Date Sent: 2/24/5:19: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] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com: 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]
BAssett roadwestlake, ohio 44145800-344-5000www.ucfs.net 9/8/ [redacted] Re: Revdex.com complaint ID# [redacted] Dear [redacted] , United Consumer Financial Services (UCFS) has received your Revdex.com complaintAs per your letter, we will honor your request to cease all telephone communication with youWe apologize for any inconvenience this may have caused you All future correspondence will be sent to you via mailTo date, UCFS has received out of payments owed under your agreement with UCFS Your account is now days past due for the amount of $149.34, with unpaid late fees of $for a total now due of $Should you like to discuss your account, you can contact us at 1- [redacted] , or you can visit our website at www.ucfs.netI hope this resolves your concerns Please feel free to reach out to UCFS again in the future should you have any concernsSincerely, Cheryl B***Compliance Department CC: Revdex.com
[redacted] *to yourRevdex.com Do to the holiday I have not being able to contact the company to finalize the settlementI agree with the settlement price but I really want them to take back what it was reported in my credit report I will be calling the company tomorrow morning and see if we could come up with a final agreementThank you very much for your intervention
(The following was copy/paste by Revdex.com staff - LST)***February 28, [redacted] *** Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear MsF [redacted] We received your complaint filed with the Revdex.comThank you for the opportunity to respond to your concernsAccording to our records, we sent you an affidavit of forgery requesting you complete the enclosed forms to investigate your identity theft claimWe have not received a completed affidavit returned to our officeReviewing the information you have provided in your letters, we have insufficient information for us to conclude that your claims of ID theft are validEnclosed is identity theft affidavit of forgery letter with instruction on what is needed to investigate your claim of identity theftOnce we receive the required information, we will investigate your claim and notify you of the result of the investigationIf you have any further questions concerning this matter, please feel free to contact me directly by email at [redacted] Sincerely, Karole D [redacted] Compliance Auditor
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
UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/Ms [redacted] Re: Revdex.com complaint United Consumer Financial Services # [redacted] Dear Ms***: United Consumer Financial Services (UCFS) has received your RevDex.com ComplaintThank you for brining this issue to UCFS's attention so we may properly assist youWe will honor your request to cease all telephone communications with youWe apologize for any inconvenience this may have caused youAll future correspondence will be sent to you via mailOur communications to you were for the purpose of discussing your account with usOn October 31, 2015, you signed a retail installment sales contract for the purchase of a consumer good (the "Agreement")You had until November 4, to cancel this AgreementWe contacted you on November 19, to verify terms of your Agreement; during that conversation, you did not express any desire to cancel the AgreementWe are certainly sympathetic to the financial difficulties you are havingWe are willing to work with you to find a temporary repayment plan that helps ease this burdenPlease contact our office at 1-800-338-to discuss your payment plan options with usShould you need service for your product, please contact the seller at 575- 680-or Corporate Headquarters at 248-643-Please feel free to reach out to UCFS again in the future should you have any concernsSincerely, Cheryl B [redacted] Compliance Department CC: Revdex.com
(The following was copy/paste by BBB staff - LST)***Ms. [redacted] November 30, 2017 Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Ms. G [redacted] I received your RevDex.com complaint... regarding your purchase of a product from an independent merchant. Thank you for the opportunity to respond to your concerns. According to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on June 25, 2016. The Agreement was between you and the independent merchant who sold you the consumer product. We purchased the Agreement, thereby financing this transaction. The purchase price of the consumer product you purchased was a negotiated transaction between you and the independent merchant from whom you purchased the consumer product. By signing the Agreement, you agreed to the purchase price in exchange for the unit demonstrated in the sales presentation. While I understand your position, your signature on the Agreement represents your assent to its terms. Please contact our office at the information below if you have any questions regarding your account. Timothy K. S [redacted] Director of Compliance
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 belowThe seller stated that he needed my name because I was the homeowner and not [redacted] I told him when he first came that I didn't want my name on anything because I had just purchased that houseThey came in on pretenses and this finance company holds all contracts and knows that not everyone pays the same price or they wouldn't have complaintsI do not wish for this company to send any correspondences again to my new address because I didnt ask them to contact me at allThey should not condone sellers lying to people just to get a contract as well how they jack up the price for some people! Regards, [redacted]
September 20, 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 youIn your Complaint, you state you mailed your cancellation notice with a tracking number for the consumer product you purchased on August 13, We ask that you provide us with the address to which you mailed the cancellation notice and a copy of the tracking number so we can properly investigate your cancellation claimIf you have any further questions, or need assistance, you can contact me at 1-800-344-5000, extension 6115, or you can reach me via email at cb***@ucfs.netSincerely, Cheryl B [redacted] Compliance Department
UNITED CONSUMER FINANCIAL6/10/Ms [redacted] Re: Revdex.com Complaint ID [redacted] United Consumer Financial Services Account (UCFS) # [redacted] Dear Ms [redacted] , We received your Revdex.com complaintThank you for bringing this issue to our attention so we may properly assist youWe do apologize for any confusion: we were not aware that you had cancelled the agreement with the merchant who sold you your consumer productIt was only after you spoke with a UCFS representative on May 18, that we became aware of your cancellationPlease note, though, that no refund is due to you because you revoked the lone payment on your accountYour banking institution notified UCFS of the revocationYour account with UCFS is closed with zero balance, and you have no further financial obligation to the either UCFS or the merchant who sold you your consumer productWe have deleted any credit reporting on this accountI do hope this resolves your concernsIf you have any further questions, or need assistance, you can contact our Customer Service Department at 1-800-338-Sincerely, Cheryl B [redacted] Compliance Department
(The following was copy/paste by Revdex.com staff - ***)***September 28, Ms [redacted] [redacted] *** Re: United Consumer Financial Services Account # [redacted] Dear Ms [redacted] : We received your complaint filed with the Revdex.com indicating you wish to return the productThank you for the opportunity to respond to your concernAccording to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on June 14, We verified the terms of the Agreement with you on June 15, The 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 enclosedUnder the terms of the Agreement, you had three business days to send in written notice of your intent to cancel the Agreement to the address listed in the cancellation notice section of the AgreementAccordingly, you had until midnight of June 17, to send in written notice of your intent to cancel the AgreementUCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has pastIf you have any further questions concerning this matter, please feel free to contact a customer service representative at [redacted] , or by email at [redacted] Sincerely, Karole D [redacted] Compliance Auditor Enclosure
[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 chargesOtherwise, 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 amountI just considered this a play on words and have accepted the situation......too much drama and game
5/21/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 ComplaintThank you for bringing this issue to our attention so we may properly assist youYour account with UCFS is closed and you have no further financial obligation to UCFSWe have removed all credit reporting activity for this accountI do hope this resolves your concernsIf you have any further questions or need assistance, you can contact our Customer Service Department at 1-800-338-or visit our website @ucfs.netSincerely, Timothy KSpencer Compliance Director
Dear [redacted] :Thank you for providing additional information in your follresponse to my reply to your Revdex.com Complaint.In accordance with the terms of the Agreement you signed, we assessed a late fee to your account only in the months where your monthly payment due was not received within days after your payment due date, which was the first of each month Any payment that was made a day or days prior to the scheduled due date would not trigger a late fee payment.With that said, as a courtesy to you and a show of good-faith to resolve this, we are willing to waive the remaining balance on your account--currently $18.40.Please reply to this message and confirm that our waiving this balance of $will resolve your Complaint to your satisfaction.I await your response Respectfully, Timothy *S [redacted] Compliance DirectorUnited Consumer Financial Services Company
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-upWe remain available to assistThank you, Timothy KS [redacted] Director of ComplianceUnited Consumer Financial Services Company
Date Sent: 2/24/5:19: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] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com: 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]
BAssett roadwestlake, ohio 44145800-344-5000www.ucfs.net 9/8/ [redacted] Re: Revdex.com complaint ID# [redacted] Dear [redacted] , United Consumer Financial Services (UCFS) has received your Revdex.com complaintAs per your letter, we will honor your request to cease all telephone communication with youWe apologize for any inconvenience this may have caused you All future correspondence will be sent to you via mailTo date, UCFS has received out of payments owed under your agreement with UCFS Your account is now days past due for the amount of $149.34, with unpaid late fees of $for a total now due of $Should you like to discuss your account, you can contact us at 1- [redacted] , or you can visit our website at www.ucfs.netI hope this resolves your concerns Please feel free to reach out to UCFS again in the future should you have any concernsSincerely, Cheryl B***Compliance Department CC: Revdex.com
[redacted] *to yourRevdex.com Do to the holiday I have not being able to contact the company to finalize the settlementI agree with the settlement price but I really want them to take back what it was reported in my credit report I will be calling the company tomorrow morning and see if we could come up with a final agreementThank you very much for your intervention
(The following was copy/paste by Revdex.com staff - LST)***February 28, [redacted] *** Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear MsF [redacted] We received your complaint filed with the Revdex.comThank you for the opportunity to respond to your concernsAccording to our records, we sent you an affidavit of forgery requesting you complete the enclosed forms to investigate your identity theft claimWe have not received a completed affidavit returned to our officeReviewing the information you have provided in your letters, we have insufficient information for us to conclude that your claims of ID theft are validEnclosed is identity theft affidavit of forgery letter with instruction on what is needed to investigate your claim of identity theftOnce we receive the required information, we will investigate your claim and notify you of the result of the investigationIf you have any further questions concerning this matter, please feel free to contact me directly by email at [redacted] Sincerely, Karole D [redacted] Compliance Auditor
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
UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/Ms [redacted] Re: Revdex.com complaint United Consumer Financial Services # [redacted] Dear Ms***: United Consumer Financial Services (UCFS) has received your RevDex.com ComplaintThank you for brining this issue to UCFS's attention so we may properly assist youWe will honor your request to cease all telephone communications with youWe apologize for any inconvenience this may have caused youAll future correspondence will be sent to you via mailOur communications to you were for the purpose of discussing your account with usOn October 31, 2015, you signed a retail installment sales contract for the purchase of a consumer good (the "Agreement")You had until November 4, to cancel this AgreementWe contacted you on November 19, to verify terms of your Agreement; during that conversation, you did not express any desire to cancel the AgreementWe are certainly sympathetic to the financial difficulties you are havingWe are willing to work with you to find a temporary repayment plan that helps ease this burdenPlease contact our office at 1-800-338-to discuss your payment plan options with usShould you need service for your product, please contact the seller at 575- 680-or Corporate Headquarters at 248-643-Please feel free to reach out to UCFS again in the future should you have any concernsSincerely, Cheryl B [redacted] Compliance Department CC: Revdex.com
(The following was copy/paste by BBB staff - LST)***Ms. [redacted] November 30, 2017 Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Ms. G [redacted] I received your RevDex.com complaint... regarding your purchase of a product from an independent merchant. Thank you for the opportunity to respond to your concerns. According to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on June 25, 2016. The Agreement was between you and the independent merchant who sold you the consumer product. We purchased the Agreement, thereby financing this transaction. The purchase price of the consumer product you purchased was a negotiated transaction between you and the independent merchant from whom you purchased the consumer product. By signing the Agreement, you agreed to the purchase price in exchange for the unit demonstrated in the sales presentation. While I understand your position, your signature on the Agreement represents your assent to its terms. Please contact our office at the information below if you have any questions regarding your account. Timothy K. S [redacted] Director of Compliance
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 belowThe seller stated that he needed my name because I was the homeowner and not [redacted] I told him when he first came that I didn't want my name on anything because I had just purchased that houseThey came in on pretenses and this finance company holds all contracts and knows that not everyone pays the same price or they wouldn't have complaintsI do not wish for this company to send any correspondences again to my new address because I didnt ask them to contact me at allThey should not condone sellers lying to people just to get a contract as well how they jack up the price for some people! Regards, [redacted]
September 20, 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 youIn your Complaint, you state you mailed your cancellation notice with a tracking number for the consumer product you purchased on August 13, We ask that you provide us with the address to which you mailed the cancellation notice and a copy of the tracking number so we can properly investigate your cancellation claimIf you have any further questions, or need assistance, you can contact me at 1-800-344-5000, extension 6115, or you can reach me via email at cb***@ucfs.netSincerely, Cheryl B [redacted] Compliance Department
UNITED CONSUMER FINANCIAL6/10/Ms [redacted] Re: Revdex.com Complaint ID [redacted] United Consumer Financial Services Account (UCFS) # [redacted] Dear Ms [redacted] , We received your Revdex.com complaintThank you for bringing this issue to our attention so we may properly assist youWe do apologize for any confusion: we were not aware that you had cancelled the agreement with the merchant who sold you your consumer productIt was only after you spoke with a UCFS representative on May 18, that we became aware of your cancellationPlease note, though, that no refund is due to you because you revoked the lone payment on your accountYour banking institution notified UCFS of the revocationYour account with UCFS is closed with zero balance, and you have no further financial obligation to the either UCFS or the merchant who sold you your consumer productWe have deleted any credit reporting on this accountI do hope this resolves your concernsIf you have any further questions, or need assistance, you can contact our Customer Service Department at 1-800-338-Sincerely, Cheryl B [redacted] Compliance Department
(The following was copy/paste by Revdex.com staff - ***)***September 28, Ms [redacted] [redacted] *** Re: United Consumer Financial Services Account # [redacted] Dear Ms [redacted] : We received your complaint filed with the Revdex.com indicating you wish to return the productThank you for the opportunity to respond to your concernAccording to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on June 14, We verified the terms of the Agreement with you on June 15, The 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 enclosedUnder the terms of the Agreement, you had three business days to send in written notice of your intent to cancel the Agreement to the address listed in the cancellation notice section of the AgreementAccordingly, you had until midnight of June 17, to send in written notice of your intent to cancel the AgreementUCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has pastIf you have any further questions concerning this matter, please feel free to contact a customer service representative at [redacted] , or by email at [redacted] Sincerely, Karole D [redacted] Compliance Auditor Enclosure
[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 chargesOtherwise, 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 amountI just considered this a play on words and have accepted the situation......too much drama and game
5/21/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 ComplaintThank you for bringing this issue to our attention so we may properly assist youYour account with UCFS is closed and you have no further financial obligation to UCFSWe have removed all credit reporting activity for this accountI do hope this resolves your concernsIf you have any further questions or need assistance, you can contact our Customer Service Department at 1-800-338-or visit our website @ucfs.netSincerely, Timothy KSpencer Compliance Director
Dear [redacted] :Thank you for providing additional information in your follresponse to my reply to your Revdex.com Complaint.In accordance with the terms of the Agreement you signed, we assessed a late fee to your account only in the months where your monthly payment due was not received within days after your payment due date, which was the first of each month Any payment that was made a day or days prior to the scheduled due date would not trigger a late fee payment.With that said, as a courtesy to you and a show of good-faith to resolve this, we are willing to waive the remaining balance on your account--currently $18.40.Please reply to this message and confirm that our waiving this balance of $will resolve your Complaint to your satisfaction.I await your response Respectfully, Timothy *S [redacted] Compliance DirectorUnited Consumer Financial Services Company
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-upWe remain available to assistThank you, Timothy KS [redacted] Director of ComplianceUnited Consumer Financial Services Company