UOwn Leasing
reviews and complaints

I filed bankruptcy back in February and included UOWN into it, and they kept taking money out of my account. Everytime I try to contact through email they never respond. Here it's 4 months after and still waiting to here back from them. They told me once I had a case number they would refund me my money from day bankruptcy started and now I gave it to them they won't respond back to me.

I was shopping on line and they popped up when I was buying a item. They made it appear one way. So I went with them. Thinking that I could handle the payment. But when all was said and done it was a every two weeks payment instead of the once a month. So now I checked my account and every month they have taken double out of my account. Because I pay them every time it's due and they just take a payment. Taking advantage of people who don't understand the internet that well. So I am paying double for something and who knows if I can do this on time because I only get paid 2 times a month they are not good to do business with.

I went online to order some tires decided same day that I did not want them. Called back IMMEDIATELY after told rep to cancel the order was informed order was canceled. Next 2-3 *** are at my door. Called management was told I would be charged $100 to send tires back. Informed management not to charge my card they did it any way. And they keep doing it. Was told that there is a recording of me NOT canceling the order asked to hear thar request was denied. *** DID NOT DO HER JOB ! THIS COMPANY HAS PUT ME IN A BIND! I CANCELLED WITHIN THE 2 HOUR WINDOW ! NEXT I AM MAKING A COMPLAINT ON *** LOCAL NEWS CHANNEL!

From day 1 they've been Horrible...you set up direct payments each week to be automatically taken out and they'll take 3 or 4 in addition to each one filled by some random $15 fees... Finally after them messing up my bank account on numerous occasions I decided to stop the irritation and just pay them completely off which I did and mind you I've Never been late on Any payments! Paid them off over two weeks ago to wake up today with yet 2 more payments again from them in my bank account... contacted customer service and verified the account info and they have no record of these two new payments but verified my account closure! So yes they've been awful from the get go Never will I ever deal with them again...

this company is a scam at its absolute core. I paid $831 to pay off my computer. The very same day they called me and made me pay $40 more to finish paying it off which I did. When I asked him why that extra $40 wasn't on the website I was informed that you have to call them to get the true pay off cost.

After my conversation I recorded him telling me the account is paid off, and he told me he didn't consent to being recorded. I told him I didn't care. I took pictures of the account, and still have the original contract, and I'm fully prepared to take them to court if they pursue me for anymore money. Lastly I put a payment method that can no longer be used, and took the good payment method off.

The *** with this company and I highly suggest staying away from them at all cost.

They did the same 90-day scam on me. I had automatic payment, out of my checking account on my paycheck date. How could I ever make a late payment? They said the payment wouldn't process, so I gave them my debit card. When I called to pay my total remaining balance within 90 days, they called my payment that they couldn't process a late payment. They claim this made me no longer qualified for the 90-day. They intend to make their money on interest payments, but act as if you can get out of it in 90 days. Ending: Time goes by and I remove my debit card to prevent future interest payments. Guess what happens! They processed a payment on the checking account that wouldn't process! LOL Stay away. Some offers are too good to be true. Honest truth. I have information to back everything.

Absolutely horrible customer service! If you aren't giving them money they do not care what you have to say. I had my account set up for auto pay they pulled 2 payments and after that never pulled anything else! So I received a phone call stating that I was 80 days past due and owed double what my account was even worth! They could not drop the late fees even though I was not aware of the situation. They also keep reporting it to my credit which they have completely ruined! No matter how many payments I have made the past due amount has not changed. I missed 1 payment recently due to me being in a car accident and in the hospital and they reported it again! So I called to try and get them to help me out and they said they would not help me unless I gave them some kind of money! I will NEVER be using Uown again!

I financed tired from tire agent with uown as the lender. I canceled the order 15 minutes after placing the order. I have emails with proof of cancelation. I was charged$135 which I assumed was the cancelation fee for uown. I had spoken with uown customer service prior to the charge telling them the order was canceled. Well here i am 2 weeks later and have had my account charged for $95 dollars which was supposed to be the bi monthly charge. I tried calling uown this morning and they have my number blocked so I can't speak to anyone. I had to go to my bank and the are filing a report to get my funds back, but not before me having to completely close my bank account and open a new account. Very unprofessional of uown to treat customers this way, especially since I never got the tires because the order was canceled immediately.

