Consumer Finance Companies
United Consumer Financial Services Company
Complaints
Customer Complaints Summary
- 70 total complaints in the last 3 years.
- 39 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/17/2025
Type: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I purchased a vacuum from Rainbow for $3812.82 and the payments were supposed to be directly withdrawn from my bank account. I noticed that the company over charged me. They took 34 payments of 137.78 totaling $4,684.52. There’s no agreement for any other charges in addition to the $3812.82 balance. I this matter resolved and a credit of $871.70 returned to my bank account.
Business Response
Date: 06/20/2025
June 20, 2025
***** ******
*** ***** ******
******* ** *****
Re: Better Business Bureau Complaint # ******** (UCFS Account # ******)
Dear ***** ******:
United Consumer Financial Services (“UCFS”) received your Better Business Bureau complaint. Thank
you for the opportunity to respond to your concerns.
According to our records, you co-signed a retail installment sales contract (the “Agreement”) for the
purchase of a Rainbow Cleaning System on March 9, 2022. The Agreement was between you and the
independent merchant who sold you the Rainbow Cleaning System. UCFS purchased the Agreement,
thereby, indirectly financing this transaction.
According to the terms of the Agreement, you agreed to the amount financed of $3,812.82, paid over 36
monthly installments of $137.78, with finance charges in the amount of $1,147.26 for a total amount
financed of $4,960.08. The Agreement contains the required Truth-in-Lending disclosures that clearly
explain the amount financed, the finance charges and the total of payments. A copy of your Agreement
is enclosed.
According to the payment history, you paid 36 monthly installments in the amount of $137.78 with the
last payment posting on March 22, 2025 which closed your account as paid in full. A copy of your
payment history is enclosed.
Based on the information provided and the conclusion of our investigation UCFS determined the account
was paid as agreed and no overpayment has been made to warrant a refund. UCFS will re-evaluate should
additional information be provided.
If you have any further questions concerning this matter, please contact a customer service representative
at ************ or contact our compliance team at ********************
Sincerely,
Sincerely,
UCFS Compliance Department
[email protected]
Encl.
United Consumer Financial Services l 800-344-5000 l 865 Bassett Road, Westlake, Ohio 44145 l www.ucfs.net l [email protected]
Consumer Financing for Retail Products, Professional Services, Medical Services & Products, In-Home Products & Services
Kodzovi T Atchrimi Julia D Austin
EAGLE AIR SOLUTIONS LLC / WM
United Consumer Financial Services
82-3656 STATUS AS OF 6/19/25 PAGE 1
KODZOVI T ATCHRIMI HP 770-666-6666
615 GREEN ST BP 334-887-8300
SSN 211-25-3409
AUBURN AL 36830 REMITTANCE CTR
Louisville
C/B JULIA D AUSTIN SSN 418-29-6082
84452 - WILLIAM & JENNIFER MONK -RAINB
1ST PMT DUE # OF PMTS SCHED PMT CONTRACT AMT
4/23/22 36 137.78 4,960.08
------------------------------------------------------------
DATE DATE PAYMENT INTEREST LATE TRANSACTION
DUE PAID AMOUNT AMOUNT CHG PD CD AMOUNT BALANCE
3/22 3/17/22 NA 4960.08 4960.08
4/22 4/23/22 137.78 PMT 137.78 4822.30
5/22 5/23/22 137.78 PMT 137.78 4684.52
6/22 6/23/22 137.78 PMT 137.78 4546.74
7/22 7/23/22 137.78 PMT 137.78 4408.96
8/22 8/23/22 137.78 PMT 137.78 4271.18
9/22 9/23/22 137.78 PMT 137.78 4133.40
10/22 10/22/22 137.78 PMT 137.78 3995.62
11/22 11/23/22 137.78 PMT 137.78 3857.84
12/22 12/23/22 137.78 PMT 137.78 3720.06
1/23 1/23/23 137.78 PMT 137.78 3582.28
2/23 2/23/23 137.78 PMT 137.78 3444.50
3/23 3/23/23 137.78 PMT 137.78 3306.72
