United Consumer Financial Services did not send any information about my account such as payment coupons or exactly when the month no interest period endsWhen I called to pay off the account they told me I missed the deadline by a monthThe debt was now more than the original amountI feel that this is a very shady way to conduct businessI will never have anything to do with this company again
I purchased a *** Vacuum Cleaner from *** *** on June 14, At the time of purchase we were in the process of moving into our home Therefore, we had no furniture to demonstrate the product Unbeknowance to me I did not know I only had three days to cancel my contract So after moving into our home I realize we were having money issues and could not afford the vacuum Call the number that was given to me by *** and it is no longer in serviceCustomer service hung up on me and I am beginning to think this is a scam
My complaint about this company is very long and frustratingI called to pay off my account using the SAC optionWhen I called I had my contract handy and realized they gave me a ILLINOIS contract, I have never lived in that stateThe company also had no copy of my contract on file!!! I became irrate at this point because the people at this company seem like scam artists in the way that they work to collect a debt they are not founded and legally able to collectThe company of course had that I was to pay the full amount, a difference of about dollarsI called multiple times because when they said they would call me back the company never followed throughI finally got them to take a payment at the beginning of JULYThe payment information was taken and was to be applied the next dayThe money never came out so I had to call them backAfter being transferred around and many notes being read and placed on my accountA lady finally stated that they hadn't finished the paper
This product was purchased in the State of ***, and same was financed through United Consumer Financial ServicesThe product was purchased by my parents, both elderly, under my mother's name, and me as a co-signerMy father passed years ago (July 2016), and the only income of my mother is Social SecurityI called twice, asking this company to pleaseeeeeee, lower the interest rate, which is 20.95%, which is in the State of *** is against the interest-Usury StatuteThe first phone call to United Consumer the said I had to call the *** US, located at *** *** *** *** ** *** and ask them to lower the interest rate, which *** never returned my phone callI call again United Consumer and advised them their retailer in *** is not answering and their phone is disconnected, and they told me that the interest rate is already set up and they will not do an interest review on this matterThis company in ***, and their retailers in *** take adva
I entered a contract financing a product for monthsThe representative at that time told me that should I pay off the loan early, I was due a refund as stated in the contractI called to determine the pay off amount on April 7, which was one month past the halfway term of the contractI sent a check for the pay off amount plus $just to be sureThe check was cashed and the account closed About days later I called to confirm the account paid off and asked if I would receive a paid in full copy or letter to that effect and a refund as stated in the contract and told me by the representative at the time of the contract signing"Cathy" told me I would not receive a refund so I told her to look at my contract to find the stated early pay off-refund language; she did so but tried to explain that I would not receive a refund as far as she knew but she would look into in and send me a letter explaining the Rule
I waited a while only to receive that letter from H
I canceled my contract via telephone as well as a letter sent by way of *** a day after receiving the equipment through ***Over a month later, my bank account was chargedI called United Consumer Financial Services to request a refund for the erroneous charge on my accountI was told I will have to wait until UCFS speaks with the company that sold me the equipment and confirm the equipment was returnedAfter this confirmation, I would receive a refund check in daysI then spoke to a supervisor by the name of Joe at extension to request a reversal of the charge appearing on my accountJoe informed me that UCFS does not have the authority to reverse the charge on my bank accountI was told to stop payment with my banking institution and then UCFS would reimburse me for the stop payment feeI called my banking institution back and was told UCFS has the authority and ability to reverse the charge on my account through their merchant servicesMy banking institution s
When my husband and I saw the presentation of the rainbow vacuum cleaner we thought this would be a wonderful product to use in our homeHowever the problem came about ***s after when the vacuum cleaner was not picking up ANYTHING not even the smallest piece of paperSo we called the representative that sold our vacuum to us and he came out and fixed the problemIt was clogged up somehowMy carpet had not been wet or anything for this to happenHe showed me how to unclog it if it kept happening and indeed it has happened at least more times For a vacuum to cost IT SHOULD NEVER CLOGI have not made any payments as of yet due to my husband being in a rollover accident (in which he has injured his back and is not currently able to work) in his business truck so we were just not able to make payments along with our daughters being in collegeI AM NOT SATISFIED WITH THIS PRODUCT AT ALLAs a matter of fact I probably have used it about times since purchased the e
