PAID IN FULL, INC.

Car Buy Back Hi everyone! Location: Alabama Car purchased 2024 in TN, registered in AL. Anyway, long story short (jk) : Bought a car 10/2024, within 48 hours the doors stopped working. Taken it to be serviced over 7 times to two separate locations and haven’t had any resolution. The car is a lemon but by LAW doesn’t “qualify” as a lemon. Fought with the dealership for the past 19 months to do something about it and they finally decided to buy it back. Their original email states : Dealer has reviewed your request and will offer to repurchase your vehicle.  Please provide a consolidated payment history from your bank in .PDF format, 10-day payoff with full account number visible in .PDF format, and photo of your current year vehicle registration at your earliest convenience. Upon receipt, we will provide a repurchase calculation for your review. In general, a repurchase would refund the amounts of money paid into the vehicle less any applicable deductions and dealer will pay off any outstanding loan, if applicable, and the vehicle will be returned to dealer.    Please let us know if you have any questions.  I provided all the documents and they then waited so long to reply back the pay off letter expired. They offered to pay off the loan only. So I replied with this : I have a quick question on why the refund to customer is $0 when this previous emails states we would be refunded money paid into the car AND the remainder of the loan paid in full. This would leave us with approximately $12,712.34 in loan payments, $453.60 for the wall charger and $3.235.18 in taxes, ad valorem and registration fees.  Just wondering where that additional $16,401.12 went.  Their response : There are two points.   1st, Despite the customer having an unreasonable service experience, they have used the car as intended. Vehicle was delivered with 66,146 miles on 10/26/2024, mileage at offer was 96,496 miles, meaning in 1 year and 7 mo. the customer has driven

Paid in full for college out of pocket, just to lose my job days after. The add/drop period was so short I missed it. What do I do? Hi, Location: South Carolina First time posting, so not sure if this is the right sub or not. I planned to go back to college. At the time, I was making decent money at my job, so I paid for the semester up front. I didnt bother with FAFSA as I knew I wouldnt qualify for anything and did not want additional debt when I knew I could just pay for it. I lost my job immediately before I go on vacation. My classes started during the vacation. I did not realize the add/drop period was only 2 to 3 days as it is usually a week. When I came back, I found I could not get a refund for my tuition as it was passed the date. I emailed the financial aid office explaining the situation asking if theres anything else I could do as I need this money back now that I am unemployed. They do not care. I applied for FAFSA in hopes of getting a grant, but they only care about what I was making in 2023, not right now which is insane. Im stuck right now and don't know what to do. I cant focus on school while looking for a job in this economy. Last time I was unemployed it took 6 months to get another position and I applied to probably well over 1000 jobs. I thought about doing a charge back with my credit card company, but after doing some digging it seems unlikely it will work because of the add/drop period issue. Is there anything I can do in this odd situation? I feel like losing my income would qualify as a severe life event out of my control, but apparently not. I have to worry about a roof over my head and food now. My state's unemployment only pays a max of like $350/week which is nothing. I would rather have that money back now and wait to try college again when I am back on my feet.

Nightmare Client From Hell - Please Help I’ve been dealing with this client since August, and now I’m at the end of the tunnel with what to do. Location: New York State. I’ve been working on a website with him since then, and it has been a complete pain in my ass. Something to keep in mind, I work in sections. Each section has a list of things the client wants me to do, and I ask for 60% upfront as a deposit then 40% upon completion. This is important for later. First off, scope creep. He will constantly add things, change his mind, remove things, and even worse is he will constantly text me saying “you still didn’t do this, still didn’t do that” even though he would have requested that change just the day before. It’s impossible to work with him in a straight line. He blows up my phone - calls me at 8 in the morning when I’m at my day job, texts me at 6:30 in the morning, once threatened to file a missing persons report because I didn’t respond to his text for two days, and once showed up to my former place of employment because I didn’t respond to his text in the morning, and pulled up on me as we were already texting back and forth just to talk about the website - in the middle of my shift. I was just able to barely deal with this until he dropped the biggest scope creep in the entire planet. I was supposed to launch his website on a certain date, and I did. We agreed on this date, and he was pressuring me to finish on time. So I did, I launched it (made the site public with his purchased domain). Except he didn’t have any of his products ready, and then asked for me to go back and put literally 80% of his products as out of stock and make ADDITIONAL changes on the website. I stayed up till 3-5am working on this guy’s website, while still being a college student with a full time job, and this is how he spits on my face. At this point I had it. I kindly told him I wasn’t going to touch his website until he was certain he knew what he wanted simply because