4/23 4/22/23 137.78 PMT 137.78 3168.94
5/23 5/23/23 137.78 PMT 137.78 3031.16
6/23 6/23/23 137.78 PMT 137.78 2893.38
7/23 7/22/23 137.78 PMT 137.78 2755.60
8/23 8/23/23 137.78 PMT 137.78 2617.82
9/23 9/23/23 137.78 PMT 137.78 2480.04
10/23 10/23/23 137.78 PMT 137.78 2342.26
11/23 11/22/23 137.78 PMT 137.78 2204.48
12/23 12/23/23 137.78 PMT 137.78 2066.70
1/24 1/23/24 137.78 PMT 137.78 1928.92
2/24 2/23/24 137.78 PMT 137.78 1791.14
3/24 3/23/24 137.78 PMT 137.78 1653.36
4/24 4/23/24 137.78 PMT 137.78 1515.58
5/24 5/23/24 137.78 PMT 137.78 1377.80
6/24 6/22/24 137.78 PMT 137.78 1240.02
United Consumer Financial Services
82-3656 STATUS AS OF 6/19/25 PAGE 2
KODZOVI T ATCHRIMI HP 770-666-6666
615 GREEN ST BP 334-887-8300
SSN 211-25-3409
AUBURN AL 36830 REMITTANCE CTR
Louisville
C/B JULIA D AUSTIN SSN 418-29-6082
------------------------------------------------------------
DATE DATE PAYMENT INTEREST LATE TRANSACTION
DUE PAID AMOUNT AMOUNT CHG PD CD AMOUNT BALANCE
7/24 7/23/24 137.78 PMT 137.78 1102.24
8/24 8/23/24 137.78 PMT 137.78 964.46
9/24 9/23/24 137.78 PMT 137.78 826.68
10/24 10/23/24 137.78 PMT 137.78 688.90
11/24 11/23/24 137.78 PMT 137.78 551.12
12/24 12/23/24 137.78 PMT 137.78 413.34
1/25 1/23/25 137.78 PMT 137.78 275.56
2/25 2/22/25 137.78 PMT 137.78 137.78
3/25 3/22/25 137.78 PMT 137.78
NEXT PMT DELINQUENT CONTRACT
DUE DATE # OF DAYS DATE
3/23/25 0 3/09/22
------------------------------------------------------------
PURPOSE: INFORMATIONALInitial Complaint
Date:05/16/2025
Type: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 company is not providing good services. They have been drafting
my account monthly but have not shown any results.Business Response
Date: 05/20/2025
United Consumer Financial Services
(“UCFS”) received the complaint that you submitted to the Better Business
Bureau on May 16, 2025. 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.Business Response
Date: 05/28/2025
Dear ****** ****:
United Consumer Financial Services (“UCFS”) received the complaint you lodged with the Better
Business Bureau. Thank you for bringing this matter to our attention.
UCFS completed its investigation and sent a response directly to the account holder as a financing
agreement is not on file with UCFS under your name. We believe our response adequately resolved the
issue to the account holder’s satisfaction.
If you have any further questions concerning this matter, please contact our Compliance Team directly at
*******************
Sincerely,
UCFS Compliance Department
************
*******************Initial Complaint
Date:05/13/2025
Type: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.
Agreed to a contract with this company to assist me with getting out of a timeshare. Business did not complete service agreed upon. 1.5 years later, not only have they NOT completed their service, however, they are impossible to keep in contact with. Their lines are always “busy”, and no one has reached out to me in a year.Business Response
Date: 05/28/2025
United Consumer Financial Services (“UCFS”) completed its investigation of your complaint regarding
the services you purchased from Consumer Consulting Group, LLC.
This letter is to inform you that UCFS has cancelled the balance of your account identified above, and
you owe nothing further to UCFS in connection with your retail installment sales contract. A payment
refund of $2,391.91 will be issued in a separate mailing. This action includes notifying the credit
reporting agencies to delete the reporting of this account from your credit reporting history.
There are no additional payments or next steps required on your part regarding this account. Your
complaint has now been resolved. We apologize for any inconvenience this may have caused.
