Complaint Review: American Finco - Anita Sutton

I was sold a water purification system on 8/16/04. The system does not perform to our needs. The man who sold us the system was Chuck Anken. He was the salesman for creekside water consultants. This man wanted to do whatever it took to sell us this system.He produced a contract stating that I could stuff 500 envelopes a month instead of makinf the seventy dollar monthly payment, this was a signed contract. We started to have problems with the water system not long after it was installed. We kept trying to call our salesman Chuck but he did not return our call's. Then we got a bill from American Finco stating that we need to make our first monthly payment. Come to find out even though we had a signed contract, creekside would not honor it, they also had fired Chuck the salesman.I called the finance company and talked to Denise at collections They have two buildings , a cust. service and a collections. Denise said it was an unusual situation and she would talk to the higher ups and get back to me. At that point the contract was put under dispute. (so i thought!) Denise never got back to me. We kept getting phone call's letters, they even called my job. I ended up taking out a home equity loan and paid the system off. My wife called to find out how much the payoff was and we paid by check, the date was 4/22/05 check number 114for the amount of 3,590.00. We thought it was all taken care of until one month later another bill for 72.00 dollars. I called American Finco and talked to zack at extension 2123, he said if we paid 48.03 they would waive the rest of the late fee that they imposed during the investigation which should not of been charged to me in the first place.Once again we thought it was all over, another month goes by we get another bill with a finance charge tacked on!!!!!I called and talked to ShannonBaymanext2217, she said she would waive the late fee. Another month goes by another bill another late fee!!!!I call again and talk to EBD at ext 3197 they said sorry for the misunderstanding. Another bill I call again and talk to Denise at collections, I thought I would finally take care of this materr but she denied ever talking to and my wife about this matter. Then also Zack got fired, then we talked to Denises supervisor Mari. She would not even honor the waived fee. She would not even try to resolve the situation. I got a hold of her boss Anita Sutton, she refused to resolve the whole situation, I then told her that I refused to pay the fee since it was waived a half dozen times, then the phone calls started again. They called late at night, my job. I finally had enough and paid the 40.00 check number 147. Now after tryiong to pay off some credit cards and refinance I find out that American Finco put on my credit report that I went Bankrupt!!!! This is false and my credit has sufferd because of it. I'm still trying to get this removed from my credit reports. This has taken a toll on me and my family. I would like her braught up on charges she is not above the law, and she(Anita Sutton) should not have this kind of control over my credit. Thankyou Roland

Roland
esperance, New York
U.S.A.