Duckworth Environmental Services, Inc.

Revdex.com:
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 request the company refund $which is the interest payment I paid to close the account
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

United Consumer Financial Services Company (UCFS) is currently reporting *** ***'s debt as disputed. When *** *** makes the agreed-upon, one-time payment of $1,236.85, UCFS will discontinue credit reporting on *** *** for this debt and delete its prior credit reporting. The only line that will remain on *** ***'s credit report is the initial inquiry by UCFS at the onset of *** ***'s account with UCFS

7/26/2016 Ms*** *** *** *** *** *** ** *** RE: United Consumer Financial Services (UCFS) Account No*** Revdex.com complaint No*** Dear Ms*** ***, United Consumer Financial Services (UCFS) received your RevDex.com complaintThank you for bringing this issue to our attention so we may properly assist you. The independent merchant who sold you your consumer product informed us that they will cancel your agreement and come by your place of residence to remove the productIf they have not already done so, please make the product available to them to expedite this process. We have closed your account and you have no further financial obligation to usWe have notified the consumer reporting agencies to update their records to remove our trade line from your credit file.If you have any further questions, or if I can be of any assistance, please feel free to contact me at 1-800-344-5000, extension 6115. Sincerely, Cheryl B*** Compliance Department

*** ***Attachments2:PM to yourRevdex.com I was looking on my agreement the finance charge and on the letter is , Account is paid in full why are their starting interest on balance?

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
Regards,
*** ***

(The following was copy/paste by Revdex.com staff - LST)***MsBrittany *** *** *** *** *** ** *** *** *** July 12, 2017 RE: Revdex.com Complaint ID *** Dear Ms***: We received your Complaint filed with the Revdex.comThank you for the opportunity
to address your concerns. According to our records, you signed a retail installment sales contract (the "Agreement") for the purchase of a consumer product on May 6, We verified the terms of the Agreement with youThe Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transaction. Under the terms of the Agreement, you had three days to send in a signed cancellation notice or other written notice of cancellation to the address listed in the cancellation notice section of the AgreementThis is stated in the cancellation notice; you acknowledged that you received oral notice of this cancellation provision when you signed the Agreement. It is unclear from your Complaint what you allege the representative told you regarding the cancellation noticeIf you have clarifying information regarding this point, please direct it to my attention so I may further my investigation. Should you have any questions for me or require additional information, please reach out to me by telephone *** or by email at ***@ucfs.net Timothy K*** Director of Compliance

Mr*** *** *** Rd *** ** *** Re : Revdex.com Complaint ID# *** United Consumer Financial Services Account No.: *** Dear Mr***: United Consumer Financial Services Company (UCFS) received your RevDex.com ComplaintThank you for brining this issue to our attention so we may properly assist you. UCFS financed the purchase of a consumer product made by you in On April 21, 2016, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer product, and the terms of the contract were verified with you on the same dayOn April 28, 2016, UCFS sent you an acknowledgment letter confirming your new purchase and the terms of the Agreement; this acknowledgement letter included verification that you agreed to make your monthly payments via EFT (Electronic Funds Transfer). Your first EFT monthly payment posted to your account on June 11, When we spoke to you on June 13, 2016, you stated that your monthly payments were to come out on the 15th of each month and, when the payment was taken sooner than you thought, this caused an overdraft on your bank accountOn June 14, 2016, we reminded you that the Agreement included a first payment due date of June 11, and that this was verified with you at the time of saleYou then requested the due date to be changed to the 15th of each month; we honored that request. On June 20, 2016, your financial institution informed UCFS that a stop payment was placed on the June 11, paymentA letter was sent to you on June 21, informing you of thisPlease be advised that once UCFS initiates an EFT transaction with your bank, your bank will dateline how many times it attempts to fund the EFT transactionThis issue you should address directly with your bank. You also express concern about a neighbor negotiating a lower price than you for the purchase of a similar product, and that you were unaware of the cancellation provision in the AgreementPlease keep in mind the price a consumer ultimately pays for their product is a matter of negotiation and agreement between the seller and the consumer; UCFS has no bearing on the purchase price of the consumer product. Your cancellation provision is printed on the front of your AgreementAs stated in the signature block of your Agreement, you acknowledged that you had ready the cancellation provision when you signed the AgreementPlease contact our office to set up payment arrangements as you are now due for June and July's monthly installment payments totaling $If you need further assistance, you may contact me at 1-800-344-5000, extension Sincerely, Cheryl B*** I Operations Auditor

