Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:06/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased insulation through an insulation company using FTL finance. Ive made payments. I sent a check on May 19th 2025 that was dated May 18th. Well I call on June 5th wondering why it hasn't been posted. I asked them are they gonna back date because I was told by an associate that the account accurs interest everyday. Well I got no straight answer so im assuming no. They told me it takes them 2 to 3 weeks to process the payments. Its not my fault they take so long to process a payment and I shouldn't have to pay the interest for the days the check has been sitting there. I sent other checks the same day that are in the same city and those companies processed them last week. This is totally ridiculous. We are at 2 and half weeks.

  

  Business Response

  Date: 06/06/2025

  ******* *****
  ************************
  Buckeye, AZ. 85326
  
  RE: BBB Complaint ID: ******** / ********************** Account *******
  
  Dear ******* *****,
  
  We received your complaint regarding your FTL Finance Account Payoff Check in the mail. Our primary goal is to deliver straightforward financing solutions and exceptional customer service, ensuring transparency and clarity throughout every transaction.
  
  According to our records, as of today, June 6, 2025, we have not yet received your check dated May 18 and mailed on May 19. Please note that we have no control over delays that may occur with the postal service. While other checks may have arrived sooner at different destinations, delivery timelines can vary based on postal routing and handling.
  
  To help avoid these kinds of situations, we do offer other payment options at no additional charge, including payments over the phone using a debit card, credit card, or checking account. These options typically post to your account within 24 to 48 business hours.
  
  Our payment address is a secure lockbox facility, and payments are processed as soon as they are received. No checks are held or delayed once they arrive. If the funds have not been withdrawn from your bank account, this is a strong indication that we have not received the check.
  
  You are correct that interest accrues daily on your account, which is a standard practice across most financing agreements. To help with this, when customers indicate theyre sending a final check, we provide a 10-day payoff window that takes expected mail time and processing into account. The payoff we provided on our customer portal is good until 06/06/2025.
  
  If you're concerned the check may be lost or delayed further, we recommend contacting your bank to place a stop payment on it. Once thats done, wed be happy to assist you in making your payment another way thats quicker and more secure. As a courtesy, we will honor your payoff balance good through 06/06/2025. Please call our office to make this final payment over the phone. Again, there is no extra charge.
  
  We truly value your business and want to make this right. Please feel free to contact our customer service team if you require any further clarification or assistance at ************. We are dedicated to addressing any concerns you may have.
  
  Best Regards,
  FTL Finance
  ***************************
  ******************************

• Initial Complaint

  Date:05/19/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased an AC unit 8-1-23 for $8500 using FTL finance to pay for it. I was lead ti believe it was a simple interest purchase not a lease that charges other fees. I am a disabled senior on a fixed income who is trying to pay it off now. After paying $4000 into the acct I was told $8300 is the payoff? I trusted what I was told and never even signed their contract! Its a system generated signature. I need help negotiating a better payoff, it hasnt even been 2 yrs and they want to charge $4000 in interest, this is abusing disabled seniors with usury charges. Please help by having them charge a rational interest so I can have a reasonable payoff. Thanks and God Bless!

  

  Business Response

  Date: 05/20/2025

  ****** *********
  ******************
  **************** 78255
  
  RE: BBB Complaint ID: ******** / ********************** Account *******
  
  Dear ****** *********,
  
  We received your complaint regarding your FTL Finance Account Payoff Balance. Our primary goal is to deliver straightforward financing solutions and exceptional customer service, ensuring transparency and clarity throughout every transaction.
  
  An application for financing was received on July 31, 2023, for the installation of a 2.5-ton 15.2 SEER2 (Gas - Horizontal) High Efficiency W/ 2 Stage ECM Furnace for $8,500.00. Financing was provided through FTL Finance, and the loan agreement was executed on August 2, 2023. Based on your credit profile, you did not qualify for standard financing terms and were instead approved through an alternative financing program that included a higher interest rate. As part of that approval, you selected a 120-month term with an interest rate of *****%. The agreement was electronically signed, which is fully valid under federal and state e-signature laws.
  
  Regarding the type of financing, this information is clearly outlined in your contract. As stated on the first page, your agreement is a Direct Finance Lease. The total amount of repayment, including Finance charges, is disclosed on the Truth in Lending page of your contract. This type of financing follows a fixed amortization schedule established at the start of the loan, and it is interest front-loaded, meaning a larger portion of interest is paid during the early months of the term.
  
