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 Thanks very much for your help in this matter, [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 rebuttalNot 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 presentationThis is False! When I entered the home the presentation was half way overMy wife was pressured to purchase and we refuse to be taken advantage ofHopefully this proves we did have doubts and express concernsWe also spoke but there is no way to prove thatOur complaint is NOT unfounded and fabricatedLastly I can see they took their time to respond to my complaintIn fact it took the full day window to respond to my complaint and make their case and rebut everyone of my truthful accusationsI hope that you handle my concerns appropriatelyI feel we can come to an agreement and resolve this where all parties are in agreementWhereas it is right now, it's pretty one sided where I've been falsified in the eyes of the Revdex.com and the Finance CoIf there is any further information required please feel free to contact meThrough out this process all calls have stopped from the Finance Co and I haven't heard from the local distributorThis tells me they don't want to open the lines of communication and resolve this complaint amicablyThe 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 machineAs 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 addressHave a good day
September 9, Ms [redacted] Paint Rock Killeen TX RE: United Consumer Financial Services (UCFS) # [redacted] Revdex.com Complaint No [redacted] Dear Ms [redacted] : We received your Revdex.com follmessage to our response to your Complaint regarding the unpaid balance for your account with usEnclosed 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, 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], Cheryl B [redacted] Compliance Department 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 I have attached a copy of my copies the address is [redacted] ***Tracking usps# [redacted] M [redacted] picked up the vacuum and I called to see if anyone needed a copy of my copies and they keep telling me sometime will contact me in 48hrs and noone never doesYesterday I spoke a James, when the message didn't show 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 The 3-day period to cancel the contract was not verbally communicated and it is not "prominently" shown on the contract, but rather in fine printThe financed product is of low quality and very difficult to use, putting a lot of strain on my neck and backI definitely do not want to pay over $for something I will be unable to useI respectfully request again that the finance contract and the sales contract be cancelledI need [redacted] to remove the product from my household and the unpaid balance removed from my credit report Regards, [redacted]
10/22/I just spoke with MrS [redacted] with UCFS He instructed me to look up precomputed agreement I didit states under department of Finance and Economics Compound interest may be computed in different waysIf 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/tt Dawn and got the final pay off and was told $needs to be paid by 11/14/NOW look a the letter dated 10/9/ it states $125.63? - I sent $today(also verified with MRS [redacted] ) which would mean that I have paid the account off 1yr and month early However the total amount I have paid with the precomputed interest is $a difference of $saving for paying account off yr early I just don't feel that it is right when the balance I had left after the $payment was $from march to September $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] ***
Bassett Rd Westlake OH 440-835-October 3, Ms [redacted] RE: United Consumer Financial Services (UCFS) # [redacted] Revdex.com Complaint No [redacted] Dear Ms [redacted] : We received your RevDex.com ComplaintThank you for bringing this issue to our attention so we may properly assist youAccording to our records, you submitted payment to us through your financial institution's online bill pay featurePlease 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 mailThe delay in transit caused us to receive your payments after their due dateThat said, we received your payoff on October 10, Your account is closed and paid in fullI do apologize for any inconvenience this may have caused youIf you have any further questions please contact me at1-800-344-5000, extension 6115, or you can reach me via email at [email protected], Cheryl B [redacted] Compliance Department
(The following was copy/paste by Revdex.com staff - LST)***October 17, Ms [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 merchantAccording to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on April 6, We verified the terms of the Agreement with youThe Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transactionA copy of the Agreement is enclosedDuring verification, you did not mention an unfulfilled sales promise regarding the merchandiseThe Agreement does not reflect any sales promise to deliver a replacement productNonetheless, we contacted the merchant, on your behalf, and the merchant agreed to deliver you a new productOn September 7, 2017, you informed us you would not accept delivery of the new productUCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has pastWe encourage you to contact the merchant to arrange delivery or pick up of a replacement productIf you have any further questions concerning this matter, please feel free to contact me at [redacted] extension or email [redacted] Sincerely, Karole D [redacted] Compliance Auditor Enclosure
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 As I stated I agreed to $NOT $959.68? I'm not sure why $is being added to amount I agreed to Also in September I asked the UCFSC representive to continue the auto bank draft that I authorized, she NEVER told me to continue to make payments? It wasn't until I called my March that I was told UCFSC can only schedule payment, however they could not continue the auto pay because the account was not due Which again does not answer my question of charging interest on an amount that is not due? Also Those payment of differing amounts is more than what more than what you were suppposed to be taking out of my account each month and they total $which would mean I have paid you $ The issue is being charged the interest when IF in fact I was told back in September that she would only be able schedule payment I would have started making the payment myself back thenShe just kept saying you didn't notice it wasn't being taking out of your account? This just makes [redacted] look bad, as I said before I like the product but I don't like being taken advantage of Your billing Statement says $is the total that would be paid during the agreement(over I think years) if I kept with the payment however your company decided not to keep with the payment agreement and still do not understand why Regards, [redacted] ***
(The following was copy/paste by Revdex.com staff - ***)***September 28, Ms [redacted] RE: Revdex.com Complaint ID [redacted] ( [redacted] ) Dear Ms [redacted] : United Consumer Financial Services Company (UCFS) received your Better Business Bureau ComplaintThank you for bringing your concerns to our attention so we may assist in addressing themWe 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 madeYou will receive a refund of $70.73, which we will process today; you should expect to receive this refund check in the next 15-business daysWe are removing any negative credit reporting we did on your account due to our errorOn behalf of our company, I apologize for the error and the inconvenience this caused youPlease know that we have addressed this matter internally and believe you will not be subject to additional inconvenience because of itPlease contact us directly at [redacted] or locally at [redacted] if you have any additional questions or concernsVery Truly Yours, Timothy K [redacted] Director of Compliance
(The following was copy/paste by Revdex.com staff - LST)***October 26, Mr [redacted] [redacted] ** [redacted] *** Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear MrD [redacted] We received your complaint filed with the Revdex.comThank you for the opportunity to respond to your concernsWe believe the overdraft fees you incurred were a result of an oversight by our customer service departmentWe are addressing this oversight with the employees involved in servicing your accountWe sincerely apologize to you for the overdraft fees and the handling of your accountWe are in the process of issuing you a refund of $for the electronic funds transfer dated August 31, The refund is being sent in a separate mailingIf 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 furtherShould you have any questions or require additional information, please reach out to me by telephone [redacted] extension or by email at [redacted] Sincerely, [redacted] *** Compliance Auditor
(The following was copy/paste by Revdex.com staff - [redacted] April 3, [redacted] Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear [redacted] I received your complaint filed with the Better Business BureauThank you for the opportunity to respond to your concerns.We do apologize for any confusion regarding the prepayment of your account and your subsequent attempts to make a payment through our website.As a courtesy, we agreed to extend the same-as-cash expiration date of your accountAt 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 me at [redacted] extension ***, or by email at [redacted] Sincerely,Karole ***Compliance Auditor
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, Re: United consumer Financial Services Account [redacted] Dear [redacted] : I received your Revdex.com complaint regarding your purchase of a product from an independent merchantThank you for the opportunity to respond to your concernsAccording to our records, a payment of $3,posted to your account on April I I, An electronic funds transfer was in the process of transmission and posted to your account on April 12, These combined payments closed your account as paid in full with a refundA refund of the overpayment on your account will be processed May 5, A refund is generally issued approximately days from the date a payment is posted to an accountThis business practice allows sufficient time for any stopped or reversed payments to be adjusted on the accountI apologize for any inconvenience this may have caused youif 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
Dear Mr [redacted] :Thank you for the follinformation You are correct that my letter to you had at least one error on it The date you signed your retail installment sales contract (the "Agreement") was December 2, 2013, not December 3, as I stated in my previous letter I apologize for the error.The remainder of the information in my previous letter to you is accurate We spoke with you initially to confirm you understand your obligation under the Agreement, that all promises made under the Agreement were fulfilled, and that you were satisfied with the negotiation of the Agreement This is a standard verification we do with each of our consumers.Subsequent communications with you related to delinquent payments on your account with us In your follcommunication, you state that you have proof from the independent merchant who sold you your consumer product that you did not receive all items promised under the Agreement Please submit this information directly to my attention at [redacted] I will review it personally.Again, I appreciate you bringing this to my attention I remain available to assist youBest, Timothy [redacted] Compliance DirectorUnited Consumer Financial Services Company
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)***July 13, MrBoyce [redacted] [redacted] *** Re: United Consumer Financial Services Account # [redacted] Dear Mr [redacted] : We received your complaint filed with the Revdex.comThank you for the opportunity to address your concerns According to our records, you signed a retail installment sales contract (the "Agreement") for the purchase of a consumer product on May 31, We verified the terms with youThe Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transactionWe understand you are alleging you cancelled the AgreementUnder the terms of the Agreement, you had three business days to send in a signed cancellation notice to the address listed in the cancellation notice section of the AgreementAccordingly, you had until midnight of June 3, to send in written notice of your intent to cancel the AgreementWe appreciate that you now regret your purchaseUnfortunately, you must still honor your obligation to us under the AgreementWe encourage you to contact the independent merchant for the issue you are having with the shampooer or any service related problems with the product at: [redacted] 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.netSincerely,Karole *** Compliance Auditor
[redacted] ** to Better Sorry for not responding soonerThe company and I did come up with an agreement to resolve the problemthe company agree to fix what was reported in my credit report and the settlement amount was what they proposedThank you for your help
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***@ucfs.net. Sincerely, Cheryl B***Compliance Department
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 Thanks very much for your help in this matter, [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 rebuttalNot 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 presentationThis is False! When I entered the home the presentation was half way overMy wife was pressured to purchase and we refuse to be taken advantage ofHopefully this proves we did have doubts and express concernsWe also spoke but there is no way to prove thatOur complaint is NOT unfounded and fabricatedLastly I can see they took their time to respond to my complaintIn fact it took the full day window to respond to my complaint and make their case and rebut everyone of my truthful accusationsI hope that you handle my concerns appropriatelyI feel we can come to an agreement and resolve this where all parties are in agreementWhereas it is right now, it's pretty one sided where I've been falsified in the eyes of the Revdex.com and the Finance CoIf there is any further information required please feel free to contact meThrough out this process all calls have stopped from the Finance Co and I haven't heard from the local distributorThis tells me they don't want to open the lines of communication and resolve this complaint amicablyThe 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 machineAs 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 addressHave a good day
September 9, Ms [redacted] Paint Rock Killeen TX RE: United Consumer Financial Services (UCFS) # [redacted] Revdex.com Complaint No [redacted] Dear Ms [redacted] : We received your Revdex.com follmessage to our response to your Complaint regarding the unpaid balance for your account with usEnclosed 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, 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], Cheryl B [redacted] Compliance Department 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 I have attached a copy of my copies the address is [redacted] ***Tracking usps# [redacted] M [redacted] picked up the vacuum and I called to see if anyone needed a copy of my copies and they keep telling me sometime will contact me in 48hrs and noone never doesYesterday I spoke a James, when the message didn't show Regards, [redacted]
Please see the attached responsive letter, which will be sent to MsP [redacted] via email shortly
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 The 3-day period to cancel the contract was not verbally communicated and it is not "prominently" shown on the contract, but rather in fine printThe financed product is of low quality and very difficult to use, putting a lot of strain on my neck and backI definitely do not want to pay over $for something I will be unable to useI respectfully request again that the finance contract and the sales contract be cancelledI need [redacted] to remove the product from my household and the unpaid balance removed from my credit report Regards, [redacted]
10/22/I just spoke with MrS [redacted] with UCFS He instructed me to look up precomputed agreement I didit states under department of Finance and Economics Compound interest may be computed in different waysIf 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/tt Dawn and got the final pay off and was told $needs to be paid by 11/14/NOW look a the letter dated 10/9/ it states $125.63? - I sent $today(also verified with MRS [redacted] ) which would mean that I have paid the account off 1yr and month early However the total amount I have paid with the precomputed interest is $a difference of $saving for paying account off yr early I just don't feel that it is right when the balance I had left after the $payment was $from march to September $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] ***
Bassett Rd Westlake OH 440-835-October 3, Ms [redacted] RE: United Consumer Financial Services (UCFS) # [redacted] Revdex.com Complaint No [redacted] Dear Ms [redacted] : We received your RevDex.com ComplaintThank you for bringing this issue to our attention so we may properly assist youAccording to our records, you submitted payment to us through your financial institution's online bill pay featurePlease 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 mailThe delay in transit caused us to receive your payments after their due dateThat said, we received your payoff on October 10, Your account is closed and paid in fullI do apologize for any inconvenience this may have caused youIf you have any further questions please contact me at1-800-344-5000, extension 6115, or you can reach me via email at [email protected], Cheryl B [redacted] Compliance Department
(The following was copy/paste by Revdex.com staff - LST)***October 17, Ms [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 merchantAccording to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on April 6, We verified the terms of the Agreement with youThe Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transactionA copy of the Agreement is enclosedDuring verification, you did not mention an unfulfilled sales promise regarding the merchandiseThe Agreement does not reflect any sales promise to deliver a replacement productNonetheless, we contacted the merchant, on your behalf, and the merchant agreed to deliver you a new productOn September 7, 2017, you informed us you would not accept delivery of the new productUCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has pastWe encourage you to contact the merchant to arrange delivery or pick up of a replacement productIf you have any further questions concerning this matter, please feel free to contact me at [redacted] extension or email [redacted] Sincerely, Karole D [redacted] Compliance Auditor Enclosure
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 As I stated I agreed to $NOT $959.68? I'm not sure why $is being added to amount I agreed to Also in September I asked the UCFSC representive to continue the auto bank draft that I authorized, she NEVER told me to continue to make payments? It wasn't until I called my March that I was told UCFSC can only schedule payment, however they could not continue the auto pay because the account was not due Which again does not answer my question of charging interest on an amount that is not due? Also Those payment of differing amounts is more than what more than what you were suppposed to be taking out of my account each month and they total $which would mean I have paid you $ The issue is being charged the interest when IF in fact I was told back in September that she would only be able schedule payment I would have started making the payment myself back thenShe just kept saying you didn't notice it wasn't being taking out of your account? This just makes [redacted] look bad, as I said before I like the product but I don't like being taken advantage of Your billing Statement says $is the total that would be paid during the agreement(over I think years) if I kept with the payment however your company decided not to keep with the payment agreement and still do not understand why Regards, [redacted] ***
(The following was copy/paste by Revdex.com staff - ***)***September 28, Ms [redacted] RE: Revdex.com Complaint ID [redacted] ( [redacted] ) Dear Ms [redacted] : United Consumer Financial Services Company (UCFS) received your Better Business Bureau ComplaintThank you for bringing your concerns to our attention so we may assist in addressing themWe 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 madeYou will receive a refund of $70.73, which we will process today; you should expect to receive this refund check in the next 15-business daysWe are removing any negative credit reporting we did on your account due to our errorOn behalf of our company, I apologize for the error and the inconvenience this caused youPlease know that we have addressed this matter internally and believe you will not be subject to additional inconvenience because of itPlease contact us directly at [redacted] or locally at [redacted] if you have any additional questions or concernsVery Truly Yours, Timothy K [redacted] Director of Compliance
(The following was copy/paste by Revdex.com staff - LST)***October 26, Mr [redacted] [redacted] ** [redacted] *** Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear MrD [redacted] We received your complaint filed with the Revdex.comThank you for the opportunity to respond to your concernsWe believe the overdraft fees you incurred were a result of an oversight by our customer service departmentWe are addressing this oversight with the employees involved in servicing your accountWe sincerely apologize to you for the overdraft fees and the handling of your accountWe are in the process of issuing you a refund of $for the electronic funds transfer dated August 31, The refund is being sent in a separate mailingIf 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 furtherShould you have any questions or require additional information, please reach out to me by telephone [redacted] extension or by email at [redacted] Sincerely, [redacted] *** Compliance Auditor
(The following was copy/paste by Revdex.com staff - [redacted] April 3, [redacted] Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear [redacted] I received your complaint filed with the Better Business BureauThank you for the opportunity to respond to your concerns.We do apologize for any confusion regarding the prepayment of your account and your subsequent attempts to make a payment through our website.As a courtesy, we agreed to extend the same-as-cash expiration date of your accountAt 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 me at [redacted] extension ***, or by email at [redacted] Sincerely,Karole ***Compliance Auditor
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, Re: United consumer Financial Services Account [redacted] Dear [redacted] : I received your Revdex.com complaint regarding your purchase of a product from an independent merchantThank you for the opportunity to respond to your concernsAccording to our records, a payment of $3,posted to your account on April I I, An electronic funds transfer was in the process of transmission and posted to your account on April 12, These combined payments closed your account as paid in full with a refundA refund of the overpayment on your account will be processed May 5, A refund is generally issued approximately days from the date a payment is posted to an accountThis business practice allows sufficient time for any stopped or reversed payments to be adjusted on the accountI apologize for any inconvenience this may have caused youif 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
Dear Mr [redacted] :Thank you for the follinformation You are correct that my letter to you had at least one error on it The date you signed your retail installment sales contract (the "Agreement") was December 2, 2013, not December 3, as I stated in my previous letter I apologize for the error.The remainder of the information in my previous letter to you is accurate We spoke with you initially to confirm you understand your obligation under the Agreement, that all promises made under the Agreement were fulfilled, and that you were satisfied with the negotiation of the Agreement This is a standard verification we do with each of our consumers.Subsequent communications with you related to delinquent payments on your account with us In your follcommunication, you state that you have proof from the independent merchant who sold you your consumer product that you did not receive all items promised under the Agreement Please submit this information directly to my attention at [redacted] I will review it personally.Again, I appreciate you bringing this to my attention I remain available to assist youBest, Timothy [redacted] Compliance DirectorUnited Consumer Financial Services Company
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)***July 13, MrBoyce [redacted] [redacted] *** Re: United Consumer Financial Services Account # [redacted] Dear Mr [redacted] : We received your complaint filed with the Revdex.comThank you for the opportunity to address your concerns According to our records, you signed a retail installment sales contract (the "Agreement") for the purchase of a consumer product on May 31, We verified the terms with youThe Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transactionWe understand you are alleging you cancelled the AgreementUnder the terms of the Agreement, you had three business days to send in a signed cancellation notice to the address listed in the cancellation notice section of the AgreementAccordingly, you had until midnight of June 3, to send in written notice of your intent to cancel the AgreementWe appreciate that you now regret your purchaseUnfortunately, you must still honor your obligation to us under the AgreementWe encourage you to contact the independent merchant for the issue you are having with the shampooer or any service related problems with the product at: [redacted] 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.netSincerely,Karole *** Compliance Auditor
[redacted] ** to Better Sorry for not responding soonerThe company and I did come up with an agreement to resolve the problemthe company agree to fix what was reported in my credit report and the settlement amount was what they proposedThank you for your help
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***@ucfs.net. Sincerely, Cheryl B***Compliance Department