Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/16/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted during working hours and on my work line which is a violation of my company's policy. I informed the caller of these restrictions and the need for contact after my business hours or during a time I was allowed to step away from the work area. While he acknowledged my concern he continued to pursue a conversation. I repeated on three occasions that I was not allowed to take personal calls at work and that his contact placed my job in jeopardy. After obtaining a phone number where I could return his call after working hours he continued to contact me again disregarding the statement made notifying him that his call was a risk to my job.

  Business Response

  Date: 06/30/2025

  The only reason United TranzActions, LLC would have contacted any individual would be if there was a problem processing their payment or their payment returned unpaid from their financial institution. It appears that back in November of 2024 the consumers payment was returned by the consumers bank as Insufficient Funds.
  It appears that the consumer is not being forthright and is using the BBB in order to avoid payment of a returned unpaid transaction. 
  The consumer communicated that he was going through difficult times and requested a payment arrangement which was granted.
  To date the consumer has not paid.   
  The consumer is more than welcome to pay through the website ************** if that will make him comfortable.

• Initial Complaint

  Date:06/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a car my down payment didnt go through having financial problems. They called harrass me.

  Business Response

  Date: 06/20/2025

  United TranzActions, LLC (***) is a private company engaged in check guarantee and payment processing service for merchants throughout the United States, which means if *** guarantees checks for its Merchants, *** is obligated to reimburse that Merchant if the check returns unpaid for any reason based on a Service Agreement between *** and UTAs Merchant.  UTA Agreements are proprietary. 
  The only reason *** would have contacted any individual would be if there was a problem processing their check or their check returned unpaid from their financial institution.
  As stated by the consumer, he purchased a vehicle from a UTA Merchant, and presented a check in the amount of $6,000.00 representing the down payment towards the purchase.According to **** records the check was deposited and thereafter returned,insufficient funds.  
  Please be advised that *** has contacted its Merchant and returning the unpaid check to the dealership, and will be closing its file.

• Initial Complaint

  Date:05/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wrote check at car dealership which was denied by United Transactions with no explanation. There was plenty of money in the account to cover the transaction and the teller at the bank could not understand why the check was denied. My credit rating is excellent. I had to go to the bank and get the amount in cash which put me in a uncomfortable position.

  Business Response

  Date: 06/05/2025

  United TranzActions, LLC (UTA) would first like to apologize for any misunderstandings and/or inconvenience there may have been associated with the processing of your check.  As the consumer is aware UTA is the check guarantee/payment processing company for the merchant. *** would also like to establish that it is a private company engaged in the check/payment guarantee and payment processing service for Merchants throughout the United States.  Our Agreement is proprietary.

  *** is a private company and as a private company, *** reserves the right to decide which checks it will guarantee and which checks it will not guarantee as a matter of its sound business judgment. As a private company, *** is under no obligation to guarantee any particular transaction.The consumer should understand that all of our merchants always have the right and ability to accept the consumer's check in payment without a guarantee from ***. That would be a business decision for our merchants with which *** would have no involvement.

• Initial Complaint

  Date:05/23/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been attempting to resolve a check verification issue with your *** for the past three days to assist my dealership, *** ******** Buick, in processing payment via check #**** in the amount of $30,132.36.Despite having well over the necessary funds in my account and providing supporting bank statements, including a joint phone call with my bank confirming the checks validity, this matter remains unresolved. I also sent an email to your corporate office and have not received a response. Additionally, I followed up with two more phone calls, all without success.This delay has now left me without a vehicle going into the long holiday weekend, causing significant inconvenience. I am requesting immediate assistance and a resolution to this matter.

  Business Response

  Date: 06/05/2025

  United TranzActions, LLC (***) is a private company engaged in check guarantee and payment processing service for merchants throughout the United States, which means if *** guarantees a transaction for its Merchants, *** is obligated to reimburse that Merchant if the transaction returns unpaid for any reason based on a Service Agreement between *** and UTAs Merchant.  UTA Agreements are proprietary.  There are many reasons that come into play when the decision is made to guarantee or not guarantee a transaction which are based upon a series of risk algorithms that consider such things as dollar amount of the transaction and the number of checks issued to our merchants in the past, as well as our ability to verify the information provided at the time of the transaction. The decision by *** to approve or not approve transaction for guarantee is akin to a contingent extension of credit (if the check is returned unpaid for any reason). *** reserves the right to decide which transactions it will guarantee and which transactions it will not guarantee as a matter of its sound business judgment. As a private company, *** is under no obligation to approve any person's check for guarantee, and its risk decisions are within its own sound business discretion. The consumer could easily arrange to make payments at the subject merchant by purchasing a certified check at a bank, paying in cash, using credit cards, (if credit cards are accepted by the merchant) or any other mode of payment. Finally, the dealership always has the right and ability to accept the consumer's check without a guarantee from ***. That would be a business decision for the dealership with which *** would have no involvement.

