ComplaintsforUnited Consumer Financial Services Company

• Initial Complaint

  07/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

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

  

  Business response

  07/09/2024

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

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

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

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

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

  Sincerely,
  UCFS Compliance Department

  Customer response

  07/17/2024

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

• Initial Complaint

  06/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

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

  

  Business response

  06/25/2024

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

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

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

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

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

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

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

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  06/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  

  Business response

  06/17/2024

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

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

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

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

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

  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  06/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

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

  

  Business response

  06/06/2024

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

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

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

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

  UCFS Compliance Department

  

  Business response

  06/17/2024

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

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

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

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

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

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

• Initial Complaint

  05/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  

  Business response

  05/28/2024

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

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

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

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

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

  UCFS Compliance Department

  Customer response

  06/05/2024

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

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

  

  Business response

  06/17/2024

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

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

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

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

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

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

  UCFS Compliance Department

• Initial Complaint

  04/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have a loan through this business due to a Timeshare exit scam. The scam contract is with **** LLC (Vacation Ownership Advocates And Consultants) I spoke with **** ****** 813-808-1443 on Tues April 16, 2024 because I have been paying for assistance with a time share exit from Hilton and Wyndham. Our Hilton one foreclosed with no assistance. I have been asking for status and I am told we do not return items timely. I have and have emails stating and confirming information was received. Juli even offered to give me a caseworker because I am almost there with Wyndham.. I declines and called Whyndam and the contract was canceled/foreclosed on 8/12/2023. The financing came from this business UCFS. I have reached out to them to inform that was a scam. No work or assistance was received and this has been going on 2 years. Even this week Juli is still trying to keep ne stringing along. I have filed complaints with each company. I have already lost thousands of dollars due to this scam and I am asking for assistance in any way.

  

  Business response

  04/23/2024

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on April 19, 2024. Please know that we take every customer concern very seriously,
  whether your concern is with our company or with the business from which you made your purchase.

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

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

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

  UCFS Compliance Department

  

  Business response

  05/28/2024

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

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

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

  According to our records, you signed a retail installment sales contract (the “Agreement”) for the
  purchase of a timeshare relief on August 30,2022. 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 **** on your behalf regarding your dissatisfaction with the services you received with a
  timeshare exit from Hilton and Wyndham along with your claim that no work or assistance was received
  going on 2 years. According to **** ******, Director of Client Services at VOAC, you are successfully out of
  both of your timeshares, which was your goal upon signing up with their company.

  **** ****** provided additional information regarding the work performed on your Hilton and Wyndham
  timeshares. She indicated that ******** *** handled your Hilton timeshare which was successfully
  cancelled. A separate exit team handled your Wyndham timeshare case. According to **** ******, the
  Wyndham case was successfully cancelled as well.

  Although **** provided information regarding the services they provided, as a courtesy, UCFS decided
  to close your account ending in 349 with a zero balance and you owe no further financial obligation to
  UCFS. This action includes a credit reporting deletion.

  UCFS believes this adequately resolves your complaint. Please direct any questions to our Compliance
  team at [email protected] or **** ****** of **** at *************

  Sincerely,
  UCFS Compliance Department

  Customer response

  05/28/2024

  [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. 
  
  Regards,
  
  ****** ******
  
  
  

• Initial Complaint

  03/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  United Consumer Financial has put a charge off on my account. I had received the product before the Covid 19 pandemic in which I contacted them in order to try to set up a better payment plan due to loss of certian funds. I even tried to pay a lump sum of money to stop them from placing any late details on my credit report in which they said they would not and would work with me. Only to find out that they were continuing to charge me the same thing and kept calling me repeatedly after I had already set up an agreement with another service representative. I honestly just want it off of my credit report at this point as calling them has become a complete hassle because I can either never get in touch with someone or im given the run around. Im even willing to work with them to pay off the remaining debt if that would help get it off of my credit report but im having a hard time even doing that. Ive had a very tough time with this company and just wish they would do right by their customers. I wish they would have kept their word when it was promised. Im getting absolutely nowhere with their customer service representatives. The account seemed to be reopend without my knowledge and another fee was added for some odd reason. I just want to be done with this company as it was an absolutely horrible experience

  

  Business response

  03/21/2024

  Dear ******* ******r:

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau. 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. Please understand that while we work to
  resolve your concerns as quickly as possible, it may take some time for us to obtain information. We will
  notify you when the investigation is complete.

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

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

  UCFS Legal & Compliance Department

  

  Business response

  04/09/2024

  Dear ******* ******r:

  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 Kirby Cleaning System on January 25, 2020. The Agreement was between you and the
  independent merchant who sold you the product. UCFS purchased the Agreement, thereby, indirectly
  financing this transaction.

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

  UCFS maintains that it followed all applicable rules and regulations in the opening and servicing of your
  above named account ending in 5266. As a courtesy, UCFS decided to delete the credit reporting of the
  above named account from your credit reporting history. This modification may take 30 to 90 days to
  reflect on your credit report file. Please retain this letter for your records as confirmation of this action.

  If you have any further questions concerning this matter, please contact a customer service representative
  at 1-800-338-6507 or email at [email protected].

  Sincerely,
  UCFS Compliance Department

  Customer response

  04/09/2024

  [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. 
  