3/1/2016 Ms*** *** *** *** *** *** *** *** ** *** Re: Revdex.com complaint ID# *** United Consumer Financial Services Account # *** Dear Ms***: United Consumer Financial Services (UCFS) received your Revdex.com
ComplaintThank you for bringing these issues to our attention so we may properly assist you. You purchased a pet from an independent pet store that does business with UCFSOn October 2, 2014, you signed a retail installment contract (the "Agreement") for the purchase of a petThe amount financed as part of that transaction was $1,Under the terms of the Agreement, you are obligated to make payments of $47.24; the Agreement also includes a 90-days same-as-cash option whereby you could avoid any finance charge by paying your account in full within days from the first payment due date, which was November 2, Assuming the same-as-cash option was not exercised and you made all payments as scheduled, the total amount you will have paid over the life of your account with UCFS is $1,700.64. In your Complaint, you state that we show that you borrowed a larger amount than what you believe you borrowedPlease keep in mind that your obligation includes precomputed finance charges of $that make up part of the balance on your accountShould you pay your account in full early, we will calculate the refund owed to youI hope this clears up any confusion caused by us. Currently, the balance on your account is $with a payoff of $822.82; this payoff is valid until March 2, After that date, the payoff amount will be $835.46, which is valid until April 2, 2016. If you have any further questions, concerns, or if you would like to set up payment arrangements, please call and speak with one of our customer service representatives at 1-800-338-6507. Sincerely, Timothy KS*** Compliance Director

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*** *** *** *** *** Dear MsS*** United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank you for bringing this
issue to our attention so we may properly assist youAccording to our records, you signed a retail installment sales contract (the “Agreement”) on November 9, in order to obtain financing for the purchase of a consumer product from an independent merchantUnder the terms of the Agreement, you are obligated to make monthly payments in the amount of $I understand you attempted to cancel the AgreementUnder the terms of the Agreement, you have three days to send in a signed cancellation notice to the address listed in the cancellation notice section of the AgreementThe manufacturer of your consumer product also makes available to some consumers an additional cancellation provisionUnfortunately, a consumer qualifying for this additional cancelation provision who wishes to take advantage of it must contact the manufacturer’s consumer relationships department within the time provided for in the additional cancellation provisionThe owner’s manual you received with your consumer product specifies this information and provides all necessary instructionsBecause you are beyond the time within which you may have been able to cancel the Agreement, we are unable to honor your request to cancel the AgreementShould you have any questions for us or require additional information, please contact us at *** *** ** *** ** *** Very Truly Yours, Timothy K*** Director of ComplianceUnited Consumer Financial Services ? 80*** * *** *** *** * *** *** *** * ***
*** *** *** *** *** *** *** *** ***

I have not been able to respond appropriately to say this has been resolved because the company (*** *** the dealer that sold the rainbow)has not made contact with me to it pick up as they were given days that they could come ny my place of residence on July 26th or July 27th So I can not say that this has been successfully resolved. Thanks*** ***-***

June 2, 2015 *** *** *** *** *** *** *** *** *** *** Re: Revdex.com Complaint ID # ***. Dear *** ***: United Consumer Financial Services (UCFS) has received your Complaint filed with the Revdex.com--ID#
***I thank you for the opportunity to respond to your Complaint; a copy of this letter will be sent to the Revdex.com. In your Complaint, you indicate you are unsure how your name became associated with your and your husband's account with UCFSYou also indicate the price of the unit purchased by you and your husband was too high. According to UCFS's records, you and your husband signed a contract to purchase a Kirby Cleaning System on October 14, As per the terms of the agreement, you and your husband agreed to finance $2,towards the purchase and pay a total of $2,This price was the price negotiated with the sales person who sold you your Kirby unit. On or about April 24, 2014, you called UCFS to see about partial payments towards the amount outstanding on your accountA UCFS representative informed you that, while you could make partial payments, partial payments would not constitute satisfactory payments on the account, and, as a result, the account would continue to accrue late fees and UCFS would credit report the account as past dueIn order to avoid late fees and to keep the account current, you must pay the contractually-agreed monthly payment. I remain available to address any questions you haveShould you desire the current payoff balance on your account, please contact our office Monday through Friday from 8:00am to 4:00pm Eastern at ***Thank you for your time. Sincerely,Timothy ** S*** Director of Compliance