They committed fraud on my bank account by giving my ach information to another company they do business with that then proceeded to remove funds from my acct with out my express consent , I contacted my bank and due to the fraud committed they closed my acct and reopened a new one . Uown stated that if I did not pay them with my bank information that my pay off would be 600 dollars more than it was three days ago ... do not do business with this company as they will give your ach info to other companies they do business with .. Second when you ask for the payoff you get the run around ask for a supervisor you get the run around ... all of this is unnecessary Check with you state licensing commission as you have to have a license to do lease to own and you can look up the company on the states website and see they have. I license to do business as a lease to own In Oklahoma for sure ...customer service is rude and unknowledgeable , do not use this business !

We bought tires from tire agent and the cost is $900 after leasing through uown the overall price is $2600. On our first payment they took out $60 and then the same day took another $50 and refused to return the extra payment. We didn't authorize auto pay or even initial the agreement for auto pay but it was initialed anyway but not how we initial paperwork. We spoke to tire agent and had over $150 worth of stuff removed and the price from uown never changed. We have spoken to and emailed uown and they are unwilling to correct the issues. If my family wasn't in desperate need of tires I would not have used them. I wish I had done more research before agreeing to do business with these people. It has been a hassle since day one we will never use these people again and I urge anyone and everyone to find a different place to do business. I found out later that Hibdon tires discount tires or any other major tire store offers financing for tires and are a lot cheaper. Please don't make my mistake.

I bought some rims from tire what ever and,, I gave my account number for my payments, . They took 1 cent out at first, than another $31 something and a payment before that . I had money set aside for my payments on my card account, and no more payments came out. I been watching for the payments so I can stay on time. Now if someone trys to take money out and it failed my bankcard let's me know. Now uown said, they have been getting insufficient funds, from my account. Well my card has not reported to me any rejection, yet uown said they were getting rejected. They all ready hit my card 3 times. But all of a sudden rejections. I been watching my bank and no with drawing. I beleive they are doing this on purpose to generate money. Now they are saying because I'm behind tow weeks I have to pat full amount plus finance payment ,and I can buy my rims out on 90 days. I beleive they are being crooked and scamming. Now the say I have to pay 162 dollars to reinstate the 90 days same as cash. SCAMMING ME. I HATED I BOUGHT THESE RIMS WITH THIS FINANCE COMPANY UOWN. Don't do it folks. Customer service can't speak English good and the guy was rushing me off phone. Tried telling him things and he couldn't understand me, and I couldn't understand him. Talking fast.

Uown does not bother to explain the agreement to any degree and will not provide you with TOS until you demand them or have access to your account for them.

I had made a purchase using Uown and decided to pay within 90 days to pay the true amount due however the my agreement was void due to 1 late payment which I was not aware of. When I explained I couldn't access my account they walked me through it, turns out they misspelled my name and due to that I was accusin late fees as voiding the early pay out option. I decided I no longer wanted to business with such a messy company and payed my dues which even tho I paid within 90 days I still over paid almost 200 dollars in other fees.

I do not recommend anyone use them, they're customer service is demanding, rude, and threatening stuff like Repos, credit impacts, and other fees as well as more calls. There website is lackluster and will not display in full what fees are due and for what. There are shady fees not mentioned in the agreement and not described anywhere else other than by the phone staff.

At the end of the day if you don't pay early you will be charged 2x what you needed. I paid 700+ for 600 dollar car tires and if I had not payed it early I would've payed 1300+ total through the lease to own.

I would give a negative if possible... my normal due date is the 6th of each month. On the 6th my account was charged $32 which was weird . So I called them and she stated there wasn't enough money in my account which I'm not sure how much was in it. Anyway I only owed $26.83 so I told her to go ahead and finish my payment. She said I wouldn't be billed again until the 17th ok great thank you! my normal payment is $98 every two weeks. For some reason on July $26.83 AND $92.83... so I called after hours of arguing we finally came to agreement that their second party payment service took it out. Okay well they decided to just add it to my next bill "okay ma'am you won't owe another payment until august 1st" ok that's great thank you! So the next morning I receive an email stating they couldn't charge my account uhm? For what exactly? I don't owe anything until August 1st. So I called this guy proceeds to tell me my account is in recovery and I owe for this bill because it hasn't been submitted on their end (I have a credit union so yeah) anyways it's posted on my end.. the money is gone... I asked if he could remove the payment method and just take me court because I don't want anymore charges unless I call in. He told me that he couldn't. So here we are almost 200$ in the hole and they can't find it. I would not recommend this place to ANYONE

