Complaints

• Initial Complaint

  20/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Transaction date February 26,2021 Amount paid to date $1400.00 They commit to provide me with a mattress The dispute nature is that I did not agree to a credit building loan I agreed to a mattress financing acct but I was blindsided from the beginning and when I asked for the payments to do I was rudely told that the only thing I can do is pay the loan because I already got it, but a mattress doesn’t cost almost $4000. They never tried to resolve it only tried to constantly collect funds from my account resulting in my acct being overdrawn with NSF fees. *** **** ******* ** *******

  

  Business response

  16/05/2023

  The Customer signed up for SkyCap Financials’ (SkyCap) financing of their 3rd party products and servicing since February 2021.  We as the finance company have done everything we are to do according to the terms and conditions of the Customer’s finance contract.  Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customer’s credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement. 
  
  Further, we have contacted the Customer’s service providers on their behalf.  We are advised that the service provider confirmed that the Customer was fully and completely informed of the program, and the membership loan (financing) provided by SkyCap, before they signed the agreements and entered the program and the loan. Further, we confirm the Pdfs of the finance agreement was immediately forwarded to the Customer after its execution.
  
  The Customer is free to contact us at anytime to discuss the payment options available.

  Customer response

  17/05/2023

  
  Complaint: 19959339
  
  I am rejecting this response because: apart from the contract that I signed, which I take full responsibility for seeing that I did not read that the contract I only signed it, I in No way agreed on the call with Omni Mattress that I willing agreed to pay over $4000 for mattress. I would like to Omni mattress to provide the recorded call if they have it to prove what they are claiming. I never called for or agreed to any credit building account therefore I do not feel that is is fair or that it should even be legal for me to be locked into something I did not intentionally commit to. 
  
  Sincerely,
  
  ******** ********

  

  Business response

  17/05/2023

  To reiterate, SkyCap has always been truthful in explaining our part of the program the Customer signed up for; namely after approval of a Customer submitted application, we prepay the membership fees, take the payments on the Customer requested schedule and report all payments to the Customer’s credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  
  
  The Customer is free to contact us at anytime to discuss the payment options available.

  Customer response

  18/05/2023

  
  Complaint: 19959339
  
  I am rejecting this response because:this is not what I agreed to on the initial call when I requested the mattress and when I first asked about it the agent was really rude and didn’t give me any options other than I have to pay for something didn’t agree to. The sales agents at Omni only want to or are pressured to hit target sales so everything is promised and alot is left out in their efforts. I will gladly pay for the mattress that agreed to pay for BUT I did not call for a credit building loan therefore I should not have to pay for something I never asked for. Also the amount of money that I have already paid is still a lot for only a mattress, no head board or frame just a mattress! 
  
  Sincerely,
  
  ******** ********

• Initial Complaint

  15/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I took a loan for 1500, the purchase was an "o" mattress and was supposed to get an app and an a legal team set up to help me with my debt. come time, they followed through with the mattress and that was it, started taking double payments from my account so i asked them why i was not getting any debt help, all they helped me with was damaging my debt with nsfs. I tried to cancel they wouldn't let me cancel it due to not following their part of the agreement. now somehow they are after me for $15, 000. how does that fair out for me as a customer working to fix my credit. fraudulent company.

  

  Business response

  25/01/2023

  The Customer signed up for SkyCap Financials’ (SkyCap) financing of their 3rd party products and servicing since September 2018.  We as the finance company have done everything we are to do according to the terms and conditions of the Customer’s finance contract. Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customer’s credit report.  
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement.
  
  Further, we have contacted the Customer’s service providers on their behalf.  We are advised that the service provider confirmed that the Customer was fully and completely informed of the program, and the membership loan (financing) provided by SkyCap, before they signed the agreements and entered the program and the loan. Further, we confirm the Pdfs of the finance agreement was immediately forwarded to the Customer after its execution.
  
  The Customer is free to contact us at anytime to discuss the payment options available.

  Customer response

  27/01/2023

   
  Complaint: 18596624
  
  I am rejecting this response because:

  because I never received any money from them nor did their 3rd party follow through with any of the services provided and is asking for quadruple what the amount was stated, I was told to pay x amount for 3 years with the promise of legal counsel an app that tracks my credit score and helps with budgeting, they did not adhere to the contract and before 30 days was into I called the third party (which no I was not informed I could not cancel, but they violated the contract first) 1200 does not equal 16,000 in debt. 
  