  This financing does not involve any usury charges. The interest rate is within legal lending limits and was fully disclosed and agreed upon by the customer at the time of contract execution. No future or additional interest is being charged beyond the original agreement.
  
  We understand and empathize with your financial situation as a disabled senior on a fixed income. While we cannot alter the agreed-upon financing terms retroactively, we are more than willing to assist her in contacting FTL Finance to discuss any available hardship or early payoff options that may help reduce the financial burden.
  
  Should you require any further clarification or assistance, please do not hesitate to reach out to us at ************. We are dedicated to addressing any concerns you may have.
  
  Best Regards,
  FTL Finance
  ***************************
  ******************************

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a *** loan in January 2021, to pay for a new home HVAC system. After 4 years of perfect monthly payments, I then paid off the remaining balance in early 2025. As I stated, during the 4 years I had this loan, I had a perfect payment history, which was reflected in my Transunion and ******* credit reports. I noticed that after paying off the loan in full, it was still showing outstanding on my ******* report as they had not updated reporting to ******* since October 2024. So I filed a minor dispute just to update the account to "paid and closed". When the dispute was completed, it came back saying I was 30 days late THREE times! ***** in 2023, and once in May 2024. This caused my Equifax FICO 8 score to drop 50 points. I was NEVER late, not once. And this was reflected in the perfect payment history I had up to this point.I'm not sure what is going on here. I filed another dispute with ******* regarding these 30-day lates. I also wanted to come here to express my frustration that this situation arose through no fault of my own. I want FTL Finance to restore my perfect payment history (which was correct)!!

  

  Business Response

  Date: 04/04/2025

  April 4, 2025 

  RE: BBB Complaint ID: ******** 
  
  
  Dear **** and ***** ******,
  
  
  Thank you for bringing your concerns to our attention through the BBB complaint. We sincerely apologize for any inconvenience the reporting issue has caused you, and we appreciate the opportunity to address the situation.
  
  
  After thoroughly reviewing your account, we can confirm that your loan was paid in full as of February 11, 2025, and that status has been updated on your credit report. We understand how important accurate credit reporting is, and we regret any confusion caused by discrepancies with the credit bureaus.
  
  
  Regarding the reported late payments, we strive to maintain accurate and truthful reporting to the credit bureaus. Our records show that your account was reported as being more than 30 days past due on the following occasions:
  
  
  9/22/2023 - Payment made on 10/23/2023
  10/22/2023 - Payment made on 11/23/2023
  4/22/2024 - Payment made on 5/23/2024
  
  
  For reference, your payment history indicates that payments were consistently made on time up until those instances.
  
  
   Additionally, payments made within 29 days of the due datesuch as those made on 2/22/2022, 3/22/2022, and otherswere not reported as late, consistent with our policy for payments made within 30 days of the due date. (Payment History Attached) 
  
  
  We understand how frustrating this situation has been, and we are genuinely sorry for any impact this may have had on your credit score. Please feel free to reach out directly if you need any further assistance or clarification.
  
  
  Thank you for your understanding.
  
  
  Best regards,
  FTL Finance
  ****************************
  ******************************

  Customer Answer

  Date: 04/04/2025

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:08/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I financed an A/C unit from FTL in June of this year (2024) and began making payments. I've made double payments thus far ($600) and my balance has only come down $187. So it seems like they are not applying my extra payments to the principal. That's wrong and illegal. And if this does not get resolved, my attorney will get involved.

  

  Business Response

  Date: 08/14/2024

  RE: BBB Complaint ID: ******** / ********************** Account *******
  
  *********************************,
  
  We are in receipt of your complaint regarding your account balance and the extra payments you have made towards your loan. Our primary goal is to deliver straightforward financing solutions and exceptional customer service, ensuring transparency and clarity throughout every transaction.
  
  As outlined in your contract, your loan is a Direct Finance Lease. This type of loan generates interest according to the original amortization schedule established when the loan was created. The interest is calculated based on the term, interest rate,amount financed, and monthly payment amount specified in the contract. Each month, the system is designed to accrue a predetermined amount of interest,which is not adjusted by overpayments made during the loans term. This type of loan is also interest front-loaded, meaning that most of the interest charges are applied earlier in the loan term.
  
