ComplaintsforUnited Consumer Financial Services Company

• Initial Complaint

  08/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  this company is a finance company that EASY ADVOCATES uses to finance a supposedly time share relief!! this is complete fraud!! they have ruined my credit, i have tried to work this out with them telling them ** ADVOCATES is a scam, they have done nothing to help me they do not even answer the phone!! The agents @ this company are so rude!! when i express my worry & everything that is going on they do not care, they said they paid ***DVOCATES, ok? & i am sure they have a way to charge back or do something, they don't wanna help, yet they help you get scammed, robbed & lied to, I have tried everything and no one response or helps!, this is a complete SCAM form both companies. I need HELP.. I am a single mom & they truly have ruined me!! they have killed my credit for no reason!! They have ruined my credit & state i owe $8k for WHAT??

  

  Business response

  08/08/2024

  Dear ******** *******:

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on August 5, 2024. Please know that we take every customer concern very seriously,
  whether your concern is with our company or with the business from which you made your purchase.

  Our compliance department is reviewing your complaint. We may contact the merchant from which you
  made your purchase as part of the investigation. Please understand that while we work to resolve your
  concerns as quickly as possible, it may take some time for us to obtain information from the merchant.

  We will notify you when the investigation is complete.

  If you would like to reach out to us directly, you can reach our compliance team Monday – Friday, 8:30am
  – 4:30pm EST at *******************.

  Thank you for your patience while we complete our internal review.

  UCFS Compliance Department

  

  Business response

  08/09/2024

  Dear ******** *******:

  United Consumer Financial Services (“UCFS”) reviewed your complaint regarding your account with
  UCFS ending in ****.

  UCFS contracts with independent third-party merchants to purchase consumer contracts from merchants
  that sell products or services. UCFS then holds the consumer’s retail installment contract and services the
  debt used to purchase the product or service. ** ********* *** (“***”) is one independent merchant
  with which UCFS has a contractual relationship. *** like other merchants that UCFS works with, is not an
  agent, legal representative, or corporate affiliate of UCFS.

  According to our records, you signed a retail installment sales contract (the “Agreement”) for the
  purchase of timeshare relief services on April 18, 2024. The Agreement was between you and the
  independent merchant who sold you the timeshare relief service. UCFS purchased the Agreement,
  thereby, indirectly financing this transaction.

  UCFS contacted *** on your behalf regarding the progress of your timeshare relief case. According to
  the Director of Case Management at ***, they are providing services according to their service
  agreement between them and you. *** indicated that they are currently waiting for documents from
  you to proceed with finalizing your timeshare relief case and they have been in communication with
  you.

  UCFS maintains that it followed all applicable procedures in the opening and servicing of the above
  named account in accordance with applicable laws and regulations. Based on the information provided
  and the conclusion of our investigation, UCFS considers your payments due according to the terms of
  your financing agreement with UCFS. UCFS will re-evaluate should additional information be provided
  for review. Please note that your financing agreement with UCFS is separate from your service
  agreement with ***.

  If you have any further questions concerning the services you purchased from **, please contact **
  directly at ************ or Toll Free ************.

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  08/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  UCFS repeatedly reported me late on payments when I am not late. I have tried to call them and can not get a live person. I have left messages on my account portal and they erase them and do not respond. They have charged late fees several times when the account history clearly says they received the payment on the due date. Recently they said I was late for May 2024. My checking account shows payment on the due date. They credited my account two days after the due date and reported me late to Experian. I disputed it with experian and experian claims UCFS verified the information. I tried disputing with the Federal Trade Commission and they refuse to take it. What options do I have to force UCFS to report my account properly and stop damaging my credit report? I would sue them in court if I could but I can't afford an attorney.

  

  Business response

  08/09/2024

  Dear ******* ****:

  United Consumer Financial Services (“UCFS”) received your complaint filed with the Better Business
  Bureau. Thank you for the opportunity to respond to your concerns.

  UCFS denies your allegations that it has manipulated your payment due date and that it failed to
  properly apply your payments.