Contacted via text stating the following: This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Welcome! You'll rcv account msgs from McCarthy Burgess & Wolff. For ?s call 888-584-3053 To opt out reply STOP MB&W-Debt Collector: Our records show that you have an outstanding balance owed to Verizon Wireless. Please call us at 888-307-9687 or You can make a secure online payment at www.mbandw.com/make-a-payment To opt out reply STOP End text. I contacted Verizon wireless who confirmed both over the phone and in writing that I do not owe anything, all of my bills are paid in full, and they have never sent anything to a debt collector. When I called the number listed I stated this and they hung up on me. It seems to be a legitimate business location that is involved in scamming people. [BBB Scam Type: Debt Collections] [Business: McCarthy Burgess Wolff] [Location: Portland, OR, USA - 97239]

HELP please, advice needed Piano rental company messed up my rent-to-own contract with multiple clerical errors — now demanding $310 while I’ve overpaid ~$4k. Do I have a strong case? In July 2021 I rented a Yamaha U1 upright from Piano Piano (NYC) on a rent-to-own program. The original contract had several major errors on their end: • My name spelled “Liza” instead of Lisa • Wrong email address (lizapetersirl instead of lisapetersirl) • Wrong serial number listed on contract than the piano that was in my home. Because of the email typo, I never received the automated notice after Year 1 to convert the rental into ownership (their program is supposed to apply 100% of the first year’s payments toward purchase). I ended up paying the full rental rate of $136/month for years. Numbers: • Total paid so far: \~$8,419 ($667 initial + 57 months) • Original purchase price of the piano (per their manager): $4,322 • Overpaid by roughly $4,000+ due to their errors In September 2025 the manager admitted the email mistake and made a lowball offer (just first-year credit + $500), but I was dealing with a serious family health crisis and communication dropped. I also hired an independent tuner (\~$135 out of pocket) who found loose keys and confirmed the piano needs work — they never provided the promised maintenance. Now in May 2026 my card expired and they sent a hostile collection letter demanding $310.29 — but it lists a completely different serial number (F1087010) than my original contract. I don’t play the piano much anymore but I’m used to having it in my NYC apartment. I want to either: • Own it outright as “paid in full” with refund/credit of the excess \~$4k, or • Return it and get a substantial refund of the overpayments. Their low offer feels insulting given the multiple screw-ups that caused the overpayments. Question: Do I have strong grounds for unjust enrichment / breach of contract in NYC Small Claims Court? Should I send a for

