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:06/30/2025

  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.

  I signed up for a 24-month 0% interest promotional offer with the understanding that the balance had to be paid by 6/1/2025. I made three payments in May 2025 to meet that deadline. To my surprise, I was charged over $1,000 in interest due to a $19.50 late fee from the first payment—something that was not disclosed as compromising the promotional agreement nor was it reflected in the remaining balance when I created the additional payment. Based on what was shown and the additional payment, the remaining balance was shown as paid off. I acted in good faith and should not be penalized due to poor communication and confusing disclosures. I request that this interest charge be removed.

  Business Response

  Date: 07/08/2025

  Thank you for allowing Universal Account Servicing, LLC ("UAS") to address this matter. UAS has since engaged with *** ******* to reach a resolution regarding her Account. *** ******* has satisfied the remaining principal balance on her Account. UAS has waived all interest and her Account is now closed as Paid in Full. As such, we consider this matter resolved.  

• Initial Complaint

  Date:06/04/2025

  Type:Order 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.

  Universal Account Services (UAS) was not licensed in California to issue consumer loans when it funded my transaction, rendering the loan null and void under California law. Additionally, ********* *** *** knowingly used my Oregon billing address on the loan application despite my residency and receipt of services in California—another predatory tactic.
  
  On May 26, 2023, I financed $5,500 through UAS under a 0% interest promotion if the balance was paid in full by May 26, 2025. On August 25, 2024, the credit card on file expired; I promptly resubmitted payment on September 2, 2024—within UAS’s 10-day grace period. UAS nevertheless canceled the promotional rate and retroactively applied a 23.99% interest charge to the entire balance. UAS’s online portal also refuses early autopay, preventing any timely resolution and effectively trapping customers in this unjust interest scheme.
  
  I submitted two dispute letters: the first on March 17, 2025 (to which UAS refused to remove the interest), and the second on April 7, 2025 (which received no response). On June 2, 2025, I spoke with a UAS representative and requested a supervisor callback; none was ever received. Despite these obstacles, I repaid the full loan before the May 26, 2025 due date.
  
  *********** misrepresentation of my billing address combined with UAS’s lack of a California lending license constitutes predatory lending practices. I have maintained an excellent credit history and fully complied with all terms of the agreement.
  
  I respectfully request that the Better Business Bureau compel UAS to remove the unjust 23.99% interest charge and address these predatory practices. Copies of both dispute letters and supporting documentation are attached for your review.
  
  Thank you for your prompt attention to this matter.

  Business Response

  Date: 06/20/2025

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account *** ****** opened to finance her purchase from ********* ******* ****** **** ************).

  By way of background, *** ****** entered into a Retail Installment Credit Agreement (the “Agreement”) with ********* on May 26, 2023. Please note, *** ******** Agreement is not a consumer loan, rather a Retail Installment Sales Agreement, and UAS is not a lender or creditor on *** ******** Account. UAS does not engage in direct lending to consumers in any state. As such, we do not meet the requirements to maintain a California Financing Law License, or similar lending licenses in other states as applicable. Further, *** ******** Agreement is governed by California law as, to her point, the Agreement was entered, and services were rendered, in California.

  Upon entering the Agreement, *** ****** made a purchase (or charge) to her line of credit. The purchase was eligible for a Special Promotional Financing Offer where no interest would be charged if the amount financed for the purchase was paid in full within the applicable promotional period. Details regarding the requirements of the Promotional Offering were disclosed in *** ******** Charge Slip. “If you do not pay the full balance of the amount financed for this purchase, interest will be charged from the date of delivery at 23.990% APR (Annual Percentage Rate). Minimum or fixed monthly payments are required.”  Copies of the Agreement and Charge Slip are provided with this response.

