Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Aqua Finance, Inc.
State: TN

Complaint narrative:
I am filing a formal consumer protection complaint regarding illegal payment packing, material financial misrepresentation, and intentional document concealment orchestrated by XXXX XXXX and financed via Aqua Finance. During late-night, high-pressure contract negotiations on Friday, XX/XX/XXXX, XXXX Manager XXXX at the XXXX XXXX location engaged in systemic predatory lending tactics to force the execution of a high-interest consumer loan : Document Alteration & Fraudulent Menus : XXXX Manager XXXX utilized a non-compliant warranty menu XXXX hand-writing arbitrary monthly payment amounts and physically scribbling out the XXXX insurance line item. The exact cash costs of the packed third-party warranties and ancillary packages ( including a XXXX dollar couch add-on, a backup camera, and an accessory package ) were intentionally concealed. I was ordered to " sign here and here '' while the actual financial obligations and itemized costs were completely blown past to boost back-end dealer commissions. Deceptive Financial Misrepresentations : XXXX Manager XXXX explicitly stated to me that I would " never be upside down '' on this loan due to the equity value of my RV trade-in. This was a malicious, false assurance used to induce contract execution ; a subsequent independent valuation has since confirmed I am heavily upside down in an un-vetted loan with Aqua Finance. Intentional Withholding of Signed Contracts : Upon auditing my final take-home loan packet, the dealership actively violated federal Truth in Lending Act ( TILA ) disclosure mandates by intentionally withholding and failing to provide copies of the hand-written warranty menu and the executed " Vehicle Capability Form '', mine and my wife 's credit score disclosures, and the signed Due Bill from our delivery packet. They are actively concealing these signed consumer contracts to hide the evidence of their payment packing and coerced liability waivers. Fraud in the Inducement : Multiple dealer employees repeatedly gave false verbal assurances that my vehicle ( 2017 XXXX with a XXXX wheelbase and a hard XXXX lb hitch receiver limit ) was safe and capable of pulling the financed XXXX Grand Design Imagine XXXX travel trailer ( XXXX lb GVWR with a XXXX to XXXX lb real-world tongue weight ). The dealership forced me to sign a " Vehicle Capability Form '' under a time crunch, using fraudulent mechanical assurances and specifically claiming they " modified '' a cast-steel hitch apparatus to carry above the manufacturers hard ceiling of XXXX lbs of tongue weight when they were notified about the safety issue. We returned on Saturday, XX/XX/XXXX, to find a solution after reporting the safety issue to the dealership staff after leaving the dealer and noticing a violent sway and jerking from the trailer at well below highway speeds. After returning to the dealer and waiting for several hours to speak with the XXXX manager and find a solution we were ghosted by the dealer when they took the vehicle and trailer behind a closed gate and " modified '' a cast steel hitch with a hard manufacturers weight ceiling as list prior. The service department left my vehicle outside the gate with the keys in the ignition and after several requests as to what the department did with no answer we were instructed to " go use the trailer and enjoy it while a solution was figured out ''. We took the trailer to a safe drop zone at XXXX XXXX XXXX of XXXX where it is currently stored due to the active safety issues. The dealer staff told us that the XXXX manager and XXXX managers were too busy and focused on meeting the end of the month sales quota and they wouldn't meet with us regarding the safety issue. The dealership staff also advised us to wait XXXX - 7 days for the loan to clear the bank and then the trailer could be traded in for a safe alternative. CURRENT STATUS & FINANCIAL REMEDY REQUIRED : Aqua Finance XXXX Underwriting Department was notified of this material lending fraud and safety crisis on Monday, XX/XX/XXXX. Senior underwriting personnel placed a strict administrative funding hold on this loan account on a recorded line, confirming no funds would be disbursed to XXXX XXXX until I received a call back notifying me of a resolution and the investigation findings. Because this transaction was induced via active financial concealment, document withholding, and gross physical endangerment ( the local service department went so far as to over-inflate my truck tires to XXXX XXXX to mask a severe weight crisis ), I demand a complete and total Contract Unwind from Aqua Finance and a signed Mutual Release Agreement dissolving all ties to this transaction.

Company response to consumer: Closed with explanation