  To minimize the total interest paid, the most effective approach is to pay off the loan in full as soon as possible or make additional payments to shorten the loan period as the account will continue to accrue interest per day. To provide clarity, I have attached a detailed payment history, a copy of your contract with FTL Finance, and your loan amortization schedule.
  
  Should you require any further clarification or assistance, please do not hesitate to reach out to us at ************. We are dedicated to addressing any concerns you may have and ensuring your experience with FTL Finance remains positive.
  
  Best Regards,
  
  FTL Finance
  ***************************
  *****************************

• Initial Complaint

  Date:07/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FTL finance has reported to the credit bureau that I was more than 30 days late making a payment. This is completely wrong. I have never missed a payment and all of them have been payed on time. This is a very serious hit to my credit score and could keep me from obtaining things I need my credit to qualify for.

  

  Business Response

  Date: 07/09/2024

  Dear *****************************,

  
  FTL Finance has received your BBB complaint. We apologize for the inconvenience this error has caused you and thank you for bringing this matter to our attention.

  Upon investigating your account, we confirmed an error in reporting the payment status for your April 1st, 2024, bill. This has been promptly corrected and updated to accurately reflect your timely payment for that bill.

  We are committed to accurate reporting to our credit agencies and are actively working with TransUnion to address any issues that *** result in erroneous reports. We understand the importance of precise credit reporting and sincerely apologize for any confusion or inconvenience caused.

  
  Best Regards,
  FTL Finance
  ***************************************************************************************************************

• Initial Complaint

  Date:05/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They authorized a finance agreement between myself and a plumbing company for $15k without a signature from me or even talking to me. Through emails they acknowledged they messed up but wont void the agreement because they paid the money out already. They also shared all my private information with they believe to be my wife, and even admitted to that. All Im looking for is this to be removed from my credit. I know I cant take this to court and win in a second. They are crooks.. Im currently disputing this with the credit agency and we will see how this goes.

  

  Business Response

  Date: 05/07/2024

  *****************************
  *************
  ************, IN.46234
  
  RE: BBB Complaint / FTL Finance Account *******
  
  *****************************,
  
  FTL Finance is in receipt of a BBB complaint regarding account #*******.  
  
  Our records show that on December 18th, 2023, we received a financing application initiated by your Contractor, FALL CREEK PLUMBING, and sent directly to *******************************,which you have identified as your wife, at her request. The application,totaling $15,000.00, was submitted for the replacement of a collapsed sewer line. Confirmation from your contractor verifies that the work was successfully completed at ******************************************************************
  
  Before approving the loan, we conducted identity verification through Trustev,employing credit-based security questions alongside personal information such as address, phone number, and email. Upon successful completion, we send notification of loan approval to the email address and the phone number used during the application process.  Funds were disbursed to your contractor on 12/29/2023, following confirmation of work completion via the completion certificate.
  
  Your email dated January 30th, 2024, requesting account closure outlined the responsibility of your utility company for the sewer line issue and their commitment to cover the related costs. In response, we contacted your contractor FALL CREEK PLUMBING, who recommended for us to advise you on pursuing resolution through your utility and insurance providers. This course of action would facilitate reimbursement, allowing repayment to FTL Finance.Given the urgency of the situation and the necessity of the work at your home,financing through FTL Finance was provided by your contractor as an expedient option.
  
  Initial payment of $2,500.00, received on 02/09/2024 (check #****), was acknowledged upon your inquiry via email on 2/12/2024. Until then, there had been no indication of loan inaccuracy.
  
  Regarding the loan signature issue, our records indicate successful and accurate completion of loan documents, notwithstanding an edit made to the Borrowers name field,where your wifes name, *******************************, was entered. Legal counsel is reviewing this matter, and we will update you accordingly.
  
  We appreciate your patience and understanding in this matter.

  Best Regards,
  

  
  FTL Finance
  **************************************************
  *****************************

  Customer Answer

  Date: 05/08/2024

  Complaint: 21650519
  
  I am rejecting this response because:

  They cant produce paperwork stating that I signed for funding. If they can attach legal documentation with my signature on it, then I will be satisfied with their response. They cant and will not because it doesnt exist. 
  
  
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 05/13/2024

  
  *****************************
  *************
  ************,**. 46234
  
  RE: BBB Complaint / FTL Finance Account ******* Complaint #********
  
  
  *****************************,
  
  FTL Finance is in receipt of a BBB complaint response rejection regarding account #*******.
  
