Customer ReviewsforUnited Consumer Financial Services Company

DO not, do not , do not use this company!! they will ruin your credit & they are dishonest & A complete scam!! ISTAY FAR FAR FAR AWAY!!! Do yourself a favor & DO NOT GIVE THESE PEOPLE YOUR MONEY!! IT IS A COMPLETE SCAM!! THEY HAVE RUINED MY LIFE!! I GOT INTO ANOTHER PAYMENT With the promise i no longer had to pay my time share, biggest mistake of my life!! My credit has been ruined, I now owe my timeshare plus another $8k, no one answers the phone @ EZ advocates or responds to emails, this has been nothing but unfulfilled promises & COMPLETE SCAM!! THEY DO NOT HELP YOU!! THEY ONLY HELP THEMSELVES & SCAM YOU FROM THOUSANDS OF $$ & HELP YOU RUIN YOUR CREDIT & LIFE.. I have tried to work this out amicably & now NOTHING!!

I was contacted in September of 2023 by ******* *** ***** that informed me the government was about to start garnishing my wages due to a tax debt. In order for the "tax group" to negotiate the debt down with the government for me, I was told it would cost me $8000.00-$10,000.00 which ******* *** ***** charged. When I explained I could not afford that they connected me via telephone with United Consumer Financial Services in order to secure a loan through them. United Consumer Financial Services received from me an initial $300.00 payment followed by 3 more $300.00 payments in October, November and December. In December after no further communication from ******* *** ***** I started worrying. Absolutely nothing was happening concerning my tax debt and after several attempts to contact ******* via telephone I got nowhere and was frequently disconnected. I immediately contacted United Consumer Financial Services to make them aware that I was being scammed and would no longer need the loan. They, in turn told me I was still responsible for the loan even though I never received a loan, rather I paid them $1200.00. For the last 7 months I have been harassed with emails, phone calls and letters from United Consumer Financial Services that I am still responsible for the loan. I was able to successfully dispute two of the $300.00 payments through my bank, so they did get $600.00 from me. In my several attempts to communicate with them I have spoke with a different person every time and at one point was told ******* just needed to contact them and let them know I was no longer using their services. I tried that as well and nothing has happened to date. I am still being harassed. Now I have been scammed twice.

They don't even deserve a star-SCAM – AVOID AT ALL COSTS. Tax Relief Advocates (TRA)-- their tax prep work is faulty, they steer you towards predatory financing by their third-party financing company UCFS at 19.99% interest, and they do not honor their advertised “money-back guarantee. In January of 2022, I contracted with them to submit an Offer in Compromise letter to the IRS for the $6,000 in taxes that I owed and prepare both my husband’s and my 2022 federal and state income taxes. They charged me $2,500 for their services. They botched our 2022 taxes and charged us another $2,800 to “represent” us for taxes we did not even own the State of Kansas. Another SCAM. Kansas sent us a letter stating we owed $8,000 and threatened to put a lien on our home. In March of 2023, we discovered the error ourselves and hired an independent accountant to correct our federal and state income taxes. We also learned that TRA never filed an Offer and Compromise letter for me with the IRS. When confronted with their errors. TRA said they would only refund part of what we paid them, and any settlement money had to be used to pay off their third-party finance company UCFS. TRA ended up costing us THOUSANDS and UCFS dinged our credit as we disputed the second contract based on TRA’s errors. With that money we could have already paid off the IRS. Both TRA and UCFS have dishonest business practices and are scammers!

Horrible! I had contacted a Tax Relief company thinking I could use some help paying off a tax debt. When I found out how much they were going to charge me I decided not to pursue the help. I told them no thanks and this was before I submitted their client profile form and before I sent them the description of my tax issue. Then I started receiving notices from United Consumer Financial Services Company stating my payments were going to be extracted from my account on a monthly basis. Trying to talk to them or the Tax Relief company has not fixed the situation.

I created an account to relief my taxes from 2022 that I wasn't able to pay, I used this website *****************************/ everything looks legit so far, supposedly the tax reduction was more than a half of my debt so I am paying to them, the only thing is that I am charged by this company United Consumer Financial Services enlisted like a big financial scam, nowadays I am not sure if I am just paying monthly to UCFS in vane or actually my tax relief from America's Choice Tax is relieved. I don't even know how to corroborate this information, the whole process was easy, and as I said I hope is legit, I am a little scared because I am still "paying my taxes" through them, Idk much about how this works or how to corroborate all I agree and permissions with them.

I was sold a product under false pretense and my documentation doesn't match the company. I was told my product would be one price and wasn't. I was told $1400+ taxes but I was charged over $2000. Mind you the representative came to my door asking if he could come in and explain and show me the product only for him to tell me that I had to purchase a $2000 product after he finished because he opened it. I was not interested in.a high product and he got in the phone with his boss I assume to then turn around to tell about the product.. I was assured I wasn't financing the product that I was purchasing it for $1400 flat out. So I had to speak to someone to give them my bank information and that was that. My credit monitoring went off yesterday and it showed me that I was charged over $2000 ,for a Kirby vaccumm cleaner and when I called the company they documentation they had didn't match mines. I found out I was entered into a financing contract. She then gave me information to contact the actual manufacturer itself and they told me they didn't have anything to do with. The information that they have gave me from search from the serial number off the product. I was able to find the company online to find out I have no contract. Lastly as I'm looking at the bbb website trying to find a way to that website.

I had an account for a little over two years I payed it off back in May I followed instructions to turn off aurmto pay and come the end of the month was charged for another installment. I called to advise them and they assured me it would get refunded. Well here we are in August and I've yet to see my 200 plus payment which was taken out of my checking account without authorization. I contacted my bank and because I had trusted UCFS to rectify their error it was too late for my bank to deny the charge. Becarful with this Company.

I have not gotten no payment book and and the united consumers financial told me that they would get me one. I have payed extra money to them.i do have good credit.i will not get no more loans though this credit union

My mother passed away and as a result I was late on my payment because I was tending to my family. Who knows if I was contacted, I was busy.. dealing with the death of my mom. In case you're wondering if they will help you remove the flag on your credit report the answer is NO. They won't even speak to management and they also told me that they will deny any appeal I make to the flag on my credit report should I choose to dispute it. Just be aware that if anything goes wrong with your payments prepare to be screwed. In case you were wondering if there is a shred of humanity left in these kinds of company the answer is also NO. I've officially filed a complaint with the consumer protection agency of my state. I'm next prepared to submit a dispute to the credit agencies and if needed higher a lawyer. You don't get to screw the little guy, I know my rights.

Crazy interests rates, zero communication, they don't respond to messages sent via their secure online message system, they report on your credit the whole balance including interest for the whole term of the loan even though you have 6 months same as cash to pay off and the interest hasn't even accrued yet. don't use