We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Financing

United Consumer Finance, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

Customer Complaints Summary

  • 12 total complaints in the last 3 years.
  • 4 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:07/01/2025

    Type:Order Issues
    Status:
    Answered
    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 picked up the phone and was greeted by a very slick salesman who promised me that if I paid his firm of CA lawyers, I would be able to reduce or eliminate my IRS debt. As a teacher, I thought this sounded like a good plan. However, as the months passed, I received an itemized IRS debt belonging to someone else, encountered different assistants who had no idea what was going on, and endured a young man lecturing me about how I could have such a large IRS debt. Nothing was accomplished on their end, and I am still paying off this debt. I would never recommend this company for *** assistance. Going directly to the *** is a better solution.

    Customer Answer

    Date: 07/11/2025

    I have not heard from the business in response to my complaint.

    Business Response

    Date: 07/12/2025

    We have no record of this customer, she is complaining about the wrong company.

    *** is an indirect auto lender and has never dealt with IRS debt.

  • Initial Complaint

    Date:03/11/2025

    Type:Order Issues
    Status:
    Answered
    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 am not obligated for the debt claimed by UNIT CON FIN. There is no contractual agreement between me and UNIT CON FIN, and they have not furnished the original agreement as requested.

    Business Response

    Date: 03/13/2025

    *** has no record of this person in our current servicing system.

    Could she please send her SSN to ensure this.

     

     

  • Initial Complaint

    Date:01/04/2025

    Type:Customer Service Issues
    Status:
    Answered
    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 am not liable for this debt with UNITED CONSUMER FINANCE, I do not have a contract with UNITED CONSUMER FINANCE. They did not provide me with the original contract as I requested.

    Business Response

    Date: 01/06/2025

    Mr. ******* signed the electronic retail installment contract through *********

    DocuSign provides fully executed copies to all parties upon completion of the contract.

    I have provided the fully execute RIC, along with the certificate of completion of said ***, showing all parties signatures, dated and time stamped, along with the ** addresses of all parties who signed, and email addresses of which DocuSign sent the completed contracts.

    Furthermore, Mr. ******* made several payments on this loan and never disputed the legitimacy of the debt until he defaulted and inevitably had the collateral secured and the loan charged off.

    Payment histories and collection notes are provided showing Mr. ******* made payments and provided verbal payment agreements on this debt, willfully.

    This debt is valid, and UCF urges Mr. ******* to make arrangements to pay the deficiency balance owed.

  • Initial Complaint

    Date:07/24/2024

    Type:Billing Issues
    Status:
    Answered
    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 a 2012 Honda Pilot financed via UCF purchased in December of 2021. I also previously financed a 2015 **** Fusion through UCF My credit report is showing the paid off Fusion correctly however the reporting for the Pilot is duplicated on my credit report. The Pilot is showing up as two separate accounts reporting the same information. I have filed numerous disputes sent emails and have attempted to reach someone at *** to correct the issue with an AUD. Rather than investigate my claims UCF is reporting back to the bureaus that the information is accurate. The actual information for the Pilot and the payment history is correct however they are reporting it twice as TWO separate accounts. I have one paid in full account and one open account. As of this date my credit report is showing one paid in full and two open

    Business Response

    Date: 07/30/2024

    Within the past week, UCF received your disputed via E-Oscar and replied to the credit bureau to delete the alleged duplicate account. 

    Customer Answer

    Date: 07/30/2024

    Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

    The business claims to have deleted a duplicate account however the update on the credit bureaus shows that has not happened. 

    Business Response

    Date: 08/05/2024

    As previously stated, UCF replied to the credit dispute to delete the duplicate report. UCF cannot control how long it takes for the credit bureaus to update your credit report. 

    Customer Answer

    Date: 08/06/2024

    Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

    [I spoke with representative at experian and they have not received any information regarding the deletion of this duplicate file

    Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

    FAQ

    Regards,

    *******

     

     

  • Initial Complaint

    Date:04/24/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 purchased the car December 2023 I've been making payments every month on time till now April 2024 next payment is due May ****************************************************************************************************** that they don't see any reporting to the credit bureaus from United Consumer Finance I purchased this car, I've been paying on monthly never missed a payment, I called United consumer finance ask them why they not reporting my on time payments they say they report to Experian the business I'm working with pull my credit report from Experian they have no record of my payments,they are frauding me telling me they're reporting they are not. I have come to understand, small car dealerships name **** in ************ where I purchased the vehicle is getting the creditworthiness for them self, it's like Im paying on the car but someone else is getting credit for it there not reporting my payments to any of the 3 credit bureaus this need to be checked into it's not right that they're not reporting that I'm making my payments on time and need this to show for my credit rating for purchasing a home a new car or anything that I need.

