Duckworth Environmental Services, Inc.

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,
Edward ***

(The following was copy/paste by Revdex.com staff - LST)***UNITED CONSUMER FINANCIAL SERVICES COMPANY April 27, 2017 MsAlisha *** *** *** ***
*** ** *** Re: United Consumer Financial Services Account # *** Dear Ms***: We received your RevDex.com complaint involving billing or collection issuesThank you for the opportunity to respond to your concerns regarding your purchase of a consumer 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 September 5, 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. Your account was initially set up for recurring payments using a credit or debit cardThe recurring payment card was declined causing a delinquency on your accountYour account was delinquent several times beginning January 3, until presentOn multiple occasions, we agreed to remove late charges. According to our records, you called in on two occasions attempting to pay with someone else's debit or credit cardWe advised you that we needed authorization from the card holder in order to process a payment using a card belonging to someone who is not an authorized person on your account. We encountered an error when attempting to process your April paymentAs a result, your payment was not processedWe apologize for this errorWe have provided training to our staff in hopes of avoiding these issues again. In the meantime, we are available to assist you in making a payment over the phone; you may also visit our website at www.ucfs.net to make a payment. If you have any further questions concerning this matter, please feel free to contact a customer service representative at ***. Sincerely, Karole *** Compliance Auditor United Consumer Financial Services • *** • Bassett Road • Westlake, Ohio • www.ucfs.net Consumer Financing for In-Home and Specialty Products and Services

The Company contacted me and I talked to a person wo seemed to be in chargeHe was very professional and asked if there were other things he needed to address with the staffHe apologized for the inconvenienceNow, I just await the paper officially closing my accountHe did give me a direct line if I have any problems
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,
*** ***

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 FINANCIAL SERVICES COMPANYBASSETT ROAD WESTLAKE, OHIO 44145440-835-3230vwvvv.ucfs.net6/3/2015*** ** *** *** *** ** ***Re: Revdex.com Complaint ID# *** * ***.Dear *** ** ***:United Consumer Financial Services (UCFS) has received your RevDex.com ComplaintsI thank you for the opportunity to respond to your Complaints; a copy of this letter will be sent to the Revdex.com.UCFS reviewed the account and discussed the situation with the merchant that sold you your Kirby Cleaning System, *** *** *** ***I am pleased to inform you that *** *** *** *** agreed to cancel the contract with you; moreover, UCFS agreed to cancel the ?nancing on the contractAs a result, you will not be obligated on the agreementIf they have not already done so, *** *** *** *** will contact you to arrange for the pickup of your Kirby Cleaning System.The $down payment you paid towards the purchase of the Cleaning System will be returned to you.UCFS did credit report on your account While it was active with UCFSUCFS deleted its trade line on your credit report.Should you have any questions please contact:*** *** *** *** *** *** ** ***I can be reached Monday through Friday from 8:00am to 5:00pm Eastern at 1-800-344-ext***. *** ***Compliance Dept

UNITED CONSUMER FINANCIAL SERVICES COMPANY December 18, 2015
*** ***
*** *** *** *** ** *** RE: Revdex.com Complaint No*** Dear *** ***, According to UCFS records, you called UCFS on January 12, and authorized
payments in the amount of $for the following dates: January 13, 2015; February 8, 2015; March 8, 2015; April 8, 2015; and May 8, 2015; you also set up a payment for $1,for June 8, UCFS sent you a letter each month to confirm these payments. You called in to UCFS on June 9, stating that you did not authorize the June 8, payment for $1,and that you wanted a refundYou called into UCFS again on June 10, asking how long it would take for the $1,to be refunded; a UCFS representative told you it had to be reviewed by a supervisor and that it could take up to hours for a decisionOn June 12, 2015, UCFS received a one-time ACH return payment for the $1,payment due to your disputing the authorization of that payment. On June 22, 2015, a UCFS supervisor called the number we have on file as your home telephone number; the number was disconnectedThe supervisor then called the number from which you had previously called and left a voicemail message for you. Despite multiple attempts, UCFS was unable to successfully contact you from the beginning of July until OctoberOn October 15, 2015, you called UCFS and advised UCFS that the address we has on file for you is correct and that you did not revoke the payment of $1,dated for June 8, At that time, a UCFS representative told you that the current payoff on the account was $2,and was good until November 12, UCFS continues to attempt to contact you by phone, but with no success. While UCFS can certainly appreciate the seeming unfairness of paying a different amount for a similar consumer product as your neighbor, the purchase price of the consumer product is negotiated between the distributor and you, the consumerUCFS has no bearing on the agreed-upon price. In an effort to resolve your concerns, UCFS will accept as full satisfaction of your account a one-time payment of $1,236.85. If you have any further questions, or if I can be of any assistance, please feel free to contact me at 1-800-***, extension *** Sincerely, Cheryl B*** Compliance Dept

