Duckworth Environmental Services, Inc.

4/14/2016 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 United Consumer Financial Services Company's (UCFS) attention so we may properly assist you. As you stated in your Complaint, you purchased a consumer product from an independent merchant on February 9, 2016; you signed a retail installment sales contract (the "Agreement") that same dayWe agreed to finance the purchase of that productUnder the terms of the Agreement, you agreed to finance $Lby making thirty-six (36) monthly payments, beginning March 31, 2016, in the amount of $By the Agreement, you had until February 12, to cancel the purchaseUnfortunately, you did not cancel within this time period. Our goal at UCFS is to provide excellent customer serviceTowards that end, we are sympathetic when a consumer expresses concern about an ability to repay their account with usWe invite you to contact us to discuss a payment arrangement that would better align with your current financial situation. Please contact us by phone at 1-800-338-to discuss your account and repayment optionsWe look forward to hearing from you. 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
Regards,
*** ***

Please see consumer's contract, which is attached

*** *** ** ***
*** *** ***
*** ** *** UNITED CONSUMER FINANCIAL SERVICES COMPANYMay 2, 2017Re: United Consumer Financial Services Account # *** Dear *** ***: I received your Revdex.com Complaint regarding your purchase of a consumer
product from an independent merchantThank you for the opportunity to respond to your concerns. In your Complaint, you state that you are due a refund of half of the interest by paying the account off early. Please note that you signed a financing contract that computes interest on a precomputed basisYour account balance is expressed as a sum containing the principal and the amount of the finance charges computed in advanceWe collect finance charges with each of your monthly payments as we earn finance charges each month during your contract term.If you prepay your account ahead of the end of the contract term, we will send you a refund check for those unearned finance charges paid by you; the unearned finance charges not paid by you are removed (or rebated) from your account, and your account is closed with a zero balance.According to our records, we quoted a payoff balance to you of $on March 22, According to our records, you made a payment of $on March 29, This overpaid the account by $A refund check for $was issued on 4/28/No additional refund is due on your accountAt this time, we consider your account closed as paid in fullIf you have any further questions concerning this matter, please feel free to contact a customer service representative at 800-338-6507, or by email at www.ucfs.net.Sincerely, Karole ***
*** *** United Consumer Financial Services • *** * *** *** *** * *** *** *** * *** Consumer Financing for In-Home and Specialty Products and Services

8/22/2016 Ms*** *** *** *** ** *** *** ** *** RE: United Consumer Financial Services (UCFS) Account No*** Revdex.com complaint No*** Dear Ms***: We received your Revdex.com complaintThank you for bringing this issue to
our attention so we may properly assist you. Your Complaint relates to an improperly processed paymentRecall that you called into UCFS on August 3, to set up a credit card/debit card payment with one of our representativesUnfortunately, the representative failed to follow established company policy concerning payments taken over the telephoneAs a result, your payment was not posted correctlyPlease accept my apologyThe representative involved has received remedial training to prevent a recurrence of this error. The payment you made on August 3, is now posted to your accountThe outstanding late fees on your account have been waivedIn addition, we have notified the consumer reporting agencies to correct the derogatory rating for the month of August; your account will be reported as current. If you have any further questions, or if I can be of any assistance, please feel free to contact me at l-800-344.5000, extension 6115. Sincerely, Cheryl B*** Compliance Department

Please be advised that the consumer chose to communicate with me via email Attached is the email correspondence between MsBrittany M*** and myself I believe we have thoroughly addressed Ms*** concerns.If Ms*** has additional concerns, she may direct them
to my attention. Sincerely, Timothy K***Compliance DirectorUnited Consumer Financial Services Company

UNITED CONSUMER IA SERVICES COMPANY 2/3/2016 Ms. [redacted] Re: Revdex.com complaint No. [redacted] Dear Ms. [redacted]: United Consumer Financial Services (UCFS) has received your Revdex.com complaint. Thank you for bringing...

