Universal Payment Corporation

Re: Complaint No: [redacted] Dear Ms [redacted] We are writing to update you regarding the above reference consumer complaint.The complainant contracted with Universal Payment Corporation in March, At that time he signed a Retail Installment Contract agreeing to make monthly payments for invention promotion servicesIt is our understanding that his services were completed in their entirety and in accordance with the terms of his contractThe complainant however, did not uphold his contractual obligations and stopped making his payments in At this time, he still owes over $3400, all of which is past due.Our records indicate that the last payment our company received from the complainant was on September 3, 2008, not June, as stated by the complainantTherefore, the account is not past years, 'Nevertheless, upon receipt of the complaint we referred it to the company for resolutionIt is our understanding that a representative of the company reached out to the complainant and resolved his concernsAccordingly, we respectfully request that your file on this matter be closed.Thank you for bringing this complaint to our attention.Sincerely, [redacted] Manager/Universal Payment Corporation

We got this financing from InvertHelp. It was a mess from the beginning. My sister wanted to set up auto pay but the it at Inventhelp didn't put her name on it. Finally we got that done and I called and spoke to out account manager Amy to get my sisters name added to it as with this being in my name alone it was affecting my earnings to debit ratio. She was worthless. Now I get a letter in the mail from Amy dated 6/12/19 and note that she didn't run it through the office stamp machine until 6/14/19. I received the letter 6/18/19 and it said if we wanted to exercise out 12 month same as cash we had until 6/19/19 as it would expire and we would be responsible for not only the interest that will accrue after this date but also for the interest already earned on our account within the past few month. Keep in mind interest of $828.65 was already figured into our payment so now we are getting a lot of double talk, Also keep in mind that I had recently sent in a $300.00 payment.On 6/19/19 the day after receiving the letter I left several messages with my cell number asking Amy to call. by 11am (MDT) she had not returned my call I called just the regular number as I wanted to see what our payoff was. I spoke to Mike who said our payoff was $6588.22 but amy has it as $6967.17. Also Mike said she did try calling me and he read me the number. Instead of her calling the number I had left on her voice mail she called my home. When I asked her about it she said there was no number left. I told her that I left my cell number not just once but 3 times on my voice mail. Now she is trying to act like she did her job by denying I left the number, but 'Im not an it and I clearly know what I left in 2 different voice messages within minutes of each other. Now if we act by today we will save $828.65 in interest. Now hear it comes: total payoff is $6138.52. Well if Mike said our balance is $6588.22 and they subtract the $828.65 from that shouldn't pay off be $5759.57? So by them doing this they are keeping $378.95 of that $828.65 so actually we are only saving $449.70. Lesson: we found an interest free credit card and did a transfer to get away from Universal Payment corp. as they were not doing u s any favors and the transfer fee cost us over $300.00 so we didn't save a thing but we will save now that it is with an interest free credit card so over the long run we will NOW Save money now that we are no longer with Universal payment corp. I would never do business with them again and should we use inventhelp again we will find our own financing as I think the representative at inventhelp you was let go do to many wrong doings, got something out of signing people up with them. They try to make you think they are doing this great thing for you but I don't think they realize there are people out there that have a brain and don't believe everything they are being told and start digging into things. Our mistake was not to dig earlier and look for reviews online-we would have never gone with them. Thank goodness my sister was able to get that credit card as quickly as she did because Amy did everything she could for us to miss their deadline.

Re: Complaint No: [redacted]Dear Ms. [redacted]We are writing to update you regarding the above reference consumer complaint.The complainant contracted with Universal Payment Corporation in March, 2006. At that time he signed a Retail Installment Contract agreeing to make monthly payments for...

invention promotion services. It is our understanding that his services were completed in their entirety and in accordance with the terms of his contract. The complainant however, did not uphold his contractual obligations and stopped making his payments in 2008. At this time, he still owes over $3400, all of which is past due.Our records indicate that the last payment our company received from the complainant was on September 3, 2008, not June, 2006 as stated by the complainant. Therefore, the account is not past 7 years, 'Nevertheless, upon receipt of the complaint we referred it to the company for resolution. It is our understanding that a representative of the company reached out to the complainant and resolved his concerns. Accordingly, we respectfully request that your file on this matter be closed.Thank you for bringing this complaint to our attention.Sincerely,[redacted]
Manager/Universal Payment Corporation

