ComplaintsforUnited Consumer Financial Services Company

• Initial Complaint

  06/01/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I bought a golden retriever puppy on May 6, 2022 at ******* with the finance option. The financing option used United Consumer Financial Services. Less than a week later, my sister was getting very sick which she has never gotten sick from animals before. We have documentation showing this. We contacted to see if any way we could return the puppy and all his items. We also mentioned we need his paperwork (we had never received a paper copy or email copy). So we had no information regarding our puppies health, age, or contract information. The customer service was very demeaning and rude on the phone. ******* insisted we rehome our golden retriever puppy. We are very upset with the fact that we would have to pay for a dog we are not able to keep for the next three years. We were told they would send the paperwork and it still did not come. We were able rehome him to a nice, loving home. However, we still needed the paperwork. We contacted ******* Mall of GA in writing and over phone since May 8, 2022. If you look, I am positive you can see multiple requests to get this sent to me. We called the United Consumer Financial Services to help us dispute this issue, as we were unable to keep him. We did everything ******* told us to do. ******* then sent over the contract saying we had 48 hours to return him, but we were never made aware of this time limit as they would not send us the contract and would tell us to rehome him. Every single person that we spoke to at ******* and in their customer service department was rude and unhelpful. We have evidence of all this occurring and spoke to United Consumer Financial Services regarding it, however they were of no help to us. We contacted for a dispute and they said since we did not give the dog back to *******, they could not insure a refund. However, this is all based on knowledge that was not made aware to us, and based on us doing what ******* instructed us to do. We need help getting this dispute, thank you,

  

  Business response

  06/07/2022

  Dear **** ********** 

  United Consumer Financial Service (“UCFS”) is in receipt of your complaint filed with the Better Business Bureau. UCFS has identified that you purchased a pet from ******* Mall of Georgia and financed this purchase through a Retail Installment Sales Contract/Security Agreement with ******* Mall of Georgia (the “Agreement”). ******* Mall of Georgia assigned the Agreement to UCFS. As the legal holder of your Agreement, UCFS owns the account and is the legal recipient of any and all monthly payments due under the Agreement. 

  In your complaint, you state that you had not received a copy of the Agreement at the time of sale and you had asked the merchant for a copy several times before receiving a copy. The Agreement contains a disclosure above your signature line indicating you acknowledged the receipt of a completed copy of the Agreement. By signing the Agreement, you acknowledged that you received a copy of the Agreement and you understood and agreed to the terms of the Agreement. 

  In your complaint, you indicated you had re-homed the pet under the advice of ******* Mall of Georgia. As expressed in the Terms and Conditions of the Loan, UCFS does not provide any warranty on any product or services. ******* Mall of Georgia is not a representative of UCFS and UCFS merely purchases the consumer contract. If you entered into a separate agreement with ******* Mall of Georgia, that is a separate and distinct agreement from the Loan. 

  At this time, ******* Mall of Georgia has not notified UCFS that the Agreement between them and you have been cancelled. 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 your complaint should you provide additional information to substantiate your complaint. 

  Please contact a customer service representative at 1-800-338-6507 with any questions you may have pertaining to payments. Any questions or concerns regarding the purchase itself should be directed to ******* Mall of Georgia. 

   

  Sincerely,

  UCFS Legal & Compliance Department

  Customer response

  06/07/2022

  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.
  
  I reject this as, ******* told us multiple times to rehome the puppy, and would not give us the contract information. If we had the contract information, we would have followed the guidelines on there. I signed the documents when at the store, however they never gave us any information at all. I contacted ******* multiple times through their website inquiry, which I am sure can be investigated. We were not made aware at all that there was a return policy, as they were only insisting for us to rehome our pet. We do not have the dog and have done everything ******* told us to do. It is completely wrong that we have to go through this and fight paying for something for the next three years that we do not have. Moreover, we have been fighting this since the first moment we realized the dog was making my roommate sick. Please help us with this.

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

• Initial Complaint

  04/04/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I was contact by *** ***** *** ****** They said that they could help me with my taxes. They set me up with United Consumer for finance. The money is to pay for them doing my taxes. The payment is $185.79 for three years. The problem is, this company has not contacted me again. However, they are still taking money out every month, because they had me set up ACH withdrawals. I am also still receiving notices from the IRS. The only reason that I haven’t stopped payments is because I do not want my credit ruined.

  

  Business response

  04/11/2022

  Dear ****** *****: 

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better Business Bureau on April 4, 2022. 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

  04/18/2022

  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. Nationwide Tax Experts is one independent merchant with which UCFS has a contractual relationship. Nationwide Tax Experts like other merchants that UCFS works with, is not an agent, legal representative, or corporate affiliate of UCFS. 