this issue to United Consumer Financial Services Company's (UCFS) attention so that we may properly assist you. The following is a summary of the activity on your account with UCFS. On November 17, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer product. UCFS financed that purchase, and on November 19, 2015, we verified the terms of the agreement with you. On December 2, 2015, UCFS sent you a letter informing you that the bank account information given at the time of sale to set up EFT (monthly recurring payments) was invalid. You called into UCFS on December 23, 2015, stating you were going to make a payment. On December 31, 2015, we sent you a letter stating your account was past due; we also spoke to you on the same day, and you informed UCFS that you did not have the payment information with you. You stated you would call us back. We did not hear from you again until January 14, 2016, when you informed UCFS that you wanted to cancel and that you had been telling UCFS and the merchant who sold you your consumer product that you wanted to cancel. January 14, 2016 was the first time you told UCFS that you wanted to cancel. We spoke with the merchant who stated they never heard from you for a request to cancel, nor did they receive the written cancellation notice from you. Under the terms of your Agreement, you had until November 20, 2015 to cancel the agreement. At this time, we cannot honor your request to cancel as you had until November 20, 2015 to do so. Your account is currently past due $133.09 (which includes a late fee of $3.25) for your December payment. Please contact our office to setup payment arrangements. If you have any further questions or concerns or need assistance, you can contact our Customer Service Department at 1-800-338-6507 or visit our website at ucfs.net. Sincerely, Cheryl B[redacted] Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]
If you spoke with the guy who sold the [redacted] then I know he told you that I did not get all the items. He was suppose to bring the rest of the items the next day but didn't. I have texts messages between us where it says it too.  I will take this higher then Revdex.com now since I really tried proving to you that I got ripped off and yet this company still continues to lie about calls and things that were said. If you have record of all the calls and conversations then you have the call where I called in stating my items were never delivered like they were suppose to and that I no longer wanted it?

October 15, 2015 
[redacted] Re: Revdex.com Complaint No. [redacted] Dear [redacted]: This letter is in response to the Complaint you filed with the Revdex.com. Thank you for bringing this issue to United...

Consumer Financial Services Company's (UCFS) attention so we may properly assist you. As you know, you signed a closed-end, precomputed interest contract on August 14, 2013. The price you agreed to finance was $959.68, inclusive of tax. According to the terms of your contract, you were obligated to pay interest at a rate of 20.77 percent per annum; the total finance charge on your contract, assuming all payments paid as agreed, amounted to $381.62. The total amount you would pay over the course of your contract was $1,341.36. You made your first five scheduled payments in the amount of $37.26 on the 14th of each month beginning 12/14/13 through 3/14/14. On 3/22/14, you made a payment in the amount of $518.55. The effect of this payment on 3/22/14 was to prepay your account until 6/14/15. While interest would continue to accrue during this time because of the outstanding balance on your account, no payments were due during this time because of the prepayment. You were advised on 9/8/14 that EFT payments would not continue until 6/14/15, but that you could make additional ACH payments to pay down your account, partially or in full. You declined. From 3/18/15 until 10/8/15, you made 15 payments of differing amounts at different times of the month. During this time, your account was never past due. As of 10/8/15, your account is prepaid until 7/14/16. You currently have an account balance of $131.51. Please understand that prepaying your account does not eliminate an interest assessment if the balance on the account is not paid in full. Under the terms of your agreement with UCFS, UCFS is entitled to the stated APR so long as a balance exists on your account. I hope this clears up any confusion or frustration. Should you need anything from or have questions for me, please contact me directly at 440-[redacted] or by email at [redacted] Sincerely, Timothy ** S[redacted] Director of Compliance

We sent a refund check to Ms. [redacted] on October 21, 2016.  She should receive the refund check soon, if she has not already received it.  Thank you.

[redacted] [redacted])[redacted]April 4, 2017Ms. Angela [redacted]RE: Revdex.com Complaint Number: [redacted]Dear Ms. [redacted]:United Consumer Financial Services (UCFS) received your Revdex.com Complaint. Thank you for bringing this...

issue to our attention so we may properly assist you.According to our records, you signed a retail installment sales contract (the “Agreement”) on August 9, 2016 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.After reviewing your Complaint, I determined that the issue you explained in your Complaint was the result of a procedural error on our end. We failed to properly apply the payment you attempted to make to your account.Please accept my sincerely apologies for our error. We are conducting a thorough investigation to discover cause of it and will make sure we provide additional training to help us avoid this type of mistake in the future.We are taking the following steps to correct your account: (1) we are removing any late fees assessed to your account; (2) we will correct our credit reporting on your account; and (3) we will make all corrections to your account to ensure you are not negatively impacted by our error.I hope this resolved your concerns to your satisfaction. You may reach out to me directly by email at [redacted] or by phone at [redacted].Very Truly Yours,Timothy K. [redacted]Director of Compliance

Please see the              865 Bassett Rd.       Westlake OH 44145-1194              440-835-3230                Ucfs.netDecember 3, 2015[redacted]...

*
[redacted]  [redacted] RE: Revdex.com Complaint No. [redacted]This Letter is in response to the Complaint you filed with the Revdex.com.  Thank you for brining this issue to United Consumer Financial Services Company’s (UCFS) attention so we may properly assist you.We spoke with the merchant, ** [redacted], and they agreed to cancel your contract.  UCFS has closed your account, and you have no further financial obligation to UCFS or ** [redacted]. [redacted] will be contacting you to make arrangements for pick up of the merchandise.  We ask that you work with them so that they may retrieve the financed product.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-[redacted], extension [redacted].Sincerely,Cheryl B[redacted]Compliance Dept. attached letter sent to Ms. Woods in response to her Revdex.com Complaint.  Thank you.

