Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
01/22/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company has ignored previous emails I sent them in October and has now placed a derogatory item on my credit report for debt that is NOT mine, and I believe they know it is NOT mine. Why? They sent me a claim (Unifin Reference #*********) DBA *************** Services for debt from a company called ****************. There are NUMEROUS complaints with the BBB about FRAUDULENT **************** debt that Unifin and subsidiary *************** Services keeps trying to collect. Unifin KNOWS the problem, and yet Unifin keeps pestering people to pay up, using Unifin's access to credit rating companies to run a kind of protection racket. This has got to stop. Unifin is bad actor, a predatory outfit abusing ** debt collection laws. The credit ratings companies should be notified and should block Unifin from filing derogatory items related to creditors like ****************, and the ***** needs to investigate.Business response
01/26/2022
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. Our client, ************************, LLC placed an account under your name with our office to make collection efforts on their behalf. Unifin, LLC and *************** Services, LLC are different entities and neither is a subsidiary of the other. We have no record of receiving any previous communications from you pertaining to this account. Your claims that Unifin is using credit reporting companies to run any sort of protection racket and using predatory tactics are completely false. Unifin did not report this account to the credit bureaus. Based on your dispute, the client has recalled the account and Unifin is no longer handling this account any longer. *************** Services, LLC will send you the validation documentation pertaining to the account. A copy of your complaint was forwarded to our client.Initial Complaint
01/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Hello I am contacting about reference ID ********** regarding a debt that I do not have and should not be involved in. I would like them to stop contacting me and stop telling me to pay off a debt I DO NOT HAVE.Business response
01/21/2022
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. Our client, ***************************** placed an account under your name with our office to make collection efforts on their behalf. Based on your dispute,our client has recalled the account and we will no longer be handling collection efforts on this account in the future. Further, ****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt.Initial Complaint
01/12/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear Sir or Madam:You are hereby given notice, pursuant to 15-U.S.C.A Sec. ****i, that I, ****** ********, disputes the debt listed on the letter prepared by you. The item disputed shows an attempt to collect a debt under Unifin Reference # ********** with a debt description of Pioneer Funding. Under the provisions of the above act, you must reinvestigate the item and if the item cannot be verified or is inaccurate or incomplete, you must promptly stop sending and/or calling me, as appropriate, based on the results of the reinvestigation.You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for my attorneys' fees.PLEASE GOVERN YOURSELVES ACCORDINGLY.Business response
01/17/2022
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. We are unable to identify an account under your name based on the information provided. If you could please attach a copy of the letter you received so that we may identify the account and address your concerns.Initial Complaint
12/29/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I saw ***************** on my credit score statement and contacted them. They said the account is owned by Unfin in regards to a ******* wireless account. I never had a ******* account, I am a tmobile user. When trying to contact Unfin I was told I do not have a collection account with them. These are illegal practices and want this resolved.Business response
01/06/2022
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client,*************************************** to make collection efforts on their behalf. Based on your dispute, your account has been recalled from our office and Unifin is no longer handling this account. Unifin will not attempt to contact you any further regarding this account. A copy of your complaint has been forwarded to our client. Based on your dispute, ****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt.Customer response
01/10/2022
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. Please ensure this gets removed from my credit report.
Sincerely,
**** DaleweijInitial Complaint
11/29/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
RE: Unifin Ref# ********** Debt Desc. Paypal Credit, This letter is in response to your letter dated November 15, 2021, Received November 26, 2021 concerning the above-referenced account number. This is not my debt, I have never had a paypal credit account and am wondering if your letter is some sort of a scam. Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that it is terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act, in addition to all APPLICABLE Federal and State laws. All the above-referenced account number communication must be in writing OR ON THIS SITE, and unless termination of referenced debt, must obey cease and desist.Business response
12/08/2021
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client,*************************************** to make collection efforts on their behalf. Based on your dispute, your account has been recalled from our office and Unifin is no longer handling this account. Unifin will not attempt to contact you any further regarding this account. A copy of your complaint has been forwarded to our client. ****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt.Initial Complaint
11/26/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Dear Sir or Madam:You are hereby given notice, pursuant to 15-U.S.C.A Sec. ****i, that I, Edwinjared ********, disputes the debt listed on the letter prepared by you. The item disputed shows an attempt to collect a debt under Unifin Reference # ********** with a debt description of Pioneer Funding. Under the provisions of the above act, you must reinvestigate the item and if the item cannot be verified or is inaccurate or incomplete, you must promptly stop sending and/or calling me, as appropriate, based on the results of the reinvestigation.You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for my attorneys' fees.PLEASE GOVERN YOURSELVES ACCORDINGLY.Business response
11/30/2021