  Enclosed is a copy of the contract signed and dated December 29, 2023, which was facilitated through DocuSign to the email address provided at the time of application by your wife.
  
  Our records confirm that the loan was initiated using your information by your wife, and both documentation and recorded calls demonstrate your approval of this transaction. As per your Contractor, FALL CREEK PLUMBING, and the documentation they provided, the work carried out, at your home address: *************************************, was requested jointly by you and your wife, and completed to your mutual benefit. These services were financed through the loan funds provided by FTL Finance.
  
  
  Best Regards,
  
  FTL Finance
  ***************************
  *****************************
  

  Customer Answer

  Date: 05/14/2024

  Complaint: 21650519
  
  I am rejecting this response because:
  
  That isnt my signature. That page clearly say *******************************, so ******************************* signed. So if the contract says ******************************* on it, and has ******************************* signature on it, why do you think this is permissible in court? You obtained my social security number online, you ran the application with my social but ******************************* information on it. You all dont know when to stop do you? Instead of fighting with fall creek to get the money back from them, you proceed to provide more fuel for a court case. This is clearly fraud on FTL end. A police report is being filed next. You clearly want me to have a big payday, so who am I to keep refusing. I wont be responding anymore. Unless you provide valid papers, Im going to keep rejecting your response. See yall in court!
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:02/07/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FTL finance makes it impossibly hard to find out how much you owe, they do this so they can start ramping up those interest fees.i have 4 months remaining to pay my loan off interest free, i have paid 10 dollars over the amount borrowed, but i can not tell how much the remaining balance is due to whatever cooked up fees theyve tossed on there. and theyre banking on me never knowing, or over paying to avoid interest fees.

  

  Business Response

  Date: 02/16/2024

  We appreciate you bringing your concerns to our attention via the Better Business Bureau. We strive to provide transparent and efficient service to all our customers, and we regret to hear about the challenges you've encountered in determining your remaining balance with FTL Finance.

  Regarding your concern about the difficulty in determining your remaining balance, we understand the frustration this may cause. By law, we are required to show any possible interest accrual on your loan balance, but your account had an active 12 months same as cash. We apologize for any inconvenience you have experienced. Rest assured, we are committed to resolving this matter promptly and ensuring that you have access to accurate information regarding your loan.

  Upon reviewing your account, we found that you had reached out to our customer service team on 02/08/2024. Our records indicate that you have paid your account in full and that a $10.00 refund will be issued to you within 30 days. 

  
  If you have any other questions or concerns, please do not hesitate to contact our office directly at ************.

• Initial Complaint

  Date:12/02/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 11/17/22 I signed contract (number *******) to purchase a furnace from FTL for one of my rental properties in VA for 5,625.00 with no interest if paid off within 12 months. Please note that on the contract it has "12 MONTHS SAME AS CASH. MUST SELECT 60 MONTH TERM OR GREATER," I called them before I signed and was told to check the box "REGULAR FINANCING." I was also told by A-1 American Service in Virginia who referred me to FTL and who installed the furnace, that there's no interest if paid off in 12 months. I paid off the agreed price of 5,635.00 within 12 months and now they FTL charged me interest of 966.10 which I paid today ( l didn't want them to mess up my credit). FTL should refund me 966.10

  

  Business Response

  Date: 12/15/2023

  RE: BBB Complaint ******** / FTL Finance Account *******
  
  ****** **********,
  
  We sincerely acknowledge the BBB complaint you filed with FTL Finance regarding interest charges, and we extend our heartfelt apologies for any confusion that may have transpired concerning your FTL Finance account.
  
  Our paramount objective is to provide transparent financing solutions coupled with unparalleled customer service. We recognize the importance of clarity in all our transactions and strive to uphold the highest standards.
  
  When contractors enroll to offer financing through FTL Finance, they have the flexibility to choose from a variety of financing programs, some of which are offered free of charge to the contractor, while others incur a fee.
  
  Our records indicate that your loan, with regular financing terms, was duly booked on 11/23/2022, as per the loan documents you signed. It is noteworthy that A-1 American Services, Inc, the contractor you engaged for the installation, does not offer a same-as-cash program through FTL Finance.
  
  We recommend reaching out to A-1 American Services, Inc for any differing information they may have provided.
  