  UCFS contacted the merchant who sold you your tax repair service; the merchant 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 obligation to UCFS. A refund of your payments will be sent in a separate mailing. 

  Please direct any questions or concerns to the independent merchant as UCFS no longer holds or services this debt. 

  Sincerely,

  UCFS Legal & Compliance Department

  Customer response

  05/04/2022

  RECEIVED BY BBB STAFF MEMBER:

  I received my reimbursement check. Thank you very much! 

• Initial Complaint

  03/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have solicitude regarding the inaccurate reporting of my account. I'm requesting an affidavit of the ***** (Cancellation of Debt) for which I have not received from the company as of this date (March 29, 2022). Under the Accordance, of the Fair Credit Reporting Act 26 U.S.C. Section 6050P - returns relating to the cancellation of indebtedness by certain entities. This relieves the burden and gives UCFS the benefit of a reduce tax debt of forgiveness. In addition, the state of Maryland statute of limitation on debt is 3 years. I would like to move forward by saying that, the reporting of this account to the major credit bureaus are false and a misleading of representation. I have found several violation under the **** 1681i(A)(1.A). I'm requesting the following information: - affidavit of the reporting to IRS 1099C (Cancellation of Debt) - the reporting of the initial charge-off date - inaccurate reporting of incomplete account number - inaccurate reporting of erroneous payment history - inaccurate date of last activity

  

  Business response

  03/30/2022

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

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on March 29, 2022. 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 800-344-5000.

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

  UCFS Legal & Compliance Department

  

  Business response

  04/11/2022

  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 Kirby Home Cleaning System on December 16, 2016. 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 and determined the credit reporting of your account is accurate based on your payment history. Our records indicate your account with UCFS was Settled in Full after charge off as of August 10, 2021. You were notified of this by letter sent to you on November 29, 2021, and January 3, 2022, via email at your request. A copy of the letter is enclosed. 

  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. 

  Based on the information provided and the conclusion of our investigation, UCFS believes the credit reporting performed on your account to be accurate. UCFS will reevaluate your complaint should you provide additional information concerning your claim. 

  If you have any further questions concerning this matter, please feel free to contact a customer service representative at 800-344-5000. 

  Sincerely, UCFS Legal & Compliance Department 

  Customer response

  04/11/2022

  [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

  02/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I,m not liable for this debt with United Consumer Fin, and do not have a contract with this company. They did not provide me with the original application or appropriate records.

  

  Business response

  03/01/2022

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

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

  According to our records, you signed a retail installment sales contract (the “Agreement”) for the
  purchase of a ***** Home Cleaning System on June 6, 2017. UCFS verified the terms of the Agreement
  with you on June 6, 2017. The Agreement was between you and the independent merchant who sold
  you the consumer product. UCFS purchased the Agreement, thereby, indirectly financing this
  transaction. A copy of the Agreement is enclosed.

  UCFS reviewed and determined the credit reporting of your account is accurate based on your payment
  history. UCFS notified you of the delinquency by telephone call and letter. Your account was paid in full
  and closed upon receipt of your last payment posted August 4, 2020. While your account was paid in
  full, your account was not paid as agreed according to the terms of the contract as the final payment
  posted August 4, 2020, was due January 2, 2020. A copy of your Payment History is enclosed showing
  the delinquency throughout your account history.

  Please review the enclosed documents. If you believe the Agreement is not yours or you believe the
  history is inaccurate, please provide additional information to support your dispute for evaluation.
  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.

  Sincerely,
  UCFS Legal & Compliance Department 

• Initial Complaint

  02/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  on 2/16/2022 they auto withdrew 89.49 from my account 89.49 account number 751644. I did call them on 2/3/2022 to inform them i was out of work for 3 months and I need to see if i could defer payments tell i could get back to work and earn my usually steady income. I was told that if i didnt make the payments on time i would just have to pay more each month on top of finance fees. I couldnt do either one. Was treated rudely after i said i couldnt make payments. Was no help in even trying to figure a way out for me.

  

  Business response

  02/17/2022

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

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better
  Business Bureau on February 16, 2022. 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

  02/23/2022

  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 contacted a UCFS customer service representative on January 14, 2022, to discuss your account with our company. During this conversation, you indicated you had stopped your monthly pre-authorized electronic funds transfer through our website. You requested to have the pre-authorized electronic funds transfer reinstated February 16, 2022. You indicated that you would call UCFS back to set up an electronic funds transfer for the January payment on February 1, 2022. You did not contact UCFS on February 1, 2022, as discussed. A letter was sent to you on January 25, 2022, to remind you of the pre-authorized monthly electronic funds transfer scheduled to start on February 16, 2022. 

  On February 16, 2022, you cancelled the pre-authorized monthly electronic funds transfer through the UCFS website. As it stands now, your account is currently past due for the January and February monthly payments. 

