CFPB Complaint

Hunter Warfield, Inc. – CFPB Complaint ID 2946658

Consumer Complaint Submission

Date Received: 2018-06-26T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have filed a complaint against XXXX XXXX XXXX that alleges the company, which operates as XXXX XXXX XXXX XXXX, charges improper and excessive termination fees for leases of point of sale ( POS ) equipment, such as payment terminals, card readers and mobile payment devices.
We mailed this company many times to explain that a collection is impossible and we explained the collector can not seek a reimbursement from XXXX XXXX stemming from the profits reaped by the company from subjecting merchants to complex agreements involving several parties just to lease a POS terminal which could simply be purchased for less than {$200.00}.

The only existing contract was signed with XXXX. This XXXX document is identified with a number. This document doesnt make any reference to XXXX XXXX.
XXXX XXXX present a new Document with a reference to XXXX XXXX. This document was completed after signature.
I claim that XXXX XXXX pushes merchants to lease payment equipment from XXXX XXXX upon entering into payment processing agreements with financial institutions, who serve as the companys agents in POS leasing transactions. XXXX XXXX allegedly tricks merchant customers into spending thousands of dollars leasing payment equipment that can be purchased outright for less than {$200.00}.
I this case XXXXXXXX XXXX allege a binding merchants to years-long agreements that do not allow for the cancellation of the lease of POS terminals.

I didnt signed any leasing agreements with XXXX XXXX.
The material ( XXXX XXXX XXXX XXXX ) was returned as soon as it was received.
The merchant service XXXX was informed more than a year ago that the contract was breached.
XXXX XXXX as well was informed a year ago.

XXXX XXXX includes a alleged a non-cancelable agreement clause within its form contract.
We never signed the contract neither any affiliates Program Guide.

See also  Navient Solutions - CFPB Complaint ID 3056867

We never signed an insurance for a non existant material.
We never signed for any delivery of material from XXXX XXXX or anyone else.

The collection company attempt to maximize profit for XXXX XXXX regardless of the circumstances and the documents provided.
In fact, there is a class action for the same reason against XXXX XXXX claiming that the contract can not be canceled without the customer paying all remaining sums due for the full term of the lease agreement, even if XXXX XXXX fails to perform its obligations under the contract.

Company: Hunter Warfield, Inc.

State/Zip: SC 294XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2946658

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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