  UCFS reviewed the information that you provided and completed its investigation of your dispute. UCFS
  determined the credit reporting on your account is accurate based on the payment history. UCFS spoke
  with you throughout the account history regarding payment arrangements. You were notified of the
  delinquency and subsequent negative credit reporting by telephone call and USPS mail service. During
  one of the many conversations regarding the delinquency of your account, you acknowledged your
  account would remain delinquent because you were short on funds.

  In your complaint, you included three (3) attachments to support your payments were made on-time for
  the months of April, May, and June of 2024. Please note that your account delinquency was for the
  months beginning September 2023 through March 2024. On March 21, 2024, you brought your account
  up to date thus making your next monthly installment due April 2, 2024.

  According to our records, UCFS was responsive to your concerns by telephone call, electronic mail, and
  messages through the account portal.

  UCFS maintains that it followed all applicable procedures in the opening and servicing of your account
  ending in 1277 in accordance with applicable laws and regulations. UCFS will re-evaluate should
  additional information be provided for further review.

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  07/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was paying Safetax through this company united to resolve my IRS tax debt . Safe tax did nothing to resolve my tax debt although I paid them over $3000. When I received a bill from united , the money was being auto paid from my bank account. I called safe tax and confirmed they had not communicated with the ITS on my behalf . I talked to united to get a refund , they insisted I pay the remaining balance without any resolution for my tax . Then they put on my credit report

  

  Business response

  08/28/2024

  Dear ***** ********:

  United Consumer Financial Services (“UCFS”) received the complaint that you filed through the Better
  Business Bureau. Thank you for the opportunity to respond to your concerns.

  UCFS contracts with independent third-party merchants to purchase consumer contracts from merchants
  that sell products or services. UCFS then holds the consumer’s retail installment contract and services the
  debt used to purchase the product or service. ******* *** ****** (“STR”) is one independent merchant
  with which UCFS has a contractual relationship. STR like other merchants that UCFS works with, is not an
  agent, legal representative, or corporate affiliate of UCFS.

  UCFS contacted STR on your behalf regarding the progress of your tax relief case. According to Helen
  T*** Ba, Billing Specialist of STR, they are providing services according to their service agreement
  between them and you. STR indicated that they are currently waiting for information from you to
  proceed with your case and they will have a Case Manager reach out to you to discuss this further.

  UCFS maintains that it followed all applicable procedures in the opening and servicing of the above
  named account in accordance with applicable laws and regulations. Based on the information provided
  and the conclusion of our investigation, UCFS considers your payments due according to the terms of
  your financing agreement with UCFS. UCFS will re-evaluate should additional information be provided
  for review. Please note that your financing agreement with UCFS is separate from your service
  agreement with STR.

  If you have any further questions please contact our Compliance Department at *******************.
  Please direct any questions regarding the service that you purchased to ******* *** ****** at 800-218-
  2260 or to Helen T*** Ba, Billing Specialist at *******************
  
  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  07/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has been taking money from my account without my knowledge since November of 2022. I have never engaged in business of any sort with them and did not give my authorization for them to take money from my bank account. Phone calls went nowhere as the hold times are extensive and my calls keep getting re-routed but never actually connect me to a person. It's clear from the litany of complaints levied against them that this is one of many such cases. I want, at bare minimum, a full refund of the amount that has been unlawfully taken from me, if not also additional funds for the entirely unnecessary stress and hassle this has created for me. I have never even heard this company's name prior to seeing the transactions on my account; I don't know how, therefore, I could possibly authorized them to take money directly from my bank account.

  

  Business response

  08/09/2024

  Dear **** *****:
  United Consumer Financial Services (“UCFS”) received your complaint through the Better Business
  Bureau regarding the above named account.

  According to our records, you signed a retail installment sales contract (the “Agreement”) for the
  purchase of tax relief services on October 25, 2022. The Agreement was between you and the
  independent merchant who sold you the tax relief. UCFS purchased the Agreement, thereby, indirectly
  financing this transaction.