July 20, 2016 Ms*** *** *** *** *** *** FL *** RE: United Consumer Financial Services (UCFS) # *** Revdex.com Complaint No*** Dear Ms***: United Consumer Financial Services (UCFS) received your follcommunication regarding our response to your Revdex.com Complaint. As we previously advised you, you signed your retail installment sales contract (the "Agreement") on April 8, The Agreement's signature block included a statement which reads, "YOU ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS RETAIL INSTALLMENT CONTRACT, AND HAVE RECEIVED ORAL NOTICE OF YOUR CANCELLATION RIGHTS." By signing the Agreement, you acknowledged that the sales person who sold you your consumer product delivered oral notice of your right to cancel the Agreement. Furthermore, the cancellation provision consumes approximately one-third of the front of the AgreementThe cancellation provision details your rights and the procedure for cancellation. Your signature on the Agreement was an attestation that you read all terms of the Agreement, including the cancellation provisionAccordingly, we will not honor your request to cancel the AgreementIf you have any further questions, or need assistance, you can contact me at 1-800-344-5000, extension 6115, or you can reach me via email at cb***@ucfs.net. Cheryl B*** Compliance Department

UNITED CONSUMER FINANCIAL SERVICES COMPANY 4/21/2016 Mr*** *** *** *** ** *** ** *** Re: United Consumer Financial Services Account # *** Revdex.com complaint ID# 11311306 Dear Mr***: United Consumer Financial
Services (UCFS) has received your Revdex.com complaintThank you for bringing this issue to United Consumer Financial Services Company's (UCFS) attention so we may properly assist you. As you know, UCFS financed a recent purchase you madeOn May 18, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer productSeveral days later, UCFS sent you a letter confirming your purchase and reminding you that you set up monthly electronic funds transfer (EFT) payments starting on July 8, for $for consecutive months. On July 7, 2015, you called into UCFS asking that the EFT payment be stoppedAt that time, you were advised by our representative that it was too late to stop the EFT transaction as it was already submitted to the bank to be processed the following dayOn July 11, 2015, we received notification from your bank that you put a stop payment on the July 8, EFT paymentTo date, you have put stop payments on four of the six EFT payments scheduled to post to your account The independent merchant who sold you your consumer product stated that they spoke with you months after you signed the contractAt that time, you stated you were having financial difficulties due to a loss of income and wanted to cancelThe merchant stated you had not sent in the cancellation notice within the allotted time under the Agreement. We have attempted to contact you on several occasions in the ordinary course of collecting the debt you owe to usWe believe the phone calls we made to you for this purpose are proper. 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, Cheryl B*** Compliance Department

