United Consumer Financial Services Reviews

This seems to be the scammed favorite financial company and that must be for a reason. Just saying!

They insisted I give personal information over the phone and told them I won't do that. They said it's a "secured line". I couldn't find their website easily, to log in with an account. I would recommend customers to check credibility of this company before using. They called my cellphone and I don't know how they got my information. My caller ID also showed that they also called from different states. FRAUD if you ask me ..

Hired an attorney for tax purposes. They sent me to this company to get money to pay them up front. The Tax attorney for tax did not do their job so now I'm stuck with this loan. I skipped a payment because I had to hire another attorney so I asked this company to defer a payment to the end. They refused! I am paying the highest rate you could pay in the state of Illinois and now they're charging me late payments on top of it. This is the only company that I ever dealt with that wasn't willing to work with you when you had a issue paying.

Horrible! I'm paying for something that I never see! They promised me they will help me with my timeshare relief and it became to be a nightmare, I don't recommend them at all, no help at all, the lawyer they assign me was never in touch with me, I received a email back staying that we didn't have any business together. Meanwhile I'm paying to USFC EVREY MONTH FOR NOTHING. I'M GIVING AWAY MONEY THAT I DON'T HAVE, I HAVE TO WORK 2 JOBS TO PAY MY BILLS AND PLUS ANOTHER BILL THAT I WAS NOT EXPECTING, BE AWARE BECAUSE THEY MAKE YOU SIGN AND PROMISE THEY WILL HELP YOU AND THEY SCREW YOU UP. I CAN'T GET MY MONEY BACK AND I CAN'T DO ANYTHING TO GET OUT OF THIS PROBLEM, I HAVE TO PAY AND PAY AND KEEP DOING PAYMENTS. I DON'T SEE THE END OF THIS.

I purchased a mattress through Exclusive Furniture. The finance company they provided was United Consumer Financial Services. Instead of just sending you the information to start making payments, they sent a contract requiring a phone and verification on June 23. After calling three times, being put on hold for long periods, I finally got the verification. I was told I would get the code to sign up on my account by that Friday. That code never came. I cannot get into my account to make a payment without the code.

STAY AWAY FROM THIS COMPANY! This company is what you would call a predatory lender. They have horrible customer service; they say a supervisor will have to take care of that when they tack on late fees for their negligence. They reported to the credit bureaus that my payments were late when indeed for some reason they charged off my account. Being a good consumer, I called to find out why my payment was not taking and found this out. Don't you worry though they pulled it back out of charge off and added a couple more hundred dollars to my balance and horrible customer service again.

I paid off an account in full, yet monthly payments were deducted for two months (and counting) after a zero dollar balance was made. To be clear, the first erroneous payment was deducted from my account THIRTY days after I paid the balance in full. The second erroneous payment was deducted from my account SIXTY days after I paid the balance in full. Every time I call, I am told "the supervisor has to handle it". Yet the supervisor has NOT handled it and I have NOT received a refund. I am told "I sent the supervisor an email, she has to do the refund, those are the rules". The supervisor is either a fictitious character or is not doing her job and this business has STOLEN my money. Also, their website is horribly antiquated. Do not recommend them EVER.

This company does not disclose their hidden payment guidelines. If you think you are paid and full, you are mistaken. They will tell you that you still owe them and then forget about having autopay set up because they will tell you it does not automatically take any money out. To me it is very misleading and unfair. They are now asking for over $2400 when they already received over $2600 for because of a $138 difference which is still confusing when I paid the full amount showing was due. Do not trust this business! I am now struggling to pay over $1,000 by this month due to $138 that they will not accept and interest will ensue asking for over $2400 if not paid by the date.

This company has mismanaged my account for three years. They repeatedly have marked me late with the credit bureau even though I'm on Autopay. They just don't bother to take out the money so they can charge late fees. They overcharge and don't fully disclose terms. Now I'm trying to pay it off. They said my payment was declined, which my bank disagrees with. I made another payment. Now they're charging me $1400 to close it. I am beyond angry.

United Consumer Financial Services is simply the best. They definitely go above and beyond for the customer. Michelle from team 2 has been a pleasure to work with. I highly recommend this company for all of your consumer finance needs.

A terrible organisation with no morals or ethics. They teamed up with Viewable and Rhino Media which meant they played their part in scamming 100s of small businesses across the UK and Ireland. I would suggest you stay away from UCFS and a fellow finance company called Grenke.