I originally set up auto payMy payments were never posting and I was getting late feesThis was due to the card being entered incorrectlyI've tried setting it up online, but the site tells me that my card information is incorrectI am entering it in exactly as it is on my cardI made my December and January paymentsIt took the representative three times to get my card right, and then she charged me twice$each timeShe said it would count as my February and March payments because she wasn't sure how to refund itI agreed to this arrangementThen I got multiple phone calls saying none Of my payments had been since NovemberI explained to multiple people about making the payment and the double chargeThe second charge ended up being reversed but the first one was processedNow I'm being told I'm behind and they've reported the payments as late on my credit reportI submitted the transaction on my bank statement and now I am being told they need my statement for th
I had bought a kirby through this finance companyThe first payment came due on a date that was not agreed on United consumer contacted me because the payment did not go through as a result of having no money in my bank account which resulted in my account going into the negative I had talked to a representative on monday and it was agreed that they collect the payment on the following FridayWell two days later on Wednesday they charged my account again resulting in my bank account to being overdrawn well over $which is a breach of agreement on their behalf I later had called the sales company and told them that I wished to return the product due to a breech of agreement and they claimed that there was a three day return policy which was not information that was provided to me I feel like I've been scamed especially after I found out that they tried to sell the same product to my neighbor for about $less I do not want the product anymore and I wish to return it but they re
I Purchased a Kirby Vacuum Sweeper and the dealer financed it through this company I never received any contact information from United Consumer Finance but I did have my bank account debited for the financing I had to call Kirby directly to get contact information I have made several attempts to contact United Consumer Finance but all I seem to get is our customer service reps are to busy to answer the phone please try your call again later When I finally did get through once (after my bedtime) the Rep said she would e-mail me the contact and account information I never received itThe rep did give me the payoff on the account but with account and contact information it is kind of hard to send the money
I decided to purchase a Rainbow vacuum cleaner in August of I was given a month deferral rate, which would put my 1st payment due in February United Consumer made a payment without my knowledge in November with a check that the sale rep said was for " his purposes only and would not be used to make a payment." I called the company and was told to send my paperwork in so I didI called back a month later and they said that nothing had been done, could I send in the paper again (showing my month deferral), so I didThis went on for another week and I finally spoke with a Manager (I think his name was JT or something like that) and he said that my account had been taken care of and that payment could either be refunded or count as my first payment due in FebruaryI asked for a refund and he said he would get that back to me, but it never was refunded, so I thought it would go towards my 1st Payment due in February When I finally created an account, they had m
SCAM SCAM SCAMThis company will debit your account multiple times when you're on autoThey will call you multiple times from different numbersNever buy a *** if its financed through United Consumer Financial ServicesIve never dealt with anything like this in my lifeHow do I just give the *** back, Im over it
I paid my account in full payment was completed 4/11/
Auto debt was turn off after account was paid in full but my account was still debited on 4/12/
I received the following note:
"Thank you for your web message regarding your accountYou'll recieve your refund within 30-days from the date the last payment postedThe payment posted 4/12/So 30-days from that dateThank you!"
Please explain why I must wait - days for my refund
I have paid you on time paid off balance early with a cashiers check!!
Again why must I wait - days for my refund!!!
I have the original letter from United Consumer Financial Services (www.ucfs.net) stating that $would be deducted from my bank account in monthly payments beginning August 17, Therefore, the last payment would have been on July 17, I received a letter that was dated July 29, that there was a past due amount of $that was due on July 17, however they did indeed withdraw the payment of $from my bank account on that date!! I got another letter the same day that was also dated July 29, that they were "unable to contact me in regards to the delinquent account, and that I am not responding to reminders we have sent youand within a few days we intend to assign your account for special collection action" They have received every payment agreed uponand not payment was late!
