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:04/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******* ***** **************************************************** ************ ****************** 04/04/2025 Unifin, INC.PO *************************************************** Subject: Dispute of Account #********** - Request for Deletion Dear BBB I am writing to dispute the validity of account number **********, which has been reported to the credit reporting agencies. This account is listed as a charge-off from ****** Credit, allegedly sold to your company on February 28, 2025, with a reported balance of $2,260.12 I am requesting that you investigate this account and, based on the information available to you, permanently delete it from my credit ********** request for deletion is based on the following:15 U.S. Code 1681c(a)(5) - Obsolete Information: While I understand the account may have been valid at one point, I am requesting deletion based on the age of the debt and its potential impact on my credit score.I understand that you are required to investigate this dispute within ************************************** with the following documentation to verify the validity of this debt:The original contract or agreement with ****** Credit that I supposedly signed.Documentation showing the date of my last payment to ****** Credit Complete payment history for this account.Documentation proving that Unifin, Inc. has the legal right to collect this debt.If you cannot provide sufficient documentation to validate this debt, I demand that you immediately delete this account from all credit reporting agencies.Please be advised that if you fail to provide the requested documentation and validate this debt, I will pursue all available legal remedies to protect my rights under the Fair Credit Reporting Act (FCRA).Thank you for your time and attention to this matter. I look forward to your prompt response.Sincerely,******* *****

  

  Business Response

  Date: 04/17/2025

  Unifin has received and reviewed ******* ****** complaint and appreciates the opportunity to respond.
  
  An account under ******* ****** name and personal information was placed with our office by our client to make collection efforts on their behalf.  Based on ******* ****** dispute, and complaint, Unifin ceased collection efforts,returned the account to our client, and notified them of ******* ****** complaint and dispute. Further,Unifin has not reported the subject debt to the credit reporting agencies and is therefore unable to modify any reporting related to the subject debt. Our client has advised us that to resolve this matter they are terminating collection efforts on the debt.
  
  If ******* ***** has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

• Initial Complaint

  Date:04/03/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This was supposed to be settled through the BBB back in 2018 and again in 2022. In July 2018, two Sprint salesmen called me over in the local mall. They had a kiosk for Sprint, and they said they guaranteed I would get better service and a better price if I would switch to ******. At the time, I had 2 people on my phone plan who lived in upstate **. I wanted to switch them over too. I asked SPECIFICALLY if they had coverage in their area. They said yes and showed me a map that 'proved' coverage. (Later, when I found out they didnt have any service there, another Sprint agent told me the first 2 agents didnt zoom in on the map far enough) I purchased the phones and plan and had the 2 phones shipped to **. The Sprint agents also said, if I didnt like the service, I could return the phones with no obligation. The people in NY didnt get service at all. We called tech support who said they may need a signal booster. So, we tried another number to see what we needed to do to get a signal booster. The people at that number said there were no towers close enough to use a signal booster. We talked to another agent who said the first 2 agents told me wrong and there were no towers in the area.. So, we decided to return all the phones and try a different company. When they received the phones, ****** was still trying to bill me. Thats why I contacted the BBB in the first place. I filed a complaint against them, explaining the whole situation. After the BBB contacted them, Sprint replied, agreeing to cancel all charges. BBB asked if I was satisfied and if it was okay to close my complaint. I said yes; thinking that was the end of it, until seeing it on my credit report. It was removed with *************************, and now it's back on with another Co. name; Unifin. I don't understand how they can keep selling my info to different Co. trying to get money and ruining my credit when everything was returned and settled. How many times can they do this?

  

  Business Response

  Date: 04/17/2025

  Unifin has received and reviewed ***** Hinkleys complaint and appreciates the opportunity to respond.
  
  An account under ***** Hinkleys name and personal information was placed with our office by our client to make collection efforts on their behalf. Based on ***** Hinkleys dispute and complaint, Unifin ceased collection efforts, returned the account to our client, and notified them of ***** Hinkleys complaint. Our client has advised us that to resolve this matter they are terminating collection efforts on the debt.
  
  If ***** ******* has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

• Initial Complaint

  Date:04/03/2025

  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.

  This business keeps sending text message in past weeks from different numbers (including but not limited to *****************, *****************, *****************, *****************, *****************) with followings (sometimes with different web link, see Note below):"This is Unifin, a debit collector. Contact us about ref#********** @ ************ or *********************************************************** ChargeMayApply Reply STOP to stop texts."Note:Sometimes, *********************************************************** becomes *********************************************************** or *********************************************************** or *********************************************************** or *********************************************************** I don't think that I have anything related to them. My credit record is clean and my credit score nearly perfect (most recent score from one of agencies 850+). By law, they need to provide Validation of the Debit and send to me by mail instead of text message, if they do believe I am related to the person they are interested in.