1/26/2016 [redacted]C/O [redacted] Re: Revdex.com complaint ID# [redacted] Dear Ms. [redacted]: United Consumer Financial Services Company (UCFS) received your Revdex.com complaint. Thank you for bringing this issue to UCFS's...

attention so we may properly assist you. This letter is to confirm our conversation and email that was sent to you on [redacted]'s account with UCFS. UCFS has agreed to advance the first payment due date on the account to February 17, 2016. As a result, a new coupon book will be mailed to the address we have on file for Mr. [redacted]. If you do not receive the coupon book in time to make the first payment, please mail the payment of $185.33 to our home office below: United Consumer Financial Services Co. 865 Bassett Rd Westlake OH 44145 When sending in payment, please note the account number on the payment document. To confirm: consumers can only access UCFS's website using internet explorer. We are currently upgrading our website and anticipate it being completed by the end of March 2016, at which time it will be compatible with other web browsers. If you have any further questions or concerns, you can contact me at my direct line at 440-835-3230, extension 6115, Monday through Friday, 8:30 a.m. to 5:00 p.m. EST; by email at cb[redacted]@ucfs.net; or in writing at the above address. Sincerely, Cheryl B[redacted] Compliance Department C: Revdex.com file # 11083080

Please see the attached Complaint Response, sent to [redacted] January 7, 2016.  Thank you.

Please see the attached responsive letter, which will be sent to Ms. P[redacted] via email shortly.

[redacted]to yourRevdex.com Do to the holiday I have not being able to contact the company to finalize the settlement. I agree with the settlement price but I really want them to take back what it was reported in my credit report.  I will be calling the company tomorrow morning and see if we could come up with a final agreement. Thank you very much for your intervention

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]I disagree with their response. I feel that I have been over charged. I purchased a vacuum cleaner at $1500 and have since paid $1,463.32. The remaining balance should be $36.68 plus interest of $539.76. I am paying the payment earlier so I believe the interest should be $209.86 for a total balance of $246.54. So I am being over charged $106.22 more.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have attached a copy of my copies the address is [redacted]. Tracking usps# [redacted]. M[redacted] picked up the vacuum and I called to see if anyone needed a copy of my copies and they keep telling me sometime will contact me in 48hrs and noone never does. Yesterday I spoke a James, when the message didn't show.
Regards,
[redacted]

UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/2016 Ms. [redacted] Re: Revdex.com complaint       United Consumer Financial Services # [redacted] Dear Ms. [redacted]: United Consumer Financial Services (UCFS) has received your Better...

Business Bureau Complaint. Thank you for brining this issue to UCFS's attention so we may properly assist you. We will honor your request to cease all telephone communications with you. We apologize for any inconvenience this may have caused you. All future correspondence will be sent to you via mail. Our communications to you were for the purpose of discussing your account with us. On October 31, 2015, you signed a retail installment sales contract for the purchase of a consumer good (the "Agreement"). You had until November 4, 2015 to cancel this Agreement. We contacted you on November 19, 2015 to verify terms of your Agreement; during that conversation, you did not express any desire to cancel the Agreement. We are certainly sympathetic to the financial difficulties you are having. We are willing to work with you to find a temporary repayment plan that helps ease this burden. Please contact our office at 1-800-338-6507 to discuss your payment plan options with us. Should you need service for your product, please contact the seller at 575- 680-4691 or Corporate Headquarters at 248-643-7222. Please feel free to reach out to UCFS again in the future should you have any concerns. Sincerely, Cheryl B[redacted] Compliance Department CC: Revdex.com

UNITED CONSUMER FINANCIAL SERVICES3/23/2016 Mr. [redacted] Re: Revdex.com complaint ID# [redacted] United Consumer Financial Services Account # [redacted] Dear Mr. [redacted] United Consumer Financial Services (UCFS) received your Revdex.com...

Complaint. Thank you for bringing this issue to our attention so we may properly assist you. We do apologize that you are having difficulty reaching us. We are experiencing an unusually high volume of calls in light of a busy season for us. Our office is open until midnight, Eastern Standard Time. Typically, if you call our office after 8:00 p.m. (EST), the wait time to speak with a customer service representative is shorter. UCFS sent you an acknowledgment letter in January that provided you with all the necessary information pertaining to UCFS contact information along with your account number. According to our records, you called into UCFS on February 29, 2016 and spoke with a UCFS representative, asking that your account information be emailed to you. On March 1, 2016, you filed a Revdex.com complaint. When we spoke with you on March 4, 2016, you went to our website and paid off your account. A payment book was requested for you in February 2016 please disregard the payment book as your account is now closed with a zero balance. You owe no further obligation with UCFS. We are sorry for any inconvenience this may have caused you. Should you need further assistance, please contact us at 1-800-344-5000. Sincerely, Cheryl B[redacted] Compliance Department