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[redacted]
[redacted] to Better Sorry for not responding sooner. The company and I did come up with an agreement to resolve the problem. the company agree to fix what was reported in my credit report and the settlement amount was what they proposed. Thank you for your help.

Revdex.com: I Kim S[redacted] contactedcthe seller of the vacume several times to settle the problem in the beginning months and they would nit even return my phone calls it was only when I finally received a call from the finance company that they wanted to do something after I had made payments. I am done paying for a used vacume I have nevere used and not going to now after monthes of no contact just saying ok, I was promised a new vacume the next day, months later they say ok now you can have one, I want this one gone, my money back, and nothing bad on my credit, to me this is terrible business practice. Kim S[redacted]
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.]
Regards,
Kim S[redacted]
They were to give me a new vacume the next day, nevere returned my calles for several months, until the finance company finally called me, I want them to take the used vacume that is their show model they left, refund my money, and not have it reflect on my credit. That is no way to run a business, were you charge a person for months for a used product, will not return calls for months, and then try to finally make it ok when the Revdex.com is contacted, and the vacume company never did contact me just the finance company and that was two months after I caled them. Kim S[redacted]

[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 company. In 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 transaction. The account was in my husband's name ([redacted]), & they are aware of this. Since 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 future. I am still within possession of the Kirby. Today, 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 $0.00 balance owed on it. I 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 witness. I'm in the process of arranging a pick-up for the Kirby later today. Thanks 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]

1/26/2016 [redacted]C/O [redacted] Re: Revdex.com complaint ID# [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. This letter is to confirm our conversation and email that was sent to you on [redacted]'s account with UCFS. UCFS has agreed to advance the first payment due date on the account to February 17, 2016. As a result, a new coupon book will be mailed to the address we have on file for Mr. [redacted]. If you do not receive the coupon book in time to make the first payment, please mail the payment of $185.33 to our home office below: United Consumer Financial Services Co. 865 Bassett Rd Westlake OH 44145 When sending in payment, please note the account number on the payment document. To confirm: consumers can only access UCFS's website using internet explorer. We are currently upgrading our website and anticipate it being completed by the end of March 2016, at which time it will be compatible with other web browsers. If you have any further questions or concerns, you can contact me at my direct line at 440-835-3230, extension 6115, Monday through Friday, 8:30 a.m. to 5:00 p.m. EST; by email at cb[redacted]@ucfs.net; or in writing at the above address. Sincerely, Cheryl B[redacted] Compliance Department C: Revdex.com file # 11083080

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 1700.00 total and 24 payments of 90.36 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]

UNITED CONSUMER FINANCIAL SERVICES COMPANY 3/4/2016 Ms. [redacted] Re: Revdex.com complaint       United Consumer Financial Services # [redacted] Dear Ms. [redacted]: United Consumer Financial Services (UCFS) has received your Better...

Business Bureau Complaint. Thank you for brining this issue to UCFS's attention so we may properly assist you. We will honor your request to cease all telephone communications with you. We apologize for any inconvenience this may have caused you. All future correspondence will be sent to you via mail. Our communications to you were for the purpose of discussing your account with us. On October 31, 2015, you signed a retail installment sales contract for the purchase of a consumer good (the "Agreement"). You had until November 4, 2015 to cancel this Agreement. We contacted you on November 19, 2015 to verify terms of your Agreement; during that conversation, you did not express any desire to cancel the Agreement. We are certainly sympathetic to the financial difficulties you are having. We are willing to work with you to find a temporary repayment plan that helps ease this burden. Please contact our office at 1-800-338-6507 to discuss your payment plan options with us. Should you need service for your product, please contact the seller at 575- 680-4691 or Corporate Headquarters at 248-643-7222. 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

865 Bassett Rd Westlake OH 44145 440-835-3230 October 3, 2016 Ms. [redacted] RE: United Consumer Financial Services (UCFS) # [redacted]      Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: We received your Better...

Business Bureau Complaint. Thank you for bringing this issue to our attention so we may properly assist you. According to our records, you submitted payment to us through your financial institution's online bill pay feature. Please 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 mail. The delay in transit caused us to receive your payments after their due date. That said, we received your payoff on October 10, 2016. Your account is closed and paid in full. I do apologize for any inconvenience this may have caused you. If you have any further questions please contact me at1-800-344-5000, extension 6115, or you can reach me via email at [email protected]. Sincerely, Cheryl B[redacted] 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.
Here is a copy of the emailed cancellation notice I sent to them.  I also have copies of the signed contract where I mailed them back to the company. 
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]