I have received a letter of resolution.  Please note.
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]

Review: This company has been harassing me with a phone calls and send multiple letters claiming I owe them money, which I don't and it's preventing me from getting a loan. The harassment hasn't stopped and would like to terminate all ties to this companyDesired Settlement: Just would like everything to be terminated as if I never knew the company was in the first place

Business

Response:

Re: Complaint ID#: [redacted]Dear Ms. [redacted]:We are responding to the above referenced consumer complaint.The complainant contracted with Universal Payment Corporation in May, 2013. At that time, he signed a Retail Installment Contract agreeing to make (3) monthly payments for invention promotion services, it is our understanding that his services were performed in accordance with the terms of his contract.However, the complainant did not uphold his contractual obligations and did not make any of his agreed upon payments to Universal Payment Corporation. Upon receipt of this complaint, several attempts were made by telephone, email and overnight mail requesting that the complainant contact us in order to speak with him and hopefully resolve this matter. To date, we have not heard back from him.Should the complainant wish to discuss this matter, he should contact us. Thank you for bringing this matter to our attention.SincerelyDEBORAH L[redacted]ManagerUniversal Payment Corporation

Review: Universal Payment corporation has been harrassing me by mail and phone for several months now. I have no idea who these people are. I have talked on the phone with "[redacted]" if that is her real name and asked her to whom I owed the supposed $504.63. She just double-babbled and had no answer. As far as I can tell this is a predatory "faux" collection agency preying on people who do not have their finacial ducks in a row and might forget or not know to whom they might owe money. Some might pay it with the threat from Universal that, "this is being reported to credit reporting agencies as past due." Enough to scare some people into aquiesence just from the credit threat. This company is, as far as I can tell, bogus, and a fraud. And though the address is in PA they have violated federal law by crossing state lines via the United States Postal Service. I request that you look into them on my behalf, and possibly thousands who are receiving these threatening mailings and calls. The person(s) in question: Universal Payment Corp. [redacted]###-###-#######-###-#######-###-#### fax[redacted] Ext.: [redacted] Collection Specialist. Thank you [redacted]Brooklyn, NYDesired Settlement: None. Just investigate this fraudulent, bogus company.

Business

Response:

We are writing to update you on the above referenced consumer complaint. We determined that this complainant is not a customer of Universal Payment Corporation. The contact information for this account has been updated to ensure that the complainant will not be contacted again. We spoke to the complainant and apologized for any inconvenience this matter may have caused. At this time we respectfully request that your file on this complaint be closed. Thank you for bringing this matter to our attention.

Manager

Review: To whom it may concern,In addressing universal payment Corp. account number [redacted], I have requested full debt validation from this collection agency AND credit bureaus and have never received a response of my request. (No contract, no invoice, nothing bearing my signature) I have verbally & written to Universal Payment Corp not to contact me until I figure what this bill is all about (company continues to communicate). One agent told me, I will pay my bill and I should just be responsible on 6/26/2013 # ###-###-####. That statement infuriated me. I filed a complaint with [redacted] reference # [redacted] and I seeking legal advice to sue Universal Payment Corp for amount owed and have this collection removed from credit report. The little information given to me leads me to (firmly) believe it is NOT my bill, as the company originating the account is not a creditor that I or any member of my family has ever seen. I am still in the process of disputing this account as; again, we do not believe it is accurate.Diante D. AdamsDesired Settlement: Cease communication with my family and have this item removed from my credit reports expeditiously.

Business

Response:

July 22, 2013

Via Fax: ###-###-####

Ms. [redacted]

Revdex.com OF WESTERN PENNSYLVANIA, INC.

400 Holiday Drive, Suite 220 Pittsburgh, PA 15220

Re: Complaint ID: - [redacted]

Dear Ms. [redacted]:

We are writing in response to the complaint filed by the above referenced consumer.