  Should you require further clarification or assistance, please feel free to contact us at ************. We are committed to addressing any concerns you may have and ensuring that your experience with FTL Finance re****s positive.
  
  Best Regards,
  
  FTL Finance
  *** ** **** ****** ***. ***
  ***** *******, ** *****

• Initial Complaint

  Date:11/30/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an HVAC/Furnace replaced on 3/4/23. I applied for a loan of $5700.00 and was accepted by FTL Finance. I asked my contractor, who installed the units, to check with the finance company for any fees if I paid off the loan early. They said no. I called FTL today 6/22/21 to pay off my loan. The customer service person was pleasant and asked me for my account info. He said the balance owed was $1,260.83. I asked why the charge of $99? He explained that there was a processing fee of $99. BEWARE OF THE HIDDEN PROCESSING FEE OF $99. The contractor was made aware of this and may look elsewhere for a new finance company to use for their customers. I see the reflected payoff balance but I was never told of any administrative fees from my contractor. It is not listed in my contract anywhere as well. What is the process to get this removed? No where in the contract does this state anything about a $99 fee specifically.

  

  Business Response

  Date: 12/15/2023

  ******* *********,
  
  I hope this message finds you well. We at FTL Finance have received your BBB complaint regarding fees, and we sincerely apologize for any confusion that may have arisen regarding your FTL Finance account.
  
  Our primary goal is to offer straightforward financing solutions and unparalleled customer service. We understand the importance of transparency, and we strive to provide clarity in all aspects of our transaction**
  
  In reference to the fee in question, we would like to direct your attention to the second page of your contract, specifically in the comprehensive Terms and Conditions under the Taxes and Fees section. It is our commitment to ensure that all relevant information is readily available to our valued customer**
  
  Our records indicate that this information was communicated to you, and we are pleased to note that a resolution was successfully reached during your correspondence with our customer service team on 12/1/2023.
  
  Should you require any further clarification or assistance, please do not hesitate to reach out to us at ************. We are dedicated to addressing any concerns you may have and ensuring your experience with FTL Finance re****s positive.
  
  Best Regards,
  
  FTL Finance
  *** ** **** ****** ***. ***
  ***** *******, ** *****

• Initial Complaint

  Date:11/22/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In April of 2020 I took a loan with ftl. I was in the process of getting a ***** loan because i knew my unit was old. It died before my ***** paper work was finished.. I asked the tech and ftl can I pay it off in full as soon as I get the home loan. Both said yes. I get the financing through ftl and a week later my ***** is done. I have the bank ORNL write the check directly to ftl for the full amount. I mailed full amount with their bill and I never got another piece of mail, call, email from them. Never thought about it again. Almost three years later I get a bill that I owe them over $300. Then I get an email. I explained to ***** that I paid my full account balance years ago and I have never received another bill. She said it's Interest . I told her I paid it in full and there was a mistake. And if that I there was any remaining balance why wasn't I notified. Why would they not send me even one bill in almost 3 years??? Since it has been nothing but calls to me. To my family, threatening to reposses my equipment that I paid in full for. It has been unreal.

  

  Business Response

  Date: 12/05/2023

  12/5/2023
  
  
  RE: BBB Complaint ******** / FTL Finance Account *******
  
  
  ****** *****,
  
  We acknowledge the recent BBB complaint received concerning your FTL Finance account, and we sincerely apologize for any confusion it may have caused. At FTL Finance, our commitment is to deliver seamless financing solutions along with exceptional customer service, and we value your satisfaction.
  
  Allow us to provide you with a comprehensive overview of your account status for clarity.
  
  According to our records, we initiated your $5,300.00 loan on 4/6/2020, with standard financing terms. Interest commenced on the same date. While a payment of $5,300.00 was received on 5/3/2020, it unfortunately did not settle the account entirely, leaving a remaining balance of $78.18 (excluding any applicable fees). As the account was not fully paid, interest continued to accrue as per the predetermined amortization schedule.
  
  We genuinely desire to address this situation amicably and are prepared to discuss a potential settlement agreement. For further assistance or to explore resolution options, please reach out to us at your earliest convenience by calling ************.
  
  Thank you for your understanding, and we look forward to the opportunity to resolve this matter together.
  
  Best Regards,
  
  FTL Finance
  *** *. **** ****** **** ***
  Saint Charles, MO 63301