@amgj1970 wrote:I made the biggest mistake and was dealing with Aaron's rent to own. I had insurance on the account and unfortunately the merchandise was stolen. I informed them of this and they told me I couldnt file the insurance claim You informed them on the same day the refrigerator was stolen? and was trying to collect over $2000 from me for a used refrigerator which had a value less than $300.
they sent me a letter stating they were sending the letter What letter? to corporate collections and if I didnt respond Respond to what? then they would pursue further collection efforts. I responded the same day and mailed the letter of dispute to them. (kept a copy as well).
I didnt hear anything from them for about a month. (basically the 30 day validation period). Then in the same day, I received a letter stating I failed to respond and they would notify the credit reporting agencies of the account. I in turn went to my email and discovered an alert from Credit Karma that it was already on my credit report. I mailed them another letter (keeping a copy for myself) stating I did respond and they ignored my response, ignored my dispute and that i would be filing a complaint with the Attorney General.
can I dispute this off of my credit report because they didnt follow validation of debt guidelines nor did they recognize my response saying I refused to respond when in fact I did respond.
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The LDW or Loss Damage Waiver is the right to file for insurance claim if something happened. They dragged the situation on for over 3 months within the store level and it was said they wouldnt honor a police report and I would be responsible regardless. The unfortunate truth here is that you let them drag it on for over 3 months. When I talked to the police department they said it was too late to file the charges of theft. too much time had passed. If it had been you car that was stolen would you have waited 3 months to report it to the police? The store knew this and that is what they were hoping for so that they could just come after me and not have to write it off as a loss. Now it is on my credit report. I just filed the dispute with the CRA now.
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Not trying to be a jerk here, but I don't think you're telling the whole story. I've been the victim of a B&E twice in my life and never had a 200lb refrigerator stolen.
I am sorry for your misfortune but did you file a police report. That would definitely help with any insurance claim: home;renters; or whatever through Aaron's. They are not the most ethical company so read their fine print a then see what you can in regards to your report, since they would be the OC, they can post anytime. They may have a third party come after you too. Keep on pushing !!
quote from heavyjay:
Not trying to be a jerk here, but I don't think you're telling the whole story. I've been the victim of a B&E twice in my life and never had a 200lb refrigerator stolen.
Just because YOU haven't had a refrigerator stolen after B+E does not make it impossible for someone to have a refrigerator stolen. That's the worst logic.
I know someone who has had large appliances stolen and sold on craigslist.
OP, I'm sorry you're dealing with all this. It doesn't seem like you have a lot of solid options. But I would dispute with the CRA's, contact the BBB about it and the FCRA. And maybe threaten legal action against Aarons if all else fails. Send letters with confirmation of delivery in future.
