Unifin, Inc.

I have been called numerous times by this company within daysI told them I was not who they were looking for I was in turn called all kinds of nanes including a liar! They are very unprofessional and inappropriate and are even starting to harass me

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
Sincerely,
Ashley H***

Initial Business Response /* (1000, 5, 2015/10/06) */
Contact Name and Title: [redacted], EVP
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unifinrs.com
There are a lot of false allegations and bogus information in this complainants case description that I refuse to even address. The creditor...

has been notified of your dispute, and your account has been closed and sent back to the creditor.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with various people last night and this morning. I have recorded all 9 calls and the business has the recorded calls as well. On record, they have threatened me and pressured me to pay them money to an account that doesn't exist. This is a scam. The man that I spoke with last said his name was [redacted] and he was the one who told me they ran my credit to get my personal information. There is no dispute or creditor. They've obtained information about an old account attempting to scam money out of people. This is a small hole in the wall company that only makes 200k a year scamming off of old accounts. This response is unacceptable because they've been caught in a lie. First [redacted] says they've never sold accounts to this company. They've called and harassed me then when I call back no one is there to answer and a manager is unavailable.

I would like to extend an apology if you felt like you were not treated fairly.  A letter was mailed to you notifying you that the account was placed in our office for collections and your rights to dispute the debt. We never received your response. I'm going to assume based on your complaint...

that you never saw the letter from us. We went forward with collection efforts based on our clients request to do so. I'm glad to hear that the confusion was cleared up with the client directly and have closed your account. Please feel free to reach us directly if you have any further questions or concerns regarding this account.

Initial Business Response /* (1000, 5, 2015/08/13) */
Contact Name and Title: [redacted], EVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@unifinrs.com
I have reached out to the consumer's mother via telephone as requested, and have apologized on behalf of the company for not addressing her...

request when originally made. The consumer's mother has given us permission to email her the validation documents as opposed to mailing them and will do so as soon as we have received them from the creditor.
Initial Consumer Rebuttal /* (2000, 7, 2015/08/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This was all I asked for originally. I will be satisfied when the documents are received.

Initial Business Response /* (1000, 5, 2015/10/08) */
Contact Name and Title: [redacted], EVP
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unifinrs.com
We apologize that we were not able to serve you to the best of our ability. We have notified the creditor of your complaint and have...

closed and returned the account to them.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for giving my case back to the company

They call, wait for you to answers and then hang up. You are forced to call back and when you do they don't present themselves as debt collectors they just start spewing out your personal information, which I REFUSE to verify for someone who never told me who they were. When I asked for proof of debt they couldn't provide it and had to get mangament involved. And when they did it was debt I had already handled. I still can't tell if the are debt collectors or scam artist.

Dear [redacted] Thank you for taking care of your debt. First conversation our representative had with you, our representative gave you reduction and broke up remaining balance into the amount you agreed and payment plan was set up. There was no "Do not call at work" notation on the account. Our...

policy is if the consumer request not to be called at work, the phone number gets marked as "Work Number" and account gets marked as "Do not call at work" status, which disable any possibility that you will receive call at work number. After your second payment declined, the representative called you, after you advised him that this was your work number and you do not want to be called at your work, the representative marked the number as "Work Number" and placed "Do not call at work" notation, so there is no possibility of you receive any call at work. As per your statement that $100 biweekly is too much for you to afford, we will extend the Settlement time for you and apply $83 you already paid, please contact the manager on duty and arrange the payment that is easier for you to afford.Thank you, Unifin Management

Initial Business Response /* (1000, 5, 2015/10/06) */
Contact Name and Title: [redacted], EVP
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unifinrs.com
There are a lot of false allegations and bogus information in this complainants case description that I refuse to even address. The...

creditor has been notified of your dispute, and your account has been closed and sent back to the creditor.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with various people last night and this morning. I have recorded all 9 calls and the business has the recorded calls as well. On record, they have threatened me and pressured me to pay them money to an account that doesn't exist. This is a scam. The man that I spoke with last said his name was [redacted] and he was the one who told me they ran my credit to get my personal information. There is no dispute or creditor. They've obtained information about an old account attempting to scam money out of people. This is a small hole in the wall company that only makes 200k a year scamming off of old accounts. This response is unacceptable because they've been caught in a lie. First [redacted] says they've never sold accounts to this company. They've called and harassed me then when I call back no one is there to answer and a manager is unavailable.