Well I was look for the exclusive 155 /70/R19. Nobody had it in stock. The initial arrival date was three weeks late. Then the initial $charge was incurred which they said they would wave. They do that. Then they were supposed to charge me $15 per week for 3years. Not only did they charge me $40 they began calling my phone and not saying anything all I could hear is someone breathing in the background. Fast forward to 11/1/22 they called 7 days in a week. Then I have been calling then all October with nothing but a thirty minute waiting time. Then when I call them to explain my car got repoed an I would need the funds they deducted back. They were unwilling to negotiate. I said, I will just pay you $100 per month on the pretense that you return the$187 that was taken on11/5/22. Then I said hey what if you hold off all payments until mid January and Ill pay the full balance. The gentleman told you need to listen we paid them because you didnt have the money and we expect our money that you agreed to pay us. I just started a new job and that was the money for the travel. I said these are terms I can use. Well we arent here to negotiate you already agreed to pay and thats all. Then he counters with the offer I made previously. Well you owe 160 and wed accept that but never said what date can we start. He also gave no apology for the inconvenience.

Purchased a bed and mattress, total was 900 some change. First payment was 12/24 of 33.67. Been paying that same amount until 1/18/22. Called to change it monthly and they said I still had till March 2nd 2022 for 90 day same as cash. They took out 233 from my account, it's an 88 difference, why so much?. 33.67 weekly totals to about 145 monthly, doesn't add up. They said I had a late payment, which I don't cause it auto draft and taken out on the date it's supposed to, and that late payment voided 90 same as cash option. Have not been late whatsoever. When I set up monthly payments, it's when I was told I had till March 2nd, now today is Feb 18th and Jan 18th, 90 same as cash balance was $651, so that should left me with about 400 to payoff by March. Took a while for the guy to figure out what is happening and said someone would call me. I requested to speak to a supervisor after giving my information and never got transferred. Still waiting on the call. What is going on, why so many bad reviews on this company and why everyone has the same issue? I want this fixed, I will pay what I owe for the 90 days cash option, anything else, I will not. If this isn't solved and they keep saying different than what my bank says or agreement, then I will not pay for, and they can come get it. I will not take it to them because I had to pick it up myself, used my own gas. Fix this issue immediately!

I'm in the middle here. I purchased 4 tires & wheels last year with this company solely because they report to the credit burrows. Being in the process of building my credit, I love the fact that Uown trusted me to fulfill my end of the contract. But not the same feelings with my experience! I thought this was a great opportunity. I made all my payments on time, then using the early payoff option, I paid the balance in full. I was not only proud of myself for being so diligent, I was excited to see my score jump up! But that never happened. Almost 6 months later I reached out to the company multiple times with no response. After finally loosing my patience and sending a not so nice email did I get someone to help me. The woman & I went back n forth for about two weeks before she finally reported to me that she filed my excellent account standings to TransUnion ( they ONLY report to this one, NOT all three). I waited another month and still no confirmation of report. I called TransUnion and spoke with a rep who told me to give it a few more weeks. I checked back another month later with no news of report. So I then returned my attention to Uown and was told once again that the report was sent. That was about 5 months ago and still nothing! I love my purchase and I love the company for trusting me to do my part. I just wish they did a better job at thiers. I guess I will never know if the report was ever sent because I just get shut down every time I inquire. So I guess if you are counting on building your credit, ya might want to explore other financial options.

I ordered tired from tire agent loaned through uown however I am being billed by uown weekly plus tireagent weekly I can't understand why I got a loan from uown yet I'm paying tireagent as well as uown weekly anyhow I got 5 charges this week alone from uown to my account on top of what the payments to American first finance whome I'm not financed through no more I've emailed called and talked to no one I'm just wondering why I'm being billed by two places for one loan it's crazy

I have had trouble logging into my account for months. The company is aware.

I've sent support tickets and have called with no help being offered.

I have proof of this in screen shots & video

I have now received a email from them offering a settlement.

I can't accept it because I can't log into my account.

Then it shows up on my credit report

An account was opened in my name last Nov. Apparently, there was a credit card used that I didn't/don't own. The card was supposedly closed and now the account is delinquent. Apparently, I leased some tires from Tampa and I live in Michigan. I owned a 2020 Cadillac so don't need that. This is the only delinquent account on my credit report. If I owned you, I would have paid it. See screen shots of my credit report regarding this account.

