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Average of 30 Customer Reviews
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Review fromRebecca H
Date: 04/17/2024
1 starOn 5/23/22 I entered &
signed a 1 page long contact with ******** ******* ******* *** ******** out of S* **** ******* to purchase a ******* 14 Seer 3 ton Air Conditioner. Since I am on Social Security Disability I financed the unit thru the company Heatwave uses. That company is RTO National. Yesterday I added up my payments & it exceeded the amount I financed. The contract that I signed was for $8500.00. when I called RTO National they told me that was the cash price & that I must not have read my contract. They emailed me a contract that I've never seen before. What they did was put the contract I did sign at the end of the contract that I've never seen & put my name as an electronic signature!! Now, if I don't pay them $23,000.00 they will attach my property!!!
Please don't do business with them!! They are thieves!!
I intend on taking them to court but God only knows how I will finance that!!!
RTO National
Date: 05/15/2024
RTO National LLC values its customers and is dedicated to providing professional services that exceed customer expectations. We have reached out to Ms. **** in order to get more information related to her concerns so we can fully investigate them; however, she has not returned our calls or responded to emails. We ask that Ms. **** contact Pam at *************Review fromDanielle M
Date: 04/01/2024
1 starI had my shed since 2020 I signed a year contract after the year of making payments, and thinking it is paid off here I am in 2024 still getting harassed by RTO. They are threatening me to take legal actions against me when I paid it off.RTO National
Date: 04/09/2024
We encourage the reviewer to review the Lease Purchase Agreement she entered into with RTO National LLC in September 2020 which clearly states that a lease term is one month and if the customer leases for a total of 60 months and complies with the Agreement, the customer will acquire ownership of the Property. The reviewer has made 36 monthly lease payments and as a result, her account is not paid off and is seriously delinquent. Our employees have attempted to reach her for payments and to help her retain use of the Property; however, they have been unsuccessful. We encourage the reviewer to contact us to bring her account current.Review fromSheila Y
Date: 03/20/2024
1 starThe worst customer service ever. I tried to let them know I would be 20 days late and was told not good enough. The tone of the account manager was so rude as if they want you to default so they can come get the storage unit. Do not lease from this company ever!!!RTO National
Date: 04/09/2024
The reviewer entered into a Lease Purchase Agreement with RTO National on June 10, 2021 (“Agreement”) for delivery and use of a 10 x 16 Utility Storage Building (“Property”) with monthly lease payments being due one month from the delivery date. The Agreement also states that if a customer fails to make a timely renewal payment, the Agreement automatically terminates.
We have investigated the reviewer’s allegations, and a review of her account shows that it has been chronically delinquent, and she has a history of not communicating with the company regarding her plans to make payments. We listened to the recording of the call in question and do not agree with the reviewer’s allegation that our employee was rude or that our employee said that a 20-day late payment was “not good enough.” Our records indicate that the account manager calmly discussed the account holder’s concerns and reviewed the terms of her Agreement which calls for timely lease payments. The account manager advised the reviewer that RTO National has attempted to call her numerous times regarding past due payments, but calls went straight to voicemail. As a result, our employee informed the reviewer that a payment was necessary before the end of the month; however, she would note on the account that the reviewer stated she would not make a payment until April 4, 2024.Review fromSonja W.
Date: 03/19/2024
1 starI wish I had read these reviews earlier. We paid off, in lump sum, our **** **** in 2021. Today we got a call that we owed $80+ because we didn't call in when we paid off the **** **** to say we were paying off the **** ****! Absolutely ludicrous, unethical, and underhanded. A supervisor indicated that this company holds over 131,000 accounts and if they treat half of them the way they treated us, someone has some sweet lining in their pockets!RTO National
Date: 04/17/2024
We vehemently deny the reviewer’s claim that our company is unethical, and underhanded. RTO Finance LLC strictly abides by all regulations relevant to its retail installment contracts. We hold licenses or registrations in every state that has this requirement. We are regularly examined by state examiners to ensure compliance with regulations in order to continue to hold licenses and registrations. Our contracts state in very clear language the available terms, conditions, and options for customers to review prior to entering into the contract.
The reviewer attempted to pay off his or her account balance by making a payment through our online payment system. The system includes a notice that the account holder must contact a representative if he or she wishes to pay off the balance. This is standard industry practice. A review of our account notes shows that we did not receive a phone call from the reviewer prior to the online payment attempting to pay off the account balance in full. As a result, the account was not paid off because additional accrued interest had accrued and was unpaid.
Subsequently, we sent three text messages to the account holder to provide notice that a balance remained on the account due to accrued interest and that a payment would again be due March 12, 2024. We did not receive a response to those text messages.
We have been in direct contact with the reviewer and believe we have addressed the concerns to his or her satisfaction.Review fromShirley R
Date: 12/04/2023
1 starPlease do NOT purchase or finance through this company!! Poor customer service! They got us during the pandemic. Trying to make decisions with less contact at the time! POOR SERVICE!! Please go to ********* or ***** for your purchase!
Thanks!Review fromEric D
Date: 11/16/2023
1 starTerrible company. Will not work with you at all for any reason.Review fromTracey M.
Date: 10/30/2023
1 starThis company is a rip off - I purchased a storage unit and paid 18 months into my contract which was $4100 and still had 42 more payments at $232.00. If I would have made the 60 payments I could have purchased 3 storage units. I requested to pay the account off and still ended up pay 5300.00 after 18moths. This is a rip off. PLEASE DO NOT USE THEM.Review fromDUSTIN W
Date: 10/26/2023
1 starRTO Finance has horrible customer service and wouldn't help me out with sending me a pay off letter for my home lender. There was zero flexibility whatsoever, and now, after reading the BBB 1-star Reviews, I understand.
If I could give ZERO STARS, I certainly would.
Stay far away from this provider.Review fromNakia B
Date: 10/16/2023
1 starTHIS COMPANY NEEDS TO GO OUT OF BUSINESS! I bought a hvac unit from this company ***** ******* and I wanted to have monthly payments because I did not have the upfront money to down right buy it. So I was quoted 6,000.00 and according to the Lease Purchase Agreement, because I did not buy it out right; everything plus tax is $7,014.92. So I have 60 payments my first payment was made in December of year 2022. I pay $301.02 the first of every month. If I make 60 payments of 301.02 a month then my total payout is $17,014.92. If my total was 7,014.92 and I paid 301.02 for ten months; in total I have paid 3,010.20 then why is my pay off 7,000.00. That money that I have paid went in someone's pockets. This is a total rip off and something needs to be done before something bad happens.Review fromMaria R
Date: 07/14/2023
1 starI leased an AC unit with RTO only because the vendor told me that the amount I would be paying for the unit in RTOs lease contract would be $7,036.25. So I gave a down payment of $1,000 down. Once this was paid the unit was mine. I called RTO to ask for my remaining balance because I have already paid them the full $7,036.25. Much to my surprise they said that my total payments were $15,216.75. They said if I would have purchased it in cash I would have paid $5,000. My attorney is Ipreparing all my paperwork to take them to trial because this company is the true meaning of a complete scam and shyster.
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