UNITED CONSUMER FINANCIAL SERVICES COMPANY 6/10/2016 *** * *** *** *** ** *** *** ** *** Re: Revdex.com #*** United Consumer Financial Services Account # 66403709 Dear *** ***, United Consumer
Financial Services (UCFS) received your Revdex.com ComplaintThank you for bringing this issue to our attention so we may properly assist you. You signed a retail installment sales contract on July 16, (the "Agreement")Under the terms of the Agreement, you agreed to an amount financed of $1,The total finance charge under the Agreement is $657.90, with an annual percentage rate of 24%The total sales price of the consumer product you purchased under the Agreement is $2,The Agreement did not contain a same as cash option. That said, we hold consumer satisfaction in high regardAs a show of good faith, we would like to offer you an month same as cash option to your AgreementThis would require you to continue to make your monthly payment of $and pay the total amount financed by January 16, As of today, the remaining amount financed is $ 1,If you meet this requirement, your account will be paid in full, and we will close the account with a zero balance. Please contact me directly to confirm that you are willing to accept this proposed resolution no later than June 22, 2016. I look forward to hearing from you in the near future and I do hope this resolves your concernsI can be reached at 1-800-344-5000, extension 6115, or via email at cb***@ucfs.net. Sincerely, Cheryl B*** Compliance Department

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
While it is true that the July payment was missedWe had automatic withdrawal of the payments and that payment was made upSome of these payments were withdrawn days ahead of timeWhen I talked to them in March about this I was told that my balance was $And some change and that it would be wavedUnfortunatly I won't have the women's name, that I spoke to until I return home on May
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
To discuss a payment arrangement with UCFS that would better align with my current financial situation does not help the fact that I cannot afford to pay for the vacuum at all*** Independent distributors are apparently trained to use pressure tactics and ignore perspective clients when they tell the sales reps that they cannot afford to purchase the vacuumThe *** sales reps will stay inside homes talking and pressuring individuals for hours to buy the vacuumThe mindemonstration lasted from 8:pm until 11:pm whereby I "gave in" (although I knew I could not afford it and told the rep (Ramos) several times) just to get them out of my apartment so I could go to bedI was told by Ramos that I had days to cancel but I found out it was daysIs United Consumer Financial Services aware of the pressure tactics that *** is using to sell and finance the vacuums or or they a part of the scheme? I have had a fractured right wrist, carpal tunnel syndrome and arthritis in my right hand that makes it hard for me to to remove the power nozzle, to lift and use the lbs vacuum*** Company states that a person has up to months to rescind and cancel the purchase agreement if they are at least yrs old and/or has a disability that prevents or restricts them from using the *** vacuum system. I do not want or need a vacuum this heavy that I cannot use or afford
Regards,
*** ***

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
When the salesman came to the house I told him that I did not want my name on there because I had to much on my credit to begin withHe asked me to sign it because at the time I was the homeownerHe told my husband that my name would not be associated with it at all because I didn't want it and when I contacted the office for him to come and get because I figured he lied I got the run around behind it until the time to cancel was upThen when I called United Consumer the Supervisor was nasty and that's not good customer serviceThe fact that this business condone salesman gouging people is not a good practice, the fact that people loose their jobs and become unable to pay and you want to ruin their credit people should know about it! This company is a rip off!
Regards,
*** ***