I order some tires from tire agent, never received the tires and provided all documents to Uownleasing and Tire agent regarding this matter. I filed a police report and emailed copys to both companies was told there was no charge for the tires since i never received them. I even spoke with Uownleaasing and tire agent on a conference call last year around July/August 2022

This all started because I bought a computer for $1460.00. I used uown thinking it would be temporary adjustment because I'd have the money in a few weeks. No biggy right? Wrong. I get a random charge from amazon for $452.62 for a cpu, I cancel that order immediately and wait on that charge to refund. Just so happens I have a payment as of Monday. I see the charge and realize it was denied, meaning I am waiting on a refund from Amazon. Because I had only $10 in my account. So I immediately message uown through email to let them know the fraud charge/dispute and I was greeted with "Good morning, Thank you for letting us know about this issue. Hope everything is well. I can assist with a payment arrangement, this ensures the account does not go further past due and you do not incur any additional fees, however, this will void your 90day same as cash option to purchase the item early at a total reduced cost. If you feel more comfortable please give us a call at***. Please let me know if I can assist further. Uown Leasing" Now that is fine. "No additional fees" so how did a computer worth $1460 end up being more than double on my uown statement? They are wanting me to pay $3125. That is OUTRAGEOUS. Sure a small fee makes sense for one missed payment. But double the pricing of the item plus a bit more? That is completely outrageous and a scam! NOWHERE did it say that a missed payment would be double. No email, no text, no phone call, not on the website. Nowhere. Just "additional fee" here. "Additional fee" there. *** a $100 fee would be better than a $1665 fee?! Do you not see how that's ridiculous?!

March 5 I was approved for 2957.13. April 16 they were requesting me to sign a invoice but haven't seen anything. I have supporting documents to follow. Rebecca T. the Manager and I had a good repour until she started having a miscommunication Tasha from Price Buster and it spiraled down hill from there. I don't even know if they have a signed document from me because I don't as far as to when the changes were made. Below is a prior email that I sent. Hello, my name is *** I am writing regarding a situation with UOWN LEASING. I purchased furniture from Price Busters and went threw there process were they asked if I wanted to check the credit to pay like that. I had like a 3000 plus credit limit. I only us 1,804 28 months @142.39. I waited for months to receive my purchase come to find out the stuff that I ordered was on special order which wasn't told to me from the beginning. I called Price Buster over 100 times and finally spoke to the Manager explained everything but advised me I couldn't send it all back due to the false advisement. I ordered a Blue tooth speaker Two accent chairs Dining room sett Two coffee boxes When the order came only the high lighted above was there The chairs was on back order and the Bluetooth Speaker was on back order/ or special order. It took over 2 months to receive the other stuff and there is no signed contract Price buster never did a new receipt so I have been paying ULOAN all this money. I called them to see if there was something that I could to clear this up. So far I have paid them doubled and they added on months and they are robbing me. I need for this to be investigated.

I purchased furniture by using U Own Leasing in December 2022. I was given the 90 day option to pay off the loan amount. I received a call on March 3rd asking for a payment. The lady on the phone informed me that I had a payment due. At first she mentioned that I would have to pay a $300 reinstatement fee for my payment being late. (Not the $15 that I was told about on another phone conversation.) The phone representative then proceeded to tell me that if I made the $137 payment that I would not be charged the $300, so I made a payment. After making the payment, I asked the lady what my pay-off balance would be. She immediately told me $1017 plus a $300 reinstatement. I was shocked. I said "You just told me that since I was making a payment that I would not have to pay the $300. Now you are adding it onto my payoff?" The representative then changed her entire story to say that she did not say that. I ended the phone call. Today, 3/9/2022, I called U Own to get my payoff balance. This new representative told me my payoff was $1369 which included the $300 reinstatement. I asked the lady on where in the loan agreement does it state this charge. She informed me that they charge any amount that they want as the reinstatement. After reviewing some other complaints about this company, I have noticed that each client is charged a different amount. I asked that the previous phone conversation be listened to by a U Own supervisor so that this can be corrected. I will not pay this $300 fee. If they wish for the actual pay-off amount, I will pay that. My full loan amount was close to $1700, which I have already made 6 payments of $137 (which is $822). So someones math is way off on my balance. 90 days same as cash... STAY CLEAR OF THEM!