I recently moved, so I have a new phone numbermy mail is being forwarded to my new address(I have not received any email from them.) When I called the nu
For the past several months, starting January 7th, 2018, payments have been made to this companyJanuary, February and March there were double payments made because they said there was an error with billing and the payments were reversedCome to find out, now I owe them over dollars in late fees and payments for January, February and MarchThis cannot beThe payments were made and deducted from personal bank accountThere have been no returns on any amounts of payments madeIn total, out of payments are saying that they are reversed with no explanation given as to whyConfirmation emails were received in my personal email account yet they say they do not have any confirmation numbers on fileThe guy I spoke to was extremely rude and short with me saying that even though it says I paid, they never received the moneyI do not see how that is possible when I pay manually online every month AND I receive confirmation emailsThere is $missing from payments they said
MY CREDIT UNION SENT A CHECK IN THE FULL AMOUNT OF AND THIS WAS TO BE THE FINAL PAYOFF OF MY ACCOUNTNOW THE COMPANY IS CALLING ME AND HARASSING ME ABOUT AN ADDITIONAL 20-25$ INTEREST STILL DUEI SAY I DON'T OWN ANY MORE AS THE CREDIT UNION CUT THE CHECK IN THE AMOUNT OF *** SAID THE INTEREST WOULD BE WAIVED AS THIS WAS A FULL PAYOFF AND NOW THE COMPANY REFUSES TO WRITE OFF THE INTEREST AND IS THREATENING ME WITH COLLECTION AGENCY ACTIONI DO NOT WANT MY CREDIT HIT WITH THIS AS IT IS AN UNFAIR BUSINESS PRACTICE THAT THIS COMPANY IS NOT UPHOLDING WHAT IT HAS QUOTED AS A FINAL PAYOFF OF THIS ACCOUNT
I purchased a vacuum from *** Distributing Company; *** *** *** *** *** *** recentlyUnited Consumer Financial Services is the company that *** uses to finance the contractI called *** and United Consumer Financial and asked to have the financing cancelled and to pick up the vacuum because I am on Social Security and financially cannot afford to pay for the vacuum( this was told to the sales rep several times on the night they did the demonstration, which lasted several hours that night)Was told by *** and United Consumer they won't do anything because of the 3-day cancellation notice(which not expressed to me)I have and cannot pay the 1st payment of $Was told that they will call me regarding payments and place this on my credit report I do not want the vacuum and would like the contract financing cancelledThank You, *** * ***
Purchased oxygen from *** *** Workers Comp was processing paperwork to pay for the oxygen machine but I needed it then I was told they would finance the oxygen machine and then we could pay it off when Workers Comp paid We agreed but WAS NOT TOLD OR GIVEN PAPERWORK SHOWING THE AMOUNT WE WERE GOING TO BE CHARGED We paid $plus $for months ($509) The oxygen machine costs $ When I called to pay it off I was told I owed $plus $to pay online They said they added interest in the beginning of $ (percent interest) This made the total owed $(original cost $3195) Out of the $I paid, I was charged $in interest over months I feel I was taken advantage of and evidently other people in need of oxygen are also being taken advantage of percent interest added on top of balance is totally unreasonable We signed papers online BUT THIS WAS NOT EXPLAINED TO US! I don’t think this should be legal
I authorized a payment that was NOT OVERDUE OR DELIQUENTThey took the REMAINING BALANCE DUE ON THE ACCOUNT AND CLEANED OUT MY CHECKING AND SAVINGS ACCOUNTI WAS ALSO CHARGED OVERDRAFT FEES FROM MY BANKI was asked to fax my info from the bank on the first time I calledVery sincere and apologized for the problem said she was communicating with her supervisorWhen I called again the same day to make sure they received the fax said they had a bunch of paperwork and could I send it again? I asked the gentleman how could I continue to spend money when they had cleaned out my checking account and my savings account??? Said he would transfer me to a supervisor but no one identified them self to me as the supervisorThen told to reverse the charges at my bank
United Consumer Financial Services did not send any information about my account such as payment coupons or exactly when the month no interest period endsWhen I called to pay off the account they told me I missed the deadline by a monthThe debt was now more than the original amountI feel that this is a very shady way to conduct businessI will never have anything to do with this company again
I purchased a *** Vacuum Cleaner from *** *** on June 14, At the time of purchase we were in the process of moving into our home Therefore, we had no furniture to demonstrate the product Unbeknowance to me I did not know I only had three days to cancel my contract So after moving into our home I realize we were having money issues and could not afford the vacuum Call the number that was given to me by *** and it is no longer in serviceCustomer service hung up on me and I am beginning to think this is a scam
