Duckworth Environmental Services, Inc.

6/30/2015[redacted]Re: Revdex.com complaint ID# [redacted] Dear [redacted],United Consumer Financial Services (UCFS) has received your Revdex.com complaint.As per our conversation on June 16, 2015, I have verified and corrected the...

information that was preventing you from successfully enrolling.  Please allow 48-72 hours for our system to update with the corrected information.As of the date of this letter, records indicate that your account information has been updated with the correct date of birth and you have been able to successfully enroll for online services and schedule your payments.Please accept our sincere apologies for any inconvenience you may have had when attempting to enroll on our website, www.ucfs.net.For assistance with your online enrollment, I can be reached at 1-[redacted], Monday through Friday from 8:00am to 4:00pm eastern standard time.  I will be happy to assist you with your enrollment or to schedule your payment.Sincerely,Mary Anne M[redacted]Mary Anne M[redacted]Unit LeaderAccount Services Department CC: Revdex.com – ID# [redacted] UCFS Compliance Department

(The following was copy/paste by Revdex.com staff - LST)[redacted]October 26, 2017 Mr. [redacted] 
[redacted] Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Mr. D[redacted] We received your complaint filed with the...

Revdex.com. Thank you for the opportunity to respond to your concerns. We believe the overdraft fees you incurred were a result of an oversight by our customer service department. We are addressing this oversight with the employees involved in servicing your account. We sincerely apologize to you for the overdraft fees and the handling of your account. We are in the process of issuing you a refund of $50.00 for the electronic funds transfer dated August 31, 2017. The refund is being sent in a separate mailing. If you have any further issues regarding overdraft fees that you feel were caused by a payment processing error on our part, please send us the supporting information and we will investigate this further. Should you have any questions or require additional information, please reach out to me by telephone [redacted] extension 5015 or by email at [redacted] Sincerely, [redacted] Compliance Auditor

(The following was copy/paste by Revdex.com staff - LST)[redacted]November 20, 2017 [redacted] 
[redacted]  [redacted] Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Ms. L[redacted] I received your Revdex.com complaint...

regarding your purchase of a product from an independent merchant. 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 November 10, 2016. The Agreement was between you and the independent merchant who sold you the consumer product. We purchased the Agreement, thereby financing this transaction. A copy of the Agreement is enclosed. Prior to acquiring the Agreement, we verified the terms of the Agreement directly with you. Our verification procedures include, if applicable, verifying the existence and the terms of any same-as-cash option provided under the contract the consumer signed. According to the terms of the Agreement and our verification records, your Agreement did not contain a same-as-cash option ("SAC"). If you have any to support your claim please provide this to us. In your letter you referenced inaccurate credit reporting, having difficulty reaching a customer service representative and not receiving monthly statements. We have no record of any telephone calls from you.  We do not provide monthly statements as we are not required to do so. Based on the review of your account, we have determined the credit reporting is accurate. If you have any further questions concerning this matter or need assistance in accessing your account information through our website, please contact a customer service representative using the contact information below. Sincerely, [redacted] Compliance Auditor Enclosure

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

September 20, 2016 Ms. [redacted] RE: United Consumer Financial Services (UCFS) # [redacted] Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: We received your Revdex.com Complaint. Thank you for bringing this issue...

to our attention so we may properly assist you. In your Complaint, you state you mailed your cancellation notice with a tracking number for the consumer product you purchased on August 13, 2016. We ask that you provide us with the address to which you mailed the cancellation notice and a copy of the tracking number so we can properly investigate your cancellation claim. If 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[redacted]@ucfs.net. Sincerely, Cheryl B[redacted] Compliance Department

