Okinus credit solutions
Quality time tried to overcharge me

Made the worst mistake when I agreed to finance my Ashley Furniture through Okinus Credit Solutions! This is a company in Pelham, Ga. (formerly known as Quality Time of America) and only became accredited with the BB on 9-30-10, which was 16 months after I signed a contract with them. This company contracts with furniture stores for a "lease-to-own" program. Ashley never explained this to me, but I signed the contract on 5-27-09. I had initially paid Ashley (located at 2401 Interstate Drive, Opelika, AL. 36801) 169.94 up-front for a furniture delivery fee (69.99) and a 5-year Guardsman Furniture Protection Plan (99.95), thinking that those fees were paid for up-front.

Not so! Ashley declared this 169.94 to Okinus as a taxable "down payment"... Which became the first of my 19 payments to Okinus, which began July 1. The total price on my Okinus contract was 2692.20. Plus "applicable taxes". They were deducting 167.00 from my checking account each month. The payoff date would have been 12-4-10. However, as of 10-4-10, I had already paid 3043.94. The price of the furniture was 1151.73. Our state tax is 8%. As of 10-4-10, I had paid 351.74 in taxes. I made repeated calls to Okinus beginning in early October. I was treated like dirt, repeatedly asked to talk to Mgr. Lisa Caraway (always denied), laughed at, and had to call over and over. Guess what? Okinus voluntarily suspended my last two months of payments because they knew they had overcharged me! I received a pay-off letter pre-dated 10-11-10 signed by Lisa Caraway. "Brittany" (conveniently still on maternity leave) is the one who drew up the contract. I spoke with "Brian" who repeatedly said, "You still owe us two more payments. Can I get your credit card number?" I was repeatedly transferred to him. He eventually said, "We'll send you your payoff letter if you stop calling us". Finally spoke to "Leon" (a part owner?) who was the only one at Okinus to admit that I had been overcharged. My correspondence with Okinus was a nightmare! But, there's a reason my last two payments to Okinus were voluntarily stopped.

I have my pay-off letter, and will never do business with Ashley or Okinus again. Ever!

If there is a "reply" to my post from Okinus, (or Ashley) I will state right now that they're just trying to cover their you-know-whats for making a huge mistake! I have documentation, and a $14.00 check from Ashley for the taxes I should have been allowed to pay for a delivery fee and a Guardsman 5-year furniture protection plan which I paid for on 5-27-09. The Alabama State Tax Commission will be receiving a copy of this check, which is illegal, since Ashley kept my untaxed 169.94, but referred this to Okinus as a "down payment". Okinus then proceeded to tax me on this "down payment"!

There's also a reason why Okinus just became accredited by the BBB on 9-30-10, when everyone I've talked to in that company says they've "been in business for a couple of years".

If Okinus replies to this, I will guarantee that they will be making excuses. It would be nice to have a written apology!

Company: Okinus credit solutions
Country: USA
State: Georgia
City: Pelham
Address: 157 W. Railroad St. South
Phone: 18004460970706324

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