Duckworth Environmental Services, Inc.

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.
Regards,
[redacted]

[redacted]April 4, 2017Mr. Joshua [redacted]
[redacted]
[redacted]RE: Revdex.com Complaint Number: [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.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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

865 Bassett Rd Westlake OH 44145 440-835-3230 October 3, 2016 Ms. [redacted] RE: United Consumer Financial Services (UCFS) # [redacted]      Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: We 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, you submitted payment to us through your financial institution's online bill pay feature. Please note that because we are not set up to electronically receive funds sent through online bill pay, your financial institution will pr.nt us a check and send that check to us in the mail. The delay in transit caused us to receive your payments after their due date. That said, we received your payoff on October 10, 2016. Your account is closed and paid in full. I do apologize for any inconvenience this may have caused you. If you have any further questions please contact me at1-800-344-5000, extension 6115, or you can reach me via email at [email protected]. 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.
Here is a copy of the emailed cancellation notice I sent to them.  I also have copies of the signed contract where I mailed them back to the company. 
Regards,
[redacted]

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]

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.
Regards,
[redacted]
  I disagree with the business representation of what occurred and I've included some text messages of my concerns to the sales person which probably wasn't included in his rebuttal. Not sure where John is getting from us saying we planned on using our income tax to pay for the rainbow? As I'm self-employed and I don't normally receive a refund.! This is the first fabrication! As to whether or not I was present for the entire presentation. This is False! When I entered the home the presentation was half way over. My wife was pressured to purchase and we refuse to be taken advantage of. Hopefully this proves we did have doubts and express concerns. We also spoke but there is no way to prove that. Our complaint is NOT unfounded and fabricated. Lastly I can see they took their time to respond to my complaint. In fact it took the full 30 day window to respond to my complaint and make their case and rebut everyone of my truthful accusations. I hope that you handle my concerns appropriately. I feel we can come to an agreement and resolve this where all parties are in agreement. Whereas it is right now, it's pretty one sided where I've been falsified in the eyes of the Revdex.com and the Finance Co. If there is any further information required please feel free to contact me. Through out this process all calls have stopped from the Finance Co and I haven't heard from the local distributor. This tells me they don't want to open the lines of communication and resolve this complaint amicably. The only outcome that I foresee is the finance company and the local distributor getting together and deciding what they're going to do with this machine. As stated previously I do not plan on making any payments on this machine, Now or in the future.  Machine available for pickup at our home address. Have a good day.

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]

Revdex.com: [redacted] contactedcthe seller of the vacume several times to settle the problem in the beginning months and they would nit even return my phone calls it was only when I finally received a call from the finance company that they wanted to do something after I had made payments. I am done paying for a used vacume I have nevere used and not going to now after monthes of no contact just saying ok, I was promised a new vacume the next day, months later they say ok now you can have one, I want this one gone, my money back, and nothing bad on my credit, to me this is terrible business practice[redacted]
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.]
Regards,
[redacted]
They were to give me a new vacume the next day, nevere returned my calles for several months, until the finance company finally called me, I want them to take the used vacume that is their show model they left, refund my money, and not have it reflect on my credit. That is no way to run a business, were you charge a person for months for a used product, will not return calls for months, and then try to finally make it ok when the Revdex.com is contacted, and the vacume company never did contact me just the finance company and that was two months after I caled them[redacted]

September 9, 2016 Ms[redacted] 3002 Paint Rock Killeen TX 76549 RE: United Consumer Financial Services (UCFS) # [redacted]       Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: We received your Revdex.com follow-up message to our response to your Complaint regarding the unpaid balance for your account with us. Enclosed with this letter is the amortization schedule for your account with us; this amortization schedule details the payments we received from you, a breakdown of how each payment was applied to the principle and interest on your account, the finances charges as they were earned by us, and a calculation of the total payoff of your account, which is good until October 4, 2016 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 [email protected]. Sincerely, Cheryl B[redacted] Compliance Department Enclosure

10/22/15. I just spoke with Mr. S[redacted] with UCFS.  He instructed me to look up precomputed agreement.  I did.. it states under department of Finance and Economics Compound interest may be computed in different ways. If youve already
signed on the dotted line, youre best bet is to make your payments as
scheduled(in which I did).  If lump sums are paid, they will also affect precomputed interest calculator the APR, as they lower the interest charges..  I called UCFS 10/15/15 tt Dawn and got the final pay off and was told $101.61 needs to be paid by 11/14/15. NOW look a the letter dated 10/9/2015  it states $125.63? - I sent $101.61 today(also verified with MR. S[redacted]) which would mean that I have paid the account off 1yr and 1 month early.  However the total amount I have paid with the precomputed interest is $1311.46 a difference of $29.90 saving for paying account off 1 yr early.  I just don't feel that it is right when the balance I had left after the $518.55 payment was $400.00. from march 2014 to September 2014 $73.40 was added to the balance in interest.  I can't see how UCFS can say this is right.  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]