  Details regarding the requirements of the Promotional Offering and the total amounts of deferred interest were also disclosed to *** ****** on her monthly billing statements. “Your promotion plan(s) expiration date(s) may differ from your payment due date. To avoid Total Deferred Interest charges, pay your Minimum Payments Due on-time each month and your Balance Subject to Deferred Interest by the promotion expiration date.” A copy of *** ******** July 31, 2024 billing statement is provided with this response.

  *** ******** July 31, 2024 billing statement details the remaining balance on her purchase, the total amounts of deferred interest charges as of that statement, and her August 25, 2024 Payment Due Date. *** ******** automatic recurring payment ran on August 25, 2024 was declined as the associated payment method had an invalid expiration date. UAS sent *** ****** electronic alerts on July 1st, 5th, 10th, 15th, 20th, and 25th, 2025 informing her our records indicated her payment method’s expiration date was nearing. UAS sent *** ****** electronic alerts on August 26th and 29th, 2024 informing her that her payment declined and of the past due status of her Account. UAS attempted outbound calls to *** ****** on August 28th, 29th, and 30th, 2024. However, *** ******** August payment was not received. On September 1, 2024, all deferred interest for her purchase was then charged to her Account.

  To summarize, UAS is not a lender or creditor on *** ******** Account and is not required to maintain a California Financing Law License. Although an Oregon address was used at the time of application, *** ******** Agreement is governed by the state of California. UAS notified *** ****** numerous times regarding the upcoming expiration of her payment method associated with automatic recurring payments. Further, UAS attempted communications to *** ****** at least 5 times after her payment declined to facilitate a payment and prevent the termination of her promotional offering. However, *** ******** August 25, 2024 payment was not made on time. She did not meet the terms of their Promotional Offering; thus, all deferred interest was then charged to her Account. Considering the above information, we believe UAS followed its standard business procedures with the above matter.

  Business Response

  Date: 07/07/2025

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address *** ******** supplemental response.
  
  In response to “1. Misrepresentation of Terms I Agreed To”, *** ******** Retail Installment Credit Agreement (the “Agreement”) clearly discloses that the specific terms of Special Promotional Financing Offers are detailed on the applicable charge slip for a given purchase. Within SECTION II: RATES, FEES AND PAYMENT INFORMATION subsection Special Promotional Financing Offer Information of the Agreement it states, “At times, we may offer special promotional financing offers for certain transactions (“special promotions”). The terms of this Agreement apply to any special promotions. However, the terms of any special promotions that are different than the terms in this Agreement (if any) will be explained on your charge slip.” Within SECTION III: TERMS AND CONDITIONS subsection Special Promotions. of the Agreement it states, “The terms of this Agreement apply to any special promotion. However, any terms of any special promotion (if any) that are different than the terms in this Agreement will be explained on the charge slip for a qualifying purchase(s).”
  
  Again, we believe *** ******** Agreement clearly disclosed that details or specific terms relating to a Special Promotional Financing Offer would be explained on the applicable charge slip. As detailed in our previous response, the terms of her purchase, including requirements for monthly payments, were detailed on the one-page charge slip initialed and signed by *** *******
  
  In response to “2. Lack of Transparent Notification”, relevant disclosures and terms were disclosed in *** ******** Agreement and charge slip, as detailed above and in our initial response. Additional details relating to the requirements and status of her Special Promotional Financing Offering were disclosed to *** ****** in required monthly billing statements, as detailed in our initial response. While UAS may send electronic alerts to borrowers in an effort to ensure their Account stays in a Current status, we are under no obligation to send individual alerts regarding various terms or disclosures provided within Agreements and/or charge slips via email, unless required by law.
  
  We believe the terms of *** ******** Special Promotional Financing Offer were disclosed to her appropriately. Numerous electronic alerts were sent to *** ****** in an effort to keep her Account in a Current status. UAS is not required to send these alerts but does so as a courtesy. Still, *** ******** monthly payment was not received on time.
  
