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:04/08/2025

  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.

  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 Shroyer

  

  Business 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:03/25/2025

  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.

  Tax services 10/24 11k Service not provided accurately or according to promise. Keep reporting after cancellation of service

  

  Business 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: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.

  From 10/23-2/25 I paid 377.71 monthly for a service that was never provided

  

  Business 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: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 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:Customer Service 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 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].

• Initial Complaint

  Date:03/10/2025

  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.

  On 1/23/23 I was contacted by Timeshare Legal(TL) about canceling my Capital Resorts(CR) timeshare as my wife and I were experiencing life-changing medical issues. On 2/28/23 my wife was out of the hospital, and we agreed, with the understanding they worked with(CR). A year went by as they said it would be settled by then but was not.(CR) contacted us and said that they had no affiliation with (TL). (CR) informed me that they do not work with any third party cancellation companies and no one had tried to contact them until now. Despite my repeated attempts to cancel with (TL), they continued to draft $189.47 for 11 months $2.084.17 I terminated the draft. On 01/31/25, I was notified that a debt of $378.94 was due and the collection manager said he did not care what (TL) was not doing but I owe them United Consumer Financial Services(UCFS) the entire amount of the services. $5,305 was reported to my credit by (UCFS), showing only 40% paid off. I did not authorize this loan; it appears (TL)took it out in my name without our consent. I never called (UCFS) to finance this scam. I request that this fraudulent debt be removed from my credit reports immediately. The unauthorized loan violates my rights under the following Acts (TILA), (FCRA), and may constitute unfair practices under the (FDCPA). I am a honorably retired disabled veteran. Save your letters and prepare a full refund. I expect this issue to be resolved and the debt removed from my credit report within 30 days. If not resolved, I will consider further legal action. Please provide written confirmation that the loan has been voided and my credit report corrected accordingly. I have since settled this same account with(CR) and they have taken the delinquency for the same account that (TL) was supposedly settling on our behalf. (TL) and (UCFS) will be considered one in the same. It seems that they like preying on old veterans and I will start collecting the data for a class action.

  

  Business Response

  Date: 03/26/2025

  United Consumer Financial Services (“UCFS”) completed its review of your complaint filed with the
  Better Business Bureau regarding services purchased from Timeshare Legal (“TSL”). 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. TSL is one independent merchant with which UCFS has a
  contractual relationship. TSL like other merchants that UCFS works with, is not an agent, legal
  representative, or corporate affiliate of UCFS.

  
  UCFS reached out to TSL regarding your complaint. According to their Director of Customer Care, TSL
  has rendered all services per the service agreement between you and TSL and successfully canceled your
  timeshare. Although services were provided, TSL agreed to cancel to resolve your complaint.
  Accordingly, UCFS has also closed your account 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 reporting history. A refund of $1,515.76, representing the
  payments paid to date to the above referenced account, will be 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 our Compliance Department at
  [email protected] or contact TLS directly. The merchant’s contact information on file is:

  ********* *****
  1 E BROWARD BLVD STE 1503
  FORT LAUDERDALE, FL 33301
  888-328-2203

• Initial Complaint

  Date:02/11/2025

  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 not liable for debt with UNITED CONSUMER FINA. I don’t have a contract with UNITED CONSUMER FINA they did not provide me with the original contract like I requested.

  Customer Answer

  Date: 02/18/2025

  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 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,
  ******* *******
  
  
  
  
   

  Customer Answer

  Date: 02/18/2025

  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 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,
  ******* *******
  
  
  
  Please see the attached for the response provided by the consumer
   

  

  Business Response

  Date: 02/21/2025

  You advised United Consumer Financial Services Company (UCFS) that someone used your name(s) fraudulently
  on a finance agreement for the purchase of a consumer product with an independent merchant. We regret any
  inconvenience this may be causing you.
  In order for UCFS to complete our investigation, we request that you complete the attached Affidavit of Forgery.
  Please have this form notarized and returned within fifteen (15) days of the above date.
  Again, we would like to apologize for any inconvenience this may have caused you. If you have any questions
  or concerns, please feel free to contact our compliance team at [email protected].

• Initial Complaint

  Date:02/03/2025

  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.

