Complaints

This profile includes complaints for Tempoe, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Tempoe, LLC

  PO Box 36464 Cincinnati, OH 45236-0464

• 

  Tempoe, LLC

  1750 Elm St. STE 1200 Manchester, NH 03104-2907

• 

  Tempoe, LLC

  7755 Montgomery Rd Cincinnati, OH 45236-4291

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:12/04/2022

  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.

  The company continues to take payments from my account that I don't owe. We gave paid close to $1,600 for a $500 washer. We purchased it from ***** and we specifically asked about the payoff and the leading . She told us once the five additional payments were made it would be ours abd that it was not leased but rent to own. That was specifically talked about. I went to our local ***** and they advised that they were sorry but could not help me since they are no longer using the tempoe service because of so many problems they had with the company and gave me their phone number but as of today I've gotten no response from this company m. I've tried to call and I've left emails. They keep itaking money every month but can't respond to any of our messages. The cost of this washer is $500 and we have paid over $1,400 so far abd when I pull it up online it shows payments all through next year?? I was never told anything about leasing, she even circled on my paper when the last payment would be. It's got me in a mess. I would have never got the washer had I known that it would cost this ridiculous amount of money. Please help with straightening out this mess. This washer should have already been paid for months back.

  Business Response

  Date: 12/06/2022

  To Whom It May Concern: 
  

  We want to thank *** ***** ********* for contacting Tempoe regarding her lease. We understand that there is some confusion with the terms and conditions of that lease. We completed an investigation into the matter and advise a copy of *** *********** Lease Agreement was provided to her at the time of the transaction and her lease terms/conditions will be found there, including the Early Purchase Option.  
  
  If *** ********* needs a copy of her Lease Agreement, please contact Customer Support by calling ###-###-#### and one of our friendly agents will be able to assist her. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:11/10/2022

  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 purchased a refrigerator from ******* ** ***** through why not lease it. It was paid off 10/04/2021. I’ve been receiving calls from security credit services stating I owe $670.00 on this purchase. I contacted ***, they were rude and unhelpful. I want this removed from my credit report and no further contact from either company.

  Business Response

  Date: 11/16/2022

  To Whom It May Concern: 
  

  We want to thank *** ******* ******* for contacting Tempoe/ WNLI regarding his lease. We understand that there is some confusion with the terms and conditions of his lease. We completed an investigation into the matter and advise we understand that *** ******* has questions about his Lease Agreement. A copy of your Lease Agreement was provided to him at the time of the transaction and the lease terms/conditions will be found there, including the Early Purchase Option.  
  
  If *** ******* needs a copy of his Lease Agreement, please contact Customer Support by calling ###-###-#### and one of our friendly agents will be able to assist. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:11/09/2022

  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 was contacted by a Dispute Resolution representative dealing with Whynotleaseit. I asked her some questions about the account. She started becoming very unprofessional and irate, saying she was going to take me to court and that I was going to jail and I was going to pay more than that.

  Business Response

  Date: 11/10/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ******** for contacting Tempoe/ WNLI regarding her lease. We completed an investigation into the matter and advise our records indicate that the lease defaulted and was sold to ***** ****** ************* on 04/30/2015. For any questions or concerns, please contact the Third-Party agency directly at ###-###-####. We would have no additional information as we are not the current owner and have not contacted *** ******** since the date of sale. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:11/05/2022

  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.

  My identity was stolen and used to purchase a ********* "*******" computer through a leasing company, TEMPOE, LLC dba Why Not Lease It for the sum of $1199.00 using my ****** * Credit Union credit card. I informed ****** * within about one day of the second change which was submitted on April 16, 2021. The first change was submitted on April 11, 2021. ****** * immediately credited my account for the unauthorized charges. On October 7, 2022 I received a letter from ******* ************ ***., a debt collection agency informing that I was delinquent on my account and the credit was being impacted. I immediately responded with a letter to TEMPOE, January and *****, the seller of the computer.

  Business Response

  Date: 11/09/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting Tempoe/ WNLI regarding ID Theft. We have completed a preliminary investigation and advise that the matter has been referred to our Fraud team for further review. Once the Fraud team has completed their investigation, they will notify *** ***** of their results; either by letter or email. If the Fraud Analyst assigned to the case need additional information, they will reach out to *** ***** directly.  
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 11/15/2022

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  I need resolution of my issue, not a investigation.  Talk to me when you have resolved your issue.
  
  
  Regards,
  
  
  
  ****** *****
  
  

  Business Response

  Date: 11/17/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting Tempoe/ WNLI regarding ID Theft. Attached *** ***** will find the response of our Fraud Team.

  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 11/19/2022

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  

  
  

  Sending me a form letter stating that you notified your Collection Department to cease all collection activity and that any "tradeline" submitted to any credit reporting agencies will removed "IF" a lease was open helps me none.  Send me another letter without the use of the "IF".
  