My complaint about this company is very long and frustratingI called to pay off my account using the SAC optionWhen I called I had my contract handy and realized they gave me a ILLINOIS contract, I have never lived in that stateThe company also had no copy of my contract on file!!! I became irrate at this point because the people at this company seem like scam artists in the way that they work to collect a debt they are not founded and legally able to collectThe company of course had that I was to pay the full amount, a difference of about dollarsI called multiple times because when they said they would call me back the company never followed throughI finally got them to take a payment at the beginning of JULYThe payment information was taken and was to be applied the next dayThe money never came out so I had to call them backAfter being transferred around and many notes being read and placed on my accountA lady finally stated that they hadn't finished the paper
This product was purchased in the State of ***, and same was financed through United Consumer Financial ServicesThe product was purchased by my parents, both elderly, under my mother's name, and me as a co-signerMy father passed years ago (July 2016), and the only income of my mother is Social SecurityI called twice, asking this company to pleaseeeeeee, lower the interest rate, which is 20.95%, which is in the State of *** is against the interest-Usury StatuteThe first phone call to United Consumer the said I had to call the *** US, located at *** *** *** *** ** *** and ask them to lower the interest rate, which *** never returned my phone callI call again United Consumer and advised them their retailer in *** is not answering and their phone is disconnected, and they told me that the interest rate is already set up and they will not do an interest review on this matterThis company in ***, and their retailers in *** take adva
I entered a contract financing a product for monthsThe representative at that time told me that should I pay off the loan early, I was due a refund as stated in the contractI called to determine the pay off amount on April 7, which was one month past the halfway term of the contractI sent a check for the pay off amount plus $just to be sureThe check was cashed and the account closed About days later I called to confirm the account paid off and asked if I would receive a paid in full copy or letter to that effect and a refund as stated in the contract and told me by the representative at the time of the contract signing"Cathy" told me I would not receive a refund so I told her to look at my contract to find the stated early pay off-refund language; she did so but tried to explain that I would not receive a refund as far as she knew but she would look into in and send me a letter explaining the Rule
I waited a while only to receive that letter from H
I canceled my contract via telephone as well as a letter sent by way of *** a day after receiving the equipment through ***Over a month later, my bank account was chargedI called United Consumer Financial Services to request a refund for the erroneous charge on my accountI was told I will have to wait until UCFS speaks with the company that sold me the equipment and confirm the equipment was returnedAfter this confirmation, I would receive a refund check in daysI then spoke to a supervisor by the name of Joe at extension to request a reversal of the charge appearing on my accountJoe informed me that UCFS does not have the authority to reverse the charge on my bank accountI was told to stop payment with my banking institution and then UCFS would reimburse me for the stop payment feeI called my banking institution back and was told UCFS has the authority and ability to reverse the charge on my account through their merchant servicesMy banking institution s
When my husband and I saw the presentation of the rainbow vacuum cleaner we thought this would be a wonderful product to use in our homeHowever the problem came about ***s after when the vacuum cleaner was not picking up ANYTHING not even the smallest piece of paperSo we called the representative that sold our vacuum to us and he came out and fixed the problemIt was clogged up somehowMy carpet had not been wet or anything for this to happenHe showed me how to unclog it if it kept happening and indeed it has happened at least more times For a vacuum to cost IT SHOULD NEVER CLOGI have not made any payments as of yet due to my husband being in a rollover accident (in which he has injured his back and is not currently able to work) in his business truck so we were just not able to make payments along with our daughters being in collegeI AM NOT SATISFIED WITH THIS PRODUCT AT ALLAs a matter of fact I probably have used it about times since purchased the e
