This Business is not BBB Accredited
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This company offers help in restructuring and redefining financial strategies for debt challenged consumers.
United Employee Benefits LLC is not BBB Accredited.
Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
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Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
This business has no rating because complaints against it are handled by another BBB.
United Employee Benefits LLC came to BBB's attention in December 2008. As the company has adapted to the meet the needs of its consumers, the BBB is unclear about the types of services offered and the structure of the company. Below is the information the BBB has been able to obtain and the questions still remaining:
1. BBB is unable to determine where the company is located. BBB is receiving mail returned from the address in San Francisco. The company has indicated that it has a processing center in Las Vegas, NV, an Executive Division in Houston, TX, and indicated that the address in San Francisco is their corporate address. As of today we have not received an answer from the business confirming their primary business location.
2. BBB is unsure what the legal name of the company is, what other names they are currently doing business under, and in what state the company is incorporated, if at all. The names BBB has a record of are: United Employee Benefits LLC, United Benefits LLC, United Benefits, and United Employee Benefits Group
3. BBB is unclear about the company's type of business and services offered. On the company's website, it states: "All programs are designed to respect and protect a borrowers fundamental right to a quality of life and an opportunity to restructure commitments in relation to
Home loans and Re-finance
We were unable to find the company listed with the CA Attorney General's Office as a foreclosure consultant to offer foreclosure prevention services. We were also unable to find the company listed with the CA Department of Real Estate (DRE) to offer loan modification, home loans, or home loan refinancing services. BBB found a cease and desist order filed on
September 13, 2011 by the CA Department of Real Estate, asking the company to cease and desist performing any services that require a DRE License. At this time we are unable to find the company listed with the CA Department of Corporations (DOC) as a credit counselor or prorater.
In response to our concerns, the company states "We offer financial restructuring services and evolved to that to meet all state and federal regulatory statutes. Our services are designed to eradicate the need of all the services you have asked us to address by pre-empting such needs for any and all of the services you have asked us about." Regarding the cease and desist letter, the company states "there was no follow through to any litigation because we did not provide the service they alleged. They made a call into a call center outside of California where the rep made all his statements for a call center that was only designed to handle Midwest states. ... we pointed this out to the DRE and it was left as we always comply with state laws...".
The BBB is still unsure what specifically occurs with a "financial restructuring" and how it pre-empts the needs for regulated services. We are also unclear as to what state and federal regulatory statutes are being met and how the company's services do not fall under the guidelines of the previously mentioned government/licensing agencies. If you are interested in modifying a loan or credit obligations, please contact your BBB for general advice and tips, and for information about the applicable licensing or regulatory agency in your state.
Customer Complaints Summary
BBB Serving San Francisco, Oakland, San Mateo, and Northern Coastal California does not process any complaints against this company. Any complaints are directed to BBB serving Las Vegas, NV for processing. For a full report contact BBB located in Las Vegas, NV at (702) 320-4500 or http://southernnevada.bbb.org.
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Customer Reviews Summary Read customer reviews
0 Customer Reviews Customer Reviews on United Employee Benefits LLC
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Type of Entity
Limited Liability Company
Contact InformationPrincipal: Mrs. J.M Yoffe (President)
Number of Employees
Financial Services, Mediation Services, Credit & Debt Counseling