M
ay 1, 2017 *** *** ** ***
*** *** *** *** *** *** RE: Revdex.com Complaint Number: *** 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. It appears much of your Complaint is directed at the independent merchant who sold you your consumer productI will address those concerns of yours directed at UCFS. According to our records, you signed a retail installment sales contract (the "Agreement") on March 11, in order to obtain financing for the purchase of a consumer product from an independent merchant. We verified the terms of the Agreement with you. You indicated on your credit application that you wished to sign up for Electronic Funds Transfer (EFT) paymentsWe sent you confirmation of your signing up for EFT payments on March 23, In this confirmation letter, we notified you the date on which your first payment would be deducted from your account with us. If you would like to change your payment method for your account, please contact us at 1-800-338-6507, or you may visit our website at www.ucfs.net. Very Truly Yours, Timothy *S*** Director of Compliance United Consumer Financial Services • 800-338-• Bassett Road • Westlake, Ohio • www.ucfs.net Consumer Financing for In-Home and Specialty Products and Services

Please see UCFS's response to *** ***'s rejection to UCFS's original Complaint response

UNITED CONSUMER FINANCIAL2/19/2016 Mr*** *** *** *** *** ** *** Re: Revdex.com complaint *** *** United Consumer Financial Services Account # *** Dear Mr***: United Consumer Financial Services (UCFS) received your RevDex.com ComplaintThank you for bringing these issues to United Consumer Financial Services Company's (UCFS) attention so we may properly assist you. We spoke with the merchant and salesperson who sold you your consumer productThe salesperson was the businessman who conducted your sales presentation the day you purchased your consumer productPlease find attached to this letter a response from the salesperson replying to the allegations in your Complaint. Based on our own investigation and the letter we received from the salesperson, we believe the allegations in your Complaint are unfounded, and we are, accordingly, unable to substantiate those allegations. The terms of the contract were verified with *** *** at the time of sale; the terms of your agreement included a six month same as cash optionWhile we can appreciate other terms may have been discussed during the sales presentation, the terms of the agreement you signed govern your account with us. As of today, your account is days past dueThe amount past due is $308.32, which includes the payments due from October through January 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 at1-800-338-6507. Sincerely, Cheryl B*** Compliance Department

6/10/2016 Ms*** *** *** *** *** *** *** *** ** *** Re: Revdex.com Complaint ID *** United Consumer Financial Services Account # *** Dear Ms***, We received your Revdex.com ComplaintThank you for bringing this
issue to our attention so we may properly assist you. We do apologize for any inconvenience we may have caused while you attempted to make payment via our online websiteWe are in the process of revamping our online website which will allow our consumers to use other web browsers and increase functionality once the process is completed. Your account with UCFS is closed with a zero balanceWe deleted any credit reporting for this account. I do hope this resolves your concernsIf you have any further questions, or need assistance you can contact our Customer Service Department at 1-800-338-6507. Sincerely, Cheryl B*** Compliance Department

Mr*** ** *** *** ***
*** ** *** Re: United Consumer Financial Services Account #*** Dear Mr***: I received your complaint filed with the Revdex.comThank you for the opportunity to respond to your concerns regarding a refund of
the overpayment of your account with our company. According to our records, you requested a payoff amount quote on your account on September 7, We quoted you a payoff amount of $1,507.79, which was valid until October 3, A follow up letter was mailed to you quoting the same payoff amount and date. Your request for a payoff quote was made after the first two payments of $were applied to your accountAs a result, the payoff amount we quoted you included these two payments already applied to your account. The processing time for issuing customer refunds is to days from the date of the last paymentThis time frame allows for any adjustments made due to any invalid payments. As a courtesy, we issued your refund earlier than our processing time for $on September 22, 2017. I apologize for any inconvenience this may have caused youI believe this adequately addresses your concerns. If you have any further questions concerning this matter, please feel free to contact a customer service representative at *** or by email at ***. Sincerely, Karole D*** Compliance Auditor United Consumer Financial Services * *** * *** *** *** * *** *** *** * *** *** *** *** *** *** *** *** *** ***

