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(The following was copy/paste by Revdex.com staff - LST)***October 26, MrJames D [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, Karole D*** Compliance Auditor

[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: Thank you for your efforts! I'm a little nervous about accepting their offer due to my lack of trust with the companyIn the letter that they responded to you with, I couldn't help but notice that it stated, "...Mrs [redacted] has no financial obligation to United Consumer Financial Services and we have deleted any reference of this transaction with the consumer reporting agencies..."I found this to seem a little sneaky due to the fact that I ("MRS [redacted] "), have NEVER had any affiliation with the company other than using my POA (that wasn't even asked to be seen, by the way) to complete the sale transactionThe account was in my husband's name ( [redacted] ), & they are aware of thisSince they have sent you this letter however, I will save it to my files for further reference should I need it to file another claim in the futureI am still within possession of the KirbyToday, after calling United Consumer Financial Services (and being hung up on twice), I was finally able to speak with a rep named " [redacted] " [redacted] informed & assured me that the account in my husband's name ( [redacted] /Acct# [redacted] ) was closed with a $balance owed on itI wish I had the letter they promised me with proof of my cancellation, but I guess I'll accept the one they have provided you with, since you are my witnessI'm in the process of arranging a pifor the Kirby later todayThanks again [redacted] , my husband & I appreciate everything 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]

Dear Ms***, I am in receipt of the complaint filed with the Revdex.com (Revdex.com), with regard to attempts made to contact you via personal references supplied on your credit application on file with us.United Consumer Financial Services (UCFS) had made several attempts to contact you by mail regarding your remaining balance of $181.97, but had received no responseThe purpose in contacting the references listed was to obtain a phone number to contact you or request a message to be passed onWe apologize if you feel our efforts were unprofessionalWe have since removed the phone numbers of your references from our system and will not attempt any further phone contact with you or your personal referencesYou noted in your complaint with the Revdex.com that you intend to pay off the remaining balance of $using your income tax refundUCFS will accept partial payments until you have funds available to pay the account in full.I hope I have addressed your concernsIf you are in need of additional assistance you may contact me directly by mail at the above address, telephone at [redacted] or via email [redacted] My office hours are Mon.-Fri8:00am until 4:pm Eastern Standard TimeSincerely, [redacted] ***Account Services Supevisor

(The following was copy/paste by Revdex.com staff - LST)***October 17, MsKim [redacted] P.OBox Stigler, OK Re: United Consumer Financial Services Company (UCFS) Account #Dear MsSpeegle: I received your complaint filed with the Revdex.comThank 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

[redacted] ***,Attached is our response to the complaint filed by [redacted] ).If you have any questions, please contact me at (440) [redacted] .Thanks,***

MsDebra GStutts Seaside Road AptSunset Beach, North Carolina RE: Revdex.com Complaint Number: [redacted] Dear MsS [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 November 9, in order to obtain financing for the purchase of a consumer product from an independent merchantUnder the terms of the Agreement, you are obligated to make monthly payments in the amount of $I understand you attempted to cancel the AgreementUnder the terms of the Agreement, you have three days to send in a signed cancellation notice to the address listed in the cancellation notice section of the AgreementThe manufacturer of your consumer product also makes available to some consumers an additional cancellation provisionUnfortunately, a consumer qualifying for this additional cancelation provision who wishes to take advantage of it must contact the manufacturer’s consumer relationships department within the time provided for in the additional cancellation provisionThe owner’s manual you received with your consumer product specifies this information and provides all necessary instructionsBecause you are beyond the time within which you may have been able to cancel the Agreement, we are unable to honor your request to cancel the AgreementShould you have any questions for us or require additional information, please contact us at 1-800-344- or locally at 440-835-Very Truly Yours, Timothy K [redacted] Director of ComplianceUnited Consumer Financial Services ? 800-338-? Bassett Road ? Westlake, Ohio ? www.ucfs.net Consumer Financing for In-Home and Specialty Products and Services

(The following was copy/paste by Revdex.com staff - LST)***February 28, Ms, Ebony F [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