Moving Company Disaster Location: MA -> OR Hi there, I don't usually ask questions on reddit lol. I just had a pretty bad experience with a moving company and I'm seeking some advice to see if this is an issue that is worth escalating legally (as in, would I receive more compensation by doing this than simply requesting a refund of my deposit as a bare minimum). My deposit was $577. I will try to condense this. (I'm now realizing it's long story long no matter how hard I try to condense it). 1. Quoted me \~$2300 (Yes I know this is low for a cross country move, and yes I did expect it to fluctuate slightly as an estimate is an estimate). To get the quote, I provided a full item list including dimensions of some larger items for accuracy. On move day, they showed up and told me it would be over $7,000. I informed them I couldn't pay that and asked them to leave, which is when they started negotiating. We got it down to $4,900 with the stipulation that I paid in full at the end of the month and my items would be delivered upon payment. I was trying to avoid any more surprises, so I asked the manager on the phone if there was a charge to hold my items for the month and he said it would be $300. In less than 48 hours I let them know we didn't need to store any items and could proceed with the original delivery time frame, but I was still charged the $300. On top of that, in early texts from the booking agent, it said I had 45 days of storage free. So I was charged $300 for a free service via verbal contract... 2. Disassembly and reassembly was included in the cost. Upon delivery, they didn't reassemble anything. They partially put my bed back together and put the mattress on top of it (wrapped up) so when I lifted the mattress off to unwrap it, I noticed at least 7 screws were missing, only half of them were installed. The screws were present, I put them in myself. They tried to have me sleep on a half finished bed (unsafe?). Also, my 6ft dining table, 4ft jewelry

Landlord sending aggressive messages, after rent was paid (late) but paid in full plus fees. Location: Upstate New York So, back in April I left a job and have been income-less since while job hunting. That’s beside the point but, I ended up paying rent with the help of family late, with $100 dollars in fees. Paid. In full. Today, my landlord randomly sends me a message asking if I have found a job. I explain I have but orientation isn’t until next week. She replies that if I do not have a job by June 1st I have to leave, except very strongly worded and including vulgarity. Is this okay??? I’m freaking out. It’s already been hard enough having to accept help from family and I feel like I am being intimidated.

In July 2025, I submitted a request on The Bash website looking for a local mariachi band for my wedding in June 2026. I received multiple responses, including one from a group “Mariachi Supremo,” who followed up several times stating they were still available for my date and could offer a discounted rate. I spoke by phone with a man named “James” (phone: +1 763-274-8448), who claimed to be a band manager representing multiple groups under his company, “Skyway Entertainment LLC” that his job is to book gigs for bands. He stated he represented the following: • Mariachi Supremo (email: [email protected] , website: https://hire-mariachi-band.com/) • Bravo String Quartet (website: https://www.bravostringquartet.com/, also listed on The Bash: https://www.thebash.com/classical/bravo-strings-quartet-music • Great Gatsby Jazz Band (email: [email protected] , website: https://greatgatsbyjazzinc.com/) I agreed to hire the string quartet for my ceremony and the mariachi band for cocktail hour. I was quoted $1,900 total, but was offered a discounted rate of $1,500 if I paid in full the same day. “James” answered my questions, provided sample song lists, and appeared professional throughout the process. I then received an invoice via Adobe Acrobat Sign from “Holly Price” ( [email protected] ), and I paid $1,500 through my bank account. Received the receipt of payment and contract [BBB Scam Type: Online Purchase] [Business: Skyway Entertainment LLC] [Location: Chicago, IL, USA - 60638]

A letter saying final notice immediate response needed about the car i just bought, PAID IN FULL. No business name of where the letter orginated from, no website nor email address. Only a phone number which is, 1-833-777-1002 [BBB Scam Type: Phishing] [Business: They didnt use one] [Location: Knoxville, TN, USA - 37921]

Contractor dispute We hired a contractor for a custom built home and are disputing the soffit. We approved a “flush” design that involved sheets of wood that were then painted. Soon after install, the wood became “wavy” and visible gaps formed. The contractor has acknowledged in writing and verbally that the sheets of material are likely too thin and/or not enough framing on the backside. Their suggested fix is to add trim along some seams (but not all). This would create a disjointed, boxy look in my opinion and is not consistent with the original look we agreed upon.They refuse to replace the original material or go over it with new material and claim we “approved” it (nothing in writing). We approved a look, and maybe material type, but were certainly not consulted on the thickness or given a choice in that matter. In my mind, it’s the contractors job to choose the right product and correctly install. I also feel like this patchwork finished product would not be consistent with the “industry standard” quality promised in our contract. We‘ve paid in full so don’t have that bargaining chip. Their contract also guarantees their work for 5 years, but this is still the suggested fix after failing immediately. Am I out of luck? Location: WA