  Regards,
  
  ******* ******r
  
  
  

• Initial Complaint

  03/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 03/2023 I was promise a service that was not received I paid $1500 and did not get any of the things done and now they are putting late payments on my credit report after I told them they have not done what said and do not wont the service anymore

  

  Business response

  03/21/2024

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

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

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

  We will notify you when the investigation is complete.

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

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

  UCFS Legal & Compliance Department
  

  

  Business response

  04/16/2024

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

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

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

  UCFS contacted the independent merchant regarding your complaint. *********** provided
  information supporting the timeshare cancelation work performed on your case along with
  conversations they had with you concerning a request for your approval of a second letter needed to
  proceed with your case. UCFS encourages you to contact *********** to discuss this matter.

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

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

  If you have any further questions concerning this matter, please contact our Compliance team at
  [email protected] or contact *********** Administration Manager, ********* ***** ******** ** ****
  ******** ** ********************
  Sincerely,
  UCFS Compliance Department
  ************ *******************

  Customer response

  04/16/2024

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

  Customer response

  04/16/2024

  They have not did nothing to get the timeshare off they just trying to keep collecting money 

• Initial Complaint

  03/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I originally called this company to get help paying back taxes. I was told they could help me by cutting what i owed in half and they would electronically take $127 a month to pay the IRS. A year in i get a letter from the irs saying I'm delinquent on my payment plan. Found out through the irs that they had not paid anything. Come to find out the fees were going to pay their attorneys ect. So i paid in over $1700 and now I've stopped payment on there automatic withdrawal with that said my credit score has plummeted. And its ruining my credit. So this is destroying my credit and my livelihood.

  

  Business response

  03/21/2024

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

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

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

  On or about March 18, 2024, NTAS advised UCFS that they agreed to cancel the original contract between
  them and you. 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 a credit reporting deletion.

  UCFS maintains that it 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 NTAS directly as UCFS no longer
  holds or services the debt for the above named account. The merchant contact information on file with
  UCFS is:
  
  ******** *** ******** ******** **** ****** ***** **** * *** *** ******* ** ***** ************ ********** **** ********** ********** ************ *******************

• Initial Complaint

  01/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  ******* This constitutes a grave breach of contract by ******* * ****, leading to extensive damages under the agreement made in December 2022. ******* pledged to diminish my IRS liability from $14k to $2-3k, requiring my $5k financial commitment through UCFS. However, over the past two years, ******* failed to fulfill its commitments, resulting in financial loss, credit damage, and immense stress. Despite remitting nearly $2k in consistent payments to UCFS, ******* has not rendered the promised services. The IRS rejected the Offer in Compromise due to ********* incompetence, unprofessionalism, and misguided financial advice. ********* unprofessional conduct is apparent in frequent representative changes, redundant paperwork requests, and misleading advice. The lack of consistency and disrespectful behavior, including a representative managing my case while cooking, are unacceptable. ********* use of UCFS as a third-party for payments seems an attempt to evade accountability, raising ethical concerns and implying a strategy to shirk responsibility for unfulfilled services. Despite legitimate concerns, ******* and UCFS refused to disclose legal representation information, casting doubt on transparency and legality. The IRS no longer offers an OIC, eliminating the promised resolution. ******* is solely attempting to reduce my liability based on income, a task I could have undertaken independently without the need for their services and the accompanying $5k loan. I asked UCFS & ******* to suspend payments until resolution is achieved, but I was denied. I demand either a refund of payments made or a temporary suspension of payments to UCFS until a satisfactory resolution is reached. Additionally, I insist on the immediate reversal of any adverse credit reporting resulting from this situation. These actions are crucial to rectify the harm caused and provide a fair resolution. I expect swift attention to these requests to prevent further legal action.

  

  Business response

  02/29/2024

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

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

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

  UCFS contacted TRI regarding your complaint. TRI indicated that they have not breached their
  agreement with you and services have been provided to you in accordance with the Service Agreement
  between them and you. Currently, TRI is waiting for the IRS to officially release the offer in compromise
  so that they can move onto the next resolution. According to TRI, you were advised of the additional
  resolutions TRI can submit to the IRS on your behalf.

  Although services were provided, TRI agreed to cancel the agreement between them and you.
  Accordingly, UCFS is in the process of closing your account ending in 688 as a result of the cancelation.
  This action includes notifying the credit reporting agencies to delete the reporting of the above named
  account from your credit report.

  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 the independent merchant. The contact information UCFS has on file for TRI
  is:
  
  *** **** **** ***** ********* ***** *** *** ******* ** ***** ************ ********** **** ********** ********** ************ *******************

  Customer response

  02/29/2024

  [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. 
  

  With that said, it wil be noted that I Spoke with ****** from ******* and she understood that ******* promised to me in the begining of engagement that they guaranteed a reduction in my monies owed to the IRS base don teh information I provided, and because this has not been satisfactory, and the IRS rejected their OIC despite their promise to me, she agreed to cancel the loan.

   

  I accept the offer from UCFS for cancelling my loan and not require any payments starting today, 02/29/2024 and that all reporting to the credit agencies that are negative in nature will be removed.

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

  
  

*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. ↩