SchoolPictures.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.
As I  stated I agreed to $899.00 NOT $959.68? I'm not sure why $60.68 is being added to amount I agreed to.   Also in September 2014 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 2015 that I was told UCFSC can only schedule 6 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 15 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 $505.00 which would mean I have paid you $1209.85.  The issue is being charged the interest when IF in fact I was told back in September 2014 that she would only be able schedule 6 payment I would have started making the payment myself back then. She 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 $1392.36 is the total that would be paid during the agreement(over I think 3 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]

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 2015. 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 [redacted] seller that I didn't get my items/products. why would we pay off something that we don't have? All I want is for your company to stop making false credit remarks on me and to remove it off my credit. Another in your reply your dates and years don't add up. We did not receive the shampooer or sweeper like we were suppose too. The 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 ONE. That'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.

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 does. Yesterday I spoke a James, when the message didn't show.
Regards,
[redacted]

5/21/2016 Ms. [redacted] Re: Revdex.com Complaint ID [redacted]      United Consumer Financial Services Account # [redacted] Dear Mr. [redacted]: United Consumer Financial Services (UCFS) received your Revdex.com...

Complaint. Thank you for bringing this issue to our attention so we may properly assist you. Your account with UCFS is closed and you have no further financial obligation to UCFS. We have removed all credit reporting activity for this account. I do hope this resolves your concerns. If you have any further questions or need assistance, you can contact our Customer Service Department at 1-800-338-6507 or visit our website @ucfs.net. Sincerely, Timothy K. Spencer Compliance Director

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]

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

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

Please see the              865 Bassett Rd.       Westlake OH 44145-1194              440-835-3230                Ucfs.netDecember 3, 2015[redacted]...

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[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 [redacted].Sincerely,Cheryl B[redacted]Compliance Dept. attached letter sent to Ms. Woods in response to her Revdex.com Complaint.  Thank you.

(The following was copy/paste by Revdex.com staff - LST)[redacted]February 28, 2018 Ms, Ebony F[redacted]
[redacted] Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Ms. F[redacted] We received your complaint filed with the Revdex.com. Thank you for...

the opportunity to respond to your concerns. According to our records, we sent you an affidavit of forgery requesting you complete the enclosed forms to investigate your identity theft claim. We have not received a completed affidavit returned to our office. Reviewing the information you have provided in your letters, we have insufficient information for us to conclude that your claims of ID theft are valid. Enclosed is identity theft affidavit of forgery letter with instruction on what is needed to investigate your claim of identity theft. Once we receive the required information, we will investigate your claim and notify you of the result of the investigation. If 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

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

6/30/2015[redacted]Re: Revdex.com complaint ID# [redacted] Dear [redacted],United Consumer Financial Services (UCFS) has received your Revdex.com complaint.As per our conversation on June 16, 2015, I have verified and corrected the...

information that was preventing you from successfully enrolling.  Please allow 48-72 hours for our system to update with the corrected information.As of the date of this letter, records indicate that your account information has been updated with the correct date of birth and you have been able to successfully enroll for online services and schedule your payments.Please accept our sincere apologies for any inconvenience you may have had when attempting to enroll on our website, www.ucfs.net.For assistance with your online enrollment, I can be reached at 1-[redacted], Monday through Friday from 8:00am to 4:00pm eastern standard time.  I will be happy to assist you with your enrollment or to schedule your payment.Sincerely,Mary Anne M[redacted]Mary Anne M[redacted]Unit LeaderAccount Services Department CC: Revdex.com – ID# [redacted] UCFS Compliance Department

[redacted],Attached is our response to the complaint filed by [redacted]).If you have any questions, please contact me at (440) [redacted].Thanks,[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, 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. 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 2014 but were unable to make contact with you. According to our records, your account charged off due to non-payment. Please contact us 1-800-344-5000 if you have any further questions or concerns. Very Truly Yours, Timothy [redacted] Director of Compliance

UNITEDCONSUMERFINANCIALSERVICES865 Bassett RoadWestlake, Ohio 44145(440) 835-3230wvvw.ucfs.net Date: February 24, 2015 [redacted] RE: Account Number [redacted]Revdex.com file [redacted]Dear [redacted],I am in receipt of your correspondence to...

the Revdex.com on February 12, 2015 concerning telephone calls made to you by United Consumer Financial Sen/ices (UCFS). l apologize if you felt that our attempts to reach you were excessive and your husband felt our representative was unclear in identifying our company and the nature of the call. Per your request, your telephone numbers have been removed from our dialing fields and your account is flagged to receive mail only in the future. Your account with UCFS is current and next due for the March 12, 2015.Payments may be remitted by mail to our payment processor, telephoning UCFS at 1-800-338-6507 to make a onetime automatic clearing house (ACH) payment using a checking or savings account, on the internet at vwwv.ucfs.net or through Western Union.Should you need further assistance you can contact me directly at 1-440-835-6636, Monday through Friday 8:30 am to 4:00 pm EST, in writing at the address above or by secured message on our website at vvwvv.ucfs.net.Sincerely,[redacted] Supervisor of Account Sen/icesCC: Revdex.com

Please see the attached responsive letter, which will be sent to Ms. P[redacted] via email shortly.