    Business Response

    Date: 05/01/2024

    UCF Reply: UCF is currently reporting credit to Equifax. UCF recently switched systems and this has caused a delay with Experian validating our credit data. Once our data is validated, Experian will post all credit activities, in its entirely, to your credit bureau. That said, UCF will post a manual update to your credit file today to show your excellent payment history. 

    Customer Answer

    Date: 05/01/2024

    Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint w

    [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

    Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.

    FAQ

    Regards,

    ****

     

     

  • Initial Complaint

    Date:03/29/2024

    Type:Order Issues
    Status:
    Answered
    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 am not liable for this **** with charter communications, I do not have contract with UNIT CON FIN, they did not provide me with the original contract as i requested.

    Business Response

    Date: 03/29/2024

    This complaint was sent to the wrong company. A search of our data base shows no records for the customer's name and social security number. If you still believe we are the correct company, please reply with an attachment of your vehicle's registration and/or Retail Installment Sales Contract so we can try to locate your account by the vehicles VIN #.

  • Initial Complaint

    Date:02/13/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    Payment history reporting inaccurate Payments made monthly, though creditor never solidified official due dates, circulated statements, or posted ready access payment progress

    Business Response

    Date: 02/15/2024

    ****************,
    United Consumer Finance (***) has accurately reported your payment history to the credit bureaus. To refresh your memory, we have attached a copy of your payment history and a copy of the Notice of Charge off that was mailed to you on 11/29/22. Furthermore, if you feel your credit was not reported accurately, wed recommend filing a dispute through the credit bureaus, rather than the BBB.
    ***

  • Initial Complaint

    Date:02/02/2024

    Type:Order Issues
    Status:
    Answered
    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 am not liable for the debt with United Consumer Finance. I do not have a contract with United Consumer Finance; they did not provide me with the original contract I requested.

    Business Response

    Date: 02/05/2024

    *** was unable to locate your name in our system. We believe this may have been sent to the wrong company? United Consumer Finance, Inc. only finances motor vehicle purchases. The company you may be looking to locate could be United Consumer ********* Services?

  • Initial Complaint

    Date:01/12/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 am filing a complaint as the business has advised they will be incorrectly reporting to the credit agencies for my account being past due, however, this is not correct. The company is advising that my car loan is over 30 days past due. I advised them that the car was totaled out and that the insurance company would be contacting them. The finance company told me that a payment would need to be made by 1/12/2024 in order to avoid reporting a late payment to the credit agencies. My insurance carrier contacted the loan company on 1/9/2024 and advised a payment would be sent, On 1/11/2024, a check was mailed to the loan company in the amount of the total loan. Collections manager, ******* x314 advised that although the loan had been paid and a copy of the check that was in the mail could be provided, they still transferred my account to collections.

    Business Response

    Date: 01/12/2024

    *** has not received the total loss settlement check from the insurance company and the customer has not made a payment in 30 days. At the time she filed this complaint, *** had no ability to stop a negative credit reporting. *** has since contacted our 3-rd party operating system, and they were able to create a patch that allows *** to stop credit reporting on an individual basis. The customer was called and notified that this should no longer report as a negative on her credit.

  • Initial Complaint

    Date:10/13/2023

    Type:Billing Issues
    Status:
    Answered
    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 opened a fraudulent account for someone using my ss# with a different name and address. They did not do theyre due diligence in checking that persons information. It appeared as a red flag on my credit report. When I called them they acknowledged my ss# and said they dont have records of the person whose name I gave them or the address, THATS THE WHOLE POINT!!! When someone uses your ss# and gives conflicting information youre not supposed to approve a loan. They also acknowledged the account # that I gave them which means there is an actual account out there with my ss#attached to it. The woman on the phone took a while to get back on the phone with me after acknowledging the report was in fact correct and then proceeded to deny deny deny saying nothing matches with my name. THATS exactly why its called fraud. I believe this whole organization is fraudulent if they cant even check to see if all the information matches before opening an account. I will be contacting my local police department, federal trade commission,IRS, and ss office to report their activity.

    Business Response

    Date: 10/16/2023

    United Consumer Finance has no record of this individual in our system as an existing or prior customer..

    Perhaps he has *** mixed up with a different lender, like United **************** or United Consumer Financial (this happens often).

United Consumer Finance, Inc. is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

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

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.