EnerBank USA , CMS Energy Corp. 1. Inaccurate information 2. No website to ✅ balance amount owed. 3. Destroyed my credit. Salt Lake City Utah

 Enerbank is deceptive, and gets away with it due to: 1. Lack of contact information on their part, as well as the limited work hours they accept calls (not to mention the long hold times). 2. Enerbank does not send out a monthly statement, or the CONTRACT which is initiated by phone via the Contractor. (In my case, initial contact made on February 29, 2016. Second half of installation initiated on July 26, 2017) 3. Agents are NOT on the same page- one quotes something different than the previous agent. (When I called Enerbank for the pay-off amount, I was told there was a $0. Balance due. I knew this was inaccurate because I specifically left a nominal amount due ($187.00 ) I wanted to add the second half of Security Screens I had intended to have specially made and installed. 4. Enerbank never sent a hard copy of our Contract. I was advised I had a 1 yr. same as cash, and was making huge payments to get 0%interest, As well as getting the remaining Screen Masters installed. 5. Since Enerbank was not willing to accept the same terms as before (1 yr. same as cash) I used another financial source. 3 months later I suddenly get a call from their “collections dept” stating I owe $515.00!! Enerbank’s failure to dispense accurate information, allowed for them to tack on the interest charges. 6. I immediately paid off the amount they said I owed ($545.59) because allegedly my account was 28 days late, and would be reported to credit agencies- 7. Not only did Enerbank rip-me off for the Interest, but then they immediately reported it to the credit bureaus, which affected my credit score, hurting my ability to refinance my home. 8. Enerbank REFUSED to send a letter to my mortgage company, I am able to prove the debt is satisfied, and what’s worst is Enerbank is destroying My credit score. 720 last month. 635 this month. 9. Does anybody else smell a class action suit ?