ComplaintsforG & G Barn Rental

• Initial Complaint

  08/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  During the month of January 2021, I purchased a shed at *** *** ******** ******** and the account belonged to G & G Barn Rental in Kentucky in the amount of $4,092.48 for 36 months as stated on page 1 of the 4 page contract. The shed was delivered to my home during the month of June 2021. After the net cost reductions the NET RTO was lowered to $2,274.57. In total, I paid this company $4,109.23 (transactions attached) within one year of the 36 month contract. I’ve been getting harassed through text messages by G & G Barn Rental saying they will repo the shed. According to my records, the shed is paid off in total. G & G Barn Rental told me I owe them an additional $1400-$1500 in which I don’t owe.

  Business response

  08/19/2022

  Attached is a copy of the account information.

  *Per the rental purchase agreement, customer owes 36 payments of $113.68.  As can be seen from the payment history report and contract information sheet, customer has made 15.20 payments, so there are 20.80 payments remaining.

  *If customer chooses to pay the account out by the remaining 20.80 payments the amount would be $2,364.61 or if customer chooses to exercise the early purchase option the balance is $1,418.77 through 9/14/2022 as can be seen from the contract information sheet.

  *Cost reduction amount of $2,229.80 is taken off the initial cost of the building to determine monthly payment amount as can been seen from the customer receipt page the customer provided.  This amount is treated separately from the monthly payments.  The customer will pay $4,092.48 + $2,229.80 = $6,322.28 total, excluding any other charges assessed such as return check fees or late fees, unless customer chooses the early purchase option.

  *G&G texted customer about process of repo TWICE.  On 7/14/2022 when customer had mailed a check to cover a prior NSF ACH transaction.  Our policy states we do not accept checks to cover prior returned checks.  Also, we texted on 8/9/2022 responding to customer's text wanting to schedule a payment arrangement for Tuesday 8/16/2022.  To explain the process again, G&G said the account would go to repo on Monday 8/15/2022, when the August (second) payment comes due, and our system will make you pay both payments to get the repo canceled.

  *We mailed a final notice letter on 8/9/2022 because customer was behind on their July payment and August payment was due in a few days.  Customer received our notice then paid both July and August payments electronically to satisfy the balance due.

  *Customer account is now in current standing and not due again until September 15, 2022.

   

  Customer response

  08/22/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Where does it show the original amount owed for the shed is $6,322.28? 

  
  

  After the initial down payment of $2,343.48, only $2,274.57 was left owed on the balance. 

  
  Regards,
  
  ***** *****

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