I purchased tires in January and used UOWN for that lease. I did have a interest free option. The contact with this company is terrible to say the least. They did send an email about my first payment not being drafted back in January which was odd because they had all of my info. I called and they told me that it was corrected and would be set on auto pay for every other pay day. I had this set up on a separate checking account. UOWN contacted me today in reference to my account being past due. They are also saying interest free period expired. No emails, no calls no contact since January and suddenly my account is past due. I checked my account and noticed that it WAS NEVER DRAFTED AS SCHEDULED.until MAY 3 for two different amounts. (this was not agreed upon at all. I asked the rep what the issues was AND SHE OPENLY ADMITTED THAT THIS WAS A SYSTEM ERROR AND AUTO WAS SUPPOSED TO BE SET UP! I informed her this was being recorded and she admitted a few times to this system error but insisted on collecting balance plus interest! She was so stuck on the fact that I missed the interest free period and was set on trying to get me to admit that I knew when the expiration date was. She kept asking why I didn't call them before interest free expired. THIS COMPANY PURPOSELY DID NOT DRAFT MY ACCOUNT AND PURPOSELY WAITED FOR INTEREST FREE PERIOD TO EXPIRE. NO CONTACT SINCE JANUARY AND THEY ONLY CONTACTED ME WHEN THIS INTEREST FREE PERIOD EXPIRED. CALL IS RECORDED AND I WILL SPEND EXTRA ON AN ATTORNEY AND NOT THE INTEREST THAT THEY ARE TRYING TO COLLECT. I OFFERED SEVERAL TIMES TO PAY THE AMOUNT FINANCED IN FULL TODAY AND THEY DECLINED. I WOULD RATHER PAY A LAWYER THAN GIVE THIS COMPANY ANYTHING MORE THAN THEY ARE OWED. I DONT DISPUTE THE DEBT BUT I ABSOLUTELY DISPUTE THE TACTICS THAT THEY ARE USING.

I had an account with UOwn Leasing and was regularly making payments. Eventually I switched payments methods on the online portal and so I manually placed a new form of payment on file. This never made it to the "autopay" apparently. Apparently you have to call in and speak to the customer service. Their customer service line is absolute hot garbage if and when you get ahold of someone and the online portal is terrible. They regularly send you spam texts every week and so I had this on mute, being I thought it was on auto pay. When I called to have this corrected I was informed I could pay-for-delete for the "missed payments. I then paid in full at the time of the phone call. This was a blatant lie. I should've gotten it in writing but I was trying to preserve my perfect credit. The customer rep I talked to today said that it is not possible and that I'm stuck with the payments. She then hung up on me when I started to look for a way to resolve this, until I was angry enough. I am as of today filing a suit in Florida against this company for fraud. I will be filing a complaint with the CFPB well. This company knows for a fact that they scam people out of their money and credit by having awful systems in place. There is a whole trove of anti-predatory lending laws this company has clearly broken many times. I am now trying to login online to see my past history and show that my credit card was in fact on file so I can submit it here and I can no longer login. Stay away from these jokers. I've had other leases and this is the hands down worst company I've ever dealt with. Liars, scammers and cons. They say they can't fix the payment history but by law they are required to respond to my dispute within 30 days. They side-stepped that by lying about the pay-for-delete - like most scammy companies do.

In September 2022, furniture was picked up (please see the attached). *** from merchandise recovery stated that this would be removed from my credit, closed out and no balance was due. He stated that he would follow up with me that it was taken care of, when I spoke with him over the phone. After the furniture was picked up, the gentleman that picked up the furniture stated that he would report that the furniture was picked up and it would be free and clear from my credit and nothing due. Time passed. Crickets. I reached back out to UOWNLEASING and *** was no longer there. Second person that had my file, stated that they would take care of it and nothing. First person was *** The next and final person I spoke with was *** in Escalations, phone number ***. *** stated she would immediately put in to have this removed and apologized for the inconvenience that this caused. *** had stated the gentleman seen in the photo never reported the furniture to them and that she would have it rectified.On one of the attachments is when the picture was sent to *** while on the phone with her so the date and time of the email is also when she was on the phone to confirm receipt of the furniture and this email and removal from my credit.I recently received a collection notice dated 12/20/2022 from ***. with reference number CA687527 stating that I owe $5,200.35. This tells me that *** did not do what she stated that she would. I want this cleared off of my credit please and the balance removed of what is due. I will not be paying this as this was settled out, furniture was picked up. Never again with I work with this company. It all started with *** and it has been a total nightmare. Please remove this from my credit and no balance due!Thank you!