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client,*************************************** to make collection efforts on their behalf. Based on your dispute, your account has been recalled from our office and Unifin is no longer handling this account. Unifin will not attempt to contact you any further regarding this account. A copy of your complaint has been forwarded to our client. ****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt.Customer response
12/02/2021
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,
Edwinjared ********Initial Complaint
11/15/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
This company is fraud. I have tried to work with them and they just hang up once you tell them that you are recoding for your records and legally. They hung up 3 times on me. If they are not willing to talk on recording they need to wipe my debt or give it back to ********* capital. They refuse to talk on recording (it's my right they record me I can record them as long as I tell them ahead of time witch I did). If they are not willing to be recorded the phone calls and letters need to stop under Washington state law they have been advised of this. ANY FURTHER COMMUNICATION WILL BE RECORDED FOR LEGAL ACTION AND MY PROTECTION. IF YOU DO NOT LIKE THIS WIPE THE ACCOUNT OR GIVE IT BACK TO ********* AND I WILL DEAL WITH THEM.Business response
11/26/2021
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client,*************************************** to make collection efforts on their behalf. We are sorry to hear about your frustration about trying to record the call. The representatives advised you they would not continue a call on a recorded line and have the right to terminate the call just as you could if you didnt want to be recorded. A copy of your complaint has been forwarded to our client.****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt and they have requested the credit bureaus delete their tradeline.Customer response
12/01/2021
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
11/15/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I called them on November 15th to settle a debt received an email saying they would accept the $500 debt settlement when I called back to say I wanted a letter from them saying that they will remove it from the credit report They denied when I then told them I would be recording the call for lawyers And to protect myself they hung up I called back multiple times they blocked my number All I am asking for since reading their reviews and reviews and saying that they do not remove it from credit reports once it's paid all I'm asking for I'm asking for is a letter from them saying they will do it and if they do not I can *** them for the agreement from the letter they refuse no payment will be issued until I have an email or letter stating stating they will remove it plus plus to come to find out that they are a dual collection agency agency so not only will it be unicef but it would be ********* and ******* I will get the run around about it being taken off credit unacceptable. The reviews are horrible for this company and no payment will be issued until I have an email or letter from both companies both companies stating it will be removed from my creditBusiness response
11/26/2021
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client,*************************************** to make collection efforts on their behalf. We are sorry to hear about your frustration about getting a letter that states the debt will be removed from your credit after its paid. As you were advised,Unifin cannot provide you with such a letter as Unifin did not credit report this account to the credit bureaus and has no control over any reporting done by other entities. You were advised to contact the current creditor, ****************************** with concerns regarding to credit reporting. A copy of your complaint has been forwarded to our client. ****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt and they have requested the credit bureaus delete their tradeline.Initial Complaint
11/01/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
RE: ACCOUNT # ********************************* DORAL BANK FSB TO WHOM IT MAY CONCERN:Re: ********** This letter is in response to your letter dated OCTOBER 19, 2021, RECEIVED NOVEMBER 1ST, 2021 concerning the above-referenced account number. After checking with my state attorney general and having confirmed that the statute of limitations on this type of debt has expired and is no longer valid. Therefore, if you choose to pursue this matter in ANY FORM, You will be forced to admit that the statute of limitations has expired and the referenced debt is time-barred. Let this letter serve as notification that ANY PARTY do not wish to be contacted about this debt any further except to be notified that it is terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act, in addition to all APPLICABLE Federal and State laws. All the above-referenced account number communication must be in writing OR ON THIS SITE, and unless termination of referenced debt, must obey cease and desist.Business response
11/08/2021
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client to make collection efforts on their behalf. Based on your dispute of the account,your account has been placed in a disputed status in our office. Validation documentation will be forwarded to you once it is received in our office. Due to your cease and desist demand, Unifin will not attempt to contact you any further regarding this account. A copy of your complaint has been forwarded to our client.Customer response
11/09/2021
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,
*** IceInitial Complaint
10/31/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
On 10/25/21 I received a letter from Unifin stating they were attempting to collect a PayPal debt. I do not have a PayPal account, this is fraud. I request your assistance to have this fraudulent company stop contacting me.Business response
11/04/2021
We appreciate the opportunity to respond to your complaint to the Better Business Bureau. An account was placed with our office under your name by our client,*************************************** to make collection efforts on their behalf. Based on your dispute, your account has been recalled from our office and Unifin is no longer handling this account. Unifin will not attempt to contact you any further regarding this account. A copy of your complaint has been forwarded to our client. Based on your dispute, ****************************** has advised us that in order to resolve this matter, they have terminated collection efforts on this debt.
*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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
354 total complaints in the last 3 years.
166 complaints closed in the last 12 months.