  UCFS found no indication of withdrawing an unauthorized payment from your account. If you have additional information to support UCFS withdrew an unauthorized payment, please forward that to UCFS for further evaluation. 

  UCFS sympathizes with your situation and encourages you to contact a customer service representative to discuss payment options. 

  Sincerely, UCFS Legal & Compliance Department

• Initial Complaint

  12/24/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  They willing pit me on a Covid-19 plan. It accordingly to them was ended in January 21. Telling me payments were deffered till December 21. Now they don't know what happened, no notification and said accounting has to figure it out. I was promised a call I'm 24 to 48 hours. That was 4 days ago. They are so unorganized and are hurting my credit

  

  Business response

  01/04/2022

  RECEIVED VIA EMAIL BY BBB STAFF MEMBER:

  Dear ***** ********: 

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better Business Bureau on December 24, 2021. 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 800-344-5000. 
  Thank you for your patience while we complete our internal review. 

  UCFS Legal & Compliance Department

  

  Business response

  01/12/2022

  RECEIVED VIA EMAIL BY BBB STAFF MEMBER:

  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 notified UCFS you were impacted by Covid-19 and UCFS temporarily held
  your account from collection efforts and advanced your due date to bring your account current to assist
  you. You did not provide UCFS with documentation to support being impacted by Covid-19 and your
  account was released from the Covid-19 program. You were notified by telephone call and letter as to
  when your payments were due and the subsequent negative credit reporting if payments were not made
  according to the re-aged payment schedule.

  In December 2021, you once again informed our customer service department that you had difficulty
  paying due to Covid-19. You did not provide documentation to support this and you were advised your
  account did not qualify for another due date advancement. As a courtesy, UCFS waived $57.26 in late
  fees as UCFS is sympathetic to all of our customers impacted by Covid-19.

  As a courtesy, in an effort to resolve your complaint, UCFS has advanced your due date to bring your
  account current and your next payment due date is February 1, 2022, for the amount of $39.83.
  Based on the information provided and the conclusion of our investigation, UCFS believes the credit
  reporting to be accurate. UCFS will re-evaluate should you provide additional information to support your
  dispute.
  
  Sincerely,
  UCFS Legal & Compliance Department

• Initial Complaint

  12/22/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. UNIT CON FIN bal. $1,111.00 Acct # 6636****

  

  Business response

  12/27/2021

  Dear ******* ******: 

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better Business Bureau on December 22, 2021. 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 800-344-5000. 

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

  UCFS Legal & Compliance Department

  

  Business response

  01/04/2022

  RECEIVED VIA EMAIL BY BBB STAFF MEMBER:

  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 Kirby Home Cleaning System on May 16, 2015. UCFS verified the terms of the Agreement with you on May 16, 2015. The Agreement was between you and the independent merchant who sold you the consumer product. UCFS purchased the Agreement, thereby, indirectly financing this transaction. 

  During verification, you did not mention a problem with the Agreement or the product itself. If you had, UCFS would not have proceeded with indirectly financing this transaction. According to our records, UCFS spoke with you several times throughout the loan discussing payment arrangements and setting up pre-authorized electronic funds transfers. You did not mention a problem with the Agreement and you did not indicate you were a victim of Identity Theft in the opening of this account. 
  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 believe the debt is not yours, or you dispute the amount of the debt, please provide us with the specifics of the dispute and any documents which support your dispute for us to evaluate. 

  In order for UCFS to complete our investigation, we request that you complete the enclosed Affidavit of Forgery. Please have this form notarized and returned within fifteen (15) days of the above date. 

  United Consumer Financial Services

• Initial Complaint

  12/17/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Rainbow Vacuum sold me a Vacuum I don't want. Because it is not operable for me. The Financing was to be $3350 now says $5050 owed. This is a Pyramid Scheme at its worse. I have been entrapped by this company as well as Rainbow. I will make no payments to either. This equipt can be returned with no further dealings with this company. I have already today filed a complaint against Rainbow with bbb. This is fraud and illegal. Deceptive practices.

  

  Business response

  12/27/2021

  Dear ******* ********: 

  United Consumer Financial Services (“UCFS”) received the complaint that you submitted to the Better Business Bureau on December 17, 2021. 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 800-344-5000. 
  Thank you for your patience while we complete our internal review. 

  UCFS Legal & Compliance Department

  

  Business response

  01/05/2022

  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 the consumer product on September 8, 2021. UCFS verified the terms of the Agreement with you on September 8, 2021. The Agreement was between you and the independent merchant who sold you the consumer product. UCFS purchased the Agreement, thereby, indirectly financing this transaction. A copy of the Agreement is enclosed. 
  At the time of verification, you confirmed that you: (1) understood and agreed to the terms of the Agreement, (2) were satisfied with the sales presentation, (3) understood your obligation to us, and (4) that there were no other merchant commitments made to you. 