UNITED CONSUMER FINANCIAL SERVICES COMPANY 2/10/2016 Mr. [redacted] Re: Revdex.com complaint No. [redacted] ([redacted]) Dear Mr. [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 August 12, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer product. UCFS financed that purchase, and on August 12, 2015, we verified the terms of the agreement with you. Under the terms of your Agreement, you agreed to an amount financed of $2,100.00. In your Better Business Complaint, you indicate you want UCFS to discontinue calling you. A UCFS representative will attempt to reach you in regard to this Complaint. With that, though, and as a courtesy to you, UCFS will discontinue attempting to contact you by phone after our representative discusses this Complaint with you; UCFS will contact you from that point on in writing only. You are still welcome to call UCFS whenever you please. UCFS will bring your account current if you continue making payments on your account. Additionally, once payments resume on your account, UCFS will remove any negative reporting on your account by UCFS. 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

[redacted]5:29 PM to [redacted] They contact me after a year to make payment on something I believe it is paid off, they didn't contact me or send a letter regardless this payment, they wait until $433.36 interest to build up to$ 623.34 to contact me, I don't think is right I didn't have any knowledge of what was going on, he sold me the vacuum for $1600.00 and is paid off.,  is the company responsibility to inform the customer when they are late or made any payment after two month not a year later, I am not working at this moment and not receiving any government assistance. This company employees go to houses lying and scam people and the company knows, and i'm not the only one going true this situation with this company. this complain is not resolve.

July 18, 2016 Ms. [redacted] FL [redacted] RE: United Consumer Financial Services (UCFS) # [redacted]       Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: United Consumer Financial Services (UCFS) received your Better Business...

Bureau complaint. Thank you for bringing this issue to our attention so we may properly assist you. According to our records, on April 8, 2016, you signed a retail installment sales contract (the "Agreement"). According to the terms of your Agreement, you agreed to pay 48 monthly installment payments of $43.57 starting May 9, 2016. You agreed to pay finance charges of $688.11. Assuming all payments were made as scheduled, the total sales price of your purchase is $2,091.36. Your Complaint alleges that we are charging an interest rate higher than what Florida Statute permits. Florida law governing retail installment sales contracts allows a 12% add on interest rate method. Under the terms of your Agreement, you are paying an annual percentage rate of 21.15%. This is within limits set by Florida law for your Agreement. You also state that you were unaware of the cancellation provision in your Agreement. According to your Agreement, your signature was an acknowledgment that you read all terms governing your Agreement—this includes the cancellation provision displayed prominently on the front of your Agreement. The time you had to cancel your Agreement has expired. As of today, we have received 3 out of 48 monthly installment payments. Your next monthly installment payment is due on August 8, 2016 for $43.57. If you have any further questions, or need assistance, you can contact me at ###-###-####, extension 6115, or you can reach me via email at cb[redacted]@ucfs.net. Sincerely, Cheryl B[redacted] Compliance Department

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. The seller stated that he needed my name because I was the homeowner and not [redacted]. I told him when he first came that I didn't want my name on anything because I had just purchased that house. They came in on false pretenses and this finance company holds all contracts and knows that not everyone pays the same price or they wouldn't have complaints. I do not wish for this company to send any correspondences again to my new address because I didnt ask them to contact me at all. They should not condone sellers lying to people just to get a contract as well how they jack up the price for some people! 
Regards,
[redacted]

the guy who handled our [redacted] sale no longer works for them but if you call him he will give all the info needed and tell you that I did not get all the items and I was texts messages from 2013 asking where my items where to the seller he will confirm that. Also how is it that UCFS has record of me SUPPOSEDLY saying I was SATISFIED  but does not have record of when I called telling them I didn't receive my items and asking to cancel. Plus I got into with the lady because she was so rude about everything. This isn't fair at all I just want whats fair.

[redacted]August 29, 2017 Ms. Lalita [redacted] Bartow, FL 33830  Re: United Consumer Financial Services Account #[redacted] Dear Ms. [redacted]: We received your Revdex.com complaint regarding the credit reporting of your account...

with our company. Thank you for the opportunity to respond to your concerns. We investigated the credit reporting of your account and determined the reporting to be correct. Our records indicate no payment was made in the month of July. The payment due on July 3, 2017 was paid to your account on August 10, 2017. The posting of this payment was 30 days past the date the payment was due. A copy of your payment history is enclosed. if you believe the payment history of your account to be inaccurate or discover a payment which is not applied to your account, please provide us with information to support your claim. If you have any further questions concerning this matter, please feel free to contact a customer service representative at [redacted], or by email at www.ucfs.net. Sincerely, Karole [redacted] Compliance Auditor Enclosure

UNITED CONSUMER FINANCIAL SERVICES COMPANY 865 Bassett Road Westlake, Ohio 44145 (440) 835-3230 Ms. [redacted] March 15, 2016 Re: United Consumer Financial Services Account # [redacted] Revdex.com Complaint ID # [redacted] Dear Ms....

