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. The 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 house. They came in on false pretenses and this finance company holds all contracts and knows that not everyone pays the same price or they wouldn't have complaints. I do not wish for this company to send any correspondences again to my new address because I didnt ask them to contact me at all. They 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]

[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.
ok so you claim you spoke with me several times to confirm that I was satisfied? Do you have records proofing that I said that? because that's not true. I don't know why we would have spoke several times to confirm that. That was the whole reason of not paying on it. When I spoke with with your company they told me I would have to pay extra to get the items I didn't get in the first place. I have the name of the sales person and texts messages stating the dates too.  Plus the amount being reported on my credit file is different then the agreement. I will sent you a copy of the what I have but if nothing gets resolved after that I will be contacting The Attorney General. This truly isn't fair considering I contacted your company right away to inform them I didn't receive my items and now that's getting covered up as if I never said anything! Again I will send what I have to show you I guess but your company knows.. I'm not the first person this happened to by your company.

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]

865 BAssett roadwestlake, ohio 44145800-344-5000www.ucfs.net ...

                                        ...⇄ 9/8/2015 [redacted] Re:   Revdex.com complaint ID# [redacted] Dear [redacted], United Consumer Financial Services (UCFS) has received your Revdex.com complaint. As per your letter, we will honor your request to cease all telephone communication with you. We apologize for any inconvenience this may have caused you.  All future correspondence will be sent to you via mail. To date, UCFS has received 19 out of 36 payments owed under your agreement with UCFS.  Your account is now 41 days past due for the amount of $149.34, with unpaid late fees of $3.73 for a total now due of $153.07. Should you like to discuss your account, you can contact us at 1-[redacted], or you can visit our website at www.ucfs.net. I hope this resolves your concerns.  Please feel free to reach out to UCFS again in the future should you have any concerns. Sincerely, Cheryl B[redacted]Compliance Department CC:   Revdex.com

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-up. We remain available to assist. Thank you,  Timothy K. S[redacted]Director of ComplianceUnited Consumer Financial Services Company

May 2, 2017 Re: United consumer Financial Services Account [redacted] Dear [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,...

a payment of $3,265.00 posted to your account on April I I, 2017. An electronic funds transfer was in the process of transmission and posted to your account on April 12, 2017. These combined payments closed your account as paid in full with a refund. A refund of the overpayment on your account will be processed May 5, 2017. A refund is generally issued approximately 30 days from the date a payment is posted to an account. This normal business practice allows sufficient time for any stopped or reversed payments to be adjusted on the account. I apologize for any inconvenience this may have caused you. if 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

September 9, 2016 Ms[redacted] 3002 Paint Rock Killeen TX 76549 RE: United Consumer Financial Services (UCFS) # [redacted]       Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: We received your Revdex.com follow-up message to our response to your Complaint regarding the unpaid balance for your account with us. Enclosed 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, 2016 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]. Sincerely, Cheryl B[redacted] Compliance Department Enclosure

10/22/15. I just spoke with Mr. S[redacted] with UCFS.  He instructed me to look up precomputed agreement.  I did.. it states under department of Finance and Economics Compound interest may be computed in different ways. If 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 10/15/15 tt Dawn and got the final pay off and was told $101.61 needs to be paid by 11/14/15. NOW look a the letter dated 10/9/2015  it states $125.63? - I sent $101.61 today(also verified with MR. S[redacted]) which would mean that I have paid the account off 1yr and 1 month early.  However the total amount I have paid with the precomputed interest is $1311.46 a difference of $29.90 saving for paying account off 1 yr early.  I just don't feel that it is right when the balance I had left after the $518.55 payment was $400.00. from march 2014 to September 2014 $73.40 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]

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[redacted]@ucfs.net. Sincerely, Cheryl B[redacted]Compliance Department

Dear [redacted]:Thank you for providing additional information in your follow-up response 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 10 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 $18.40 will resolve your Complaint to your satisfaction.I await your response.  Respectfully, Timothy *. S[redacted]Compliance DirectorUnited Consumer Financial Services Company

[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] [redacted]

Please see the attached response.

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]

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 print. The financed product is of low quality and very difficult to use, putting a lot of strain on my neck and back. I definitely do not want to pay over $2000 for something I will be unable to use. I respectfully request again that the finance contract and the sales contract be cancelled. I need [redacted] to remove the product from my household and the unpaid balance removed from my credit report.
Regards,
[redacted]

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. [redacted]:I received your follow-up communication regarding the Complaint you submitted to the Revdex.com.  My response here will reply specifically and exclusively to your follow-up message as I believe we have addressed your other concerns.After reviewing your account, it appears that on at least two occasions you called in to our Account Services Department and attempted to make a payment using another person's debit card.  Our representatives informed you on both occasions that we need the cardholder's authorization in order to process the transaction.  We cannot process a transaction on or against someone's debit card without their authorization.If in the future you intend to make a payment using someone else's debit card, please make sure they are available so our representatives may speak with them and obtain the necessary authorizations before proceeding with processing the transaction.Thank you for your time and understanding. Sincerely, Timothy K. [redacted]Compliance DirectorUnited Consumer Financial Services Company

Please see the attached Complaint Response, sent to [redacted] January 7, 2016.  Thank you.

(The following was copy/paste by Revdex.com staff - [redacted]September 28, 2017 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 product. Thank you for the opportunity to respond to your concern. According to our records, you signed a retail installment sales contract (the "Agreement) for the purchase of the consumer product on June 14, 2017. We verified the terms of the Agreement with you on June 15, 2017. The Agreement was between you and the independent merchant who sold you the consumer product. We purchased the Agreement, thereby financing this transaction. A copy of the Agreement is enclosed. Under 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 Agreement. Accordingly, you had until midnight of June 17, 2017 to send in written notice of your intent to cancel the Agreement. UCFS is unable to accept your request to cancel your Agreement at this time because your cancellation period has past. If 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

865 Bassett RoadWestlake, OH  44145(440) 835-3230January 20, 2014  [redacted]                                                        ...

                          [redacted]. [redacted]Re: Account Number [redacted]Dear [redacted] & [redacted], Your complaint concerning your Water treatment system has been forwarded to me to handle.For assistance please contact:[redacted]SR Regional Account ManagerWater Group Inc.713-816-7984 I have enclosed a payment history of your account to assure you there were no late fees charged.Please contact me if you have any difficulties in contacting [redacted] or have any questions regarding your account.Sincerely,[redacted]Finance Manager(440)835-6643CC: Revdex.com file # [redacted]  PMTINQ     U.C.F.S.        ACCOUNT HISTORY DISPLAY         1/20/15                                                Sales Finance Con/Independent Water   Account Nbr: [redacted] A Name: [redacted] T      Status: ACTIVE                                                                                           Effectiv  Posted       Check    Intrst  Appld -Transaction-             P  T      Date     Date       Amount    Amount  Ltfee CD     Amount    Balance  T  T     3/13/14  3/13/14                             NA    7990.00              7990.00  G        6/05/14  6/05/14     200.00    358.38        80                     7990.00  F        7/02/14  7/02/14     200.00    106.33        80                     7990.00  F        8/01/14  8/01/14     200.00    118.15        80      17.14     7972.86  F        8/29/14  8/29/14     200.00    110.04        80      89.96     7882.90  F        9/26/14  9/26/14     200.00    108.79        80      91.21      7791.69  F       10/22/14 10/22/14     200.00     99.85        80     100.15    7691.54  F       10/31/14 10/31/14     200.00     34.12        80     165.88    7525.66  F       11/26/14 11/26/14     200.00     96.44        80     103.56    7422.10  F       12/24/14 12/24/14     200.00    102.43        80      97.57    7324.53  F

Dear Mr. [redacted]:Thank you for the follow-up information.  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, 2015 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 follow-up communication, 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 you. Best,  Timothy [redacted]Compliance DirectorUnited Consumer Financial Services Company