(The following was copy/paste by Revdex.com staff * ***April 26, 2018 *** *** ***
*** ** *** *** *** **
*** ** *** Re: United Consumer Financial Service Account # *** Dear *** *** We received your complaint filed with the Revdex.com
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 August 26, 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 transactionA copy of the Agreement is enclosed. The Agreement contains the required Truth-in-Lending disclosuresThese 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 AgreementThe number and amount of your payments is clearly explained in your Agreement. We verified the terms of the Agreement with youAt 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, and (3) had received all items promised under the Agreement. If you have any further questions concerning this matter, please feel free to contact me at 440-835-extension or by email at [email protected]. Sincerely, Karole *** Compliance Auditor

See attached response

8/19/2015*** *** *** *** *** ** ***Re: Revdex.com complaint ID# *** Dear *** ***:United Consumer Financial Services (“UCFS”) has received your Revdex.com complaint. I look forward to assisting in properly resolving your
complaint.On March 13, 2013, you signed is a closed-end, pre-computed interest contract You agreed to finance $ 1, According to the terms of the contract, you were obligated to pay interest at the rate of percent per annum; the total finance charge on your contract amounted to $ The total amount you would pay over the course of your contract is $ 2,223.72.As of your last payment posted to the account on July 30, 2014, UCFS received a total of $1,600.00, which totals out of payments This amount did not pay off the account, leaving a payoff at that time of $ According to UCFS records, by paying more per month than the agreed-upon $61.77, you prepaid your account through June 30, As a result, the next payment due date on your account was July 1, Because your account was current beginning July 30, and ending June 30, 2015, UCFS did not send monthly communications to you The current payoff on the account is $616.09; this amount is good until August 1, The next payoff is $623.34, good until September 1, 2015. I hope this resolves your concerns Please feel free to reach out to UCFS again in the future should you have any concerns.Sincerely,Cheryl B*** Compliance Department

*** *** ***: United Consumer Financial Services Company ("UCFS") received *** *** ***'s recent response to UCFS's Reply to her Revdex.com Complaint. As *** *** states, I did speak with her on the telephone about her concerns concerning the amount she owes on her account with UCFS. In that conversation, I explained how financed charges were assessed on her account, briefly covered what a pre-computed closed-end installment loans is, and advised *** *** of the balance on her account was at the time of the conversation. It seems as if *** *** is unable to appreciate the difference between a simple interest calculation and a pre-computed closed end installment loan as it relates to how much interest she would avoid by preparing her account in full. As I explained to her, the nature of her account and its repayment would necessarily mean that she would pay more in finance charges in the beginning of the life of her repayment than she would towards the end; that would, no doubt, mean that the later she waited to pay her account in full, the less total interest charges she would avoid. I do think it's unfortunate that *** *** continues to be dissatisfied with my explanations of her account with UCFS. Unfortunately, I am at a loss for how I can help *** *** at this point. I will continue to work with *** *** should she have additional questions. Thank you for your time. Best, Tim S*Director of ComplianceUnited Consumer Financial Services

Please fax any information regarding this Revdex.com Complaint to *** We will review promptly Thank you, UCFS

(The following was copy/paste by Revdex.com staff - LST)***It is their fault why the payment is late because the reps refused to take my payment over the phone There are individual account names on this account Geraldine & Alisha ***I called to pay on the account holders account with the account holder's debit card and they don't want to admit that their reps are incompetent and didn't understand that

1/7/2016*** *** *** *** ** ***Re: Revdex.com complaint ID# *** Dear *** ***,United Consumer Financial Services Company (UCFS) received your Revdex.com ComplaintThank you for bringing this issue to UCFS’s attention so that
we may properly resolve your concerns.UCFS discussed your Complaint with the Merchant who sold you your consumer product; the Merchant agreed to cancel the agreement between them and you. UCFS asks that you please contact the Merchant at 919-471-to make arrangements for pick up of the consumer product.UCFS has closed your account and you have no further financial obligation to UCFS. We have notified the consumer reporting agencies to update their records to remove UCFS 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-***, extension ***. Sincerely, Cheryl B***Compliance Department CC: Revdex.com