Duckworth Environmental Services, Inc.

April 14, 2016 [redacted] Re : Revdex.com Complaint ID# [redacted]        United Consumer Financial Services Account # [redacted] Dear Ms. [redacted]: United Consumer Financial Services Company (UCFS) received your Better...

Business Bureau Complaint. Thank you for bringing this issue to UCFS's attention so we may properly assist you. On December 10, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for a purchase of a consumer product, and the terms of the Agreement were verified with you on the same day. On December 17, 2015, UCFS sent you an acknowledgment letter confirming your new purchase and informing you that your monthly payments were scheduled for Electronic Funds Transfer (EFT) payment. Your first EFT monthly payment posted to your account on January 30, 2016. The second monthly installment payment posted to your account on February 29, 2016, but was then returned to your bank on March 7, 2016 because you revoked the authorization for that payment. We sent you a letter on March 8, 2016 informing you that the February EFT payment was returned and not honored by your bank. We spoke to you on March 15, 2016; you informed our representative that you needed to check with your bank about the returned payment. We did not speak to you again until April 3, 2016, when you informed our representative that you were waiting on taxes and would make payments by the end of the month. At no point during any of our conversations with you did you express any desire to cancel your Agreement, nor did you state that you had already cancelled your Agreement The first notice we had of your desire to cancel your Agreement was through the Better Business Complaint you filed. The merchant who sold you your consumer product confirmed that they did not receive cancellation notice from you. At this time, we cannot honor your request to cancel. Should you have anything further information to substantiate your allegations, please provide them to us so we can properly investigate your claim. Otherwise, please contact our office to make payment arrangements. If you need further assistance you may contact me at 1-800-344-5000. Ext 6115. Sincerely, Cheryl B[redacted] Operations Auditor

5/21/2016 Ms. [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. Your account with UCFS is closed and you have no further financial obligation to UCFS. We have removed all credit reporting activity for this account. I do hope this resolves your concerns. If you have any further questions or need assistance, you can contact our Customer Service Department at 1-800-338-6507 or visit our website @ucfs.net. Sincerely, Timothy K. Spencer Compliance Director

Dear Ms. [redacted]:I received your follow-up communication regarding the Complaint you submitted to the Revdex.com.  My response here will reply specifically and exclusively to your follow-up message as I believe we have addressed your other concerns.After reviewing your account, it appears that on at least two occasions you called in to our Account Services Department and attempted to make a payment using another person's debit card.  Our representatives informed you on both occasions that we need the cardholder's authorization in order to process the transaction.  We cannot process a transaction on or against someone's debit card without their authorization.If in the future you intend to make a payment using someone else's debit card, please make sure they are available so our representatives may speak with them and obtain the necessary authorizations before proceeding with processing the transaction.Thank you for your time and understanding. Sincerely, Timothy K. [redacted]Compliance DirectorUnited Consumer Financial Services Company

Date Sent: 2/24/2016 5:19:40 PMRevdex.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]

(The following was copy/paste by Revdex.com staff - LST)[redacted]October 17, 2017 Ms. [redacted]
[redacted] 
Re: United Consumer Financial Services Company (UCFS) Account [redacted] Dear Ms[redacted] I received your complaint filed with the Revdex.com....

Thank 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 April 6, 2017. We verified the terms of the Agreement with you. 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. During verification, you did not mention an unfulfilled sales promise regarding the merchandise. The Agreement does not reflect any sales promise to deliver a replacement product. Nonetheless, we contacted the merchant, on your behalf, and the merchant agreed to deliver you a new product. On September 7, 2017, you informed us you would not accept delivery of the new product. UCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has past. We encourage you to contact the merchant to arrange delivery or pick up of a replacement product. If you have any further questions concerning this matter, please feel free to contact me at [redacted] extension 5015 or email [redacted] Sincerely, Karole D[redacted] Compliance Auditor Enclosure

[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]
I received a response from   United Consumers from a Karole [redacted]  [redacted] who gave me a round-about explanation as to why I don't get a refund; her statement was that should I have paid off the entire financed amount at any time prior to the end of the term, I would have received a portion of the financed charges. Otherwise, each monthly payment included a portion of the finance charges and early pay off resulted in a rebate of the remaining finance charges to the pay off amount. I just considered this a play on words and have accepted the situation......too much drama and game.

The distributor who sold Ms. [redacted] her consumer product has made several attempts to contact Ms. [redacted] to coordinate product pick-up.  We ask that Ms. [redacted] reach out to the distributor--or, at the very least, keep communication open with the distributor--so the two parties can successfully coordinate product pick-up. We remain available to assist. Thank you,  Timothy K. S[redacted]Director of ComplianceUnited Consumer Financial Services Company

Dear Mr. [redacted]:According to our records, we verified the terms of the Agreement with you over the phone in December 2013.  During the verification process we specifically asked you if all merchandise items had been delivered to you, and if you believed everything was to your satisfaction.  You replied affirmatively.  Our verification process is based on a series of questions we ask each of our consumers to confirm: (1) that they understand the terms of the contract they are signing, (2) that they are satisfied with the purchase, and (3) that they are in possession of all items purchased.  We specifically ask this last question to determine whether we need to provide assistance on the consumer's behalf to ensure the consumer receives all items they were promised as part of their purchase.We also attempted to contact you several times in the weeks after we verified the Agreement with you.  We were unable to make contact with you.We will continue to work with you to resolve any issues you are having with your product.  However, we are obligated to provide accurate credit reporting for all consumer accounts with us.  We believe we are meeting this obligation.Please contact our account services department should you have any further questions or concerns. Thank you, Timothy [redacted]Compliance DirectorUnited Consumer Financial Services Company