ComplaintsforUnited Consumer Financial Services Company

• Initial Complaint

  01/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm not liable with this debt with UNITED CONSUMER FINANCIAL. I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

  

  Business response

  01/08/2024

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

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on January 7, 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 ********************

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

  **** Compliance Department
  

  

  Business response

  01/16/2024

  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.

  According to our records, you signed a retail installment sales contract (the “Agreement”) for the
  purchase of a ***** Cleaning System on June 29, 2015. The Agreement was between you and the
  independent merchant who sold you the product. **** purchased the Agreement, thereby, indirectly
  financing this transaction.

  **** 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.

  **** maintains that it followed all applicable rules and regulations in the opening and servicing of your
  above named account ending in 1542. As a courtesy, **** decided to delete the credit reporting of the
  above name 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 ************** or email at *************************

  Sincerely,
  **** Compliance Department

• Initial Complaint

  12/17/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  ****** ******** *** *** *** ******* ** ********* **** ***** Account number: *******  I am not liable for this debt with ****** ******** *** **** as it is a false calm of identity theft. I have spoken with customer service at ****** ******** *** **** employee #9979 which informed me of several discrepancies with the information they have on file; email/phone, and an old address and said that a ****** ******* was purchased in my name for the amount of $7,582.00 from a company called ***** ****. A hard inuire occurd on my credit report on 10/22/23 from ****** ******** *** *** for a person loan of $7,582.00. and was report on 10/26/23 on my ****** *****. This was not me and I have filed a police report for with the Sterling Heights police department, case number ********* for identity theft. ****** ******** *** *** stated they would mail me fraud paperwork to fill out for identity theft, which I have not received yet. I have reached out to ***** **** and spoke with ****** on the phone, ************ who stated she had no record of me ever applying for a dog in their system and stated “I don’t think we’ve ever sold a ****** ******* for that much money before” but would inform the owner of the company of the situation. I have never and do not have a contract with them, this is a fraudulent account that should be removed from my credit report.

  

  Business response

  12/18/2023

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

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on December 17, 2023. 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

  01/08/2024

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

  United Consumer Financial Services 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, pets, or services. UCFS then holds the consumer’s retail installment contract and
  services the debt used to purchase the product, pet, or service. ********* 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. UCFS was unable to facilitate a
  resolution between you and the independent merchant. 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 our investigation, UCFS has decided to close your
  account with a zero balance. You owe no further financial obligation to UCFS. UCFS has also notified the
  credit reporting agencies to delete this account from your credit report.

  If you have any further questions concerning this matter, please contact the independent merchant
  directly as UCFS no longer holds or services the above named debt. The independent merchant’s contact
  information UCFS has on file is:
  
  *********
  **** ************ ** ************* ** ***** ************ ********** **** ********** ********** ************

  Customer response

  01/08/2024

  [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

  10/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The reported amounts of my loan is inflated which is a violation of UDAAP they have the loan amount as 5250 which is the amount that will paid with interest over the life of the loan if I pay only the minimum payments. My loan is for far less. The vendor stated they can report what ever they want incorrect when you report a new loan it’s the financed amount. We have copies of the signed documents and they are false reporting and I am filing a complaint with the CFPB as well

  

  Business response

  10/31/2023

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

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on October 27, 2023. 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 at
  [email protected].

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

  UCFS Compliance Department

  

  Business response

  11/08/2023

  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 reviewed your complaint and determined UCFS is accurately reporting the balance to the credit
  reporting agencies. You signed a financing contract that computes interest on a precomputed basis.
  Your account balance is expressed as a sum containing the principal and the amount of the finance
  charges computed in advance. UCFS collects finance charges with each of your monthly payments as we
  earn finance charges each month during your contract, therefore, interest is included in the amount
  reported to the credit bureaus.

  Please note that the method of interest computation is reflected in a disclosure on the financing
  agreement that you signed.

  UCFS maintains that it followed all applicable rules and regulations in the opening and servicing of your
  above named account ending in 854.
  
  Sincerely,
  UCFS Compliance Department

• Initial Complaint

  10/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  United Consumer Financial Services is reporting a fraudulent account on my credit file. I noticed a significant drop in credit scores and when I reviewed my credit file I noticed this account that I do not recognize. I immediately filed a police report for identity theft as I did not open this account. I filed the police report with South Jordan police department and the police report #**********. Please remove this account from my credit file.