I originally set up auto payMy payments were never posting and I was getting late feesThis was due to the card being entered incorrectlyI've tried setting it up online, but the site tells me that my card information is incorrectI am entering it in exactly as it is on my cardI made my December and January paymentsIt took the representative three times to get my card right, and then she charged me twice$each timeShe said it would count as my February and March payments because she wasn't sure how to refund itI agreed to this arrangementThen I got multiple phone calls saying none Of my payments had been since NovemberI explained to multiple people about making the payment and the double chargeThe second charge ended up being reversed but the first one was processedNow I'm being told I'm behind and they've reported the payments as late on my credit reportI submitted the transaction on my bank statement and now I am being told they need my statement for th
I had bought a kirby through this finance companyThe first payment came due on a date that was not agreed on United consumer contacted me because the payment did not go through as a result of having no money in my bank account which resulted in my account going into the negative I had talked to a representative on monday and it was agreed that they collect the payment on the following FridayWell two days later on Wednesday they charged my account again resulting in my bank account to being overdrawn well over $which is a breach of agreement on their behalf I later had called the sales company and told them that I wished to return the product due to a breech of agreement and they claimed that there was a three day return policy which was not information that was provided to me I feel like I've been scamed especially after I found out that they tried to sell the same product to my neighbor for about $less I do not want the product anymore and I wish to return it but they re
I Purchased a Kirby Vacuum Sweeper and the dealer financed it through this company I never received any contact information from United Consumer Finance but I did have my bank account debited for the financing I had to call Kirby directly to get contact information I have made several attempts to contact United Consumer Finance but all I seem to get is our customer service reps are to busy to answer the phone please try your call again later When I finally did get through once (after my bedtime) the Rep said she would e-mail me the contact and account information I never received itThe rep did give me the payoff on the account but with account and contact information it is kind of hard to send the money
Awful experienceWould not recommend it to anyoneThis business consists of scamming people of their money
I decided to purchase a Rainbow vacuum cleaner in August of I was given a month deferral rate, which would put my 1st payment due in February United Consumer made a payment without my knowledge in November with a check that the sale rep said was for " his purposes only and would not be used to make a payment." I called the company and was told to send my paperwork in so I didI called back a month later and they said that nothing had been done, could I send in the paper again (showing my month deferral), so I didThis went on for another week and I finally spoke with a Manager (I think his name was JT or something like that) and he said that my account had been taken care of and that payment could either be refunded or count as my first payment due in FebruaryI asked for a refund and he said he would get that back to me, but it never was refunded, so I thought it would go towards my 1st Payment due in February When I finally created an account, they had m
SCAM SCAM SCAMThis company will debit your account multiple times when you're on autoThey will call you multiple times from different numbersNever buy a *** if its financed through United Consumer Financial ServicesIve never dealt with anything like this in my lifeHow do I just give the *** back, Im over it
I paid my account in full payment was completed 4/11/
Auto debt was turn off after account was paid in full but my account was still debited on 4/12/
I received the following note:
"Thank you for your web message regarding your accountYou'll recieve your refund within 30-days from the date the last payment postedThe payment posted 4/12/So 30-days from that dateThank you!"
Please explain why I must wait - days for my refund
I have paid you on time paid off balance early with a cashiers check!!
Again why must I wait - days for my refund!!!
I have the original letter from United Consumer Financial Services (www.ucfs.net) stating that $would be deducted from my bank account in monthly payments beginning August 17, Therefore, the last payment would have been on July 17, I received a letter that was dated July 29, that there was a past due amount of $that was due on July 17, however they did indeed withdraw the payment of $from my bank account on that date!! I got another letter the same day that was also dated July 29, that they were "unable to contact me in regards to the delinquent account, and that I am not responding to reminders we have sent youand within a few days we intend to assign your account for special collection action" They have received every payment agreed uponand not payment was late!