  UCFS contacted the independent merchant, ******* *** ****** *** (“Ovation”), on your behalf
  regarding your complaint. According to Mike C******* of Ovation, he made several attempts to contact
  you regarding this matter. Mike C******* spoke with your spouse, and your spouse explained the
  reason for your complaint was that you had forgotten you had taken out a loan for the purchase of the
  tax services. Your spouse indicated that he would speak with you about removing the Better Business
  Bureau complaint. Ovation also informed UCFS that they have rendered services on your account.

  UCFS maintains that it followed all applicable procedures in the opening and servicing of your account in
  accordance with applicable laws and regulations.

  Based on the information provided and the conclusion of our investigation, UCFS considers your payments
  due according to the terms of the Agreement. UCFS will re-evaluate should additional information be
  provided.

  Please note that the recurring monthly electronic funds transfer (“EFT”) was cancelled when UCFS
  received your complaint. UCFS will need your authorization to reactivate the EFT. Please contact a
  customer service representative to reactivate your EFT.

  If you have any further questions concerning this matter, please contact our Compliance team at
  [email protected] or contact Mike C******* of ******* *** ****** *** directly at
  [email protected].

   

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  07/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company name: ( Untied Consumer Financial Services ) I have paid to extend my payoff contract further out and it's been now a month and it still haven't been updated because I'm still paying interest when I should be. 2nd problem is two payments were paid on the same month and I been trying to get a refund on the extra payment and it's been almost a month now. I 1st had spoken to a man named Jose and and would not let me speak and kept talking over me. I had asked to speak to a supervisor 3 times and asked to speak to a manager once and he kept ignoring my request later on confirming he heard me when I confronted him why he was ignoring my right to speak to a upper management. He then hung up the phone on me after telling him I shouldn't have to ask multiple times to speak to his boss. Then I called back and spoke to a women named Judy who knew Jose ( her words ) after I tired talking about my horrible experience. I had asked for his employee ID number because it's my right to know who I was speaking to and she laughed at me over the phone and said " why are you going to report us?" I said what I do with it is my business ( personal records). She then continued laughing said bye and hung up the phone. I did not get nothing resolved. There's a refund that's owed to me and there also a contract that has not been updated after already paid for. This is very unprofessional and inappropriate customer treatment. And if this drags out mythe only person who will be affected by this is me while they are the ones who are acting this way. Also I tired calling back and they must had tempered with the phone line because when I called back after being hung up on the auto message said they were close many after many attempts of trying to reach back out to them. When I used a different number it went through just fine.

  

  Business response

  07/08/2024

  This complaint was sent to the wrong company as we have no records of this customer in our system and our business name is United Consumer Finance, Inc.. This should be redirected to United Consumer Financial Services.

  

  Business response

  07/11/2024

  Dear ******* ******:

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on July 9, 2024. Please know that we take every customer concern very seriously,
  whether your concern is with our company or with the business from which you made your purchase.

  Our compliance department is reviewing your complaint. We may contact the merchant from which you
  made your purchase as part of the investigation. Please understand that while we work to resolve your
  concerns as quickly as possible, it may take some time for us to obtain information from the merchant.
  We will notify you when the investigation is complete.

  If you would like to reach out to us directly, you can reach our compliance team at
  *******************.

  Thank you for your patience while we complete our internal review.

  UCFS Compliance Department

  

  Business response

  08/09/2024

  Dear ******* ******:
  
  United Consumer Financial Services (“UCFS”) received your complaint through the Better Business
  Bureau. Thank you for the opportunity to respond to your concerns.

  According to our records, you signed a retail installment sales contract (the “Agreement”) for the
  purchase of two puppies on March 4, 2024. UCFS verified the terms of the Agreement with you on
  March 4, 2024. The Agreement was between you and the independent merchant who sold you the
  puppies. UCFS purchased the Agreement, thereby, indirectly financing this transaction.