  

  Business response

  10/05/2023

  Dear ***** ***:

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on October 4, 2023. 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 Legal & Compliance Department

  

  Business response

  10/20/2023

  Dear **** ***:

  United Consumer Financial Services received the complaint you submitted through the Better Business
  Bureau regarding your account with UCFS ending in 509. 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 Tax Services on November 12, 2020. UCFS verified the terms of the Agreement with you on
  November 13, 2020 using the telephone number that matches the telephone number included in your
  complaint. The Agreement was between you and the independent merchant who sold you the Tax
  Services. UCFS purchased the Agreement, thereby, indirectly financing this transaction.

  UCFS completed its investigation of your claim that you were a victim of Identity Theft in the opening of
  the above named account ending in 509. UCFS determined that you have not provided sufficient
  information to conclude that you were a victim of Identity Theft in the opening of this account. As stated
  above, the telephone number included in your complaint matches the application submitted for financing
  consideration. In addition to the telephone number matching our records, the physical address you
  provided in your complaint matches our records.

  UCFS spoke to you in January 2021 regarding payment arrangements on the above named account ending
  in 509. During this telephone call, you authorized an electronic funds transfer for $278.68 on January 7,
  2021 and authorized a recurring electronic funds transfer for $278.68 on your due date each month. You
  did not mention a problem with the account ending in 509 or that you believed you were a victim of
  Identity Theft in the opening of the account ending in 509. The recurring payment was cancelled on
  December 16, 2022 when your bank notified UCFS that you had revoked authorization. UCFS sent you a
  letter advising you that the recurring payment method had been cancelled. The letter was sent by USPS
  mail service to the address matching the address on your complaint.

  According to our records, your account ending in 509 charged off for non-payment on or about June 7,
  2023 in the amount of $3,622.84. You were notified of the delinquency and subsequent negative credit
  reporting via USPS mail along with attempting to contact you using the phone number that matches your
  complaint.

  UCFS reviewed the credit reporting performed on the above named account ending in 509 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) includes all supporting documentation required by the furnisher to substantiate
  the basis of the dispute.

  If you have additional information to support you were a victim of Identity Theft in the opening of the
  above named account, please provide that to us for further review.
  If you have any further questions concerning this matter, please feel free to contact our Compliance
  Department at *******************.

  Sincerely,
  UCFS Legal & Compliance Department

• Initial Complaint

  08/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They have a credit history months before I purchased with this company

  Customer response

  08/24/2023

  They have my credit report open months before I opened an account and refused to correct it

  

  Business response

  08/25/2023

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

  United Consumer Financial Services (“UCFS”) received your Better Business Bureau complaint regarding
  your account with UCFS ending in ***. 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 on October 4, 2021. The Agreement was between you and the independent
  merchant who sold you the pet. UCFS purchased the Agreement, thereby, indirectly financing this
  transaction.

  In your complaint, you allege that UCFS began credit reporting an unknown status for the above named
  account ending in *** prior to the purchase date. UCFS denies your allegation. UCFS could not have
  reported an account status to the credit reporting agencies prior to October 4, 2021 because UCFS did
  not have an application and contract on file prior to October 4, 2021. UCFS did not have your personal
  identifying information prior to October 4, 2021 and could not have reported an account status for an
  account that had not been created yet.

  UCFS completed our investigation and concluded that the credit reporting performed by UCFS is
  accurate and no modification is appropriate. UCFS encourages you to file a dispute directly with the
  credit reporting agencies regarding this matter.

  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.
  
  Sincerely,
  UCFS Legal & Compliance Department

• Initial Complaint

  08/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was contacted by someone saying she was ****** ******** ** ********** *** ******* saying I had a $5,800 tax balance with the IRS, she knew my name, my deceased wife name and banking account information (account number). She stated that she wanted to assist me with this matter, and did I have the money to make the payment, when I told her I didn't she transferred me to someone who suggested I use their finance company to settle the debt. I told Ms. Martinez, that I didn't know of any tax debt with the IRS she told me it was from old taxes when I filed with my now deceased wife. I was connected to the finance company who set up an account for me to make payments to the IRS. I spoke with a friend after doing this and they suggested I contact a tax professional. I contacted a tax preparer, Vera Gardner, who went to my account online with the IRS and also contacted the IRS and found that I did not have a balance due to the IRS and she was contracted by the IRS to collect the debt. I contacted the Finance Company, United Consumer Financial Services Company and explained the fraudulent activities of ********** Tax Experts and they said it was nothing that they could do because they paid a fee to ********** Tax Experts on my behalf to do services for me (services I didn't need because I do not have a tax issue with IRS and my understanding was that I was paying a balance due to the IRS and not a fee for any services). It is my opinion that United Consumer Financial Services Company might be aware if the fraudulent activities of ********** Tax Experts.