Since 05/11 I have paid them 24 payments of $100.5. I originally thought this was a good idea to use them. $0 down and 0% interest paid in full in 90 days to buy a new set of tires that cost like $1267.32. I set up auto payment with them and set a reminder on my calendar to pay the rest off in 90 days. I go to Uownleasing.com and there's no sign in to view your account or pay bills so I try calling them and number can't be reached as dialed finally I called tire agent where I got the tires and they gave me a number that worked so I called them and they said I wasn't eligible or something that I had to pay 28 payments because I missed the deadline or something and now I owe them twice as much so instead of paying 1267.32 for the tires that I signed up for they are saying I need to pay $2800. I talked to the manager and said they take care of it and close the account for balance owed for the $1267.32 plus the fee I agreed and went on. Months later here they are still taking out money of my account $100.5 twice a month. It's a total SCAM I go to Uownleasing.com to get a phone number to call them and it says number is no longer in service same as before. There's no where on Uownleasing.com to "sign in" to look at your account. So I ended up having to have my bank block them. finally they call saying I missed a payment with them saying I owe them $600 to be paid in full when I already made 24 on time payments of $100.05 and I thought when the last time I spoke with the manager that it's all good and closed nope they continue to rob the bank account. The guy on the phone recently said there's no deals that I have to pay full amount today. It's all foreigners and they make you be put on wait for awhile it's totally sketchy. Total scam. I want my money back that was taken out after the $1267.32 plus the transaction fee and tax's paid that I was originally promised.

The Company, Uown Leasing advertises a 90 day same as cash option, then, illegally makes unauthorized ACH bank withdrawals causing transaction to be declined due to unrecognized debit(s) then Uown charges a illegal re-instatement fee to consumers, including ***. The company knowingly engages in bait and switch business practices, as evidence by the hundreds of Complaintsboard.com Complaints virtually identical to *** complaint.Uown has refused to accept my pay-off payment of $301.98, instead, Uown has attempted to extort a $100.00 re-instatement fee from me. In addition, Uown, claimed, without written proof to support its claim, that on September 2, 2022, I, ***, was 79 days past due on a bi-weekly payment scheduled, when I asked how I was *** weeks (79 days) past due, the representative could not explain this to me, instead, now claimed, I was current, even though Uown, just informed me that I wasn't. This company is a scam ripping off consumers with illegal bait and switch business practices, and fraudulent ACH bank transfers without consumers knowledge or consent. Uown debits multiple payments the same day, then charges bogus late fees to extort an unlawful ("Re-instatement ") fee.I can provide proof from bank records and a sworn affidavit to support my Complaint against this predatory company, Uown Leasing. I, *** would like the Complaintsboard.com to investigate my valid Complaint against UOwn Leasing.On September 3, 2022, I made a final pay-off payment of $301.98, to UOwn Leasing to close this account. I will NOT pay Uown leasing another dime. I notified my financial institution, *** Fargo to reject any further attempts by Uown Leasing to debit my bank account. I am requesting a written letter from Uown Leasing advising this account has been paid as agreed, and closed.I will NOT accept anything less.

Purchased tires through Tire Agent online, Tire Agent finances through a third party, Uown Leasing 90 days same as cash w/ $13.82 weekly, On 11/18/22 I paid my account off in full $355.86 before the 90 days same as cash date of 12/22/22, Uown Leasing closed my account due to my account paid in full. Awoke 12/02/22 to my bank card Uown has on file with a charge of $13.82, I called Uown Leasing spoke with *** and was told my account as been reopen without my consent, because a payment for $13.82 on 11/04/22 was pending not paid they never received the payment, however no I then mentioned to Uown Leasing on my behalf I cancelled that in particular payment due to on 11/01/22 and 11/03/22 I had paid $15.00 + $6.00 before scheduled due date I was told by Uown Leasing customer service if I pay $15.00 today 12/02/22 they will reclose my account I paid $15.00, awoke 12/03/22 checked my account with Uown Leasing to make sure my account was truly closed to find out my account was not closed ! Again I called Uown Leasing customer service center spoke with rep and supervisor was told a payment is due to be withdrawal from my account card on file again for additional $13.82 today 12/03/22 also my account was not closed so I called tire Agent to report this fraud activity as of today 12/03/22 my account is still open not closed through Uown Leasing at there choice without my consent was told by Uown Leasing supervisor it will close in 24 hours however is this true Uown Leasing is very unprofessional, unfair and inconsiderate company doing business illegal please do not consider financing with Uown Leasing I foresee a class action law suits in the near future this is my personal experience with Uown Leasing I fill that it's difficult for us already in are everyday life's why add to it? As well as we need to be aware of companies today such as Uown Leasing thank you in advance for your time, consideration and understanding !