  In response to “3. I met the Stated Conditions”, we believe the requirement for monthly payments to be received timely were disclosed to *** ****** appropriately. Numerous alerts and communications were made to *** ****** to resolve her Account prior to the termination of her Special Promotional Financing Offer. Her Account was not resolved, and interest was applied from the date of delivery. Further, UAS is under no obligation to offer a grace period for missed payments as it relates to Special Promotional Financing Offers. *** ******** Agreement clearly defines a Late Payment Fee with a 10-day grace period, “If all or any portion of a payment is not paid within 10 days of its due date, you will be charged a late charge of $10.” *** ****** was not charged a Late Fee per the terms of her Agreement.
  
  In response to “4. Predatory and Unfair Practices”, we believe the above and our previous response detail that UAS appropriately disclosed required terms and conditions. UAS allows the convenience of enrolling in automatic recurring payments to be processed on *** ******** due date each month. As previously detailed, UAS notified *** ****** numerous times regarding necessary action to ensure automatic recurring payments continued. Further, UAS offers other methods to make payments. One-time payments can be made through our online portal, over the phone with a UAS Agent, or by mailing in a check. *** ****** failed to keep her Account in a Current status and her Special Promotional Financing Offer was terminated.
  
  Considering the above information, we still believe UAS followed its standard business procedures with the above matter. *** ****** failed to make her monthly payment on time. She did not meet the terms of her Promotional Offering; thus, all deferred interest was then charged to her Account.

  Customer Answer

  Date: 07/15/2025

  
  
  Complaint: ********
  
  
  
  Thank you again for the opportunity to respond.

  I respectfully maintain that the terms cited by UAS from the so-called “charge slip” were not part of the binding agreement I reviewed or signed when entering into the Retail Installment Credit Agreement. Their response only further confirms the core issue: UAS relies on shifting critical financial terms—such as retroactive interest penalties—to a secondary document that was presented only after the agreement was signed. That document is internally inconsistent, confusing, and not a valid basis for assessing such severe penalties.
  
  UAS claims that the charge slip contained clear disclosures regarding the loss of the promotional rate. However, the charge slip I received—after the main contract was signed—was internally contradictory and misleading:
  - At the top of the document, it states:
  “Late Payment Warning: If all or any portion of a payment is not paid within 10 days of its due date, you will be charged a late charge of $10.”
  This language implies that the consequence of a late payment is a $10 fee—not retroactive interest exceeding $1,500.
  - Further down in small print, it reads:
  “PROMOTION PLAN NOTICE: Your promotion plan(s) expiration date(s) may differ from your payment due date. To avoid Total Deferred Interest charges, pay your Minimum Payments Due on-time each month and your Balance Subject to Deferred Interest by the promotion expiration date.”

  This vague, conditional language does not clearly explain that a single missed or declined payment—even if corrected within the 10-day window—automatically voids the promotional rate and triggers retroactive interest.
  If UAS intended to impose that severe of a penalty, it had a duty to state that clearly and unambiguously in the original contract or in a clearly disclosed and signed addendum. It did not.
  
  UAS’s courtesy notices never once warned me that a declined payment would forfeit the promotional offer and apply backdated interest. Had I received such a notice—even one—I would have resolved the issue immediately and escalated if needed. A clear, timely warning such as:
  “Your promotional rate will be canceled and interest will be applied from the date of purchase unless payment is received by [date],”
  would have easily prevented this outcome. No such notice was provided.
  I corrected the declined payment on September 2—within their clearly stated 10-day period—yet was still penalized with an absurd charge. This is neither reasonable nor transparent.
  
  The original agreement stated that no interest would be charged if the full balance was paid by May 26, 2025. I did exactly that.
  A single declined automatic payment—corrected promptly—should not undo two years of good-faith payments and result in a retroactive penalty totaling more than $1,500. Especially not when the charge slip UAS relies on contradicts itself and fails to clearly disclose that risk.
  