  

  Business response

  08/17/2023

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

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on August 14, 2023. 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 Legal & Compliance Department

  

  Business response

  08/28/2023

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

  United Consumer Financial Services received the complaint you filed 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 Experts (NTE) is one independent merchant
  with which UCFS has a contractual relationship. NTE like other merchants that UCFS works with, is not an
  agent, legal representative, or corporate affiliate of UCFS.

  UCFS spoke with the merchant who sold you the tax repair service; the merchant agreed to cancel the
  original contract between them and you. Accordingly, UCFS has also closed your account ending in 8395
  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 the reporting of the above named
  account from your credit history. Please allow 30 – 90 days for the credit reporting agencies to update
  their records.

  Please contact the merchant directly with any further questions or concerns as UCFS no longer holds or
  services the debt.

  Sincerely,
  UCFS Legal & Compliance Department

  Customer response

  08/29/2023

  [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.]

  RECEIVED VIA PHONE BY BBB STAFF MEMBER:

  
  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

  08/12/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  A company named *** which preys on the elderly pressured my parents to sign paperwork for a loan issued by this company. No right to rescission was provided. *** avoided our calls, and after three months cancelled the contract, however never sent the money back for the loan. We are being billed for something that never occurred. *** says there is nothing they will do but have let the funds claiming they have refunded our money. This is a lie because they are keeping the money from the loan they forced on us. I have sent certified letters and called multiple times and nobody will do anything. No right to rescission, fraud and elder abuse. These companies should not be allowed to operate.

  

  Business response

  08/15/2023

  Dear **** *****:

  United Consumer Financial Services (“UCFS”) received a complaint filed on your behalf submitted to the
  Better Business Bureau on August 12, 2023. 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 the complaint filed on your behalf. 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.

  UCFS cannot discuss or disclose information regarding your account with UCFS ending in **** without
  your permission. Enclosed is a 3rd Party Authorization Form for you to fill out and return if you would like
  UCFS to discuss your account with another person. The Authorization Form can be returned via email to
  [email protected] or by regular mail using the address at the bottom of this correspondence.

  If you would like to reach out to us directly, you can reach our compliance team Monday – Friday at
  [email protected].

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

  UCFS Legal & Compliance Department

  

  Business response

  08/22/2023

  Dear Marqus Stewart:

  United Consumer Financial Services (“UCFS”) received the complaint filed on a consumer’s behalf
  regarding his account with UCFS for the purchase of a product or services from an independent merchant.
  The complaint appears as if from **** ***** but the body of the complaint indicates that the consumer’s
  son was writing on behalf of his parents.

  UCFS investigated the complaint and remedied the issue directly with the consumer. UCFS cannot
  respond to the Better Business Bureau complaint filed on the consumer’s behalf as it would violate the
  consumer’s privacy rights. A solution was made directly with the consumer and cannot be disclosed
  because of the privacy considerations and regulations.

  If you have any further questions concerning this matter, please feel free to contact our Compliance
  Department at [email protected].

  Sincerely,
  UCFS Legal & Compliance Department

  Customer response

  08/27/2023

  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.
  
  please send a printable copy or a physical copy to our address as there is no print option for this pdf. We will complete the disclosure letter and upload to bbb file.

  
  Regards,
  
  **** *****
  
  
  
  
   

• Initial Complaint

  08/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My Mother passed away 12-22-2021. I was issued her death certificate and other copies i paid for. i sent a copy of the death certificate to United consumer financial svcs and called to verify they had received the information and to conclude that my mother did not have an estate. I recently received a notice July 25, 2023, a collection notice from **** *** *********** ** **** * ** ****** *** *** *** ******* ** ****** ************* They have requested a copy of my mother's death certificate and have asked me to fax or mail them a copy. Since i paid for a limited copy, i would need to purchase a copy and then pay to fax them the certificate which i should not have to do. I tried emailing them a picture of the original death certificate, but it would not go through. i should not be burdened with this invasive letter or pay for any other certificates.

  

  Business response

  08/16/2023

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

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

  UCFS received the copy of the Death Certificate included in your complaint and notified Bass & Associates
  to cease collection activity. UCFS apologizes for any inconvenience this matter may have caused you.

  If you have any further questions concerning this matter, please feel free to contact our Compliance
  Department at ********************

  Sincerely,
  UCFS Legal & Compliance Department

• Initial Complaint

  07/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  It several notices that they are reporting to my credit report and this is not my account also ask for proof that the debt was mine all has went unanswered .