If you have any additional questions or concerns about the resolution of this matter, you can reach out to
us directly at [email protected] or call *************
Sincerely,
Compliance Department
United Consumer Financial ServicesCustomer Answer
Date: 05/28/2025
Better Business Bureau:
I have reviewed the response provided by the business regarding complaint ID ********* and I find the resolution is satisfactory.
Regards,
**** ********Initial Complaint
Date:04/29/2025
Type: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've told them i was on a fixed income and said I sign a contract and did not sign a contract. I want my payment lowered.Initial Complaint
Date:04/08/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was told by this company that they would be able to get a lower balance agreed upon with the IRS.
The only thing that they did was lower my monthly payment with the IRS from @210.00 per month to $55.00 per month but the balance remained the same (almost $6K)
Now I owe them almost $3K and my payments to them are $114.04 and I ask, for what?????
I paid them $495.00 up front. I would like to have my money refunded and also cancel my account with a zero balance. I have paid them a total of $837.12 and they did nothing to help me with my financial situation.
Thank you so much.
Barb ShroyerBusiness Response
Date: 04/16/2025
United Consumer Financial Services (“UCFS”) completed its review of your complaint regarding services
you purchased from United Tax Defense (“UTD”). 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. UTD is one independent merchant with which UCFS has a
contractual relationship. UTD 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 a tax service on November 11, 2024. UCFS verified the terms of the Agreement with you on
November 11, 2024. The Agreement was between you and the independent merchant who sold you the
service. UCFS purchased the Agreement, thereby, indirectly financing this transaction.
UCFS reached out to UTD on your behalf regarding your complaint. According to UTD, services were
provided to you according to the Service Agreement between them and you. The Service Agreement
details or explains the tax services that you agreed to purchase which included but were not limited to
an Installment Agreement/Partial Payment Agreement. The Agreement does not reference reducing the
overall balance owed to the IRS but does include prevention assistance against involuntary collection
activities which, in your case, was the facilitation of a Partial Payment Installment Agreement between
you and the IRS. The IRS Form 433-D Installment Agreement was prepared on your behalf by UTD and
signed by you on January 2, 2025.
UCFS encourages you to reach out to UTD directly with any concerns regarding the services offered to
you by their company as UCFS does not sell or provide tax resolution services. The contact information
on file with UCFS is:
****** *** *******
**** **** ****** *** ***
***** ***** ** *****
************Initial Complaint
Date:04/06/2025
Type: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 am disputing an invalid account reported by
United Consumers financial service on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.Business Response
Date: 04/16/2025
United Consumer Financial Services (“UCFS”) completed its investigation of 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. 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.
According to our records, you and Evette Young signed a retail installment sales contract (the
“Agreement”) for the purchase of a service from Timeshare Legal on November 27, 2024. The
Agreement was between you and Evette Young and the independent merchant who sold you both the
timeshare cancel service. UCFS purchased the Agreement, thereby, indirectly financing this transaction.
Enclosed is a copy of your Agreement.
UCFS reviewed the credit reporting performed on your account and determined the credit reporting to
be accurate based on the payment history. Your account was not paid as agreed according to the terms
of the Agreement and your account repurchased and reassigned to the merchant on or about March 31,
2025. According to our records, you were notified of the delinquency and subsequent negative credit
reporting by telephone call and USPS mail service. Enclosed is a copy of your payment history.
The Fair Credit Reporting Act §623(a)(8)(D) provides as follows: (D) Submitting a notice of dispute- A
consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to
such person at the address specified by the person for such notices that – (i) identifies the specific
information that is being disputed; (ii) explains the basis for the dispute; and (iii) include all supporting
documentation required by the furnisher to substantiate the basis of the dispute.
UCFS denies your allegations and maintains that is followed all applicable procedures in the opening and
servicing of your account in accordance with applicable laws and regulations.
If you have any further questions concerning this matter, please contact our Compliance Department at
[email protected] or contact a customer service representative at *************Initial Complaint
Date:03/25/2025
Type: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.
Tax services
10/24
11k
Service not provided accurately or according to promise.