(The following was copy/paste by Revdex.com staff - LST)[redacted]From: Tim [redacted]>Date: Wed, Aug 2, 2017 at 9:03 AMSubject: RE: Cleveland Revdex.com re: Boyce [redacted] [redacted]To: Lou [redacted]>Good Morning, Lou: I am unable to provide a response through the Revdex.com portal to Mr. [redacted]’s reopened Complaint.  As a result, I’m providing our response here. Mr. [redacted] arrives at his claim of paying approximately 43% in interest because he is taking the total precomputed finance charges and dividing it by the amount financed.  This is not how the APR rate is calculated on this type of debt. Please see the attached document.  This document is a reproduction of the terms of Mr. [redacted]’s agreement using finance calculation software provided to us by [redacted]., a provider of consumer lending software. The terms reproduced in the attached are the very terms to which Mr. [redacted] agreed and that we are enforcing as part of his agreement. If you have any further questions, please let me know. Timothy K. [redacted]Compliance Director  l  United Consumer Financial Services CompanyToll Free: 800-344-5000  l  Direct: [redacted]  l  Fax: [redacted]  l  Email: [redacted]865 Bassett Road  l  Westlake, Ohio 44145  l  www.ucfs.net

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

May 2, 2017 Re: United consumer Financial Services Account # [redacted] Dear [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,...

a payment of $3,265.00 posted to your account on April I I, 2017. An electronic funds transfer was in the process of transmission and posted to your account on April 12, 2017. These combined payments closed your account as paid in full with a refund. A refund of the overpayment on your account will be processed May 5, 2017. A refund is generally issued approximately 30 days from the date a payment is posted to an account. This normal business practice allows sufficient time for any stopped or reversed payments to be adjusted on the account. I apologize for any inconvenience this may have caused you. 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] United Consumer Financial Services

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]

8/22/2016 Mr. [redacted] RE: United Consumer Financial Services (UCFS) Account No. [redacted]      Revdex.com complaint No. [redacted] Dear Mr. Friend: We received your Revdex.com complaint. Thank you for bringing this issue...

to our attention so we may properly assist you. After our investigation, we determined that your account was improperly assessed a processing fee by our third-party payment processing vendor. Ordinarily, consumers setting up recurring payments are charged a $3.00 processing fee at the onset of their recurring payment schedule. Your account was charged a $3.00 processing fee on September 1, 2015, well into your recurring payment schedule. As a result of this improper processing fee, your September 1, 2015 payment was not sufficient to cover the balance due for September 2015. We unfortunately did not realize the error and credit rated your account as derogatory. Please accept my apology on behalf of our company for the error. We were made aware of this issue on or around May 12, 2016 after speaking with you. At that time, we made a request to the consumer reporting agencies to remove all derogatory ratings on your account. To date, the consumer reporting agencies have not updated the correct status of your account with us. We have sent another request to each credit reporting agency to which we credit reported your account. We will continue to monitor your account and its rated status until which time it is correctly reported to each credit reporting agency. We again sincerely apologize for the harm and frustration this error has caused you. We will take steps to address this matter with our third-party processing vendor to ensure this mistake does not occur again in the future. Your account is closed as paid in full. 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. Cheryl B[redacted] Compliance Department

(The following was copy/paste by Revdex.com staff - LST)[redacted]December 13, 2017 [redacted]
[redacted]
[redacted]  Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Ms. [redacted]: We received your Complaint filed with the Better Business...

Bureau. Thank you for the opportunity to address your concerns. We investigated your account and determined the final payoff amount was correct. Please note that you signed a financing contract that computes interest using a Simple Interest calculation. Your payment of $915.00, posted November 1, 2017, reduced the balance by $893.81, leaving a remaining balance. I apologize for any inconvenience this may have caused you. As a courtesy, we have waived the remaining balance and closed your account. At this time, we consider your account closed as paid in full. 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 D[redacted] Compliance Auditor

Dear [redacted]:Thank you for providing additional information in your follow-up response to my reply to your Revdex.com Complaint.In accordance with the terms of the Agreement you signed, we assessed a late fee to your account only in the months where your monthly payment due was not received within 10 days after your payment due date, which was the first of each month.  Any payment that was made a day or days prior to the scheduled due date would not trigger a late fee payment.With that said, as a courtesy to you and a show of good-faith to resolve this, we are willing to waive the remaining balance on your account--currently $18.40.Please reply to this message and confirm that our waiving this balance of $18.40 will resolve your Complaint to your satisfaction.I await your response.  Respectfully, Timothy *. S[redacted]Compliance DirectorUnited Consumer Financial Services Company

Thank you for the opportunity to respond to Mr. [redacted]'s Revdex.com Complaint.We spoke with Mr. [redacted] on August 11, 2016 and advised him that his account with us is now closed with a zero balance as paid in full.  We explained that the failure to close his account under his...

successfully-met same-as-cash option was our fault.  We are working internally to improve our operation to prevent this failure from reoccurring.If the Revdex.com requires additional information, please contact our office. Thank you,  Timothy K. S[redacted]Compliance DirectorUnited Consumer Financial Services Company

UNITED CONSUMER FINANCIAL SERVICES April 19, 2017 [redacted] RE: Revdex.com Complaint Number: [redacted] Dear [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 1, 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. Under the terms of the Agreement, you were to pay 18 monthly payments in the amount of $99.67. You agreed to pay late fee charges of $20 for each payment not received within 10 days from the payment due date. According to our records, you incurred late fees on six separate occasions. Moreover, your payment in July 2016 was returned as non-sufficient funds. Asa result of the late fees incurred on your account and the returned NSF payment, your account held a balance beyond the originally-scheduled 18 payments under your Agreement. Presently, your account has a balance of $18.40. Please contact us directly to arrange for payment of this balance. You can reach us at the information below. Very Truly Yours, Timothy *. S[redacted] Director of Compliance United Consumer Financial Services • 800-338-6507 • 865 Bassett Road • Westlake, Ohio 44145 • www.ucts.net Consumer Financing for In-Home and Specialty Products and Services