The Revdex.com asked United Consumer Financial Services Company (UCFS) to provide the Revdex.com with a sales slip or invoice created by the independent merchant from which Mr*** purchased his consumer product.UCFS learned that the independent merchant is no longer in business; UCFS was unsuccessful in attempting to contact the independent merchant UCFS reiterates that any agreement between Mr*** and the independent merchant would be evidenced on the face of the agreement What is more: we verified the terms of the agreement with Mr*** At that time, Mr*** confirmed that he understood the terms of the agreement, that he was satisfied with the sales presentation, and that all items required to be delivered under the agreement were in Mr*** possession.Unfortunately, based on the foregoing, we cannot conclude that Mr*** was not provided items to which he was entitled under the agreement.It is worth noting that UCFS made several attempts to contact Mr*** when his account became delinquent when his first payment was missed UCFS learned of Mr*** concerns through the filing of his Revdex.com Complaint; UCFS has no record in Mr*** account of any concerns regarding the purchased product or of a failure by the independent merchant to provide an item purchased under the agreement

UNITED CONSUMER FINANCIAL SERVICES COMPANY *** *** ** *** *** *** ** *** RE: Revdex.com Complaint No***Dear *** ***: This letter is in response to the Complaint you filed with the Revdex.comThank you for allowing
United Consumer Financial Services Company ("UCFS") to address your concerns. In your Complaint, you state that the dealer who sold you your consumer product stated that you had three free months to use the product before payments would beginAs you know, you signed a retail installment contract on June 3, for the purchase of your consumer productAs part of that contract, you agreed to pay $per month beginning on September 4, The terms of the contract you signed were set up as a three-month deferred paymentAs such, your first payment under the contract was not due until three months after you signed the contractIt seems that you confused this three-month deferred payment period with the cancellation period. By the terms of the contract you signed, you had three (3) days to cancel the agreementBecause you signed the contract on June 3, 2015, you had until midnight of June 6, to cancel the agreementYou first notified UCFS that you wanted to cancel the agreement on October 5, Unfortunately, the time within which you could cancel the agreement had past, and UCFS cannot honor your desire to cancel your agreement. UCFS verified the terms of the agreement with you on June 17, The lone payment you made on your account was made on December 8, 2015; at that time, you sent in three, one-dollar billsNo other payments were made on this account. If you have additional questions for me, please reach out to me directly by phone at *** or by email at ***. Sincerely, Timothy ** S*** Director of Compliance

(The following was copy/paste by Revdex.com staff - LST)***March 6, 2018 Ms*** *** *** *** *** **
*** ** ***
Re: United Consumer Financial Services Company (UCFS) Account # *** Dear MsL*** We received your complaint filed with the RevDex.comThank you for the opportunity to respond to your concerns regarding your purchase of a product from an independent merchant. According to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on October 19, The Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transaction. We verified the terms of the Agreement with youDuring verification you made no mention of a problem with the sale or any dispute with the Agreement. Under the terms of the Agreement, you had three business days to send in a signed cancellation notice to the address listed in the cancellation notice section of the AgreementYou have not provided sufficient information to support your allegation and you did attempted to cancel the Agreement according to the provisions detailed in the cancellation portion of your contract. We received an electronic message from you on February 15, You requested information regarding your same-as-cash payoffYou did not indicate you had a dispute regarding the sale or the AgreementOn October 18, 2012, you spoke with a customer service representative asking for information needed to access our websiteYou did not discuss having an issue regarding the sale or the Agreement. Based on our investigation of our records, we cannot conclude that you disputed this debt in the pastWe reviewed your account and determined that our credit reporting on your account is accurateIf you have any further questions concerning this matter, please feel free to contact a Customer Service Representative using the information belowSincerely, Karole D*** Compliance Auditor

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12058390, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Joshua ***
THEY HAVE NO RECORD OF ME TELLING THEM? THATS A LIEI HAVE TEXTS MESSAGES WHERE I TRYING TO CONTACT THE MAN WHO BROUGHT THE KIRBY IN THE FIRST PLACEWE STOPPED PAYMENT ON IT BECAUSE WE RETURNED WHAT I RETURNED WHAT I DID HAVESO THATS WHY YOU DIDN'T GET AN ANSWER ABOUT PAYMENT BECAUSE ALL THEY CARED ABOUT WAS THEIR MONEY NOT THAT WE DIDNT GET WHAT WE WERE PAYING FOR AND THAT I RETURNED THE KIRBY DUE TO THE FACT I GOT RIPPED OFF!