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BBB Business Review

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BBB Accredited Business since

United Consumer Financial Services

Additional Locations

Phone: (440) 835-3230 Fax: (440) 835-6646 View Additional Phone Numbers 865 Bassett Rd., Westlake, OH 44145

BBB Business Reviews may not be reproduced for sales or promotional purposes.


United Consumer Financial Services Company is a Sales Finance Company providing financing for consumers retail purchases of various goods and services.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that United Consumer Financial Services meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for United Consumer Financial Services include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 65 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

65 complaints closed with BBB in last 3 years | 17 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 7
Billing/Collection Issues 37
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 21
Total Closed Complaints 65

Additional Complaint Information

Located in Westlake, Ohio, this company markets its services nationally.

Complaints generally involve billing disputes. Some complaints challenge the terms of the final payout amount of the contract and, in many cases, the company negotiated an amicable resolution to all complaints.

Customer Reviews Summary Read customer reviews

5 Customer Reviews on United Consumer Financial Services
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 4
Total Customer Reviews 5

Additional Information

BBB file opened: January 01, 1984 Business started: 01/01/1980 in OH Business incorporated 03/11/1982 in DE
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Ohio Department of Commerce / Division of Financial Institutions
77 South High Street, 21st Floor, Columbus OH 43215-6120
Phone Number: (614) 728-8400
Fax Number: 614-728-0380

Type of Entity


Business Management
Mr. James S. Barnhart, Director of Collections Mr. William J. Ciszczon, Vice President & Treasurer Mr. Timothy Spenser , Director Of Compliance
Contact Information
Customer Contact: Mr. Timothy Spenser , Director Of Compliance
Business Category

Consumer Finance & Loan Companies

Alternate Business Names
UCFS UDFI United Consumer Financial Services Company United Direct Finance Inc.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.