[redacted]: I am in receipt of the Complaint you filed with the Revdex.com (Revdex.com) regarding your account with United Consumer FinancialServices (UCFS). On August 22, 2015, you signed a retail installment sales contract (the "Agreement"), under which you agreed to an amount financed of $2,777.72 and to make 36 monthly payments of $109.84 each; with a finance charge of $1,176.52, the total you would have paid under the Agreement if paid to maturity would have been $3,954.24. According to the terms of the Agreement, payments were to begin November 23, 2015. However, the Agreement does state that the Agreement is subject to a six-month deferred first payment. We believe this is a typographical error. We apologize for the error. As a courtesy to you, we have converted your account with us to a six-month deferred first payment account. Because you recently paid off your account, we recalculated your account to configure the payoff amount as of the day you actually paid your account in full—February 26, 2016. As a six-month deferred first payment account, the payoff amount as of February 26, 2016 would have been higher than the amount you paid to pay your account in full. As a show of good faith, we are going to honor the February 26, 2016 payment as payment in full of your account with us. Your account with UCFS is closed with a zero balance and you owe no further obligation to us. If you have any questions for us, please contact us at 1-800-344-5000. Sincerely, Timothy K. S[redacted] Director of Compliance

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/2016 Ms. [redacted] United Consumer Financial Services Account # [redacted] Re: Revdex.com complaint ID# [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 we may properly assist you. We do apologize that you are having difficulties 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 received a voicemail from you on February 12, 2016 at 9:30 a.m.; by 11:15 a.m., a customer service representative called you back. At that time, you told our representative that you wanted another payment book because you were unable to locate the one you had. You were informed that it does take up to four weeks for the new payment book to be received by you. You also informed the representative that you cannot get access our website because of an incorrect password; the representative reset your password at that time. Please be aware that usernames and passwords on our website are case-sensitive. A payment book was requested for you on February 12, 2016; you should have received the payment book in the mail by now. This is an alternative method you can use to pay your account with us. We are currently reworking our website and anticipate the website project to be completed within the next six months. This change should make it easier and more convenient for our customers to access our website, view and manage their accounts, and make payments on their accounts. We are sorry for any inconvenience this may have caused you. Should you need further assistance, please contact me directly at 1-800-344-5000, extension 6115. Sincerely, Cheryl B[redacted] Compliance Department

October 3, 2016 Ms. [redacted] RE: United Consumer Financial Services Company (UCFS) # [redacted]       Revdex.com Complaint No. [redacted] Dear Ms. M[redacted]: We received your Revdex.com Complaint. Thank you for...

bringing this issue to our attention so we may address your concerns. Our records indicate that you signed a retail installment sales contract for the purchase of a consumer product (the "Agreement") on August 20, 2016. We send as a standard procedure a welcome letter to each [redacted] consumer of ours. We sent you a welcome letter on August 29, 2016. Subsequently, we were informed by the independent merchant who sold you your consumer product that you cancelled your Agreement. We apologize if this inconsistency caused you confusion. Please know that your account with us is closed with a zero balance, and you owe no further obligation to us. If you have any further questions, or need assistance, please contact us directly at 1-800-344-5000, extension 6115, or you can reach me via email at cb[redacted]@ucfs.net. Sincerely, Cheryl B[redacted]Compliance Department

UNITED CONSUMER R C SERVICES COMPANY 2/22/2016 Ms. [redacted]...

