The Window Source, Wells Fargo Face Abusive Sales Tactics Class Action

A Mississippi couple says The Window Source and Wells Fargo have been exploiting consumers with abusive sales and financing methods.

Plaintiffs Esther and Wilbert McCoy accuse defendant The Window Source LLC of using extraordinarily high-pressure and unconscionable sales tactics to drive homeowners to purchase new windows for their homes.

According to the McCoys, customers of The Window Source are left deceived as to the nature and quality of the windows they are purchasing, the terms and conditions of the company’s guarantee, and the terms of the financing agreements that the company has its customers enter into.

The McCoys say they were victimized by The Window Source’s predatory business practices in May 2015, by a sales representative who visited them at home.

This representative allegedly promised them they would immediately see a 50 percent drop in their electric bill after installing windows from The Window Source. They also claim this representative promised them an immediate increase in the fair-market appraisal value of their home. The McCoys say they never realized such savings after purchasing and installing their new windows.

As for the financing of the McCoys’ $5,301.85 window purchase, the sales representative allegedly told them it would be done through a closed-ended loan to be paid in a limited number of monthly installments at a specific monthly payment amount.

The McCoys also challenge the financing method offered by The Window Source. Rather than setting up customers with a one-off loan for the amount of the purchase, The Window Source allegedly signs customers up for a line of credit under a Visa Home Projects Card.

These credit cards are allegedly issued by Wells Fargo NA, also named as a defendant in the McCoys’ deceptive business practices class action lawsuit. According to the McCoys, Wells Fargo and The Window Source collude to sign customers up for this credit card without any actual authorization from the customers themselves.

The McCoys say their own financing agreement explicitly stated that they would be taking out a loan for the purchase amount and would pay it over 84 months at a 7.9 percent interest rate.

The agreement makes no mention of a credit card, they allege. They say they were never offered an application for a Wells Fargo credit card and never signed such an application.

Yet they later found themselves being billed for payments under a Wells Fargo credit card account, subject to an extraordinarily high interest rate of 28.24 percent.

The McCoys propose to represent a plaintiff Class that would include all persons who bought windows from The Window Source with financing by Wells Fargo as a result of the allegedly “deceptive, fraudulent, unconscionable, high-pressure” business practices complained of here.

They seek an award of actual, compensatory, statutory and punitive damages and all costs of litigation, including attorneys’ fees.

The McCoys are represented by attorney Macy D. Hanson of The Law Office of Macy D. Hanson PLLC.

The Window Source, Wells Fargo Deceptive Business Practices Class Action Lawsuit is Wilbert and Esther McCoy v. Wells Fargo NA and The Window Source LLC, Case No. 3:17-cv-00360, in the U.S. District Court for the Southern District of Mississippi.