  Sincerely,
  ****** ********
  

  

  Business response

  02/02/2023

  SkyCap’s contract solely governed the purchase financing of the loan, of which the Customer had the option to pay out the balance at anytime without penalty if they choose to not stay for the full term.  At this point, the contract cannot be cancelled; the only way to close the account is to pay the balance of that finance agreement. 
  
  We urged the Customer to contact our offices and make payment arrangements on their account.  Tell us why here...

  Customer response

  03/02/2023

   
  Complaint: 18596624
  
  I am rejecting this response because: the answer does not rectify nor acknowledge the actual question. 
  
  Sincerely,
  ****** ********
  

• Initial Complaint

  10/07/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Skycap financial never gave me any money .. i did not recieve any services from them .. i called multiple times .. no one to help .. and yet i have a 8000$ bill … this if fraud

  

  Business response

  09/08/2022

  The Customer signed up for SkyCap Financials’ (SkyCap) financing of their 3rd party products and servicing since July 2018.  We as the finance company have done everything we are to do according to the terms and conditions of the Customer’s finance contract.  Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customer’s credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement. 
  
  In addition, we have contacted the Customer’s service providers on their behalf.  We are advised that the service provider confirmed that the Customer was fully and completely informed of the program, and the membership loan (financing) provided by SkyCap, before they signed the agreements and entered the program and the loan. Further, we confirm the Pdfs of the finance agreement was immediately forwarded to the Customer after its execution.
  
  To aid the Customer, we are willing to assist them with their payments and are able to waive some of the NSF fees received on their account with us.  The Customer is free to call our office and discuss how we can assist.

• Initial Complaint

  12/05/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  They say I owe over 11000 now I stopped payments when they said 80 ever 2 weeks which was 80 a month originally they are ******* ** my credit! Iam a single mom and I own everything I have truck and house but iam wondering why I owe when nothing they said was true!! Paying 80 was ideal to fix it for a year and a half but paying 80 every 2 weeks they can get bent! As I didn't agree to that...

  

  Business response

  13/05/2022

  The Customer signed up for SkyCap Financials’ (SkyCap) financing of their 3rd party products and servicing since October 2017.  We as the finance company have done everything we are to do according to the terms and conditions of the Customer’s finance contract.  Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customer’s credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement. 
  
  The Customer is free to call our office and discuss how we can assist.

  Customer response

  13/05/2022

   
  ********** ********
  
  I am rejecting this response because:
  
  Sincerely,
  ******* *****
  

• Initial Complaint

  25/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In 2016 I attempted to get a car loan and while on the call I was transferred to someone who would apparently help me with my credit meaning they would advise me on how to deal with my creditors such as calling them up and offering up a lower amount to be paid to them etc , 4 yr old bill offer half or a certain percentage I was sent a broken tablet and they never helped me speak to my creditors nor did they give me any services to merit any amount of money they are claiming that I owe them they have been charging me 149 dollars a month in payments for services I never received , when I tried to cancel with them as they never did anything for me in respect to my credit except make it worse they threatened to have my wages garnished! The bill is shown as an open account in my credit report in the amount of $2345.00. I never once signed anything at all stating that I would owe them 149 dollars a month ,this was done on the phone and i was transferred to 3 different people during the first phone call with them and ended up speaking with skycap financial who never loaned me a single penny nor offered me any services at all. Today i received a call from my employer that they contacted them and they were told to garnish wages from my pay cheques until the so called false debt was honored. I have never received any court documents stating that my wages would be garnished . They told my employer they would send a letter outlining the details of this situation. If I have never to this day signed anything from them nor have I ever borrowed a dime from them then how can it be that they request my employer to garnish my wages? I explained to them that I wasn't interested in using their services back in 2016 and they have been harassing me ever since,, now they have illegally contacted my employer without just cause and are now making life hell in the process! I never used them for anything at all and cancelled their service and they told me they would take me to collections.

  

  Business response

  11/05/2022

  The Customer signed up for SkyCap Financials’ (SkyCap) financing of their 3rd party products and servicing since April 2016.  We as the finance company have done everything we are to do according to the terms and conditions of the Customer’s finance contract.  Namely, we have prepaid the fees, taken the contract payments and report those payments to the Customer’s credit report. 
  
  As with most financing agreements, the contract cannot be cancelled.  The Customer was well advised of this prior to signing.  As such, the only way to close the account is to pay the balance of the finance agreement. 
  
  The Customer is free to call our office and discuss how we can assist.

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