Keep reporting after cancellation of serviceBusiness Response
Date: 05/14/2025
United Consumer Financial Services (“UCFS”) reviewed 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 Relief Advocates (“TRA”) is one independent merchant
with which UCFS has a contractual relationship. TRA 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 a tax service from TRA on July 19, 2024. UCFS verified the terms of the Agreement with you
on July 19, 2024. The Agreement was between you and the independent merchant who sold you the
service. UCFS purchased the Agreement, thereby, indirectly financing this transaction.
UCFS contacted TRA in reference to your complaint. TRA informed UCFS that they are providing services
to you according to the service agreement between them and you. According to TRA they have been
making every effort to gather the necessary documents from you but you have not provided all the
requested documents that are needed for your case. TRA indicated that you had provided documents
pertaining to your auto loan but you had not provided the rest of the requested documents which
include but are not limited to Proof of Mortgage (if applicable) and Recent Bank Statements.
UCFS reviewed the credit reporting performed on your account and determined the credit reporting to
be accurate based on the payment history.
The Fair Credit Reporting Act §623(a)(8)(D) provides as follows: (D) Submitting a notice of dispute- A
consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to
such person at the address specified by the person for such notices that – (i) identifies the specific
information that is being disputed; (ii) explains the basis for the dispute; and (iii) include all supporting
documentation required by the furnisher to substantiate the basis of the dispute.
UCFS maintains that it followed all applicable rules and regulations regarding the opening and servicing
of the above named account.Initial Complaint
Date:03/24/2025
Type: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.
From 10/23-2/25 I paid 377.71 monthly for a service that was never providedBusiness Response
Date: 04/01/2025
Emailed response to bbb
United Consumer Financial Services (“UCFS”) completed its investigation of your complaint regarding the services you purchased from ******** ********** ****** **** This letter is to inform you that UCFS has cancelled the balance of your account identified above, and you owe nothing further to UCFS in connection with your retail installment sales contract. This action included notifying the credit reporting agencies to delete the reporting of this account from your credit reporting history. A payment refund of $6,421.07 was sent to you on March 21, 2025 by USPS mail service. There are no additional payments or next steps required on your part regarding this account. Your complaint has now been resolved. We apologize for any inconvenience this may have caused. If you have any additional questions or concerns about the resolution of this matter, you can reach out to us directly at [email protected] or call 800-344-5000.
Customer Answer
Date: 04/01/2025
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 are accurate, However the lie that they had no Idea of wrong doing I have the contract you knew this was a scam and continued with this I contacted your business and told you what was happening only when the BBB was notified and started investigating you did you choose to end the contract and Refund my money. Just disgusting that you put me through so much I've suffered a blood clot trying to make sure I made these payments on a contract you took over .In the 11/2 years you did not do what you charged me for horrible company standards
Regards,
***** ******
Initial Complaint
Date:03/24/2025
Type: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 received a threatening letter about information being sent to credit bureaus about a debt that I’m refusing to pay as it was a scam about timeshare resolution.Business Response
Date: 05/12/2025
Business emailed response to the bbb
United Consumer Financial Services (“UCFS”) completed its investigation of your complaint regarding the services you purchased from ******* ********* d/b/a ********* *********** This letter is to inform you that as your lender, UCFS has cancelled the balance of your account identified above, and you owe nothing further to UCFS or ******* ********* d/b/a Timeshare Compliance in connection with your retail installment sales contract. A payment refund of $13,130.14 will be issued in a separate mailing. There are no additional payments or next steps required on your part regarding this account. Your complaint has now been resolved. We apologize for any inconvenience this may have caused. Thank you for trusting UCFS as your lender. If you have any additional questions or concerns about the resolution of this matter, you can reach out to us directly at [email protected] or call 800-344-5000.
Initial Complaint
Date:03/11/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been trying to reach United Consumer Financial Services Company.
When I call, now one answers and ALL voice mail lines are Full and will not allow a message to be left.
I have left an message on the website but have not received a response.
Please see if you can contact them...Business Response
Date: 03/26/2025
United Consumer Financial Services (“UCFS”) completed its review of your complaint filed with the
Better Business Bureau. Thank you for the opportunity to respond to your concerns.
According to our records, you spoke with a customer services representative and the representative
assisted you with your account.
If you have any further questions, please contact our Compliance department at [email protected].
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