Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
FORMAL NOTICE OF DISPUTE This letter constitutes a formal dispute of the above-referenced account and a rebuttal of XXXX XXXX  determination that the transaction is valid and completed. XXXX XXXX response relies primarily on a XXXX of XXXX and seller-supplied documentation that are materially false, misleading, and contradicted by independent inspection reports and XXXX admissions. Funding was obtained based on false representations regarding mold remediation, clearance, licensing, scope of work, and project completion. As a result, the contract is voidable and unenforceable. XXXX XXXX, as holder, is subject to all claims and defenses under the FTC Holder Rule and under Aquas own Assignment & Warranties. I dispute liability and balance in full. I. NO LEGALLY VALID MOLD CLEARANCE EXISTS The GreenWorks inspection dated XX/XX/year> expressly states : This is not a certificate, assurance, warranty or guarantee of future conditions or performance. XXXX further states that only limited areas were inspected and that the entire home was not evaluated. No document provided by XXXX or the seller is titled or structured as a Certificate of Mold Damage Remediation, nor does any document contain signatures from both a licensed mold assessor and a licensed mold remediator as required by Texas law. An inspection report or air sample is not a clearance certificate. Presenting such documents as proof of remediation or clearance is false. XXXX. CONTRACTOR ADMITS XXXX PERFORMED REMEDIATION XXXX XXXX stated in writing : The remediation is done by XXXX you can send them the contract. This contradicts XXXX claim that XXXX. performed remediation and confirms that : XXXX. did not perform remediation XXXX represented itself as the remediator No license, permit, or clearance certificate from XXXX has ever been produced If remediation occurred without proper licensing and clearance, the work is unlawful and can not support financing. XXXX. SELLER-CONTROLLED LOAN DOCUMENT MANIPULATION XXXX messages show : They spoke to the bank. Because we had the change order they need to include the paint job in the loan docs. They will send you updated docs to resign. These statements prove seller/contractor personnel coordinated with the lender to regenerate loan documents and insert scope items after earlier versions were signed. This defeats any claim that a stable, finalized contract was formed through informed mutual assent. IV. FALSE CLAIM THAT NO DOWNPAYMENT OR OUT-OF-POCKET PAYMENTS EXIST Contractor statements : You already paid XXXX. They got the payment. These admissions directly contradict Aquas claim that no downpayment or consumer payments were made and demonstrate inaccurate loan amount disclosures. V. CERTIFICATE OF COMPLETION WAS PROCURED UNDER FALSE PREMISES At the time any completion document was signed : Mold clearance did not exist Scope items were still missing from loan documents Change orders were still being generated Seller completion paperwork shows completion around XX/XX/year> with signatures in XXXX A completion certificate signed under false representations is void and unenforceable. VI. XXXX DID NOT POSSESS REQUIRED DOCUMENTATION AT FUNDING XXXX sent emails requesting documentation from me that XXXX now claims it already possessed. This contradiction demonstrates XXXX did not have remediation, clearance, or lawful completion documentation at funding and later attempted to retroactively justify the transaction. XXXX. MISCHARACTERIZATION OF XX/XX/XXXX DOCUMENT XXXX claims a XX/XX/XXXX contract was cancelled by me. In reality, this was an incomplete Aqua-generated draft missing required information. I did not cancel a finalized agreement. XXXX reused the same application number and energy program, further showing this was XXXX continuous unstable transaction. XXXX. SELLER WARRANTY BREACHES ( FROM AQUAS OWN ASSIGNMENT ) Aquas Assignment requires seller warranties including : Services complied with law Seller had required licenses and permits No misrepresentation or fraud Complete and accurate documentation Those warranties are demonstrably false. This triggers seller indemnification obligations and XXXX duty to pursue seller remedies rather than enforce against the consumer. XXXX. HOLDER RULE LIABILITY The contract states : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER. XXXX XXXX therefore stands in the shoes of R.E.L./NRG and bears responsibility for their misconduct. DEMAND I hereby demand : Primary Remedy : Full rescission of the contract Account balance reduced to {$0.00} Refund of all payments made Alternative Remedy : Immediate chargeback to seller Account balance reduced to {$0.00} Refund of all payments made Additionally : Cease collection activity Do not furnish or report negative credit information Provide written confirmation of resolution If unresolved, I will continue pursuing remedies through the CFPB, Texas XXXX, Texas XXXX XXXX, FTC, and legal counsel.

Company response to consumer: Closed with monetary relief