Mr. [redacted] claims in the complaint that his account with our company"... is NOT my bill..." We spoke numerous times to Mr. [redacted] about his delinquent account. Upon receipt of his request to validate his account we responded in writing on July 6, 2012 via Certified Mail. We also responded in writing to the ten (10) disputes which he filed with the credit reporting agencies through their electronic system known as E-oscar. Recently, when we have been successful in reaching him by telephone, he abruptly hangs up the phone.

We sent the attached letter to Mr. [redacted] which confirms that this account is his responsibility. Mr. [redacted] has made no payments whatsoever on this account and still owes over $670, all which is now past due.

Accordingly, we respectfully request that your file on this complaint be closed. Thank you for bringing this matter to our attention.

Manager

Enclosure

July 19, 2013

Mr. [redacted]

Re: [redacted]

Dear Mr. [redacted]:

We are writing in response to the recent complaint you filed with the Revdex.com.

You claim in your complaint "...it is NOT my bill," We are enclosing a copy of your Retail Installment Contract, signed by you on April 11, 2011. As you can see, you agreed to make payments commencing on May 15, 2011. To date you have made no payments whatsoever and still over $670, ail of which is past due.

You also claim "...I have requested full debt validation from this collection agency AND credit bureaus and have never received a response of my request." This is simply untrue. We received your request to validate your account on July 6, 2012. We responded to your request via Certified Mail on July 6, 2012. Furthermore, we have responded in writing to each of the ten (10) requests for validation you have filed with the credit reporting agencies through their electronic system known as E-oscar.

Should you have any further questions, please feel free to contact us.

Sincerely,

Manager

Enclosure

cc: Revdex.com

Review: I am trying to make a complaint on a business located in Pittsburgh ,PA. I cannot locate it in your website to make a complaint. Not sure if it still exist. The name of the company is Universal Payment Corp. [redacted] In 2004 I placed an invention and I located this company in Irvine named [redacted]. I submitted my idea and for one year I was going through the ins and outs of the company scheme. I was sent brochures and letters stating they were going fabricate an prototype and for one year I was paying large sums of money let alone a large down payment. After the first year I started receiving letters stating they were going to advertise my idea through out shows? I started to figure they were not really doing much but sending me false claims. I started to tell them to prove me they were submitting my idea in shows and they had nothing to validate their claim. I stopped payment in 2006 around June after many attempts for them to prove their work. Which had failed many times over. I started to claim I couldn't pay when there collector will call me and I would request their validation only to have no proof. This account was breached on the part of no provable work. I feel after many attempts they should of provided something to me. This account has not only been tarnishing my credit report but also my credit score. This account has been closed for over many years. Under the California statues of limitations this account is not onlyover 4 years but also ZOMBIE. As of my research this account is past 7 years and should not exist in part of breaching of contract on behalf of Universal Payment Corporation. Please investigate this account and please resolve this matter for me. If needed I can provide them with my attorney [redacted] at ###-###-#### to proved to Universal Payment Corporation.Desired Settlement: I would like this company to remove their negative listing from my credit report. I am asking for an investigation from Revdex.com. I do not wish to continue with this negative listing. The account number is [redacted]. Last payment made 2006 June.

Business

Response:

Re: Complaint No: [redacted]Dear Ms. [redacted]We are writing to update you regarding the above reference consumer complaint.The complainant contracted with Universal Payment Corporation in March, 2006. At that time he signed a Retail Installment Contract agreeing to make monthly payments for invention promotion services. It is our understanding that his services were completed in their entirety and in accordance with the terms of his contract. The complainant however, did not uphold his contractual obligations and stopped making his payments in 2008. At this time, he still owes over $3400, all of which is past due.Our records indicate that the last payment our company received from the complainant was on September 3, 2008, not June, 2006 as stated by the complainant. Therefore, the account is not past 7 years, 'Nevertheless, upon receipt of the complaint we referred it to the company for resolution. It is our understanding that a representative of the company reached out to the complainant and resolved his concerns. Accordingly, we respectfully request that your file on this matter be closed.Thank you for bringing this complaint to our attention.Sincerely,[redacted]

Manager/Universal Payment Corporation

Consumer

Response:

I have received a letter of resolution. Please note.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.