  This is not an isolated case. Numerous public complaints support a broader pattern of:
  - Confusing and hidden terms,
  - Retroactive interest charges imposed with little or no notice,
  - Opaque online systems that make resolution difficult.
  For example:
  - The BBB lists over 60 complaints, many citing billing and interest disputes.
  - Reddit users describe UAS as “predatory” and “deceptive,” citing issues nearly identical to mine—retroactive charges after technical errors or unclear terms.
  - A Trustpilot reviewer wrote:
  “They backcharged interest from months ago with no clear notice. I had no idea I was being penalized until it was too late.”
  These patterns mirror my experience and reinforce that UAS operates in a manner designed to confuse borrowers and profit from technicalities.
  
  I respectfully request that:
  -UAS remove the 23.99% retroactive interest that was improperly applied despite my full and timely repayment by the promotional deadline;
  -UAS remove all late fees that have since been assessed in connection with this disputed balance;
  -UAS be held accountable for failing to clearly disclose material financial penalties, and for issuing a charge slip that contradicts itself and misleads consumers;
  -The BBB formally investigate whether UAS’s practices violate fair disclosure standards and consumer protection laws, particularly as they relate to post-signing term changes and predatory interest application.
  

  I complied with the explicit terms that were presented to me in the original agreement. UAS’s practice of applying retroactive and punitive charges through vague, confusing, and contradictory fine print—after the fact—is fundamentally unfair and should not be upheld.
  

  Thank you again for your time and attention to this matter.
  
  
  
  Sincerely,
  
  
  
  ******* ******

• Initial Complaint

  Date:05/08/2025

  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 bought the product on a 30 day trial.and when I tried to cancel they would not cancel contract.They called me and when I returned calls couldn't ever talk to anyone.I would get put on hold or get disconnected.

  Business Response

  Date: 05/20/2025

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account *** ********* opened to finance her purchase from Hotel Collection LLC (“Hotel Collection”).

  UAS is currently engaging *** ********* and Hotel Collection through open Support Ticket # 04195106. On May 19, 2025, Hotel Collection stated they had communicated with *** ********* on May 16, 2025 to assist her by providing a price reduction. Her Account balance was updated to reflect this reduction on May 19, 2025. However, UAS communicated with *** ********* directly today, May 20, 2025. *** ********* informed UAS that a partial reduction was not satisfactory, and that she wishes to cancel her Account in full.

  UAS is engaging Hotel Collection to push for this resolution. Please note, to close the Account, *** ********* will need to return any purchased products to Hotel Collection. Hotel Collection will provide *** ********* a shipping label to facilitate the return. She should monitor her open Support Ticket for details on how to return her products and finalize the closure of her Account, as well as for general updates regarding the status of her Ticket.

  Customer Answer

  Date: 05/21/2025

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ***** *********

• Initial Complaint

  Date:05/07/2025

  Type:Billing 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.

  *Universal Account Servicing, LLC*
  
  I paid off my bill before the promotional date. I checked immediately after and it showed zero owed. I checked a couple different times a few days after and it still said zero. Based off of this and based off of me diligently paying every month for both accounts I’ve had in the past years, with zero issues, I need someone to rectify this. Now I’m being told $1.90 interest was accessed after I paid the full amount?? and now I have to keep paying. Seriously?? $1.90???! I need someone to call me now to rectify this as I paid what the system told me to pay. UAS has never had an issue with me paying. Thank you

  Business Response

  Date: 05/20/2025

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account *** ******** opened to finance her purchases from ********* *** *** *************.

  By way of background, *** ******** entered into a Retail Installment Credit Agreement (the “Agreement”) with LaserAway on October 19, 2021. Subsequently, two purchases (or charges) to that line of credit were made on October 19, 2021 and April 18, 2023, respectively. Both purchases were eligible for a Special Promotional Financing Offer where no interest would be charged if the amount financed for the purchase was paid in full within the applicable promotional period. Details regarding the requirements of the Promotional Offering were disclosed in *** ********’s Charge Slips. “If you do not pay the full balance of the amount financed for this purchase, interest will be charged from the date of delivery at 24.990% APR (Annual Percentage Rate). Minimum or fixed monthly payments are required.”  Copies of the Agreement and Charge Slips are provided with this response.