MNGH LLC dba UOWNLEASING; 5401 W Kennedy Blvd, #1030; Tampa, FL 33609 has a debt on my credit report and is a fraudulent account. I do not have knowledge of the account. Based on my TransUnion Credit Report, the transaction occurred 7/1, no account number is listed, and the amount shows as $1407.00 for a 13 month term with payments of $108 due monthly. It appears as though 1 payment was made in August and none since. Understand this claim is disputed and validation is requested. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. Please provide the following to me in writing within 30 days from the date of this letter: Agreement between myself and MNGH LLC dba UOWNLEASING that grants you the authority to collect on this alleged debt. Agreement between myself and MNGH LLC dba UOWNLEASING that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Name and address of alleged creditor. Photo provided ID of alleged creditor at establishment of alleged debt. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Alleged debt items of alleged debt. Date this alleged debt became payable. Date of original charge, charge off, or delinquency. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account Complete accounting of alleged debt. This is a request for validation based on the Fair Debt Collection Practices Act. Allow 30 days for processing after I receive this information.

April I went to purchase a dining and living room set package from Price Busters. I spent on my CC over $600 and they placed the reamining portion of the loan with UOwn Leasing having been previously approved with the loan company. The total of the purchase was less than $2100 and automatic withdrawls were placed for weekly installments. The furniture took more than 7 months to delivery and Price Busters along with UOwn would not let me cancel nor refund my payments. One piece of furniture arrived weeks later damaged. I took photos and worked out an extension with UOwn Leasing for the delayed furniture since they would not let me cancel the contract. After a trival experience my last payment was automatically taken from my account and all pieces of my furniture were now in my home. Fast forward to 2022 of May, upon reviewing my credit report they open a balance of $2200 owed to them which puts my purchase amount of $4000 with dropping my credit score 44 points. I disputed the claim and contacted UOwn Leasing. They agreed that if I provided copies of payments they would settle for the amount of $350 to close the account and remove from credit report. After providing documentation of paying Price Busters and Bank Statements showing what was spent they increased it to $599 and then proceeded to tell me if I want it removed from credit report I would have to pay an additional $2200. I disputed and stated that is highway robbery and unsatisfactory considering the scope of events, no cancellation and being forced to pay for furniture that did not arrive to my home until months later damaged. They had control over automatic payments so why now should I agree to more terms when the full purchase was less than $2100. I recanted the email agreement and am seeking legal counsel. I have now disputed this again a second time on my credit report in hopes it will be removed. I am seeking assistance in hoping that with this information will help support feedback.

I took out a leasing contract with them that was to start on 2/11/22.In the meantime,I had trouble at a gas station that wiped my bank acct out and i knew payment would be late.When I attempted to get into my acct with them, I couldn't I made them aware of this and was assured it was ok about the delayed payment.On 2/17 they successfully withdrew the initial amount of 53.77 and an additional 28.77.I enquired about it because there was no reason to take the 28.77 and i wanted it credited back to me.They stated that the payment of 53.77 bounced back and that in order to get my acct current at this point was to pay them 25 in addition to the 25 that was due on 2/25 as my acct was originally set up for bi- weekly payment.Again,I stated that you already had 53.77 and 28.77,so you should either refund the 28.77 or apply it to the 25 that was due on 2/25,which should've left a 3.77 credit.They denied ever receiving the 53.77 again and on 2/24,a full day early,they withdrew 43.77 and 25,to which the 43.77 has never been explained as to what purpose it served.At this point i asked for 28.77 and 43.77 to be refunded to me and for access to my acct,no response.They have since attempted to take 15 for what they call a return fee on 3/3 and 3/10,and an additional 28.77 on 3/10.On 3/3, they still denied the 53.77,yet offered to leave it on the acct for the 90 days same as cash option,which would expire on 5/12,and that my acct was now in good standing.I still couldn't get into my acct.They also blocked my number from calling them yet told me to call with any ?s.On 3/11 I stated I was filing a complaint.It was then stated on 3/11 that they would refund me 53.77 but that I would have to pay a fee for the 90/cash option to remain open,No mention of how much fee would be.At this point,I wish to return the property as it states in the contract can be done, for the 43.77 and 3.77 to be refunded, close my account, and then leave me alone, this has been a nightmare of epic proportions.