Paid in full for work on the exterior of my house and after 2 years of empty promise of finishing I took him to court where he never showed up. Still seeking legal action. [BBB Scam Type: Home Improvement] [Business: JBWK Contracting] [Location: Buffalo, NY, USA - 14228]

?I hired this firm to provide architectural drawings and handle the permitting application at my property ?My complaint is based on professional negligence, failure to perform contractual duties after receiving full payment. ?Contract & Payment: I entered into a contract with AEDP Group . I paid the fees for this service in full upfront. ?Professional Competence: The initial application submitted to the City was significantly delayed. When finally submitted, the City noted that the application was filled with technical errors. ?Lack of Response: I immediately contacted AEDP Group’s head office. I have attempted to contact Mr. Hasan, paul,randy and his team numerous times via phone and email to request this revision. ?Refusal to Communicate: Mr. Hasan, Paul, Randy and AEDP Group have ceased all communication. They are ignoring my phone calls and have failed to reply to my emails, despite having been paid in full for the completion of this permit process. [BBB Scam Type: Home Improvement] [Business: AEDP GROUP] [Location: ON, CAN - N2N 3M7]

Paid in full for an electrical job that wasn’t completed and was certified dangerous by the city electric inspector He took money for substandard parts and money for labor. He left us without electricity took money and couldn’t complete Dollars Lost $4125 [BBB Scam Type: Home Improvement] [Business: Ryan Vaughn] [Location: IN, USA- 47374]

He was hired to do work and was paid in full and never did the work and refuses to return the money. His business is called Will-I-Can handyman services in Richland WA. Dollars Lost $1300 [BBB Scam Type: Home Improvement] [Business: Will-I-Can] [Location: WA, USA- 99336]

I extremely hate to do this however I want to share my experience with Mick Peterson (Micky Bobby) or his business sunset construction to help others make informed decisions". Hired in Dec 2024 for a 6 month basement remodel (phase 1). Upon completion of phase 1 we planned to build an addition (this would be atrial period). Ran into trouble with the basement wall repaired 10,000 (paid feb 2025) . Paid cash for help for other things around the house passing over 1000, paid cash for certain materials, flooring, shower etc. By July 17th 2025 he was paid in full (20,000) gifting an additional 2000 towards Dec 2025. Totaling over 33,000.00. However at that time (July 17th) he wasn't even close to being half way done but requested it anyways and only wanted to move forward with the addition. First completion date was supposed to be June, then Sept, then Dec of 2025 then March of 2026 with continuous response I'll get it done. Turn now to march 1 2026 and after continuous of not showing up, delays, working maybe 8 hours a week THIS WHOLE TIME, he has now officially abandoned the project. Just a warning to everyone. The continuous excuses of not showing up are recorded along with me being courteous, kind and respectful all while encouraging him to complete the work before set dates with a promise from him of completion every time This is how he left the basement given an almost 14 month project. Never got a contract from him after requesting it multiple times same with his insurance. A good friend of mine suggested him, he is/was a good friend of his. He said I could have trusted him but didn't know why he kept messing up. And obviously I kept giving him the benefit of the doubt seeing his previous work I never thought it was an issue however I do believe this is not his first issue with having issues with his customers resulting in court or settlement(unaware). [BBB Scam Type: Home Improvement] [Business: Sunset Construction] [Location: NY, USA- 14738]

I hired a moving company to move my family from Fort Erie Ontario to New Brunswick. Mark the guy I talked to said they would pick up everything on January 2nd and I would have all my items by January 4th. I had to pay right away he told me my belongings won’t leave until it was paid in full. So I did. Never got my things until February 2nd. I am missing a lot of things and I have so many damaged items. Dollars Lost [BBB Scam Type: Moving] [Business: Metro moving and storage] [Location: ON, CAN- L2A 5R5]