  The Agreement contains the required Truth-in-Lending disclosures. These Disclosures clearly explain the amount you agree to pay for the purchase, the finance charges you will incur for the purchase (stated as an Annual Percentage Rate), and the total of your payments under the Agreement. The number and amount of your payments is clearly explained in your Agreement. 

  The independent merchant confirmed the Agreement was not cancelled according to the terms of the Agreement. According to the Agreement, you had until midnight of September 11, 2021, to cancel the transaction. The independent merchant confirmed you sent your notice of cancelation dated October 26, 2021, and the merchant advised you this was outside of the date of cancelation. 

  UCFS encourages you to contact the independent merchant regarding any problems with the product at: ********* ************ *** *** ****** **** *** ***** *** ******* ** ***** ************ 

  United Consumer Financial Services

• Initial Complaint

  11/30/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am a client of UCFS, I have called about 20 times, and text my account manager in regards to my paperwork. I have received no return calls or text. They are refusing to give me copies of all my accounts paperwork. They are not responding or helping in anyway. I just want my papery

  

  Business response

  12/06/2021

  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 is aware of your request for account documents, specifically seeking the personal information concerning consumers in which UCFS indirectly financed retail installment sales agreements. According to our records, upon receiving your request for this sensitive information, UCFS notified you that UCFS would not comply with your account document request. In addition, UCFS’ also informed you why it cannot comply with your request, as this violates consumer privacy laws. 

  UCFS is also aware that you have continuously called, emailed, and sent text messages to UCFS employees, requesting these documents even after being informed that your request has been denied. Moreover, UCFS employees have asked you to stop making such requests, and you have not complied. UCFS is again asking that you cease asking for this information as it will not be provided. Any information that UCFS could legally provide to you has previously been provided, including information for repurchased and reassigned accounts. In essence, UCFS has fulfilled its legal obligations to you and will not be providing any additional information. 

   

  Sincerely,

  UCFS Legal & Compliance Department 

  Customer response

  12/14/2021

  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.
  I am not requesting sensitive accounts I am requesting information regarding accounts that have been reassigned to me. I notified UCFS as I recently moved and the documents were shredded in the process I need them resent for my accounts that UCFS is showing I have an outstanding balance for, which I am legally entitled to receive no matter how many times I ask for it. Otherwise if I do not receive those accounts which are being stated by UCFS as being assigned to ACT Distributing my company, then I will seek legal action for non-compliance of giving me my accounts. And then I will assume my account no longer has an outstanding balance.
  
  Regards,
  
  **** *******
  
  
  
  
   

• Initial Complaint

  11/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Due to the theft of my purse in late 2016 I have kept up monitoring my credit report through a reporting agency. I noticed this company on my report as a hard inquiry. I haven’t applied for any type of credit nor do I have any current credit payments of any kind..this is on my report for 2 years which could figure into any future attempts I may make to attain credit or rent a home and such. I did not nor do I know this company or any company associated with them because I haven’t applied for anything purposely so I could rebuild my credit record and have only one thing on my report that I am aware of and it’s a medical bill not associated to this company. I contacted the company only to be told I applied for a product I know I didn’t! While there is no money owed to them from me, that I know of, Getting them to remove the inquiry off my Experian report (and note it’s not on any other reporting agency records) has proved difficult..two years on my report seems a bit harsh for something I didn’t do but if I had and had been denied for some reason how can it stay on a reporting record if I didn’t receive a product, loan or contract for any item they deal with? Can you help me get this off my record as I believe it’s been done by someone else and I shouldn’t have to pay 2 years for something I didn’t do and lose something I may want to try to apply for because it! Please note that I have no idea what to include in this complaint because I have no mail, forms or anything as it relates to this company except this notation on my credit report and that’s limited except for a name and number listing it as a sales financing agency

  

  Business response

  12/01/2021

  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 has relationships with independent third-party merchants to purchase consumer retail installment
  contracts from merchants that sell products or services. ***** ********* – Inogen CA is one independent
  merchant with whom UCFS has a relationship. ***** ********* – Inogen CA is not an agent, legal
  representative, or corporate affiliate of UCFS.

  In reference to your inquiry dispute, this inquiry was made in connection to your application for financing
  on a consumer product through a Medical Call Center for the independent merchant on September 11,
  2020.

  After careful review, UCFS did not approve your application for financing. Enclosed is a copy of the letter
  we sent, notifying you of this decision.

  If you have any further questions concerning this matter, please contact the independent merchant’s
  office:

  ***** ********* – Inogen CA
  *** ******* ** ******* ** ***** ************

  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. ↩