  ***** ****** * ****** ****** had timeshare together. United Consumer UCFS continued to take money out of account even after timeshare had sold. $243.78 for 12 months

  

  Business Response

  Date: 02/27/2025

  business emailed response:

   

  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 signed a retail installment sales contract (the “Agreement”) for the
  purchase of a timeshare cancellation service on January 16, 2024. UCFS verified the terms of the
  Agreement with you on January 16, 2024. Our verification including confirming that you understood the
  financing Agreement was for the purchase of the service and not for the timeshare property or
  associated fees. 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 Timeshare Legal on your behalf, regarding your complaint. According to Timeshare
  Legal, services were provided and successfully completed according to the service agreement between
  them and you. Timeshare Legal indicated they had been in contact with you throughout the process
  including advising you that the property had been sold on December 31, 2024 considers payments due

  according to the financing Agreement as the purchased services were provided according to the service
  agreement between you and Timeshare Legal. UCFS will re-evaluate should additional information be
  provided for further review

• Initial Complaint

  Date:12/30/2024

  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 not liable for this account. My information from this account was exposed in the 2024 social security data breach, which was reported to the FTC. According to 15 USC 1681, I am entitled to my information being kept private United Consumer Fin. has not provided documentation on this account and how they are protecting my personal information.

  

  Business Response

  Date: 04/11/2025

  
  United Consumer Financial Services (“UCFS”) received your complaint filed with 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 a puppy and supplies on February 12, 2018. UCFS verified the terms of the Agreement with
  you on February 13, 2018. The Agreement was between you and the independent merchant who sold
  you the puppy and supplies. UCFS purchased the Agreement, thereby, indirectly financing this
  transaction.
  UCFS reviewed your above named account ending in 543 and determined that the negative credit
  reporting performed on your account is accurate based on the payment history. Your account was not
  paid as agreed according to the terms of the Agreement and you were notified of the delinquency and
  subsequent negative credit reporting by telephone call, e-mail, and USPS mail service.
  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) includes all supporting documentation required by the furnisher to substantiate
   the basis of the dispute.
  UCFS reviewed your claim that you are not liable for this account and determined that the information
  you provided is inconclusive. The e-mail address you provided in your complaint matches the e-mail
  address associated with your account ending in 543. You did not provide any additional identifying
  information such as an address or telephone number. According to our records, UCFS spoke with you
  several times throughout the account history discussing payment arrangements. You did not mention a
  problem with the purchase or indicate you believed you were not liable for the account.
  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. UCFS will re-evaluate should
  
  United Consumer Financial Services l 800-344-5000 l *** ******* ***** ********* **** ***** * ************ * ************************
  Consumer Financing for Retail Products, Professional Services, Medical Services & Products, In-Home Products & Services
  additional information be provided for review. If you believe you were a victim of identity theft in the
  opening of this account, please fill out and return the enclosed Affidavit of Forgery form along with an ID
  bearing your signature for further evaluation.
  If you have any further questions concerning this matter, please contact our Compliance Department at
  [email protected]. 
  

  
  

• Initial Complaint

  Date:12/23/2024

  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.

  On December 21, 2024, UCFS claimed that I owed them for theUnited Tax Defense in the amount of $9,898.92. I have never owed taxes in my life, but have always received tax refunds. Therefore, this is a fraudulent charge. How they got my Zions Bank checking information, I do not know, but they have been able to take out $2,498.92. I have tried several times to call and wait for a long time on the phone only to get a message which tells me that there is no one to take my call and then it hangs up. That is why I feel it is a fraud and I need you to help me get my money back. I am a senior - 73 years old living on social security and do not have much money. I feel these people are preying on elderly people including myself and they have managed to get $2500 from my bank account without authorization. I would appreciate your help immensely because I have tried so many times to contact them, but they have not been kind to help me to refund my money.

  Customer Answer

  Date: 01/24/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.  They said they would make sure this was taken off of my credit report and I want to make sure it is done.. I expect a check in the mail for the refund in the amount of $1,924.79 as soon as possible. I do not understand why it went on so long (since 12/23/24 until now to take care of this problem. Every time I called, I was either put on hold forever, when I asked to be called back, they never did, and their service was very poor. It is unfortunate that it has caused so much stress, but it could have been taken care of some time ago. 

  
  Regards,
  
  **** ********