Complaint: [redacted]
I am rejecting this response because: Scam
Sincerely,
[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.
Sincerely,
[redacted]

We are sorry that you experienced a fraud, that someone used your information while receiving medical care in Georgia. Thank you for your comment that our representative was very nice. Please understand, there was no record of this debt being the potential fraud when we received the account to...

our office. After you claimed that you are victim of identity fraud, she did ceased collection immediately escalated a call to the fraud department as our representatives are required to do because our company takes serious steps to assist fraud claims. Concerning our Fraud Department representative, she immediately informed you that she needs to ask you questions necessary to report fraud to the creditor. Regarding your rights under [redacted] Unifin Inc does not report this kind of debt to the Credit Reports, so please, if you wish verify is this affecting you and if you choose to do so, contact the entity that is reporting if it is reporting, as well consider this as not a Credit advise. Thank you for providing your residence information and advising us that you have Identity Theft Report filled with [redacted] and [redacted], we are sorry that our Fraud Department Representative was not giving you customer service per our highest standards, she did following according to company's rules, after getting your information; Placed your account to "Cease collection activity", "Return the account to the Client", "Notify Client" and "Send Fraud letter to the victim" status. Regarding another statement you are making; Age of the debt, please understand, if the proof is there that this debt is a result of the fraud, you will not be responsible for it, no matter the age of said debt.

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.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/10/08) */
Contact Name and Title: [redacted], EVP
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unifinrs.com
We apologize that we were not able to serve you to the best of our ability. We have notified the creditor of your complaint and have closed...

and returned the account to them.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for giving my case back to the company

I'd like to start by assuring you Unifin Inc is not a scam. If we were, we wouldn't be accredited with the Revdex.com. Per the [redacted] debt collectors are not to provide information to an unauthorized third party. Hence the third party disclosure laws, we are not to identify our selves as a debt collector...

unless we have verified we are speaking to the right party. Our representatives were only following the law. I appreciate your complaint as it is proof that we are complying by Federal statue and not just giving out information to individuals we are not able to identify. We will not be calling your phone number in the future. Regards, Unifin Management.

Dear Ashley,   Our sincere apologies if you feel like your request was not met. Our QA team is looking into your complaint and will retrain and coach the representatives if we find that the representatives didn't follow the proper protocols. We are in receipt of your request of...

validation documentation. We have forwarded the request to the current creditor and it may take up to two weeks to receive the documents. Once received they will be forwarded to you.  Also, in the meantime the account has been placed in a "cease collections" status, and collection activity has been suspended pending creditor's ability to furnish the requested documents.  I would ask you please close this complaint on Revdex.com and please communicate with us directly at complaints[redacted] in the future.   Regards,  ClintUnifin Management.

I would like to start by apologizing if you felt threatened or harassed in any way. As we continue to investigate the allegations made by you regarding one of our representatives, I would like to assure you that your complaint has been noted and collection efforts have ceased. We have asked the...

creditor to provide us with validation documents and will forward them to you once received. We will not resume collection efforts until we are able to furnish the requested validation documents. This process can take up to four weeks. In the meantime if you have any questions please feel free to reach me directly to further assist you. I can be reached at [redacted]. Thank you.

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. But I need to let you know that he had called my work again on 7/3/17 at 11:56 AM. I can't have calls here and he has been told. Please make sure that no calls are made here. Thank you
Sincerely,
[redacted]

We would like to apologize if you felt like our representatives were rude. We pride ourselves in being a complaint debt collection agency that adheres to all the laws and regulations that apply to our industry. As we continue to investigate your claims I would like to notify you that Unifin, Inc has...

ceased collection efforts on your account, and the account was returned back to the current creditor. Unifin, Inc. will not be contacting you in the future regarding this specific account. Thank you.

Initial Business Response /* (1000, 5, 2015/08/13) */
Contact Name and Title: [redacted], EVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@unifinrs.com
I have reached out to the consumer's mother via telephone as requested, and have apologized on behalf of the company for not...

addressing her request when originally made. The consumer's mother has given us permission to email her the validation documents as opposed to mailing them and will do so as soon as we have received them from the creditor.
Initial Consumer Rebuttal /* (2000, 7, 2015/08/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This was all I asked for originally. I will be satisfied when the documents are received.