking surface of the stairs. The stair treads measured approximately 9 inches in usable depth from front to back. Members of our household found it necessary to descend the stairs sideways to avoid catching their toes on the stair edging. Despite expressing concerns regarding the safety of the stairs, corrective action was not taken. On XX/XX/year>, I fell on the stairs when my toe caught on the stair edging. I sustained injuries to my hip, shoulder, and leg, requiring medical evaluation, treatment, and additional diagnostic imaging. Additionally, FCC Finance later claimed to possess financing documents bearing our signatures. We dispute knowingly entering into the financing agreement currently being enforced. We never knowingly agreed to financing with payments exceeding {$500.00} per month, nor were we informed that alternative financing had been finalized and accepted by us. FCC Finance has also represented that a lien exists against our home. As Texas consumers, we are concerned about the business practices involved in this transaction, including the lack of disclosure regarding additional expenses, the circumstances surrounding the financing agreement, and the failure to address serious workmanship and safety concerns after they were reported. I respectfully request that the Texas Attorney Generals Consumer Protection Division review this matter to determine whether the conduct described above violates the Texas Deceptive Trade Practices Act or any other applicable consumer protection laws. I am prepared to provide supporting documentation, including photographs, stair measurements, plumbing invoices, hotel receipts, correspondence, financing records, and medical records related to my injuries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation