Dear Mr [redacted] :According to our records, we verified the terms of the Agreement with you over the phone in December 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 concernsThank you, Timothy [redacted] Compliance DirectorUnited Consumer Financial Services Company
Please see the Bassett Rd Westlake OH 44145- 440-835- Ucfs.netDecember 3, [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 ***.Sincerely,Cheryl B***Compliance Deptattached letter sent to MsWoods in response to her Revdex.com Complaint Thank you
Dear Mr [redacted] : United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank you for bringing this issue to our attention so we may properly assist youAccording to our records, you signed a retail installment sales contract (the “Agreement”) on December 3, in order to obtain financing for the purchase of a consumer product from an independent merchantWe verified the terms of the Agreement with youIn your Complaint, you state that you did not receive items promised as part of the AgreementOur records indicate that we spoke to you several times in December 2015; we have no record of you voicing this concern to our attentionWe attempted to contact you several times throughout January and February but were unable to make contact with youAccording to our records, your account charged off due to non-paymentPlease contact us 1-800-344-if you have any further questions or concernsVery Truly Yours, Timothy [redacted] Director of Compliance
April 14, [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 ComplaintThank you for bringing this issue to UCFS's attention so we may properly assist youOn 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 dayOn 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) paymentYour first EFT monthly payment posted to your account on January 30, The second monthly installment payment posted to your account on February 29, 2016, but was then returned to your bank on March 7, because you revoked the authorization for that paymentWe sent you a letter on March 8, informing you that the February EFT payment was returned and not honored by your bankWe spoke to you on March 15, 2016; you informed our representative that you needed to check with your bank about the returned paymentWe 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 monthAt 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 filedThe merchant who sold you your consumer product confirmed that they did not receive cancellation notice from youAt this time, we cannot honor your request to cancelShould you have anything further information to substantiate your allegations, please provide them to us so we can properly investigate your claimOtherwise, please contact our office to make payment arrangementsIf you need further assistance you may contact me at 1-800-344-Ext Sincerely, Cheryl B [redacted] Operations Auditor
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 total and payments of 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]
[redacted] April 4, 2017MrJoshua [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, in order to obtain financing for the purchase of a consumer product from an independent merchantWe 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 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-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 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]
[redacted] August 29, MsLalita [redacted] Bartow, FL 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 companyThank you for the opportunity to respond to your concernsWe investigated the credit reporting of your account and determined the reporting to be correctOur records indicate no payment was made in the month of JulyThe payment due on July 3, was paid to your account on August 10, The posting of this payment was days past the date the payment was dueA copy of your payment history is enclosedif 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 claimIf 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.netSincerely, Karole [redacted] Compliance Auditor Enclosure
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 First I would like to say that their reply had a few ERRORS, I did not sign any in You state you have no record of me not receiving my items/products, Then why would your company have spoken with me so many times if there were no issues??? I have proof from the *** seller that I didn't get my items/productswhy would we pay off something that we don't have? All I want is for your company to stop making credit remarks on me and to remove it off my creditAnother in your reply your dates and years don't add upWe did not receive the shampooer or sweeper like we were suppose tooThe seller left the DEMO MODEL SWEEPER with no attachments or shampooer until we got ours in but things took a different route that's why we RETURNED the DEMO MODEL ONEThat's why I called to try and explain that to your company but they didn't/want to listen nor cared! Please REMOVE this from my credit
UNITED CONSUMER FINANCIAL SERVICES COMPANY Bassett Road Westlake, Ohio (440) 835-Ms [redacted] March 15, Re: United Consumer Financial Services Account # [redacted] Revdex.com Complaint ID # [redacted] Dear Ms ***: 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,and to make monthly payments of $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,According to the terms of the Agreement, payments were to begin November 23, However, the Agreement does state that the Agreement is subject to a six-month deferred first paymentWe believe this is a typographical errorWe apologize for the errorAs a courtesy to you, we have converted your account with us to a six-month deferred first payment accountBecause 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, As a six-month deferred first payment account, the payoff amount as of February 26, would have been higher than the amount you paid to pay your account in fullAs a show of good faith, we are going to honor the February 26, payment as payment in full of your account with usYour account with UCFS is closed with a zero balance and you owe no further obligation to usIf you have any questions for us, please contact us at 1-800-344-Sincerely, Timothy KS [redacted] Director of Compliance
UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/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 complaintThank you for bringing this issue to United Consumer Financial Services Company's (UCFS) attention so we may properly assist youWe do apologize that you are having difficulties reaching usWe are experiencing an unusually high volume of calls in light of a busy season for usOur office is open until midnight, Eastern Standard TimeTypically, if you call our office after 8:p.m(EST), the wait time to speak with a customer service representative is shorterUCFS received a voicemail from you on February 12, at 9:a.m.; by 11:a.m., a customer service representative called you backAt that time, you told our representative that you wanted another payment book because you were unable to locate the one you hadYou were informed that it does take up to four weeks for the new payment book to be received by youYou also informed the representative that you cannot get access our website because of an incorrect password; the representative reset your password at that timePlease be aware that usernames and passwords on our website are case-sensitiveA payment book was requested for you on February 12, 2016; you should have received the payment book in the mail by nowThis is an alternative method you can use to pay your account with usWe are currently reworking our website and anticipate the website project to be completed within the next six monthsThis 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 accountsWe are sorry for any inconvenience this may have caused youShould you need further assistance, please contact me directly at 1-800-344-5000, extension Sincerely, Cheryl B [redacted] Compliance Department
[redacted] ***)***April 4, 2017MsAngela [redacted] ***RE: Revdex.com Complaint Number: [redacted] Dear Ms [redacted] :United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank 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, in order to obtain financing for the purchase of a consumer product from an independent merchantWe 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 endWe failed to properly apply the payment you attempted to make to your account.Please accept my sincerely apologies for our errorWe 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 satisfactionYou may reach out to me directly by email at [redacted] or by phone at [redacted] .Very Truly Yours,Timothy K [redacted] Director of Compliance
UNITED CONSUMER FINANCIAL SERVICES April 19, [redacted] *** RE: Revdex.com Complaint Number: [redacted] Dear [redacted] : United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank you for bringing this issue to our attention so we may properly assist youAccording to our records, you signed a retail installment sales contract (the "Agreement") on August 1, in order to obtain financing for the purchase of a consumer product from an independent merchantWe verified the terms of the Agreement with youUnder the terms of the Agreement, you were to pay monthly payments in the amount of $You agreed to pay late fee charges of $for each payment not received within days from the payment due dateAccording to our records, you incurred late fees on six separate occasionsMoreover, your payment in July was returned as non-sufficient fundsAsa result of the late fees incurred on your account and the returned NSF payment, your account held a balance beyond the originally-scheduled payments under your AgreementPresently, your account has a balance of $Please contact us directly to arrange for payment of this balanceYou can reach us at the information belowVery Truly Yours, Timothy *S [redacted] Director of Compliance United Consumer Financial Services • 800-338-• Bassett Road • Westlake, Ohio • www.ucts.net Consumer Financing for In-Home and Specialty Products and Services
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 paymentsI 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 creditThat 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]
(The following was copy/paste by Revdex.com staff - LST)***From: Tim [redacted] >Date: Wed, Aug 2, at 9:AMSubject: RE: Cleveland Revdex.com re: Boyce [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 hereMr [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 debtPlease 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 softwareThe terms reproduced in the attached are the very terms to which Mr [redacted] agreed and that we are enforcing as part of his agreementIf you have any further questions, please let me knowTimothy K [redacted] Compliance Director l United Consumer Financial Services CompanyToll Free: 800-344- l Direct: [redacted] l Fax: [redacted] l Email: [redacted] Bassett Road l Westlake, Ohio l www.ucfs.net
UNITED CONSUMER FINANCIAL SERVICES COMPANY 2/10/Mr [redacted] Re: Revdex.com complaint No [redacted] ( [redacted] ***) 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 that we may properly assist youThe following is a summary of the activity on your account with UCFSOn August 12, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer productUCFS financed that purchase, and on August 12, 2015, we verified the terms of the agreement with youUnder the terms of your Agreement, you agreed to an amount financed of $2,In your Better Business Complaint, you indicate you want UCFS to discontinue calling youA UCFS representative will attempt to reach you in regard to this ComplaintWith 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 onlyYou are still welcome to call UCFS whenever you pleaseUCFS will bring your account current if you continue making payments on your accountAdditionally, once payments resume on your account, UCFS will remove any negative reporting on your account by UCFSIf you have any further questions or concerns or need assistance, you can contact our Customer Service Department at 1-800-338-or visit our website at ucfs.netSincerely, Cheryl B [redacted] Compliance Department
Dear Ms***:I received your follcommunication regarding the Complaint you submitted to the Revdex.com My response here will reply specifically and exclusively to your follmessage 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 understandingSincerely, Timothy K [redacted] Compliance DirectorUnited Consumer Financial Services Company
8/22/Mr [redacted] RE: United Consumer Financial Services (UCFS) Account No [redacted] Revdex.com complaint No [redacted] Dear MrFriend: We received your Revdex.com complaintThank you for bringing this issue to our attention so we may properly assist youAfter our investigation, we determined that your account was improperly assessed a processing fee by our third-party payment processing vendorOrdinarily, consumers setting up recurring payments are charged a $processing fee at the onset of their recurring payment scheduleYour account was charged a $processing fee on September 1, 2015, well into your recurring payment scheduleAs a result of this improper processing fee, your September 1, payment was not sufficient to cover the balance due for September We unfortunately did not realize the error and credit rated your account as derogatoryPlease accept my apology on behalf of our company for the errorWe were made aware of this issue on or around May 12, after speaking with youAt that time, we made a request to the consumer reporting agencies to remove all derogatory ratings on your accountTo date, the consumer reporting agencies have not updated the correct status of your account with usWe have sent another request to each credit reporting agency to which we credit reported your accountWe will continue to monitor your account and its rated status until which time it is correctly reported to each credit reporting agencyWe again sincerely apologize for the harm and frustration this error has caused youWe will take steps to address this matter with our third-party processing vendor to ensure this mistake does not occur again in the futureYour account is closed as paid in fullIf 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 Cheryl B [redacted] Compliance Department
1/26/ [redacted] ***C/O [redacted] Re: Revdex.com complaint ID# [redacted] Dear Ms [redacted] : United Consumer Financial Services Company (UCFS) received your Revdex.com complaintThank you for bringing this issue to UCFS's attention so we may properly assist youThis letter is to confirm our conversation and email that was sent to you on [redacted] ***'s account with UCFSUCFS has agreed to advance the first payment due date on the account to February 17, As a result, a new coupon book will be mailed to the address we have on file for Mr***If you do not receive the coupon book in time to make the first payment, please mail the payment of $to our home office below: United Consumer Financial Services CoBassett Rd Westlake OH When sending in payment, please note the account number on the payment documentTo confirm: consumers can only access UCFS's website using internet explorerWe 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 browsersIf 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:a.mto 5:p.mEST; by email at cb***@ucfs.net; or in writing at the above addressSincerely, Cheryl B [redacted] Compliance Department C: Revdex.com file #
Dear Mr [redacted] :According to our records, we verified the terms of the Agreement with you over the phone in December 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 concernsThank you, Timothy [redacted] Compliance DirectorUnited Consumer Financial Services Company
Please see the attached response
Please see the Bassett Rd Westlake OH 44145- 440-835- Ucfs.netDecember 3, [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 ***.Sincerely,Cheryl B***Compliance Deptattached letter sent to MsWoods in response to her Revdex.com Complaint Thank you
Dear Mr [redacted] : United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank you for bringing this issue to our attention so we may properly assist youAccording to our records, you signed a retail installment sales contract (the “Agreement”) on December 3, in order to obtain financing for the purchase of a consumer product from an independent merchantWe verified the terms of the Agreement with youIn your Complaint, you state that you did not receive items promised as part of the AgreementOur records indicate that we spoke to you several times in December 2015; we have no record of you voicing this concern to our attentionWe attempted to contact you several times throughout January and February but were unable to make contact with youAccording to our records, your account charged off due to non-paymentPlease contact us 1-800-344-if you have any further questions or concernsVery Truly Yours, Timothy [redacted] Director of Compliance
April 14, [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 ComplaintThank you for bringing this issue to UCFS's attention so we may properly assist youOn 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 dayOn 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) paymentYour first EFT monthly payment posted to your account on January 30, The second monthly installment payment posted to your account on February 29, 2016, but was then returned to your bank on March 7, because you revoked the authorization for that paymentWe sent you a letter on March 8, informing you that the February EFT payment was returned and not honored by your bankWe spoke to you on March 15, 2016; you informed our representative that you needed to check with your bank about the returned paymentWe 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 monthAt 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 filedThe merchant who sold you your consumer product confirmed that they did not receive cancellation notice from youAt this time, we cannot honor your request to cancelShould you have anything further information to substantiate your allegations, please provide them to us so we can properly investigate your claimOtherwise, please contact our office to make payment arrangementsIf you need further assistance you may contact me at 1-800-344-Ext Sincerely, Cheryl B [redacted] Operations Auditor
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 total and payments of 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]
[redacted] April 4, 2017MrJoshua [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, in order to obtain financing for the purchase of a consumer product from an independent merchantWe 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 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-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 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]
[redacted] August 29, MsLalita [redacted] Bartow, FL 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 companyThank you for the opportunity to respond to your concernsWe investigated the credit reporting of your account and determined the reporting to be correctOur records indicate no payment was made in the month of JulyThe payment due on July 3, was paid to your account on August 10, The posting of this payment was days past the date the payment was dueA copy of your payment history is enclosedif 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 claimIf 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.netSincerely, Karole [redacted] Compliance Auditor Enclosure
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 First I would like to say that their reply had a few ERRORS, I did not sign any in You state you have no record of me not receiving my items/products, Then why would your company have spoken with me so many times if there were no issues??? I have proof from the *** seller that I didn't get my items/productswhy would we pay off something that we don't have? All I want is for your company to stop making credit remarks on me and to remove it off my creditAnother in your reply your dates and years don't add upWe did not receive the shampooer or sweeper like we were suppose tooThe seller left the DEMO MODEL SWEEPER with no attachments or shampooer until we got ours in but things took a different route that's why we RETURNED the DEMO MODEL ONEThat's why I called to try and explain that to your company but they didn't/want to listen nor cared! Please REMOVE this from my credit
UNITED CONSUMER FINANCIAL SERVICES COMPANY Bassett Road Westlake, Ohio (440) 835-Ms [redacted] March 15, Re: United Consumer Financial Services Account # [redacted] Revdex.com Complaint ID # [redacted] Dear Ms ***: 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,and to make monthly payments of $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,According to the terms of the Agreement, payments were to begin November 23, However, the Agreement does state that the Agreement is subject to a six-month deferred first paymentWe believe this is a typographical errorWe apologize for the errorAs a courtesy to you, we have converted your account with us to a six-month deferred first payment accountBecause 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, As a six-month deferred first payment account, the payoff amount as of February 26, would have been higher than the amount you paid to pay your account in fullAs a show of good faith, we are going to honor the February 26, payment as payment in full of your account with usYour account with UCFS is closed with a zero balance and you owe no further obligation to usIf you have any questions for us, please contact us at 1-800-344-Sincerely, Timothy KS [redacted] Director of Compliance
UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/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 complaintThank you for bringing this issue to United Consumer Financial Services Company's (UCFS) attention so we may properly assist youWe do apologize that you are having difficulties reaching usWe are experiencing an unusually high volume of calls in light of a busy season for usOur office is open until midnight, Eastern Standard TimeTypically, if you call our office after 8:p.m(EST), the wait time to speak with a customer service representative is shorterUCFS received a voicemail from you on February 12, at 9:a.m.; by 11:a.m., a customer service representative called you backAt that time, you told our representative that you wanted another payment book because you were unable to locate the one you hadYou were informed that it does take up to four weeks for the new payment book to be received by youYou also informed the representative that you cannot get access our website because of an incorrect password; the representative reset your password at that timePlease be aware that usernames and passwords on our website are case-sensitiveA payment book was requested for you on February 12, 2016; you should have received the payment book in the mail by nowThis is an alternative method you can use to pay your account with usWe are currently reworking our website and anticipate the website project to be completed within the next six monthsThis 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 accountsWe are sorry for any inconvenience this may have caused youShould you need further assistance, please contact me directly at 1-800-344-5000, extension Sincerely, Cheryl B [redacted] Compliance Department
[redacted] ***)***April 4, 2017MsAngela [redacted] ***RE: Revdex.com Complaint Number: [redacted] Dear Ms [redacted] :United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank 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, in order to obtain financing for the purchase of a consumer product from an independent merchantWe 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 endWe failed to properly apply the payment you attempted to make to your account.Please accept my sincerely apologies for our errorWe 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 satisfactionYou may reach out to me directly by email at [redacted] or by phone at [redacted] .Very Truly Yours,Timothy K [redacted] Director of Compliance
UNITED CONSUMER FINANCIAL SERVICES April 19, [redacted] *** RE: Revdex.com Complaint Number: [redacted] Dear [redacted] : United Consumer Financial Services (UCFS) received your Revdex.com ComplaintThank you for bringing this issue to our attention so we may properly assist youAccording to our records, you signed a retail installment sales contract (the "Agreement") on August 1, in order to obtain financing for the purchase of a consumer product from an independent merchantWe verified the terms of the Agreement with youUnder the terms of the Agreement, you were to pay monthly payments in the amount of $You agreed to pay late fee charges of $for each payment not received within days from the payment due dateAccording to our records, you incurred late fees on six separate occasionsMoreover, your payment in July was returned as non-sufficient fundsAsa result of the late fees incurred on your account and the returned NSF payment, your account held a balance beyond the originally-scheduled payments under your AgreementPresently, your account has a balance of $Please contact us directly to arrange for payment of this balanceYou can reach us at the information belowVery Truly Yours, Timothy *S [redacted] Director of Compliance United Consumer Financial Services • 800-338-• Bassett Road • Westlake, Ohio • www.ucts.net Consumer Financing for In-Home and Specialty Products and Services
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 paymentsI 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 creditThat 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]
(The following was copy/paste by Revdex.com staff - LST)***From: Tim [redacted] >Date: Wed, Aug 2, at 9:AMSubject: RE: Cleveland Revdex.com re: Boyce [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 hereMr [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 debtPlease 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 softwareThe terms reproduced in the attached are the very terms to which Mr [redacted] agreed and that we are enforcing as part of his agreementIf you have any further questions, please let me knowTimothy K [redacted] Compliance Director l United Consumer Financial Services CompanyToll Free: 800-344- l Direct: [redacted] l Fax: [redacted] l Email: [redacted] Bassett Road l Westlake, Ohio l www.ucfs.net
UNITED CONSUMER FINANCIAL SERVICES COMPANY 2/10/Mr [redacted] Re: Revdex.com complaint No [redacted] ( [redacted] ***) 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 that we may properly assist youThe following is a summary of the activity on your account with UCFSOn August 12, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer productUCFS financed that purchase, and on August 12, 2015, we verified the terms of the agreement with youUnder the terms of your Agreement, you agreed to an amount financed of $2,In your Better Business Complaint, you indicate you want UCFS to discontinue calling youA UCFS representative will attempt to reach you in regard to this ComplaintWith 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 onlyYou are still welcome to call UCFS whenever you pleaseUCFS will bring your account current if you continue making payments on your accountAdditionally, once payments resume on your account, UCFS will remove any negative reporting on your account by UCFSIf you have any further questions or concerns or need assistance, you can contact our Customer Service Department at 1-800-338-or visit our website at ucfs.netSincerely, Cheryl B [redacted] Compliance Department
Dear Ms***:I received your follcommunication regarding the Complaint you submitted to the Revdex.com My response here will reply specifically and exclusively to your follmessage 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 understandingSincerely, Timothy K [redacted] Compliance DirectorUnited Consumer Financial Services Company
8/22/Mr [redacted] RE: United Consumer Financial Services (UCFS) Account No [redacted] Revdex.com complaint No [redacted] Dear MrFriend: We received your Revdex.com complaintThank you for bringing this issue to our attention so we may properly assist youAfter our investigation, we determined that your account was improperly assessed a processing fee by our third-party payment processing vendorOrdinarily, consumers setting up recurring payments are charged a $processing fee at the onset of their recurring payment scheduleYour account was charged a $processing fee on September 1, 2015, well into your recurring payment scheduleAs a result of this improper processing fee, your September 1, payment was not sufficient to cover the balance due for September We unfortunately did not realize the error and credit rated your account as derogatoryPlease accept my apology on behalf of our company for the errorWe were made aware of this issue on or around May 12, after speaking with youAt that time, we made a request to the consumer reporting agencies to remove all derogatory ratings on your accountTo date, the consumer reporting agencies have not updated the correct status of your account with usWe have sent another request to each credit reporting agency to which we credit reported your accountWe will continue to monitor your account and its rated status until which time it is correctly reported to each credit reporting agencyWe again sincerely apologize for the harm and frustration this error has caused youWe will take steps to address this matter with our third-party processing vendor to ensure this mistake does not occur again in the futureYour account is closed as paid in fullIf 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 Cheryl B [redacted] Compliance Department
1/26/ [redacted] ***C/O [redacted] Re: Revdex.com complaint ID# [redacted] Dear Ms [redacted] : United Consumer Financial Services Company (UCFS) received your Revdex.com complaintThank you for bringing this issue to UCFS's attention so we may properly assist youThis letter is to confirm our conversation and email that was sent to you on [redacted] ***'s account with UCFSUCFS has agreed to advance the first payment due date on the account to February 17, As a result, a new coupon book will be mailed to the address we have on file for Mr***If you do not receive the coupon book in time to make the first payment, please mail the payment of $to our home office below: United Consumer Financial Services CoBassett Rd Westlake OH When sending in payment, please note the account number on the payment documentTo confirm: consumers can only access UCFS's website using internet explorerWe 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 browsersIf 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:a.mto 5:p.mEST; by email at cb***@ucfs.net; or in writing at the above addressSincerely, Cheryl B [redacted] Compliance Department C: Revdex.com file #