  
  

  
  

  
  

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

  Business Response

  Date: 11/21/2022

  To Whom It May Concern:

  We want to thank *** ****** ***** for contacting Check ‘n Go regarding ID Theft. We completed an investigation into the matter and advise this is a duplicative complaint that was previously answered on 11/17/2022. No additional facts or circumstances have been provided that would require a different answer. *** ***** would need to contact our Fraud Team for more information. They can be reached at ###-###-####.

  Sincerely,  
  Customer Advocacy Team  
  Corporate Offices of Check 'n Go  
  P.O. Box 36454  
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:11/02/2022

  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.

  This company is a scam that’s been reporting on my credit for years and can’t seem to get them removed off my credit please investigate . You try to contact them and just go around in circles they claim to be a credit repair agency please investigate, can’t find much information they know what they are doing and they are disguised as a credit repair to help you dispute off your credit report . I have been dealing with them for months I’m not sure how they are getting away with it but someone needs to investigate

  Business Response

  Date: 11/03/2022

  To Whom It May Concern: 
  

  We want to thank *** **** ****** for contacting Tempoe/ WNLI regarding his previous lease. We completed an investigation into the matter and advise our records indicate that the lease defaulted and was sold to ******** ****** ******** *** on 6/26/2017. For any questions or concerns, please contact the Third-Party agency directly at ###-###-####. We would have no additional information as we are not the current owner and have not contacted *** ****** since the date of sale. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:10/25/2022

  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.

  On 7/8/2021 I leased a stove for 1,000 with early buy off options with to my understanding that once the initial lease was up I would pay 473.00 dollars and then I would own the stove and the initial lease term was up 11/17/21 since then they've taken almost another 2,000 dollars thus paying almost 3,000 dollars for this 1,000 dollar product when I called them that unless I tell them to cancel the lease and pay them 473 dollars I don't own the product I'm questioning the legality of the lease and how they managed to take nearly two thousand dollars in the 9 or 10 months since the initial lease was up when I set it up so they were taking the payment on my payday but they were going in on a different day when the money wasn't there and then charging late fees the account number is *******

  Business Response

  Date: 11/01/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ******** for contacting Tempoe/ WNLI regarding his lease terms. We understand that there is some confusion with the terms and conditions of his lease. We completed an investigation into the matter and advise a copy of *** ********** Lease Agreement was provided to him at the time of the transaction and the lease terms/conditions will be found there, including the Early Purchase Option.  

  We have made multiple attempts to contact *** ******** and speak with him about the terms of the lease but have been unable to make contact. As a one time courtesy we have closed the lease.
  

  If *** ******** has any further questions or concerns about his lease he can reach us directly at ###-###-#### and one of our friendly agents will be able to assist him.

  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 11/03/2022

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  
  Regards,
  
  
  
  ****** ********
  

  Customer Answer

  Date: 11/03/2022

  I'm not disputing the contract at this point what I don't agree with is when I originally set the lease up I had it so that they were taking there payment on my payday so nothing should have ever been returned or charged late fees I paid almost 3000 dollars for something that only cost a 1000 so yeah I think they owe me

  Business Response

  Date: 11/17/2022

  To Whom It May Concern: 
  

  We want to thank *** ****** ******** for contacting Tempoe/ WNLI regarding his lease. We understand that there is some confusion with the terms and conditions of his lease. We completed an investigation into the matter and advise TEMPOE,
  LLC (“TEMPOE”) is constantly striving to improve upon the customer experience
  and this includes explaining the program in more detail. Briefly, our program
  requires lessees to lease their items for a 5 month initial lease term. Upon
  completion of the initial lease term our customers have 3 options. Such
  options include: (1) Purchasing the property by exercising the purchase
  option; (2) continuing the lease on a periodic basis by retaining possession
  of the property, in which case additional periodic payment(s) must be made in
  the same frequency and amount as during their initial term; (3) terminating
  the lease by returning the property to us in good condition, fair wear and
  tear excepted. If the lessee does not contact TEMPOE to set up the purchase
  or return of their leased items, their lease will continue on the same
  schedule until they make arrangements to purchase the item or return the
  item. This means that if a customer doesn’t exercise their purchase or return
  options after the completion of their initial term, their lease will continue
  for another payment period. After the end of that period, customer will have
  the 3 options again. This process continues until a customer purchases their
  leased items, returns their leased items, or reaches their maximum lease
  term.

  
  Your lease with TEMPOE, LLC was opened on July 8, 2021. Emails were sent regarding the Early Purchase Option and options available once reaching the minimum term. In accordance with the terms of your lease agreement, your
  periodic payments continued.  

  
  After receiving your initial contact through the BBB the lease was closed as a courtesy. Our Customer Service Team has made multiple attempts to contact you to discuss any possible refund but have been unable to make contact. Please give us a call at ###-###-#### and one of our friendly agents will be happy to assist.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:10/16/2022

  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.