  Your Agreement contains the required Truth-in-Lending disclosures. These Disclosures clearly explain
  the amount you agreed to pay for the purchase, the finance charges you will incur for the purchase (as
  stated as an Annual Percentage Rate), and the total of your payments under the Agreement. The
  number and amount of your payments is clearly explained in your Agreement.

  Your Agreement contains a 90 Days Same as Cash (“SAC”). During verification, you confirmed that you
  had a completed copy of your Agreement and read and understood your obligations to UCFS under the
  Agreement. Our verification included confirming your 90 Days SAC option. You did not mention a
  problem with the SAC option or with the terms of your Agreement. If you had, UCFS would not have
  continued with the verification process and would not have financed the transaction.

  On or about June 2, 2024, the independent merchant who sold you your puppies, contacted UCFS with a
  request to extend your SAC payoff date. As a courtesy, UCFS agreed to extend your SAC payoff date
  from 90 Days to 180 Days from the date of the Agreement. This did not change the original terms of
  your Agreement or rewrite the terms of your Agreement. Because the original contract was not
  rewritten with a 180 Day SAC option, you will need to contact UCFS prior the 180 Days SAC expiration
  date to have your account manually closed for the amount financed payoff due at that time. Please
  retain a copy of this letter to support this action. A note has also been placed on your account referring
  to the courtesy extension of your SAC payoff date.

  UCFS apologizes for the customer service experience you had with our company and we thank you for
  bringing that to our attention. In reference to the payment refund issue, our records show that a payment
  reversal was completed on July 9, 2024 to credit you for the card payment dated June 13, 2024.
  If you have any further questions concerning this matter please contact our Compliance Department at
  *******************,

  
  Sincerely,
  UCFS Compliance Department

  Customer response

  08/27/2024

  RECEIVED VIA EMAIL BY BBB STAFF MEMBER:

  Hello, 
  
  The agreement was extended from 90 day's to 180. And I had paid Separately to have that extended. The reason for this was I had more time to pay off in full without interest rates being applied. But when I called over the phone I was told it would take time to update and it never did. The agreement started at 90 days but was updated to 180. I am still paying interest rates when I shouldn't be. Please give me a call Monday after 4 so we can discuss. I have a few witnesses that can conform that. 
  

  

  Business response

  09/03/2024

  Dear ******* ******:

  United Consumer Financial Services (“UCFS”) received your follow-up complaint through the Better
  Business Bureau regarding your account with UCFS ending in ****.
  
  In your complaint you state that UCFS is charging you interest on an Agreement with a 180 day Same-as-
  Cash (“SAC”) option. Please note that you signed a financing contract that computes interest on a
  
  precomputed basis. Your account balance is expressed as a sum containing the principal and the
  amount of the finance charges computed in advance. We collect finance charges with each of your
  monthly payments as we earn finance charges each month during your contract. If you prepay your
  account ahead of the end of the contract terms, we will send you a refund check for those unearned
  finance charges paid by you; the unearned finance charges not paid by you are removed (or rebated)
  from your account, and your account is closed with a zero balance.

  As stated in our previous response, as a courtesy, UCFS agrees to close your account for the amount
  financed of $5,500.00 if this amount is paid on or before August 31, 2024. If you choose to pay the
  amount financed on or before August 31, 2024, UCFS will remove (or rebate) the finance charges from
  your account and close your account with a zero balance as explained above. As of the date of this
  letter, your SAC payoff is $4,406.90.

  If you have any further questions concerning this matter, please contact a customer service representative
  at **************.

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  07/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was trying to get help for unpaid taxes and I was scammed by this company

  

  Business response

  07/09/2024

  Dear ******** ****:

  United Consumer Financial Services (“UCFS”) received your complaint through the Better Business
  Bureau.

  UCFS previously addressed your complaint regarding the tax resolution services you purchased from Tax
  Relief Advocates (“TRA”) several months ago. Please see the enclosed copy of the letter sent to you
  which explains that UCFS contracts with independent third-party merchants to purchase consumer
  contracts from merchants that sell products or services. TRA like other merchants that UCFS works with,
  is not an agent, legal representative, or corporate affiliate of UCFS. UCFS does not provide tax resolution
  services.