[redacted]April 4, 2017Ms. Angela [redacted]
[redacted]
[redacted]RE: Revdex.com Complaint Number: [redacted]Dear Ms. [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 9, 2016 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.After reviewing your Complaint, I determined that the issue you explained in your Complaint was the result of a procedural error on our end. We failed to properly apply the payment you attempted to make to your account.Please accept my sincerely apologies for our error. We are conducting a thorough investigation to discover cause of it and will make sure we provide additional training to help us avoid this type of mistake in the future.We are taking the following steps to correct your account: (1) we are removing any late fees assessed to your account; (2) we will correct our credit reporting on your account; and (3) we will make all corrections to your account to ensure you are not negatively impacted by our error.I hope this resolved your concerns to your satisfaction. You may reach out to me directly by email at [redacted] or by phone at [redacted].Very Truly Yours,Timothy K. [redacted]Director of Compliance

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 1700.00 total and 24 payments of 90.36 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]

September 20, 2016 Ms. [redacted] RE: United Consumer Financial Services (UCFS) # [redacted] Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: We received your Revdex.com Complaint. Thank you for bringing this issue...

to our attention so we may properly assist you. In your Complaint, you state you mailed your cancellation notice with a tracking number for the consumer product you purchased on August 13, 2016. 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 claim. 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 cb[redacted]@ucfs.net. Sincerely, Cheryl B[redacted] 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.
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 rebuttal. Not 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 presentation. This is False! When I entered the home the presentation was half way over. My wife was pressured to purchase and we refuse to be taken advantage of. Hopefully this proves we did have doubts and express concerns. We also spoke but there is no way to prove that. Our complaint is NOT unfounded and fabricated. Lastly I can see they took their time to respond to my complaint. In fact it took the full 30 day window to respond to my complaint and make their case and rebut everyone of my truthful accusations. I hope that you handle my concerns appropriately. I feel we can come to an agreement and resolve this where all parties are in agreement. Whereas it is right now, it's pretty one sided where I've been falsified in the eyes of the Revdex.com and the Finance Co. If there is any further information required please feel free to contact me. Through out this process all calls have stopped from the Finance Co and I haven't heard from the local distributor. This tells me they don't want to open the lines of communication and resolve this complaint amicably. The 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 machine. As 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 address. Have a good day.

UNITED CONSUMER FINANCIAL6/10/2016 Ms. [redacted] Re: Revdex.com Complaint ID [redacted]       United Consumer Financial Services Account (UCFS) # [redacted] Dear Ms. [redacted], We received your Revdex.com complaint. Thank...

you for bringing this issue to our attention so we may properly assist you. We do apologize for any confusion: we were not aware that you had cancelled the agreement with the merchant who sold you your consumer product. It was only after you spoke with a UCFS representative on May 18, 2016 that we became aware of your cancellation. Please note, though, that no refund is due to you because you revoked the lone payment on your account. Your banking institution notified UCFS of the revocation. Your 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 product. We have deleted any credit reporting on 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. Sincerely, Cheryl B[redacted] 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. 
Regards,
[redacted]

Date Sent: 2/24/2016 5:19:40 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]

July 18, 2016 Ms. [redacted] FL [redacted] RE: United Consumer Financial Services (UCFS) # [redacted]       Revdex.com Complaint No. [redacted] Dear Ms. [redacted]: United Consumer Financial Services (UCFS) received your Better Business...

Bureau complaint. Thank you for bringing this issue to our attention so we may properly assist you. According to our records, on April 8, 2016, you signed a retail installment sales contract (the "Agreement"). According to the terms of your Agreement, you agreed to pay 48 monthly installment payments of $43.57 starting May 9, 2016. You agreed to pay finance charges of $688.11. Assuming all payments were made as scheduled, the total sales price of your purchase is $2,091.36. Your Complaint alleges that we are charging an interest rate higher than what Florida Statute permits. Florida law governing retail installment sales contracts allows a 12% add on interest rate method. Under the terms of your Agreement, you are paying an annual percentage rate of 21.15%. This is within limits set by Florida law for your Agreement. You also state that you were unaware of the cancellation provision in your Agreement. According to your Agreement, your signature was an acknowledgment that you read all terms governing your Agreement—this includes the cancellation provision displayed prominently on the front of your Agreement. The time you had to cancel your Agreement has expired. As of today, we have received 3 out of 48 monthly installment payments. Your next monthly installment payment is due on August 8, 2016 for $43.57. If you have any further questions, or need assistance, you can contact me at ###-###-####, extension 6115, or you can reach me via email at cb[redacted]@ucfs.net. Sincerely, Cheryl B[redacted] Compliance Department

[redacted]
[redacted]to yourRevdex.com Do to the holiday I have not being able to contact the company to finalize the settlement. I 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 agreement. Thank you very much for your intervention

[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] 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 charges. Otherwise, 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 amount. I just considered this a play on words and have accepted the situation......too much drama and game.

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