  

  Business Response

  Date: 04/17/2025

  Unifin has received and reviewed Xiangjun Dongs complaint and appreciates the opportunity to respond.
  
  An account was placed with our office, by our client, to make collection efforts on their behalf. Unfortunately, ******** **** received messages intended for the individual Unifin was attempting to reach. Based on the complaint received,Unifin has ceased all communications to Xiangjun Dongs phone number related to the subject account, and ********************** has forwarded a copy of the complaint to our client.

  Please contact us with any additional questions or concerns.
  
  Sincerely,
  
  Unifin, Inc.

• Initial Complaint

  Date:04/01/2025

  Type:Customer Service 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 received a text message today to call this debt collection company in regard to a debt owed. However, I dont owe any debt that can be collected on. Furthermore, if I do owe a debt, I am totally unaware of this debt and I demand all correspondence be sent through the mail. I also demand all contact via phone, text message or even email cease immediately. I will also be sending this in writing to this debt collection company.

  

  Business Response

  Date: 04/11/2025

  Unifin has received and reviewed ******* Fosters complaint and appreciates the opportunity to respond.
  
  An account was placed with our office, by our client, to contact a particular individual on their behalf.  Unfortunately, ******* ****** received a message intended for the individual Unifin was attempting to reach. Unifin has ceased all communications to ******* Fosters phone number, and Unifin has forwarded a copy of the complaint to our client. 
  
  If ******* ****** has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

  Customer Answer

  Date: 04/11/2025

   
  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:04/01/2025

  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.

  I have received multiple text messages, and phone calls of a debt that is 11 years old ( 11/19/2024 charge off date) they stated in the text with ref ********** , stating they are collecting a debt against me. I do not have any open debt. I have no contract with Unifin . I monitor my credit report very closely and checked before making this complaint. I currently have 0 accounts in collections and a good credit score . I can verify this if needed. This is a scam attempt to get money and my personal, financial information. I see many others online having the same experience with Unifin. Both on this site and there are pages on Reddit regarding the same issues. I request they immediately cease conducting deceitful practices.

  

  Business Response

  Date: 04/11/2025

  Unifin has received and reviewed ** Turners complaint and appreciates the opportunity to respond.
  
  An account under ** Turners name and personal information was placed with our office by our client to make collection efforts on their behalf. Based on ** Turners dispute and complaint, Unifin ceased collection efforts, returned the account to our client, and notified them of ** Turners complaint. Our client has advised us that to resolve this matter they are terminating collection efforts on the debt.
  
  If ** ****** has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

  Customer Answer

  Date: 04/11/2025

   
  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:03/30/2025

  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 am receiving text messages from Unifin saying they are a debt collector from MULTIPLE different phone numbers. I don't owe any overdue debt and nothing is listed on my credit reports with all three bureaus (no outstanding debts nor collections listed). I've NEVER received an actual letter from this company and I definitely will not be clicking on the link they are sending to my phone. At this point, this is harassment and they cannot even address the recipient of this debt nor the issue. This is a scam company that is targeting random numbers for debt without following actual processes. Happy to get attorneys involved to stop this harassment. Text Message Reads: Unifin, a debt collector: We have an important message regarding your outstanding balance of $1307.31 If this is a mistake report here:******************************************************** Ref#**********Call:********** Access our ************ portal:*********************************************************** Reply STOP to opt-out.

  

  Business Response

  Date: 04/11/2025

  Unifin has received and reviewed ****** ***** complaint and appreciates the opportunity to respond.
  
  An account under ****** ***** name and personal information was placed with our office by our client to make collection efforts on their behalf. Based on ****** ***** dispute and complaint, Unifin ceased collection efforts, returned the account to our client, and notified them of ****** ***** complaint. Our client has advised us that to resolve this matter they are terminating collection efforts on the debt.
  
  If ****** **** has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

  Customer Answer

  Date: 04/16/2025

   
  Complaint: 23136821
  
  I am rejecting this response because:

  I have emailed Unifin for an explanation of this debt and who their client is, since I do not believe this debt is mine and someone else used my information. Unifin has only confirmed that their client will cease pursing the debt, not that the debt itself is being erased and unlinked from me. Unifin has not responded to my email with answers to my questions above and I would like that before accepting their response. 
  
  Sincerely,
  
  ****** ****

  

  Business Response

  Date: 04/22/2025

  Unifin has received and reviewed ****** ***** complaint and appreciates the opportunity to respond.
  
  Our client, ******************************, acquired and is the current creditor for a Fortiva Credit Card account under the name ****** ****.  This account with a balance of $1,307.31 was placed with our office to make collection efforts on behalf of *******************************  In response to your original complaint to the Better Business Bureau, Unifin ceased collection efforts, returned the account to our client, and notified our client of ****** ***** complaint. In response, our client advised us that to resolve this matter they terminated collection efforts on the debt. 
  