  As previously stated, UCFS contacted TRA regarding your claim that you cancelled the Service
  Agreement between you and TRA. According to TRA, you were not eligible to cancel your Service
  Agreement with TRA and TRA had been in contact with you to discuss the matter. TRA also provided
  UCFS with details of the work performed on your tax resolution case along with communications they
  had with you regarding your tax case.

  As indicated in the enclosed letter, UCFS offered to re-evaluate should additional information be
  provided for further review. To date, no additional information has been provided to support TRA
  cancelled their Service Agreement with you and/or had not provided the agreed upon services.
  If you have any further questions concerning this matter or additional information you would like UCFS to
  review, please contact our Compliance Department at [email protected].

  Sincerely,
  UCFS Compliance Department

  Customer response

  07/17/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  
  ******** ****
  I was promised help in resolving my tax problem the only thing that was done was extracting money from my bank account I called the company over 15 times and they never responded back to me  when I finally stop payment for nothing being done to clear up the problem I  received a call from the asking why I stopped payment and I said that no one has done anything to resolve my tax issues and until this date nothing has been done. So I called the IRS myself and made arrangements to pay them directly and that's what I doing 
  
  
   

• Initial Complaint

  06/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have been in contact with United Consumer Financial Services by calling them each week at 800.344.5000 (client services dept) to discuss the status of my refund (about $5000). I have spoken with a ******** ******** * ********* and apparently three other ********** Each time I call they say they are going to process the refund and get back to me by email or phone call with an update. Almost 30 days later, and they have not done anything and no one ever calls or sends me an email. My account with them was paid in full and closed in Feb of this year. I used them to pay for services from Tax Defense Network, which was cancelled. Tax Defense Network says they returned payment to United Consumer and so my refund will come from them. Please help me as I have spent way too much time, almost 30 days trying to get answers and now they are just stalling or passing me around. I have also given them a contact with Tax Defense Network so they can confirm. **** ***** at, ************* Refund my money please.

  

  Business response

  06/25/2024

  Dear ******* *********

  United Consumer Financial Services (“UCFS”) received your complaint filed with the Better Business
  Bureau. Thank you for the opportunity to respond to your concerns.

  UCFS contracts with independent third-party merchants to purchase consumer contracts from merchants
  that sell products or services. UCFS then holds the consumer’s retail installment contract and services the
  debt used to purchase the product or service. Tax Defense Network, LLC (“TDN”) is one independent
  merchant with which UCFS has a contractual relationship. TDN like other merchants that UCFS works
  with, is not an agent, legal representative, or corporate affiliate of UCFS.

  UCFS contacted TDN regarding your complaint; the merchant agreed to cancel the original contract
  between them and you. Accordingly, UCFS is also closing your account ending in 388 as a result of the
  cancelation and you are wholly released from the above obligation to UCFS. This action includes notifying
  the credit reporting agencies to delete this account from your credit report. A refund of $5,202.05 will be
  issued to you and sent in a separate mailing.

  UCFS maintains that it followed all applicable procedures in the opening and servicing of the above named
  account in accordance with applicable laws and regulations.

  If you have any further questions concerning this matter, please contact TDN directly as UCFS no longer
  holds or services the debt for the above named account. The merchant contact information on file with
  UCFS is:

