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:10/16/2024

  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.

  I started in may because a friend of a friend told me about it . She made it seem like she would be my ***resentative but did not assist in the process although multiple attempts to reach her .she would just say to call customer service . As soon as i signed up they sent dispute letters and didnt even bother to ask if i needed to dispute anything or what was the situation . I followed her directions and the letters were sent she said we would take it from them . 6 months later and 99 payments each month plus 300 sign up fee and my credit is not at all changed . I called today and spoke to a *** that refused to accept my claim that no one reached out to me . I dont know anything about credit and figured i would hear from someone . Someone called and said they sent another round of letters didn't request a call back or say they needed anything from me she said the needed me to pull something to proceed if not nothing would happen but no one informed me and just semt another round of letters . I only recieved generated add emails no one called me or wrote an email to say they needed to talk to me . Over a grand later my credit has not made no improvements , i didnt get the guidance or even speak to anyone as i was promised at the beginning. I think this company only want to take ur money and they dont care about what there actaul compromise is.

  Business Response

  Date: 10/28/2024

  Thank you for notifying us of the complaint submitted by ***** Corado ***** regarding their experience with United Credit Education Services (UCES). Below is a detailed outline of the customer's enrollment and service history:
  Enrollment and Initial Communications:
  The customer enrolled in our ******************** on July 6, 2024. Upon enrollment, they received multiple communications via email and SMS confirming their enrollment and were also provided a link to schedule a personalized consultation call with a **************** Representative (CSR) at their convenience. Despite numerous reminders, the customer never scheduled the consultation.
  Activation and Service Education:
  On the same day of enrollment, the customer activated our ********************** restoration services and pulled their credit report. After activation, we sent educational emails informing the customer of the next steps in the process. Over time, additional educational emails were also sent while the customer was active with our ********************.
  Follow-Up Communication and Voicemails:
  On September 9, 2024, an outbound call was made by our UCES Customer Support team to update the customer on the progress made and to provide an opportunity for them to ask questions or request assistance. The customer did not answer, so a detailed voicemail was left explaining the next steps needed from their side and encouraging them to call back during business hours.
  On October 3, 2024, another call attempt was made, which also went unanswered. A second voicemail was left explaining the situation in detail.
  Dispute Letters and Profile Updates:
  During the customer's active period, two rounds of dispute letters were mailed on their behalf. In addition, several emails and text message notifications were sent requesting the customer to log into the ********************** portal and update their credit profile to track progress. Unfortunately, no actions were taken by the customer despite these communications.
  Final Contact and Cancellation:
  On October 16, 2024, the customer contacted us, and a full review of their account and the steps taken was provided. This included details of all previous communications, dispute letters, and progress made on their account. Per the customer's request, their account was canceled on the same day.
  Although the customer has made significant progress during their time with us, they did not take the necessary steps to update their account. However, we are happy to extend an offer for a personalized consultation call to review their account and provide further guidance on improving their credit profile. The customer can schedule this consultation by contacting UCES Support at ************************************* specifying a convenient time and date.
  Regarding the refund request, we regret to inform you that no refund can be provided as full services were rendered during the customer's active period.

• Initial Complaint

  Date:08/20/2024

  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.

  The agency made false claims of removing negative items on credit. In reality, they only disputed them, which left them unresolved.

  Business Response

  Date: 08/27/2024

  We appreciate the opportunity to respond to the complaint I filed by **************** regarding her experience with United Credit Education Services (UCES). We take all customer feedback seriously and would like to provide clarification on the situation.
  **************** enrolled in our services on June 02, 2021, and remained active until August 2021. During the three months of her active enrollment, UCES provided two rounds of dispute letters, which records indicate were downloaded by ****************. In addition to these dispute letters, **************** also activated the *************************** and received multiple email communications from UCES regarding the services available to her.
  We attempted to contact **************** several times by phone to assist her further, and voicemail messages were left. Additionally, **************** was instructed to mail back six credit reports that she should have received from the credit bureaus in order to update her credit profile. Unfortunately, our records show that no updated reports were received.
  It is important to clarify that UCES does not promise to remove negative items from credit reports. Our services are focused on disputing erroneous and obsolete information, as clearly explained in our customer portal. We believe this process was communicated effectively to **************** during her time with us.
  On March 6th, 2024, **************** contacted UCES again, expressing interest in re-enrolling in our services. During this interaction, she was informed about the re-enrollment process and indicated that she would call back to reactivate her account.
  Regarding the payment discrepancy mentioned in the complaint, **************** did not pay $1110 for the three months she was active with UCES. The correct total amount paid was $366, which includes an initial payment of $188 for enrollment and two additional monthly payments of $89 each.
  As a gesture of goodwill, UCES would be more than happy to offer **************** a free personalized consultation call. During this call, we would fully review her credit profile and provide necessary recommendations to help her improve her credit standing.
  We hope this clarifies the situation and demonstrates our commitment to customer service. Should you require any further information or assistance, please do not hesitate to contact us.
  Thank you for your attention to this matter.
  