  Im requesting you provide valid proof that you are a creditor and validation of this alleged debt of 685.00 pursuant to 15 U.S.C 1692(g) validation of debt for account ******* *************-************** Dated: 7/23/2021 under the provisions of FDPCA. A copy of a Consumer Contract as per the judgment in ******* ******** ******* ******** the Consumer Contract is not sufficient evidence of a debt. As per 15 USC 6827(3) "The term document means any information in any form." The provisions of 15 USC 6801 (a) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned Consumer Credit Transaction, your company is in violation without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties (ie **********, ******* & ********). According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby Informed that as a result of your fraudulent practices with the intention to cause harm.Your company inaccurately reporting on my credit file has caused defamation of my character.Your company violated the Fair Credit Reporting Act by regularly furnishing inaccurate and incomplete information about consumers to credit reporting agencies.Violating 15 USC 1692e(2)(A) by reporting the Derogatory Debt on my credit file. The legal status of this debt is falsely representing the legal status of this debt is falsely representing the legal status of this debt reporting it to the credit bureau FCRA, $ 611.Pursuant to  15 U S C. 1681(i)(5) Treatment of inaccurate or unventiable information. your Company has violated 15 USC 1692j(a) because your Company furnished : deceptive form to create a false belief in me as a consumer that the "Creditor" was attempting to collect the debt but in reality, it was not true.

  Business Response

  Date: 10/25/2022

  To Whom It May Concern: 
  

  We want to thank ******** *****  for contacting Tempoe regarding a Validation of Debt. Per your request, Validation of Debt documentation has been initiated and will be sent to the physical address provided in the feedback. You should receive these documents within 30-45 days.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 10/25/2022

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ******** *****
  

• Initial Complaint

  Date:10/12/2022

  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 leased a refrigerator from ******* ** ***** through why not lease it. Refrigerator was paid in full straying 06/01/2021,final payment 09/01/2021. I’ve been receiving phone calls from ******** ****** ********. They say I owe $670, but refuse to say for what or to send paperwork showing this debt. They won’t even say what the debt is for. This is also appearing on my credit report, and ******** said I have to contact them. I have tried, but have been unable to speak to them. I have proof the refrigerator was paid for in full. If this is for something else, it’s not my debt. I haven’t leased anything else. Can you help me with this issue.

  Business Response

  Date: 10/18/2022

  To Whom It May Concern: 
  

  We want to thank *** ******* ******* for contacting Tempoe/WNLI regarding his previous lease. We understand that there is some confusion with the terms and conditions of his lease. We completed an investigation into the matter and advise our records indicate that the lease defaulted and was sold to ******** ****** ******** *** on 1/20/2022. This happened because the buyout of the lease arrangement was not completed. Please contact Customer Support by calling ###-###-#### and one of our friendly agents will be able to provide more information.

   
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of Tempoe/ WNLI 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:09/21/2022

  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.

  We had a lease with Tempoe, LLC for a washer and dryer from Sears back in February 2018. We made our payments, but they kept trying to take more out of our account. We ended up having to block this with our bank. After several conversations with their service reps, they agreed that our account was paid and could be closed. Now, four years later, we are getting emails from Advanced Capital Solutions saying that we still owe over $1000! We thought this was all taken care of....

• Initial Complaint

  Date:09/21/2022

  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 went to ********* ** **** to buy a ********** (dog) and they offered me credit via Tempoe Financial LLC SO I applied and was accepted. Few months later I became desabled and had to stop working which caused me to fall behind on my payments for this account and others I had through different creditors. I applied for disability insurance and was approved. As soon as I started receiving my benefits, I settled all my debts including this one with Tempoe Financial LLC. I received letters from the creditors and collection agencies confirming the accounts were paid in full but I don't recollect receiving one from Tempoe. I didn't think anything of it because I figured they'd have proof of payment in their system. I also figured I'd have proof on my bank statement. Well, I switched banks and now there is no way to prove it. About a year later, I started receiving letters from a collection Agency stating I owed Tempoe Financial LLC money so I called the number on the letters and explained the account had already been paid for in a settlement. I didn't hear back from them but didn't worry because I noticed the collection had been removed from my credit report so I thought they had updated their system. Suddenly, a year or two later, I start receiving letters again demanding payment and the collection was added back to my credit which is affecting me. I called the collection agency ****** ********* ***** and explained, once again, that the debt had been paid for in a settlement but the representative would not listen and kept telling me that I had to pay. This has been very stressful for me and the whole thing is unfair. I paid already and there is no way I'll pay again just to get them off my back. This is completely insane and harassing someone disabled who's only living on SSDI benefits makes it even worse. Please let people know that Tempoe Financial LLC is not reputable or trust worthy.