  TAX DEFENSE NETWORK, LLC
  **** ********* ***** *** ***** ************* ** ***** ************

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  06/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am reporting on United Consumer Financial Services (UCFS) regarding their reporting practices on my credit report. Account Opened: October 2018 Purpose: Funding for a Kirby Cleaning System Account Paid Off: January 2020 I have been in good faith communication with UCFS, requesting that they cease reporting negative items on my credit report and ideally remove the account altogether. My efforts to resolve this issue with UCFS have been ongoing and have included multiple attempts to explain the circumstances and seek a fair resolution. Circumstances of Missed Payments: As a **** veteran, I was deployed shortly after acquiring the cleaning system. During my deployment, my credit card information was compromised, leading to unauthorized transactions and subsequent missed payments on my UCFS account. I promptly communicated these issues to UCFS, seeking their assistance in rectifying the missed payments due to the compromised credit card. Despite my efforts to communicate the situation and resolve the issue, UCFS was uncooperative in addressing the compromised credit card situation and did not provide assistance to correct the missed payments. Now that the account has been fully paid off and closed, the negative reporting continues to impact my credit score adversely, affecting my ability to purchase a new home. Given the account is closed and the balance has been paid in full since January 2020, I respectfully request UCFS to remove the account from my credit report. This negative reporting continues to harm my credit standing, and I believe it is unjust considering the circumstances surrounding the missed payments. As a veteran and responsible consumer, I believe that a fair resolution to this issue is warranted. I request that the Better Business Bureau assist in facilitating a resolution that involves the removal of this account from my credit report, helping to restore my credit standing and allowing me to proceed with my plans to purchase a new home.

  

  Business response

  06/17/2024

  Dear ******* *****:

  United Consumer Financial Services (“UCFS”) received your complaint through the Better Business
  Bureau. Thank you for the opportunity to respond to your concerns.

  UCFS reviewed the credit reporting performed on your account and determined the credit reporting as
  accurate based on the payment history. You were notified of the delinquency and subsequent negative
  credit reporting by telephone call and USPS mail service.

  UCFS maintains that it followed all applicable procedures in the opening and servicing of your account in
  accordance with applicable laws and regulations. As a courtesy, however, UCFS has notified the credit
  reporting agencies to delete the above named account ending in 3638 from your credit report. Please be
  aware that this modification may take 30 to 90 days to reflect on your credit report file. Please retain this
  letter for your records as confirmation of this action.

  If you have any further questions concerning this matter, please feel free to contact a customer service
  representative at *************

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  06/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Please review the attachment provided and it will be pretty self-explanatory as to what transpired into becoming a problem. In a nutshell, Timeshare Legal Assistant (a company which supposedly helps people break timeshare contracts) did not provide the services they promised, we advised them their services would not be used and would therefore not receive additional funds, they sold the "debtor's note" to United Financial Consumer Services, and now UFCS wants money for services not rendered and has caused a hardship on my credit scores due to late/no payment notices submitted. I want them to retract those notices and collect from Timeshare Legal Assistant if they want any money. Thank you very much for your assistance! ****** ******

  

  Business response

  06/06/2024

  Dear ****** *******

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on June 5, 2024. Please know that we take every customer concern very seriously,
  whether your concern is with our company or with the business from which you made your purchase.

  Our compliance department is reviewing your complaint. We may contact the merchant from which you
  made your purchase as part of the investigation. Please understand that while we work to resolve your
  concerns as quickly as possible, it may take some time for us to obtain information from the merchant.
  We will notify you when the investigation is complete.

  If you would like to reach out to us directly, you can reach our compliance team at [email protected].
  Thank you for your patience while we complete our internal review.

  UCFS Compliance Department

  

  Business response

  06/17/2024

  Dear ****** *******

  United Consumer Financial Services (“UCFS”) received your complaint through the Better Business
  Bureau. Thank you for the opportunity to respond to your concerns.

  UCFS contracts with independent third-party merchants to purchase consumer contracts from merchants
  that sell products or services. UCFS then holds the consumer’s retail installment contract and services the
  debt used to purchase the product or service. Timeshare Legal is one independent merchant with which
  UCFS has a contractual relationship. Timeshare Legal like other merchants that UCFS works with, is not
  an agent, legal representative, or corporate affiliate of UCFS.

  UCFS reached out to the independent merchant regarding your dissatisfaction with the service you
  purchased from Timeshare Legal. Timeshare Legal advised UCFS that they had met their obligations under
  the Service Agreement between them and you. According to Timeshare Legal, your timeshare relief case
  is in the final phase of the process which is assigning your case to a law firm.