  
  

• Initial Complaint

  Date:07/03/2024

  Type:Product Issues
  Status:

  UnresolvedMore 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 name is ****************************** I need a refund for my cancel service account email ending in ************************** and send me a check to *********************************

  Business Response

  Date: 07/16/2024

  Customer ***************************** enrolled in the ********************** on May 30, 2020. She was active for only two months, with the second payment made on July 1, 2020. **************** authorized the payment via email on June 10, 2020. During her two active months, she received dispute letters and a bundle of other services, including activating the ************************** on May 30, 2020. On June 4, 2020, **************** requested additional inquiries to be disputed, which were subsequently added to the dispute letters.
  The company should have received three credit reports, one from each bureau, which **************** should have received back from the credit bureaus, but the UCES never received them. The last communication from **************** was on June 10, 2020. Despite several attempts by our customer support team to contact her, there was no response.
  After four years of inactivity, on May 20, 2024, **************** emailed the company requesting a full refund. A follow-up call was made to address her concern, but there was no response. A detailed voicemail was left by the management team in an attempt to resolve the issue, but **************** did not return the call.
  However, we value our customers' satisfaction and want to assist in any way we can. We would be happy to offer a complimentary consultation call with one of our credit experts to review ******************** current credit profile and discuss potential strategies to improve her credit standing. Our goal is to provide valuable guidance and support.
  Please let us know a convenient time to schedule this consultation call. We are committed to helping **************** achieve her financial goals and look forward to assisting her.

  Customer Answer

  Date: 07/16/2024

  I want a refund.

• Initial Complaint

  Date:06/19/2024

  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.

  My name is ******************************* I need a refund for my cancel service account email ending in *********************** and send me a check to *********************************

  Business Response

  Date: 07/01/2024

  Customer ******************************* enrolled in *************************************** on November 29, 2019. He received several email notifications about his account. On December 2, 2019, ******************** had a phone conversation with a UCES customer support representative, who explained all products and services in detail. ******************** remained active for two months. During this period, he received three rounds of dispute letters and activated the Identity Monitoring Service.
  On December 3, 2019, ******************** spoke with another UCES customer support representative and was offered further assistance regarding an inquiry he had made via email. At that time, notes on the account indicated that ******************** was satisfied with the outcome provided.
  On December 30, 2019, when his second-month payment was due, ******************** sent an email requesting that the payment date be extended to January 1, 2020. This request was honored, and he received an email confirmation of the extension. ******************** followed up with another email, requesting to extend the payment date from January 1, 2020, to January 31, 2020. Despite the second request effectively waiving the second month's payment, the company honored his request and notified him of the change.
  ******************** had numerous phone conversations with customer support representatives, during which his questions were addressed, and he was provided with a clear roadmap for improving his credit profile. During his enrollment, several of his accounts were removed, and significant progress was made.
  ******************** has been inactive since February 2020. Although he has been inactive for over four years, UCES is pleased to offer him a free personalized consultation call to discuss his recent credit profile and provide further assistance to help him reach his goals.

  Customer Answer

  Date: 07/01/2024

  I like a refund. 

  Business Response

  Date: 07/11/2024

  We regret to inform you that, due to our policy, we are unable to provide a refund for services rendered, especially given the four-year period of inactivity. This policy is in place to ensure fairness and consistency for all our customers.
  However, we value your satisfaction and want to assist you in any way we can. We would be happy at any time to offer you a complimentary consultation call with one of our credit experts to review your current credit profile and discuss potential strategies to improve your credit standing. Our goal is to provide you with valuable guidance and support.
  Please let us know a convenient time for you to schedule this consultation call. We are committed to helping you achieve your financial goals and look forward to assisting you further.

  Customer Answer

  Date: 07/14/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  Why  I cant be refunded?
  Why  I cant be refunded?
  Regards,
  
  *******************************

• Initial Complaint

  Date:09/22/2023

  Type:Order 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.