I recently moved, so I have a new phone numbermy mail is being forwarded to my new address(I have not received any email from them.) When I called the nu
For the past several months, starting January 7th, 2018, payments have been made to this companyJanuary, February and March there were double payments made because they said there was an error with billing and the payments were reversedCome to find out, now I owe them over dollars in late fees and payments for January, February and MarchThis cannot beThe payments were made and deducted from personal bank accountThere have been no returns on any amounts of payments madeIn total, out of payments are saying that they are reversed with no explanation given as to whyConfirmation emails were received in my personal email account yet they say they do not have any confirmation numbers on fileThe guy I spoke to was extremely rude and short with me saying that even though it says I paid, they never received the moneyI do not see how that is possible when I pay manually online every month AND I receive confirmation emailsThere is $missing from payments they said
MY CREDIT UNION SENT A CHECK IN THE FULL AMOUNT OF AND THIS WAS TO BE THE FINAL PAYOFF OF MY ACCOUNTNOW THE COMPANY IS CALLING ME AND HARASSING ME ABOUT AN ADDITIONAL 20-25$ INTEREST STILL DUEI SAY I DON'T OWN ANY MORE AS THE CREDIT UNION CUT THE CHECK IN THE AMOUNT OF *** SAID THE INTEREST WOULD BE WAIVED AS THIS WAS A FULL PAYOFF AND NOW THE COMPANY REFUSES TO WRITE OFF THE INTEREST AND IS THREATENING ME WITH COLLECTION AGENCY ACTIONI DO NOT WANT MY CREDIT HIT WITH THIS AS IT IS AN UNFAIR BUSINESS PRACTICE THAT THIS COMPANY IS NOT UPHOLDING WHAT IT HAS QUOTED AS A FINAL PAYOFF OF THIS ACCOUNT
I purchased a vacuum from *** Distributing Company; *** *** *** *** *** *** recentlyUnited Consumer Financial Services is the company that *** uses to finance the contractI called *** and United Consumer Financial and asked to have the financing cancelled and to pick up the vacuum because I am on Social Security and financially cannot afford to pay for the vacuum( this was told to the sales rep several times on the night they did the demonstration, which lasted several hours that night)Was told by *** and United Consumer they won't do anything because of the 3-day cancellation notice(which not expressed to me)I have and cannot pay the 1st payment of $Was told that they will call me regarding payments and place this on my credit report I do not want the vacuum and would like the contract financing cancelledThank You, *** * ***
Purchased oxygen from *** *** Workers Comp was processing paperwork to pay for the oxygen machine but I needed it then I was told they would finance the oxygen machine and then we could pay it off when Workers Comp paid We agreed but WAS NOT TOLD OR GIVEN PAPERWORK SHOWING THE AMOUNT WE WERE GOING TO BE CHARGED We paid $plus $for months ($509) The oxygen machine costs $ When I called to pay it off I was told I owed $plus $to pay online They said they added interest in the beginning of $ (percent interest) This made the total owed $(original cost $3195) Out of the $I paid, I was charged $in interest over months I feel I was taken advantage of and evidently other people in need of oxygen are also being taken advantage of percent interest added on top of balance is totally unreasonable We signed papers online BUT THIS WAS NOT EXPLAINED TO US! I don’t think this should be legal
I authorized a payment that was NOT OVERDUE OR DELIQUENTThey took the REMAINING BALANCE DUE ON THE ACCOUNT AND CLEANED OUT MY CHECKING AND SAVINGS ACCOUNTI WAS ALSO CHARGED OVERDRAFT FEES FROM MY BANKI was asked to fax my info from the bank on the first time I calledVery sincere and apologized for the problem said she was communicating with her supervisorWhen I called again the same day to make sure they received the fax said they had a bunch of paperwork and could I send it again? I asked the gentleman how could I continue to spend money when they had cleaned out my checking account and my savings account??? Said he would transfer me to a supervisor but no one identified them self to me as the supervisorThen told to reverse the charges at my bank