2/25/[redacted] & [redacted] [redacted] ***Re: Revdex.com complaint ID# [redacted] Dear Mr& Mrs [redacted] , United Consumer Financial Services (UCFS) has received your complaint filed with the Revdex.com ID# [redacted] , stating that UCFS added additional charges to your final paymentAfter careful review of the payment history (see enclosed), it appears that on three occasions 10/13/12, 04/11/and 12/22/14, payments in the amount of $were submitted instead of your contractual payment of $ The difference of those payments ($21.00) plus a late fee ($10.00) totaled $which you submitted as final payment on 02/09/ The final payment was actually due on 12/19/but not received until 02/09/resulting in a day delinquency being reported on your credit file This letter is being sent to advise you that on February 16, UCFS submitted an electronic request for the deletion of the day delinquency being reported on January 31, 2015, although it is an accurate rating Please allow up to days for the credit reporting agencies to update their files I can be reached Monday through Friday from 8:00am to 4:00pm Eastern at 1-800-344-ext [redacted] should you have any questions Sincerely, [redacted] ***Administrative AssistantAccount ServicesCC: Revdex.com – ID# [redacted] UCFS Compliance Department

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [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 Ronda [redacted]

(The following was copy/paste by Revdex.com staff - LST)***MsCharece G*** *** *** *** ***
*** *** ***
November 30, 2017 Re: United Consumer Financial Services Company (UCFS) Account # *** Dear MsG*** I received your Revdex.com complaint
regarding your purchase of a product from an independent merchantThank 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, The Agreement was between you and the independent merchant who sold you the consumer productWe 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 productBy 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 KS*** Director of Compliance

May 29,
*** ***Revdex.com* ***RE: *** *** Account No***Dear *** ***:We have reviewed the account and discussed the situation with the merchant The merchant advised us that the company and *** *** are both in small claims court asserting claims against
each other.We have agreed to *** ***’s request to place her account on hold pending the outcome of her dispute with the merchant and at that time will make a decision on the outcome.We are currently rating her account as “in dispute.”If you need any additional information, please advise.Sincerely,/s/ Eric S** ***Eric S** ***V.PEastern RegionESC:prp

(The following was copy/paste by Revdex.com staff - LST)***November 20, 2017 MsBridget ** *** ** *** ***
*** ** *** Re: United Consumer Financial Services Company (UCFS) Account # *** Dear MsL*** I received your Revdex.com complaint
regarding your purchase of a product from an independent merchantThank 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 November 10, 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 enclosed. Prior to acquiring the Agreement, we verified the terms of the Agreement directly with youOur verification procedures include, if applicable, verifying the existence and the terms of any same-as-cash option provided under the contract the consumer signedAccording to the terms of the Agreement and our verification records, your Agreement did not contain a same-as-cash option ("SAC"). If you have any to support your claim please provide this to us. In your letter you referenced inaccurate credit reporting, having difficulty reaching a customer service representative and not receiving monthly statementsWe have no record of any telephone calls from you. We do not provide monthly statements as we are not required to do soBased on the review of your account, we have determined the credit reporting is accurate. If you have any further questions concerning this matter or need assistance in accessing your account information through our website, please contact a customer service representative using the contact information below. Sincerely, Karole Davis Compliance Auditor Enclosure

Dear *** ***,Attached is our response to the complaint filed by *** *** *** ***.If you have any questions, please contact me at *** ***Thanks,*** ***

UNITED CONSUMER FINANCIAL SERVICES COMPANYJanuary 15, 2015*** *** *** ** *** *** ** ***Revdex.com ID *** - *** ***United Consumer Financial Services Account # ***Dear Ms*** ***,The above complaint was referred to me for resolution. I spoke
with the seller, *** * *** regarding, Mrs***’s complaint with your office.*** * *** has picked up the Kirby vacuumThe account is closed and returned to *** * ***.Mrs*** has no financial obligation to United Consumer Financial Services and we have deleted any reference of this transaction with the consumer reporting agencies.If I can be of any further assistance please call me at 440- 835-6623.Sincerely, *** V.P Central Region

(The following was copy/paste by Revdex.com staff - LST)***March 6, 2018 MsRenee L*** *** *** *** **
*** ** ***
Re: United Consumer Financial Services Company (UCFS) Account # *** Dear MsL*** We received your complaint filed with the RevDex.comThank you for the opportunity to respond to your concerns regarding your purchase of a product from an independent merchant. According to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on October 19, The Agreement was between you and the independent merchant who sold you the consumer productWe purchased the Agreement, thereby financing this transaction. We verified the terms of the Agreement with youDuring verification you made no mention of a problem with the sale or any dispute with the Agreement. Under 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 AgreementYou have not provided sufficient information to support your allegation and you did attempted to cancel the Agreement according to the provisions detailed in the cancellation portion of your contract. We received an electronic message from you on February 15, You requested information regarding your same-as-cash payoffYou did not indicate you had a dispute regarding the sale or the AgreementOn October 18, 2012, you spoke with a customer service representative asking for information needed to access our websiteYou did not discuss having an issue regarding the sale or the Agreement. Based on our investigation of our records, we cannot conclude that you disputed this debt in the pastWe reviewed your account and determined that our credit reporting on your account is accurateIf you have any further questions concerning this matter, please feel free to contact a Customer Service Representative using the information belowSincerely, Karole D*** Compliance Auditor

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

the guy who handled our [redacted] sale no longer works for them but if you call him he will give all the info needed and tell you that I did not get all the items and I was texts messages from 2013 asking where my items where to the seller he will confirm that. Also how is it that UCFS has record of me SUPPOSEDLY saying I was SATISFIED  but does not have record of when I called telling them I didn't receive my items and asking to cancel. Plus I got into with the lady because she was so rude about everything. This isn't fair at all I just want whats fair.

UNITED CONSUMER R C SERVICES COMPANY 2/22/2016 Ms. [redacted]...

[redacted] Re: Revdex.com complaint ID# [redacted] United Consumer Financial Services Account # [redacted] Dear Ms. [redacted] United Consumer Financial Services Company (UCFS) received your Revdex.com Complaint. Thank you for bringing this issue to UCFS's attention so we may properly assist you. UCFS financed the purchase of a consumer product made by you in 2015. On June 23, 2015, you signed a Retail Installment Sales Contract for a purchase of a consumer product, and the terms of the contract were verified with you on the same day. As part of your purchase, you filled out a credit application; that credit application contained reference contact information provided by you. On January 20, 2016, you put a stop payment on the check that was sent to UCFS for your monthly installment payment for that month. In an attempt to reach you regarding your account, UCFS contacted the phone numbers you provided in your credit application. On February 8, 2016 UCFS called your place of employment in attempt to reach you but was unsuccessful. The same day, you called into UCFS and spoke to a customer service representative; you stated you were having financial difficulty and wanted the merchandise picked up or to have the payments lowered. At that time, we advised you that cancelling your contract was not possible. Also during that February 8, 2016 conversation, you expressed concerns about UCFS contacting your employer and stated that you did not provide UCFS with that information. The representative that you spoke with removed your employer's contact information in accordance with your request. We are sympathetic that you are having financial difficulties. Please reach out to us as we are willing to work with you on a payment plan to help you during this difficult time. Please call and speak with one of our customer service representatives at 1-800-338-6507. We are happy to answer any questions or concerns you have. Sincerely, T. S[redacted] Director

UNITED CONSUMER FINANCIAL SERVICES April 19, 2017 [redacted] RE: Revdex.com Complaint Number: [redacted] Dear [redacted]: United Consumer Financial Services (UCFS) received your Revdex.com Complaint. Thank you for bringing...

this issue to our attention so we may properly assist you. According to our records, you signed a retail installment sales contract (the "Agreement") on August 1, 2015 in order to obtain financing for the purchase of a consumer product from an independent merchant. We verified the terms of the Agreement with you. Under the terms of the Agreement, you were to pay 18 monthly payments in the amount of $99.67. You agreed to pay late fee charges of $20 for each payment not received within 10 days from the payment due date. According to our records, you incurred late fees on six separate occasions. Moreover, your payment in July 2016 was returned as non-sufficient funds. Asa result of the late fees incurred on your account and the returned NSF payment, your account held a balance beyond the originally-scheduled 18 payments under your Agreement. Presently, your account has a balance of $18.40. Please contact us directly to arrange for payment of this balance. You can reach us at the information below. Very Truly Yours, Timothy *. S[redacted] Director of Compliance United Consumer Financial Services • 800-338-6507 • 865 Bassett Road • Westlake, Ohio 44145 • www.ucts.net Consumer Financing for In-Home and Specialty Products and Services

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]