  If ****** **** has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23136821
  
  I am rejecting this response because: I am kindly requesting confirmation of the address they have on file for the owner of this debt. I request to know if Unifin was tracking down anyone named ****** **** or if my current or a previous address is associated with this debt. If Unifin can provide information to contact their client so I may further investigate if there has been fraud, that would be greatly appreciated.
  
  Sincerely,
  
  ****** ****

• Initial Complaint

  Date:03/29/2025

  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.

  I received a text messages on 3/21/25 from Unifin, a debt collector. Requesting I contact them regarding ref# ******. I don't owe any overdue debt. I have checked my credit reports with all three bureaus and have no outstanding debts nor collections listed. Unifin has never sent a statement, bill, or letter to document this debt. Text Message Reads: This is Unifin, a debt collector. Contact us about ref# ********* @ *********** or ChargesMayApply Reply STOP to stop texts. This seems like a scam.

  

  Business Response

  Date: 04/08/2025

  Unifin takes ******* Johnsons complaint seriously and appreciates ******* ******** for bringing this matter to Unifin's attention. 
  
  Unfortunately, ******* ******* received messages intended for another individual. Please note that Unifin ceased communications to ******* Johnsons phone number, ending 5653, upon first being notified the receiver did not wish to receive any further messages at that phone number.  Unifin has forwarded a copy of the complaint to our client.
  
  If ******* ******* has any further questions or concerns, she is invited to contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

  Customer Answer

  Date: 04/09/2025

   
  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:03/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Made my payment to you all but not getting a receipt. Being told it was sent to my email but dont see it anywhere. Call and ask if it can be resent and told it would take ***** hours. Why not send out as soon as i ask its an email isnt the point of emails to send right away? I have to sign it to get a zero balance letter. Seems unfair I cant get what I need to do this

  

  Business Response

  Date: 04/11/2025

  Unifin has received and reviewed ******* Kosirs complaint and appreciates the opportunity to respond.
  
  An account under ******* Kosirs name and personal information was placed with our office by our client, ******************************, to make collection efforts on their behalf. On March *******, ******* ***** made a payment to Unifin to settle the subject debt for less than the balance owed. Unifin issued a receipt the same day. Unfortunately,******* ***** did not receive the receipt at that time.  Unifin re-issued the receipt on March ******* in response to ******* Kosirs complaint. Please note that Unifin returned the account to our client on March ******* as Satisfied in Full, and a copy of ******* Kosirs complaint has been forwarded to our client as well.
  
  If ******* ***** has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

• Initial Complaint

  Date:03/25/2025

  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.

  Unifin, Inc. has illegally been calling or texting other family members about a third-party debt that I was sued for by another third-party debt collector, **** Funding around four or five years ago. Unifin, Inc. has recently sent correspondence to my home address, recently. Im not paying this because I am sick and CANNOT PAY THIS OLD DEBT. Unifin, Inc. are trying to illegally bait me into contacting them, so they can start the WHOLE PROCESS OF RESETTING THE STATUTE of LIMITATIONS. Im not doing it, so they can forget it. I dont care how many judgements they seek or phone calls and letters. Im not talking to them, and I will call my lawyer if they keep on calling other people besides me.

  

  Business Response

  Date: 04/10/2025

  Unifin has received and reviewed ***** ******** complaint and appreciates the opportunity to respond.
  
  An account under ***** ******** name and personal information was placed with our office by our client to make collection efforts on their behalf.  In response to ***** ******** complaint, Unifin ceased collection efforts,returned the account to our client, and notified them of ***** ******** complaint.
  
  If ***** ******* has any further questions or concerns, please contact our ********************* at ***********************************************************.
  
  Sincerely,
  
  Unifin ****

• Initial Complaint

  Date:03/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is fraudulent and full of harassment. They can never provide proof and every time they call I let them know the call is being recorded and they hang up in my face without another word. Theyre not legit and need to be stopped

  

  Business Response

  Date: 04/02/2025

  Unifin has received and reviewed ****** Bartleys complaint and appreciates the opportunity to respond.
  
  An account under ****** Bartleys name and personal information was placed with our office, by our client ******************************, to make collection efforts on their behalf. Based on ****** Bartleys complaint, Unifin ceased collection efforts related to the subject debt.  Please note that Unifin has ceased collections of the subject debt and notified its client of ****** Bartleys complaint. 
  
  Unifin appreciates ****** ******* s understanding and patience. Please contact us with any additional questions or concerns.
  
  Sincerely,
  
  Unifin, Inc.