I don't even know where to start in the list of complaints I have. And I see I'm not the only one. I purchased a small ATV in Dec. 2021. From then on nothing but issues with Uown. The day I made the purchase in the store I had a couple people explaining how the agreement works. I'm also legally blind and sometimes need help signing and or someone to explain to me what it says. After I told them that I only get a disability check once a month and a price range for the bill, I was told in store that it would be $163 a month. I asked probably 3 more times to make sure. It was a yes each time. I was ok with that because I could manage that price a month. So they helped me where to sign and why I had to sign so I would know. Well I get to noticing while checking my bank that more payments were coming out, not just the monthly ones I agreed to. In fee's and overdraft they have cost me probably $500 or more. So a couple months or so ago I contacted Uown. I told them my issues and to please correct these issues. When I called they told me that "NO" my account is set up bi-weekly for the $163 amount. So over twice what I could pay and then knowing I couldn't do that. Yes, I do have alot of these missed payments because I couldn't pay that twice a month. They said rudely, that they cannot change to monthly in their system. And since the couple missed payments( middle of month payments) they couldn't help me anyway. They take money out anytime they feel like it. I'm beyond frustrated. This has put me in the bigger bind ever. Then on April 20th I received a text saying we could make a deal for May 6th. The same day as I made the agreement they pulled another payment out that I didn't know about. That put me hundreds in the hole. I have my proof showing them the 20th when the payment came out but they say it's the 19th with my proof sent to them. They also pulled $15 out for late fees a couple days ago put me further overdraft. I have more to add but at the end of my text limit

On 10/10 I utilized UOwn leasing for tires through TireAgent. Acct# ***. I contacted UOwn several times to confirm why no account information was displaying on their online portal, only current balance that showed the full lease to own amount and no early buy out option. Calls on 10/21, date of my tire install asking process and second call on 10/22 with Caesar I was told account was not fully setup online and that is why no early buy out, lease or payment options were showing. To date this is not resolved. Similar conversation and question was posed on 10/29, when I called in again to ensure my account was showing current, early buyout option still in place despite the 'auto pay' payment being returned and a payment made with my saved payment on the website. All payments prior were on time. On 12/7 I returned a phone call to UOwn. Presumably late account call. Despite email confirmation of the 12/4 payment being received both from CS and receipt. It is great to find out AFTER you miss your first payment that you need to contact CS to update payment. Asking what is the deal with early buy out, as one of the stipulations in their lease is late payment removes early buy out. Agent told no buyout option, my payment was late and I was told same thing by his supervisor (*** I believe). The supervisor challenged my integrity when I referenced the verbal conversations and I was not aware the website would in fact never update with their back end system based on my agent interactions on dates listed above after I asked him to review the conversations. Asking me to play them? And seeming like it was vindication to him that I didn't record the interactions. It isn't legal in PA to record audio without consent... Points of reference - phone calls, receipt (attached) and correspondence. He then got combative telling me his agent had just provided the same info. Not sure he really listened to a single thing I asked or said. Why should he though, it is an extra $727 for Uown!

On November 29th I went online and search for a set of tires I found a place called Tire agent which I then found a set of tires that would work for my car now I'm short on money at this point in time and they seen an option to have it no money down and finance okay so I applied got a few offers and chose Uown. Big mistake obviously by the looks of it from everybody else on here sending in One account after another of nothing but just bad reports. Not anyway so I ordered these tires on the 29th as their mission statement or whatever you want to call it states they do make the process very seamless and very quick and easy but too quick and easy for the fact of before I even knew what I was going on I was already signed up and tires are on their way. Now I didn't think much of it other than the fact that I just quick math In My Head by the numbers I had in front of me it was until December 6th when I got an email showing the total amount that I owe. That is when I contacted them and ask them what is this amount this is ridiculous. Tire price for $743.88 the total price if I were to pay it off overtime by weekly payments at $ $55 in change for 28 weeks it came out to over $1,600 doing a quick math on that that's over 100% interest I offered them to work with it and just said we got to come to a manageable rate cuz this ridiculous they stayed it again with a 90-day pay off. If I was able to pay it off I would not be financing this. Now I do have the records of what they say they sent me and I had in my possession before any of this was already processed and ordered but you can look at the dates and they were not sent to after the 6th of December and also all the sections on that none of that which is close to me Oregon over by anyone or shown to me in any way shape or form the day of me agreeing to any of that not to mention the little signatures on that paper that are made to look like if my handwriting they are not and that is not my handwriting and if it's made to look cute I don't understand why but I know it digital signatures usually don't have no fancy print. Anyway I even will be contacting a lawyer deal with this because they've been getting away with this for way too long. Not to mention there are Usery laws s in every state and I'm pretty darn sure they have broken every single one of them. So at this juncture I don't know what to do I have made obviously two payments now one was made yesterday without my consent or knowing right out of my checkingI account. So as I said I will be searching for legal aid