  Based on the information provided and the conclusion of our investigation, UCFS considers your payments
  due according to the terms of the financing Agreement. UCFS will re-evaluate should additional
  information be provided for further review.

  UCFS encourages you to reach out to Timeshare Legal regarding any questions or concerns with your
  timeshare relief case at:
  
  ********* ***** * ** ******* ***** ***** **** **** *********** ** ***** ************ ** *** **** *** ******* ********* ********** **** ******* ****** ******* ********** ** ******************** ********** **** ********** **********

• Initial Complaint

  05/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Fraud… 100% fraudulent company hooked up with T** ***** ******. Company scammed me out of $40,000. They lie to you and tell you this massive loan will solve all your problems. Goes to their pockets. Awful customer service and you are left with no recourse.. This bank was part of a scam that got me for $40,000 then trashed my credit by reporting missed payments…. Completely scam. Read the comments they will get you… They were supposed to be investigating a fraudulent situation for me. Did nothing about it because they knew they have scammed many others like me. Just negatively impacted my credit score. They all need to go to jail for their scams. Worse than ****** *******.

  

  Business response

  05/28/2024

  Dear ***** *********

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on May 18, 2024. Please know that we take every customer concern very seriously,
  whether your concern is with our company or with the business from which you made your purchase.

  Our compliance department is reviewing your complaint. We may contact the merchant from which
  you made your purchase as part of the investigation. Please understand that while we work to resolve
  your concerns as quickly as possible, it may take some time for us to obtain information from the
  merchant. We will notify you when the investigation is complete.

  If you would like to reach out to us directly, you can reach our compliance team at
  ********************

  Thank you for your patience while we complete our internal review.

  UCFS Compliance Department

  Customer response

  06/05/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.] 

  You guys already sent me a letter two days after I contacted you saying you do business with T** ***** ****** and they are a merchant of yours... How am I going to get an impartial answer from someone that generates tens of hundreds of thousands of dollars for you. Its not going to happen. You and T** ***** ****** have been plastered all over BBB and Reviews saying the same thing I am saying. This get rich scheme costs honest hard-working thousands or millions of dollars. You are just as guilty in this because you know about it and welcome the money, they bring you. I already reported this to your fraud team, then I called to ask the statis of your investigation. Then two days later you send a letter saying I am delinquent on my loans (which I was not) saying you trust them and not me.. You know why and I know why. Its because your scamming people for money and you are just as guilty as them if not worse because you know about it and have been reported to the BBB by many people and you still do nothing.....  
  
  Regards,
  
  ***** ********
  
  
  
  
   

  

  Business response

  06/17/2024

  Dear ***** *********

  United Consumer Financial Services (“UCFS”) received your complaint regarding services you purchased
  from T** ***** ****** and your accounts with UCFS ending in 232 and 192. Thank you for the
  opportunity to respond to your concerns.

  UCFS contracts with independent third-party merchants to purchase consumer contracts from merchants
  that sell products or services. UCFS then holds the consumer’s retail installment contract and services the
  debt used to purchase the product or service. T** ***** ****** (“TGC”) is one independent merchant
  with which UCFS has a contractual relationship. TGC like other merchants that UCFS works with, is not an
  agent, legal representative, or corporate affiliate of UCFS.

  UCFS contacted TGC regarding your complaint; the merchant informed UCFS they have provided services
  to you and they have been in contact with you to resolve your concerns. According to TGC they plan to
  continue discussions with you on your tax resolution case in an attempt to reach an equitable agreement
  between them and you. Please note that the service agreement between you and TGC is separate from
  your financing agreement with UCFS.

  UCFS denies your allegations and maintains that it followed all applicable rules and regulations in the
  opening and servicing of the above named accounts ending in 232 and 192. UCFS will re-evaluate should
  additional information be provided for review.

  If you have any further questions concerning this matter, please contact UCFS at [email protected].
  Sincerely,

  UCFS Compliance Department

*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. ↩