UNITED CONSUMER FINANCIAL SERVICES COMPANY 2/10/2016 Mr. [redacted] Re: Revdex.com complaint No. [redacted] ([redacted]) Dear Mr. [redacted]: United Consumer Financial Services (UCFS) has received your Revdex.com...

complaint. Thank you for bringing this issue to United Consumer Financial Services Company's (UCFS) attention so that we may properly assist you. The following is a summary of the activity on your account with UCFS. On August 12, 2015, you signed a Retail Installment Sales Contract (the "Agreement") for the purchase of a consumer product. UCFS financed that purchase, and on August 12, 2015, we verified the terms of the agreement with you. Under the terms of your Agreement, you agreed to an amount financed of $2,100.00. In your Better Business Complaint, you indicate you want UCFS to discontinue calling you. A UCFS representative will attempt to reach you in regard to this Complaint. With 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 only. You are still welcome to call UCFS whenever you please. UCFS will bring your account current if you continue making payments on your account. Additionally, once payments resume on your account, UCFS will remove any negative reporting on your account by UCFS. If you have any further questions or concerns or need assistance, you can contact our Customer Service Department at 1-800-338-6507 or visit our website at ucfs.net. Sincerely, Cheryl B[redacted] Compliance Department

UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/2016 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 complaint. Thank you for bringing this issue to United Consumer Financial Services Company's (UCFS) attention so we may properly assist you. We do apologize that you are having difficulties reaching us. We are experiencing an unusually high volume of calls in light of a busy season for us. Our office is open until midnight, Eastern Standard Time. Typically, if you call our office after 8:00 p.m. (EST), the wait time to speak with a customer service representative is shorter. UCFS received a voicemail from you on February 12, 2016 at 9:30 a.m.; by 11:15 a.m., a customer service representative called you back. At that time, you told our representative that you wanted another payment book because you were unable to locate the one you had. You were informed that it does take up to four weeks for the new payment book to be received by you. You also informed the representative that you cannot get access our website because of an incorrect password; the representative reset your password at that time. Please be aware that usernames and passwords on our website are case-sensitive. A payment book was requested for you on February 12, 2016; you should have received the payment book in the mail by now. This is an alternative method you can use to pay your account with us. We are currently reworking our website and anticipate the website project to be completed within the next six months. This 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 accounts. We are sorry for any inconvenience this may have caused you. Should you need further assistance, please contact me directly at 1-800-344-5000, extension 6115. Sincerely, Cheryl B[redacted] Compliance Department

(The following was copy/paste by Revdex.com staff - [redacted]September 28, 2017 Ms. [redacted]
[redacted]
[redacted] RE: Revdex.com Complaint ID [redacted] ([redacted]) Dear Ms. [redacted]: United Consumer Financial Services Company (UCFS) received your Better...

Business Bureau Complaint. Thank you for bringing your concerns to our attention so we may assist in addressing them. We 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 made. You will receive a refund of $70.73, which we will process today; you should expect to receive this refund check in the next 15-20 business days. We are removing any negative credit reporting we did on your account due to our error. On behalf of our company, I apologize for the error and the inconvenience this caused you. Please know that we have addressed this matter internally and believe you will not be subject to additional inconvenience because of it. Please contact us directly at [redacted] or locally at [redacted] if you have any additional questions or concerns. Very Truly Yours, Timothy K. [redacted]Director of Compliance

UNITED CONSUMER FINANCIAL SERVICES3/23/2016 Mr. [redacted] Re: Revdex.com complaint ID# [redacted] United Consumer Financial Services Account # [redacted] Dear Mr. [redacted] United Consumer Financial Services (UCFS) received your Revdex.com...

Complaint. Thank you for bringing this issue to our attention so we may properly assist you. We do apologize that you are having difficulty reaching us. We are experiencing an unusually high volume of calls in light of a busy season for us. Our office is open until midnight, Eastern Standard Time. Typically, if you call our office after 8:00 p.m. (EST), the wait time to speak with a customer service representative is shorter. UCFS sent you an acknowledgment letter in January that provided you with all the necessary information pertaining to UCFS contact information along with your account number. According to our records, you called into UCFS on February 29, 2016 and spoke with a UCFS representative, asking that your account information be emailed to you. On March 1, 2016, you filed a Revdex.com complaint. When we spoke with you on March 4, 2016, you went to our website and paid off your account. A payment book was requested for you in February 2016 please disregard the payment book as your account is now closed with a zero balance. You owe no further obligation with UCFS. We are sorry for any inconvenience this may have caused you. Should you need further assistance, please contact us at 1-800-344-5000. Sincerely, Cheryl B[redacted] Compliance Department

(The following was copy/paste by Revdex.com staff - LST)[redacted]October 26, 2017 Mr. James D[redacted] [redacted] 
[redacted] Re: United Consumer Financial Services Company (UCFS) Account # [redacted] Dear Mr. D[redacted] We received your complaint filed with the...

Revdex.com. Thank you for the opportunity to respond to your concerns. We believe the overdraft fees you incurred were a result of an oversight by our customer service department. We are addressing this oversight with the employees involved in servicing your account. We sincerely apologize to you for the overdraft fees and the handling of your account. We are in the process of issuing you a refund of $50.00 for the electronic funds transfer dated August 31, 2017. The refund is being sent in a separate mailing. If 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 further. Should you have any questions or require additional information, please reach out to me by telephone [redacted] extension 5015 or by email at [redacted] Sincerely, Karole D[redacted] Compliance Auditor

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]