  Details regarding the requirements of the Promotional Offerings and the total amounts of deferred interest were also disclosed to *** ******** on her monthly billing statements. “Your promotion plan(s) expiration date(s) may differ from your payment due date. To avoid Total Deferred Interest charges, pay your Minimum Payments Due on-time each month and your Balance Subject to Deferred Interest by the promotion expiration date.” A copy of *** ********’s April 7, 2023 and May 7, 2023 billing statements are provided with this response.

  *** ********’s April 7, 2023 billing statement details the remaining balance on her initial purchase, the April 20, 2023 expiration date of her promotional offering for that purchase, and the total amounts of deferred interest charges as of that statement. *** ******** did not pay the remaining balance for her initial purchase by the April 20, 2023 expiration date; thus, all deferred interest for that purchase was then charged to their Account. Please note, *** ******** also received an electronic alert on April 10, 2023 regarding the upcoming expiration of her promotional term.

  *** ********’s May 7, 2023 billing statement details the transaction of deferred interest charged to her Account, as well as her second purchase on April 18, 2023. The terms of the promotional offering for her second purchase were also provided on her monthly billing statements, including the April 8, 2025 expiration date.

  As of April 8, 2025, *** ******** had not paid the remaining balance for her second purchase; thus, all deferred interest for that purchase was then charged to her Account. *** ******** did make a payment on April 8, 2025 in an effort to pay off the balance of her second purchase in full. However, the payment was applied per the terms of her Agreement, first to interest on her initial purchase then to the principal balance on her second purchase. This payment did not cover the remaining principal on her second purchase but would have if not applied to interest. Given this, UAS agreed to adjust *** ********’s payment application to cover the remaining principal balance on her second purchase, honoring the promotional offering for her second purchase.

  To summarize, *** ******** did not meet the terms of her promotional offering for her initial purchase and is obligated to pay any outstanding amounts related to that purchase. UAS allowed *** ********’s payment on April 8, 2025 to be applied in a manner outside of the terms of her Agreement so the promotional offering on her second purchase would be honored. Her second Charge Slip is closed as Paid in Full within the promotional period.

  We believe UAS followed its standard business procedures with the above matter.
  As of today, May 20, 2025, *** ******** has an outstanding balance of $570.77 associated with her first purchase.

  Customer Answer

  Date: 05/22/2025

  
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ********* ********

• Initial Complaint

  Date:05/01/2025

  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.

  I don't remember ordering anything or authorizing anything for this amount of money. I did order some things that I do remember but none for even close to that amount. This was on my Capital One card. It has nothing listed but Universal Account SerParkville, Mo. I don't know what it is for and if it is a subscription of some kind I certainly didn't and don't want it. It says it tool place on March 26, 2025, posted on March 27..If you could help me figure this out I would be most grateful.

  Business Response

  Date: 05/13/2025

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account *** ******* opened to finance their purchase from CP Online Ventures, LLC dba The Stonegate Firm (“Stonegate”). By way of background, *** ******* entered into a Retail Installment Contract (the “Contract”) with Stonegate on February 24, 2025. Subsequently, *** ******* entered an Automatic Payment Authorization to facilitate monthly recurring payment toward his Account. The Authorization details that payments of $310.62 from the payment method ending in 8497 would be processed monthly by UAS on *** ******* due date. A copy of *** ******* Contract packet is included with this response, containing both the Contract and Automatic Payment Authorization. If this Account was opened without *** *******' knowledge, we ask that he file a police report claiming identity theft and provide it to UAS via email at ************************* or via mail to **** *** *****, Attn: Compliance Department, Parkville, MO 64152. If he opened and is aware of the Account with Stonegate, we ask that he continue to follow the terms of his Contract.