  

  Business response

  07/24/2023

  Dear ********** ******: 

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better Business Bureau on July 23, 2023. 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 Legal & Compliance Department 

  

  Business response

  07/26/2023

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

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

  UCFS has relationships with independent third-party merchants to purchase consumer retail installment
  contracts from merchants that sell products or services. Upon purchase of a retail installment contract,
  UCFS holds the consumer’s retail installment contract and services the debt used to purchase the product
  or service. V. I. P. Marketing, Inc. (“VIP”) is one independent merchant with whom UCFS has a
  relationship. VIP 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 ***** Home Cleaning System on November 21, 2016. UCFS verified the terms of the
  Agreement with you on November 21, 2016 using a telephone number that matches the telephone
  number in your Better Business Bureau complaint. The Agreement was between you and the
  independent merchant who sold you the consumer product. UCFS purchased the Agreement, thereby,
  indirectly financing this transaction.

  UCFS reviewed your account and have determined that the credit reporting performed on your account
  to be accurate. Your account ending in **** was not paid as agreed and the account charged off due to
  non-payment. You were notified of the delinquency and subsequent negative credit reporting by
  telephone call and USPS mail.

  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.

  In your complaint, you claim this account did not belong to you, and that you had sent UCFS several notices
  asking for proof of the debt that went unanswered. According to our records, UCFS received two (2) debt

  validation requests from you, both dated July 10, 2023, and one cease-and-desist request received July
  13, 2023. On July 17, 2023, UCFS responded to your validation requests. At no point in your
  communications or letters did you indicate that you were a victim of Identity Theft in the opening of this
  account or provide any information to support that the above-named account ending in 2168 was not
  yours.

  Please note, that UCFS will continue to honor your cease-and-desist request dated July 13, 2023. UCFS
  will not respond further unless or until you withdraw your cease-and-desist request or you provide
  additional information to support your dispute.

  At this time, you have not provided sufficient information for UCFS to conclude that the above-named
  account ending in 2168 is not yours and the result of Identity Theft. Enclosed is an affidavit of forgery,
  please fill out and return the affidavit if you believe someone fraudulently used your identity to open the
  above-named account ending in 2168. UCFS will not release any additional account documents to you
  until additional information is provided to support your claim that you did not sign the Agreement or you
  withdraw your complaint regarding Identity Theft.

  If you have any further questions concerning this matter, please feel free to contact our Compliance
  Department at [email protected].

  Sincerely,
  UCFS Legal & Compliance Department

• Initial Complaint

  06/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  not mine and have no knowledge of account and i did not enter into no signed contract with this creditor and was not given any contract or copy as requested

  

  Business response

  06/20/2023

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

  United Consumer Financial Services (“UCFS”) received your complaint through 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 the ***** Home Cleaning System on January 25, 2020. UCFS verified the terms of the
  Agreement with you on January 27, 2020 using the telephone number that matches the telephone
  number included in your complaint. The Agreement was between you and the independent merchant
  who sold you the ***** Home Cleaning System. UCFS purchased the Agreement, thereby, indirectly
  financing this transaction.

  UCFS completed its investigation of your claim that the account ending in 6925 is not yours. UCFS
  determined that you have not provided sufficient information to conclude that you were a victim of
  Identity Theft in the opening of this account. As stated above, the telephone number included in your
  complaint matches the application submitted for financing consideration. In addition to the telephone
  number matching our records, the physical address, and the email address you provided in your complaint
  matches our records. UCFS spoke to you several times throughout the account history discussing payment
  arrangements with no mention of forgery or Identity Theft.

  The above named account ending in 6925 was closed as settled in full after charge off on or about
  November 24, 2021. UCFS updated the credit reporting of your account ending in 6925 to reflect the
  settled in full after charge off status.

  If you have additional information to support you were a victim of Identity Theft in the opening of the
  above named account, please provide that to us for further review. Enclosed is an Affidavit of Forgery
  form for you to fill out, have notarized and return along with a copy of an ID bearing your signature for
  further evaluation.

  In your complaint, you referenced that you were not given any contract or copy as requested. UCFS will
  provide a copy of the financing Agreement for your account ending in **** if you withdraw your claim
  that you did not sign an Agreement for the financing of a ***** Home Cleaning System on January 27,
  2020.
  
  If you have any further questions concerning this matter, please feel free to contact our Compliance
  Department at ********************

  Sincerely,
  UCFS Legal & Compliance Department

*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. ↩