  I joined this company through an agent and have been misled about the company and their practices. I was doing my own credit repair and was told that this company does it for you. Sending out letters on your behalf, offering lawyer services, etc. The consumer has to do their part. I did my part. Letters sent out. No response. transunion says "doesnt look like you" I sent letters again myself with valid ID, waiting. No response from Experian or Equifax. My BK was deleted because it aged off. Nothing has changed. Even credit bureaus dont show any open disputes on my file. Now I am being told to call in. I asked BEFORE signing up what sets this company apart from doing it myself or another company. I was promised a refund if nothing changed. Of course almost 500 dollars later, the back tracking is happening. The agent and the company falsely represented themselves to get me to join. Suddenly half way through the process my account changes to my having to send out letters on my own. The company encourages you to send out letters with tracking but when I asked for my own tracking to have a leg to stand on with the credit bureaus, they say they sent them but with no tracking. The website says otherwise. I was offered a free month going forward. How convenient. I was told that I could get a refund and I want the company to make good with that promise. I get ***** taken every month for nothing. This is so disappointing that I was promised so much but what this is a fancy website with Vantage scores and templates that lend more to DO IT YOURSELF. Yet with a ***** price tag.

  Business Response

  Date: 10/11/2023

  This customer was fully refunded on 9/22/2023. Even though this customer was enrolled on 6/13/2023 and we have sent 2 rounds of dispute letters and customer did not follow the recommended steps regarding the services. This customer had results in one of *********** and that is the only report we received from the customer. We should have had 6 reports in total. This customer was even offered free service and a personalized consultation call, which customer never took advantage of. 

  Customer Answer

  Date: 10/23/2023

  Hi, the complaint is considered closed and satisfied. I was issued a full refund. Sorry for the delay! 

• Initial Complaint

  Date:05/21/2023

  Type:Customer Service Issues
  Status:

  UnansweredMore 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.

  No results, highly expensive, no communication from the business throughout the process. They dont care and seem bothered when you call. Disputes didnt work. Waste of money. Out 400 dollars.

• Initial Complaint

  Date:05/20/2023

  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.

  From February 2021-October 2021 the UCES was misleading with about the service they provide . I was paying $89 monthly but not getting any results . They charge you but dont do anything .

  Business Response

  Date: 06/20/2023

  The customer was provided with a full refund. 

  Customer Answer

  Date: 06/23/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  Eureka *******

• Initial Complaint

  Date:03/04/2023

  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.

  Signed up for this service in 2021 and was given nothing but false information and a lack of results. I signed up to receive credit repair and never got any results at all and when I asked to cancel I was told that was fine and I wouldnt be charged anymore. Only recently find out that this company never return payment to ****** and now I have yet another collection because of it

  Business Response

  Date: 03/24/2023

  This customer has been Inactive since September 2021.

  Customer joined ******************** in August 2021 and only made 1 payment. During the 1-month period that the customer was active the company sent to the customer the first round of dispute letters and several emails letting the customer know what the next step of the process should be. The customer never contacted the company regarding any dissatisfaction or concerns they had. Being active for 1 month only there was no recommended guidelines that customer followed. We are willing to assist with a personal consultation call and assess customer ********************** file by providing recommendations to help her free of charge.

• Initial Complaint

  Date:02/16/2023

  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 join *** to fix my credit over 3 years ago. I would like a refund. I still have bad credit. Ive been mostly unemployeed from the start of the Covid 19 pandemic.

  Business Response

  Date: 03/01/2023

  This customer has been inactive for nearly 2 years.
  Customer joined ******************** on 2/**/2019 and canceled after 3 months. They called the company again in 2/8/2021 and wanting to rejoin their services has been inactive since 6/9/2021. During the 4 months that customer was active they never contacted the company regarding any questions or problems they had with the services. Customer received 3 rounds of dispute letters and never followed the guidelines that were recommended by the company. We are willing to assist with a personal consultation call and assess customer ********************** file by providing recommendations to help her free of charge.  

• Initial Complaint

  Date:08/06/2022

  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.

  This is credit service to help increase score this never happened I paid 3 months and nothing happened score stayed the same the person who signed me up stated complaints had been filed I was to get a refund now they trying to collect more money again I want a refund for services they did not provide at all

  Business Response

  Date: 08/16/2022

  Complaint ID ******** for customer ********* Del ***** has been resolved. We contacted the customer and issued a full refund.