  Business Response

  Date: 05/13/2025

  Apologies, as we failed to upload a copy of *** ******* Contract. Please see the attached. 

• Initial Complaint

  Date:04/05/2025

  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.

  I recently joined aroma 360 VIP 3/17 program and was told I can cancel my subscription within 30 days to avoid a 3 year contract. I canceled my subscription with aroma 360 on 3/25, mailed back their products which they received on 3/31. I have yet gotten confirmation from UAS that my account has been closed. Aroma 360 will not respond to my calls and emails and when they do they give me the run around stating they did process my cancellation and would be getting a confirmation from UAS my account was closed . I generated a cancellation ticket within UAS 4/2 and called them to make sure they knew I had canceled my subscription with aroma 360 they said my ticket would be addressed in 48 hours
  4/4 no one has called me back from UAS, never got a confirmation from aroma 360 for the canceled subscription
  I have a payment coming due 4/14 with UAS for merchandise I do not have since I mailed back on 3/25 and was recieved by aroma 360 in Miami on 3/31
  I just want my account to close as it was promised to do with no hassle if I was with in my 30 days
  I have emails from aroma 360 saying they processed my cancellation and yet no response from UAS
  I escalated my ticket 4/4 and am waiting for updates from company. Aroma 360 has been reported to BBB multiple times and I started a complaint on BBB for that company too
  I just want my account closed and my money refunded from aroma 360 as they say they “stated the refund process “ on 3/25
  I will be responsible for a 3 year contract because this company refuses to help me and said I have to contact merchant and the merchant (aroma 360) said they processed the request and it was approved but my account is still open with a bill statement starting on 4/14
  I just want my account closed within the 30 day window so I’m not responsible for a 3 year contract and this goes on my credit report

  Business Response

  Date: 04/17/2025

  Thank you for allowing Universal Account Servicing, LLC ("UAS") to address this matter. As of April 7, 2025, *** *******'s Account was closed in our office as a Product - Cancel or Return. *** ******* has no further obligations regarding her Account. Addtionally, she had made no payments toward her Account, thus is not due a refund. If *** ******* has any additional questions, we ask that she contact us by phone at 888-233-2302 or by email at [email protected]. 

• Initial Complaint

  Date:03/24/2025

  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.

  *** has failed to honor my Acceptance for Value to perform on the existing obligations of the principal, as instructed. As a shareholder in the estate of ***** ****, I have acted in good faith upon gaining a new understanding of consumer laws, the Truth in Lending Act, and the Federal Reserve Act. I exercised my shareholder rights to settle all outstanding debts via my security interest.
  
  However, *** rejected my lawful payment/performance and immediately shared or sold my personal and financial information to a third-party or fourth-party debt collector without my consent. Upon requesting full validation of the alleged debt, I received no response, and my account was illegally discharged during an active dispute.
  
  Under Section 16 of the Federal Reserve Act, all Acceptances for Value are legally valid, even if dishonored by the other party. The Bill of Exchange Act states that the only lawful way to discharge a debt is through acceptance, not Federal Reserve notes. I met my obligations, yet I was unfairly penalized by UGA Finance/***, which appears to operate under a DBA structure with affiliations to *** Trading Academy/Newport Exchange Holdings, creating conflicts of interest. These affiliations have resulted in denial of access to my credit accounts and the blocking of an approved loan with a designated credit limit.
  
  As a result, I have suffered severe mental, emotional, and economic distress and financial losses during a critical period of investment opportunity. ***’s failure to uphold fiduciary duty and noncompliance with federal financial laws has not only harmed me but also poses a broader economic risk to the public “We the People” and America.
  
  I request an immediate review and resolution, including reinstatement of my credit access and appropriate restitution. Failure to resolve this issue in accordance with federal law will result in further legal action to protect my rights as a shareholder and Consumer.
  
