Culligan Finance Complaint - Promotional Free Finance Fraud
LOXAHATCHEE, FLORIDA -- I purchased a home water system at the end of January, 2005 and chose their promotion to make monthly payments at no interest for a year. I called in December to inquire about what my payoff would be and when it was due in order to avoid the accrued finance charges. I was told I owed $1,247.00 and it was due on or before 2/01/07. I called again in January when I received my statement, because I was confused as the bill had two different due dates. I asked this other person again when would my final payment have to be received in order to avoid the finance charges. Again, I was told 2/01/07. I electronically set up the payment from my bank and it was received by Culligan Finance on 1/31/07. My next statement showed that I owed $256.43 in interest. I called them and spoke with a supervisor and then spoke with a Vice President. They both insisted that I was told to pay by 1/24/07. Why would I call twice and then send in the full payment a few days late? If I was told to have the payment in 1/24/07, I would have done so. I have excellent credit (FICO just over 800) and the snide VP said after a long discussion that we could split the charges. This is absurd. I will file a complaint with my State Attorney General and with the Better Business Bureau. Also, the Culligan water system doesn't do such a great job, so either way AVOID this company and their finance scams!