[redacted] Re: Revdex.com complaint ID# [redacted] United Consumer Financial Services Account # [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. UCFS financed the purchase of a consumer product made by you in 2015. On June 23, 2015, you signed a Retail Installment Sales Contract for a purchase of a consumer product, and the terms of the contract were verified with you on the same day. As part of your purchase, you filled out a credit application; that credit application contained reference contact information provided by you. On January 20, 2016, you put a stop payment on the check that was sent to UCFS for your monthly installment payment for that month. In an attempt to reach you regarding your account, UCFS contacted the phone numbers you provided in your credit application. On February 8, 2016 UCFS called your place of employment in attempt to reach you but was unsuccessful. The same day, you called into UCFS and spoke to a customer service representative; you stated you were having financial difficulty and wanted the merchandise picked up or to have the payments lowered. At that time, we advised you that cancelling your contract was not possible. Also during that February 8, 2016 conversation, you expressed concerns about UCFS contacting your employer and stated that you did not provide UCFS with that information. The representative that you spoke with removed your employer's contact information in accordance with your request. We are sympathetic that you are having financial difficulties. Please reach out to us as we are willing to work with you on a payment plan to help you during this difficult time. Please call and speak with one of our customer service representatives at 1-800-338-6507. We are happy to answer any questions or concerns you have. Sincerely, T. S[redacted] Director

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. According to our records, you signed a retail installment sales contract (the “Agreement”) on December 3, 2015 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. In your Complaint, you state that you did not receive items promised as part of the Agreement. Our records indicate that we spoke to you several times in December 2015; we have no record of you voicing this concern to our attention. We attempted to contact you several times throughout January and February 2014 but were unable to make contact with you. According to our records, your account charged off due to non-payment. Please contact us 1-800-344-5000 if you have any further questions or concerns. Very Truly Yours, Timothy [redacted] Director of Compliance

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 have the original contract and it states that total amount owed on this itemis 1700.00 total and 24 payments of 90.36 because the item was used and it was agreed when I purchased it the amount would be discounted give a fax and I can prove this matter.
Best Regards
[redacted]

(The following was copy/paste by Revdex.com staff - [redacted]September 28, 2017 Ms. [redacted]
[redacted] Re: United Consumer Financial Services Account # [redacted] Dear Ms. [redacted]: We received your complaint filed with the Revdex.com indicating you...

wish to return the product. Thank you for the opportunity to respond to your concern. According to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on June 14, 2017. We verified the terms of the Agreement with you on June 15, 2017. The Agreement was between you and the independent merchant who sold you the consumer product. We purchased the Agreement, thereby financing this transaction. A copy of the Agreement is enclosed. Under the terms of the Agreement, you had three business days to send in written notice of your intent to cancel the Agreement to the address listed in the cancellation notice section of the Agreement. Accordingly, you had until midnight of June 17, 2017 to send in written notice of your intent to cancel the Agreement. UCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has past. If you have any further questions concerning this matter, please feel free to contact a customer service representative at [redacted], or by email at [redacted]. Sincerely, Karole D[redacted] Compliance Auditor Enclosure

(The following was copy/paste by Revdex.com staff - [redacted])[redacted]September 28, 2017 Ms. [redacted]
[redacted] [redacted] RE: Revdex.com Complaint ID [redacted]) Dear Ms. [redacted]: United Consumer Financial Services Company (UCFS) received your Better...

Business Bureau Complaint. Thank you for bringing your concerns to our attention so we may assist in addressing them. We investigated the claims in your Complaint and determined that our systems encountered a calculation error when configuring the balance on your account after your final payment was timely made. You will receive a refund of $70.73, which we will process today; you should expect to receive this refund check in the next 15-20 business days. We are removing any negative credit reporting we did on your account due to our error. On behalf of our company, I apologize for the error and the inconvenience this caused you. Please know that we have addressed this matter internally and believe you will not be subject to additional inconvenience because of it. Please contact us directly at [redacted] or locally at [redacted] if you have any additional questions or concerns. Very Truly Yours, Timothy K. [redacted]Director of Compliance