  Sincerely,
  ***** **** (ATTORNEY IN FACT)

  Business Response

  Date: 04/04/2025

  We are in receipt of *** ****** complaint and appreciate the opportunity to provide a response. For introduction purposes, Universal Account Servicing, LLC (“***”) was the third-party billing service provider for ******* ******** ********* **** ***** *** * ****** ********  *** provided third-party billing services from its principal location in Parkville, Missouri and is not affiliated in any way with ***, or any retail seller in which *** provides billing services. 
  
  By way of background, *** **** entered into a Retail Installment Credit Agreement (“Agreement”) with *** on December 29, 2023.   Subsequently, a purchase (or charge) to that line of credit was made on December 29, 2023. Pursuant to the terms of *** ****** Agreement, “payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States.” *** **** failed to submit a valid payment method per the terms of the Agreement. 
  
  Additionally, pursuant to the terms of *** ****** Agreement, *** ****** Account was considered in default for failing to make at least the minimum payment due for a billing cycle by its due date. As such, *** was permitted to pursue remedies outlined in the Agreement, including transferring the Account to a third-party debt collector. 
  
  Should you require anything further or have any questions or comments, or if you would like to further discuss this matter, please feel free to contact us at ************ or **************************
  
  

• Initial Complaint

  Date:03/19/2025

  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.

  Will pay balance as I have been. Will not pay int of 16% with accrued interest from 2023. No int is expiring. Will pay int of 16%. Will not pay accrued seems un ethical.

  Business Response

  Date: 03/28/2025

  Thank you for allowing Universal Account Servicing, LLC (UAS) to assist with this issue. For introductory purposes, Universal Account Servicing, LLC (“UAS”) operates as a third-party billing service provider for retail sellers such as ********* *** *** *************. UAS provides third-party billing services from its principal location in Parkville, Missouri, and UAS is not affiliated in any way with LaserAway or any retail seller in which UAS provides billing services.

  By way of background, *** ******* entered into a Retail Installment Credit Agreement (the “Agreement”) on June 21, 2020, to purchase services from LaserAway. Subsequently, four purchases (or charges) to that line of credit were made. Per the terms of the Agreement and executed Charge Slips, minimum monthly payments were required to maintain her Promotional Offerings. As noted on the Charge Slips under the “NOTICE – SPECIAL PROMOTIONAL FINANCING OFFER” section, “You understand that this is a Special Promotional Financing Offer in which interest is DEFERRED for the promotional period only. Failure to pay the amount financed for this purchase by the end of the promotional period will result in interest charged from the delivery date being applied to your account balance. This IS NOT a No-Interest Purchase. MINIMUM MONTHLY PAYMENTS ARE REQUIRED.”

  Details regarding the requirements of her Promotional Offerings and the total amounts of deferred interest were disclosed to *** ******* on monthly billing statements sent to *** ******* via electronic mail to the email address associated with her Account, “To avoid Total Deferred Interest charges, pay your Minimum Payments Due on-time each month and your Balance Subject to Deferred Interest by the promotion expiration date.” Copies of the Agreement, Charge Slips, and monthly billing statement are provided with this communication.

  Considering the above information, we believe UAS followed its standard business procedures in the above matter and the deferred interest was assessed pursuant to the terms of the Agreement and subsequent charge slips.

  Should you require anything further or have any questions or comments, or if you would like to further discuss this matter, please feel free to contact our office.

• Initial Complaint

  Date:02/28/2025

  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.

  In Feb. of 2025 I processed an in full payment with UAS or Uportal360 in the amount of 4457.92 in an attempt to close the loan. The payment cleared the bank on Feb. 21st. I received an email from UAS stating the payment was rejected due to NSF. This was a mistake, I confirmed with my Bank what I was seeing in my online account that the money cleared the bank on Feb. 21st. I have spent hours on the phone trying to get this resolved. There is no urgency on their part and initial conversations with UAS customer relations were not helpful. I had to yell to get to another person and was given an email address to send a screenshot. Apparently, the proof of payment falls on me. I emailed them a screenshot because statements for Feb have not been sent out. I was told they will research it and get back to me. When? Don't know. They couldn't say. I don't know if I'm number 400 or number 2 in line. This is a huge red flag that a financial institution can mishandle a 4400 payment.