   

• Initial Complaint

  Date:03/12/2025

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 11, I have emailed *** but have never received any response. I also tried calling multiple times, but I was redirected to a voicemail and even after leaving multiple voicemail messages, I still haven't heard back from them.Please get back to me.Reference number: ****** Check number: ******* Amount: $28,620 Thank you.

  Business Response

  Date: 03/13/2025

  United TranzActions, LLC ("UTA") does not believe this should be considered a complaint by the BBB.  Any business requires at least ***** hours to respond if not longer. 

  In any event,   UTA believes this has been handled by  representative

  Customer Answer

  Date: 03/13/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  This message was not supposed to be taken as a complaint, but was rather an attempt to get in touch with the business concerning a time-sensitive matter.
  I was able to get in touch with UTA.
  
  Thank you,
  ******

• Initial Complaint

  Date:12/04/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has contacted my parents and family members who are elderly and they dont have any business contacting them since I didnt have them as referral or emergency contacts. I have ask them to stop contacting them and they havent stop. They have my phone number, physically address and all my contact information and they still bothering them.

  Business Response

  Date: 12/10/2024

  *** is the check/payment guarantee and payment processing service for many Merchants throughout the United States and as such has rights to the debt for certain consideration (subject to the terms and conditions of the **************** Agreement). Our Agreement is proprietary.
  
  According to our system using the phone number provided by the individual it appears this is a Business under the name J L E REMODELING presented to one of our merchants.  The check was returned from the bank for insufficient funds. 
  
  *** will review the account and remove numbers not associated with the business
  

  Customer Answer

  Date: 12/30/2024

  I accept the agreement from *** removing all other phone numbers not associated with JLE Remodeling. Thank you 

• Initial Complaint

  Date:11/25/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by a representative from this company about a check written to a car dealership. The representative told me there was a problem with the check written and they couldnt locate my account. I do not know this company or why they were authorized to contact me. I contacted the bank and they explained the check was run incorrectly. I contacted both this company and the dealership. When I told the representative I had no dealings with his company, the check was run incorrectly and communication should only come through the dealership he became hostile.

  Business Response

  Date: 12/10/2024

  For informational purposes, in order to address the consumers concern about not knowing this company, United TranzActions, LLC (UTA) is the check guarantee/payment processing company for this merchant as well as merchants nationwide.  It is important to establish that *** is not just a payment processor but a check/payment guarantee company.  In a typical check guarantee transaction, for a fee and subject to the terms and conditions of our Service Agreement with our Merchant customers, *** agrees that if a ******************** is returned unpaid for any reason, *** will guarantee that check by reimbursing the Merchant for the loss the Merchant incurs because of the returned check.  *********** agreements are proprietary.
  
  United TranzActions, LLC  apologizes to the consumer for any misunderstanding between the consumer and UTAs representative.  *** is committed to ensuring that all its representatives communicate with consumers in a professional and civil manner. 
  
  According to the system, this matter has been rectified with the merchant as it does appear this transaction was processed incorrectly.  *** hopes this answers the consumers questions.

• Initial Complaint

  Date:11/16/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Reporting unverified, inaccurate information of a past debt that is no longer owed to them which got paid to the debt buyer by myself. A declined transaction #********* on 11/16/24 for the amount of $6,055.00 presented to merchant ****** of Hemet through UTA verbal authorization line was improperly denied causing undue financial issues relating to the financing of my vehicle purchase. This writer and consumer reached out to *** for an explanation and was advised of a sold debt still remains on their files causing for my California drivers license number to be declined. *** was unaware of debt being paid and asked this writer to fill out a VIP Preferred APPLICATION for check writing approval. This doesnt seem proper to correct outdated or incomplete information in there systems and needs correction immediately.

  Business Response

  Date: 12/02/2024

  United TranzActions, LLC (UTA) is a private company engaged in check guarantee and payment processing service for merchants throughout the United States, which means if *** guarantees checks for its Merchants, *** is obligated to reimburse that Merchant if the check returns unpaid for any reason based on a Service Agreement between *** and UTAs Merchant.  UTA Agreements are proprietary. 
  
  There are many reasons that come into play when the decision is made to guarantee or not guarantee a transaction which are based upon a series of risk algorithms that consider such things as dollar amount of the transaction and the number of checks issued to our merchants in the past, as well as our ability to verify the information provided at the time of the transaction, such as the telephone number or address. 
  
  As a private company, *** reserves the right to decide which checks it will guarantee and which checks it will not guarantee as a matter of its sound business judgment. As a private company, *** is under no obligation to guarantee any particular transaction. The consumer should understand that all of our merchants always have the right and ability to accept the consumer's check in payment without a guarantee from ***. That would be a business decision for our merchants with which *** would have no involvement. The consumer is also free to make purchases with cash or credit cards (if credit cards are accepted by the merchant).

  Customer Answer

  Date: 12/03/2024

   
  Complaint: 22566788
  
  I am rejecting this response because:
  My original complaint has not been read or responded too. Information is being reported negatively by this business and they are failing to supply me the required information with their source. If I owe any bad debt on file please bring it forward to my attention now; If not, this notification serves you that anything existing up until this date thats unpaid will be considered as satisfied in full and closed at a zero balance. This settles any accounts held at *** up until 12/03/24. Thank you.