  Business Response

  Date: 03/13/2025

  Thank you for allowing Universal Account Servicing, LLC (UAS) to address this matter. After further review, it has been determined that the non-sufficient funds transaction on *** ****** Account was processed in error. The payment she made on February 20, 2025 has been honored. The related non-sufficient funds fee has been waived. *** ****** can view these transactions by accessing her Account online at uPortal360.com and selecting the Transactions tab. If *** ****** has any additional questions regarding her account, we ask that she contact us by email at *************************. 

• Initial Complaint

  Date:01/31/2025

  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.

  1. Unfair and Deceptive Practices (15 U.S. Code § 45 - FTC Act)
  
  If Uportal360 failed to process your automatic payment properly on Dec 16, 2024 and then wrote off the debt unfairly less than 30 days on 1-9-24, this could be considered an unfair or deceptive business practice.
  
  
  
  2. Fair Credit Reporting Act (15 U.S. Code § 1681s-2)
  
  If the company reported your debt inaccurately to credit bureaus, they may have violated credit reporting laws.
  
  
  
  3. Uniform Commercial Code (UCC) - Breach of Contract
  
  If you had an agreement for automatic payments and they failed to process it, this could be a breach of contract under UCC § 1-304 (Obligation of Good Faith).
  
  
  I talked to supervisor Brian who was very rude and disgusting. He kept telling me to contact the 3rd party debt collector who they sold the debt to unjustly not even 30 days.. The debt collector Omega did not have specifics of why UGA did not process the payment in December. I asked to speak to another supervisor and he refused. I am highly upset with the unprofessionalism and the deceptive practices of UGA and specifically B**** * ** ****** *** **** **me)

  Business Response

  Date: 02/17/2025

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account Mr. ******** opened to finance their purchases from RVB Investment Group, LLC dba Light RX Face and Body (“LightRX”).

  By way of background, Mr. ******** entered into a Retail Installment Credit Agreement (the “Agreement”) with LightRX on December 22, 2023. Subsequently, a purchase (or charge) to that line of credit was made. When entering the Agreement, Mr. ******** enrolled in automatic recurring payments with a payment method ending in 9804. A copy of Mr. ********’s Agreement packet, which includes his Charge Slip and Automatic Payment Authorization, are included with this response.

  In accordance with his Automatic Payment Authorization, payments were charged monthly to Mr. ********’s payment method ending in 9804 starting on January 21, 2024. On November 18, 2024, Mr. ******** removed his payment method ending in 9804 from his Account. As such, his Automatic Payment Authorization was terminated. Mr. ******** did not make a one-time payment, or enroll a new payment method in automatic recurring payments, by his monthly due date of November 21, 2024 and subsequently became delinquent on his Account.

  On December 2, 2024, Mr. ******** initiated a one-time payment of $75.00 from a bank account ending in 7396. However, on December 16, 2024, the payment was returned to UAS with a reason of “Non-transaction account”, indicating it was not an account designated to make payments.

  UAS engage* ******X on December 21, 2024 to inquire regarding Mr. ********’s delinquency. At *****RX’s request, Mr. ********’s Account was closed in our office and placed with a third-party debt collection agency, Omega RMS, LLC. Please note UAS does not currently furnish any data to credit reporting agencies.

  Given the above information, UAS believes it handled this matter in accordance with its standard processes. We would request that Mr. ******** direct any future inquiries regarding his Account to Omega RMS, LLC. They can be reach by phone at (8*** ******** ** ** ***** ** *****************************m.