  
  Sincerely,
  
  **** *******

  Business Response

  Date: 12/09/2024

  As *** explained in its prior response, *** is a private company engaged in the check guarantee business, among other businesses. *** reserves the right to decide which checks it will guarantee and which checks it will not guarantee as a matter of its sound business judgment. As a private company, *** is under no obligation to guarantee any particular check. The consumer should understand that all of our merchants always have the right and ability to accept the consumer's check in payment without a guarantee from ****That would be a business decision for our merchants with which *** would have no involvement. The consumer is also free to make purchases with cash or credit cards (if credit cards are accepted by the merchant).
  
  While *** understands the consumers position,he needs to realize the decision by *** to guarantee or not guarantee a check is akin to a contingent extension of credit (if the check is returned unpaid for any reason). Whatever the arrangements made between the consumer and the dealership has no bearing on the processes in which *** runs its business.  *** is under no obligation to approve any person's check for guarantee, and its risk decisions are within its own sound business discretion.The consumer has no right to force *** to guarantee the consumer's future checks. As *** explained previously, the consumer can easily arrange to make payments at the subject dealership by purchasing a certified check at a bank,paying in cash, using credit cards, or any other mode of payment. Finally, to reiterate what was stated previously, the dealership always has the right and ability to accept the consumer's check without a guarantee from ***. That would be a business decision for the dealership with which *** would have no involvement

• Initial Complaint

  Date:10/03/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband wrote a check to a furniture store. United Transaction contacted myself and my son ( who is an adult that doesn't even live in our city). How did they get our contact information. They said they were trying to get a hold of my husband. Why didn't they have his info? He's the one who wrote the check. I'm very worried about a breach of information by this company. How do I and my son know that our financial assets and fruit cards are safe? My husband talks to the co tact person and she said it wasn't her. Nothing else. Was offered. The check issue itself was finally sent resolved, but not without loosing our furniture delivery today because the store did t have the check.

  Business Response

  Date: 10/18/2024

   

  My apologies for the delay 

  United TranzActions, LLC (UTA) is the check guarantee/payment processing company for this merchant as well as merchants nationwide.  The only reason *** would have contacted any individual would be if there was a problem processing their check or their check returned unpaid from their financial institution.   The only information UTA is given is the information from the merchant in order to process the check.  The merchant receives its information from the individual writing the check.
  
  UTA is not sure what the consumer is looking for in this situation,  If the individual needs further assistance they may contact ***** at **********************, he is one of UTAs Directors.

• Initial Complaint

  Date:09/12/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Just trying to get some clarification . I issued a check to a vendor from my ****** ***** investment account . I verifed there are ample funds in the account . We are at a complete loss of understanding as to why this service denied guarantee of our check . Very frustrating as we are a long establish company with very good credit and have not ever had any issue with a vendor accepting. our checks as payment

  Customer Answer

  Date: 09/13/2024

  I just wanted to verify and clarify that my request is simple . This agency gives check approvals to merchants and a check my co wrote was denied but we verified with my financial advisor at ****** ***** that I have  ample funds in my account . This was disconcerting.Thank you 

  Business Response

  Date: 09/18/2024

  United TranzActions, LLC (UTA) would first like to apologize for any misunderstandings and/or inconvenience there may have been associated with the processing of the consumers check.  The consumer should be aware, *** is the check guarantee/payment processing company for this merchant as well as others.  Our first priority is our customer, the merchant.
  
  Because of the high amount of fraud occurring, particularly in that area/industry, the verification of information is key.  The decision to approve or not approve a check for guarantee is based upon a series of risk algorithms that consider such things as dollar amount of the transaction and the number of checks issued to our merchants in the past, as well as our ability to verify the information provided at the time of the transaction, such as the telephone number or address. 
  
  To approve or not approve a check for guarantee is akin to a contingent extension of credit (if the check is returned unpaid for any reason). *** reserves the right to decide which checks it will guarantee and which checks it will not guarantee as a matter of its sound business judgment.The merchant can call into *** in order to process the transaction. 
  
  As a private company, *** is under no obligation to approve any person's check for guarantee, and its risk decisions are within its own discretion. *** reserves the right to decide which checks it will guarantee and which checks it will not guarantee. The Merchant always has the right and ability to accept the consumer's check without a guarantee from ***. That would be a business decision for the Merchant with which *** would have no involvement. 
  
  For your convenience, *** has created a Preferred Check Writer Application. If youd like to become part of UTAs VIP Check Writer Program, we ask that you complete and return the form to ***. The application will be reviewed, and a determination will be made and communicated to you in writing. As part of our VIP Check Writer Program, if approved, you will now have an established positive check writing file with *** which will be accessible to any of our thousands of merchants. The VIP Check Writer form will take up to 5 business days to process and for you to receive a response.
  If you have any questions you can contact Check ************************** at United TranzActions  **************