Day light robbery. Misleading people while in tie-up with companies like Rhino Media and similar companies. Please be aware and My instinct is it's not as simple as ripping shop keepers off. They must've been doing something else. Money laundering or cleaning money through this loophole,

PLEASE STAY AWAY FROM THIS COMPANY. I have become a victim of one of their scams, I own a small convenience store and was approached by a RHINO MEDIA GROUP rep to enter into a contract where they would provide us with a tv screen to display in my shop and they would generate adverts based on info we provide like special offers etc, they told us that it’s a 36 month contract and that £300 would be taken from my account by this finance company and that they (Rhino Media) would put it back on a few days later. This started in March 2019 and I received 3 payments back in total. Rhino media have stopped paying me and now appear to be going h bust. I cancelled my direct debit because I simply can’t afford to pay £300 a month I thought I was getting something for free?!

I financed the purchase of a Trusii H2 water machine through a very high interest loan from UCFS. I only did this because of promise of reimbursement from Trusii for my loan payments. However the machine and Trusii both turned out to be scams. The machine doesn't work as advertised, needs filters which the company won't provide, and Trusii has stopped paying without cause.

This company is truly disgusting. I've had lodged a formal complaint about my Trusii H2 molecular hydrogen machine to UCFS 3 months ago. They have not helped whatsoever. Upon calling them multiple times, they have denied any involvement with the product, when in fact they took over all forms of rights. They claim I need an attorney in order to speak with them further. Wow, what a response in order to not provide me any assistance. Do not use this bank, they don't deserve your business. They actually deserve to be shutdown.

I have utilized United Consumer Financial Services to provide consumer financing for our business over the past 20+ years. It has been an incredibly rewarding and profitable experience. UCFS has a dedicated staff that is available literally seven days a week to assist customers with any issues that may arise. They provide deferred payment options as well as several different same as cash options for our customers. I strongly recommend you consider UCFS as a partner to help you grow your organization.

I financed the purchase of a Trusii hydrogen water machine through UCFS, however the machine made both my wife and I extremely sick. Trusii sent me a return shipping label to return the machine, which I did, however UCFS is still making me pay back the entire loan (plus interest) even though I returned the product. It's purely criminal what they are doing. UCFS refuses to go after Trusii for their money, refuses to cancel the loan, and instead comes after me for their money even though Trusii has both their money and the machine. I've reported UCFS to the FCC, the BBB, and the Attorney General in Ohio, and I will never do business with UCFS in the future.

I purchased a molecular d’hydrogène water treatment from TRUSII in March and got financed by UCFS. The machine is already out of use producing moldy water and no Hydrogen anymore. It happens that TRUSII company is a scam, CEO is already having a lawsuit from previous business. UCFS didn’t do their research.! They allegedly purchased the sales agreement from Trusii without notifying me. They kept denying forgiving My loan by saying my agreements with Trusii and UCFS were mutually exclusive, and now stating that they control the entire sales agreement and Trusii has no authority to accept the machines back should I as the consumer decide to return it as it is defective, as it has 3 years warranty.

Love my experience with this company....incredible staff & wonderful contests and support they provide me...they will definitely take care of all your customer service needs. Several times I have needed assistance and they have never failed to help me out in a timely manner and take care of all my questions and needs.

Purchased a new, warmer filter system from Premier Water Systems through UCFS, a written contract for 72 months, in Dec 2018 made payment 72, all done right, not so fast, UCFS continued to take payments from my account! When I questioned them they said I still owe interest for 2 more months! Hold the phone, I had a written contract signed by their Rep and myself for principal and interest! I added up the columns of payment and interest, it is exactly what the signed contract said! They have reported me to Credit Bureaus for delinquency! I reported them to my Attorney General! WORD TO THE WISE, DON'T BUY THERE. UCFS OR PREMIER WATER SYSTEMS, BOTH ARE CROOKS!

United Consumer Financing is the only company that I have receive financing from that I will never choose to receive financing from eeeveeerrr again. I agreed to gave them finance me for a Kirby vacuum. After missing one payment I agreed to have them take well over the minimum payment out each month from my bank account so that I wouldn't miss another payment and to pay the debt off in a manner timely for me. This way of paying was discussed with an associate in February of 2018 who arranged it and said my last installment in July 2018 should be sufficient enough to clear the debt.

We took a small loan with this company when we purchased a Hyla. This is the company they offered us to do so. We paid for half of the vacuum and then financed the rest with United Consumer Financial Services. I set up auto pay for one year. Every month on the first they took their payment and on March 1st it was paid in full. TODAY, now a month after we paid it off, we receive a letter from them. We never made a late payment. We never missed a payment. We suppose this letter was to tell us our commitment to them was paid in full. What it does actually is basically tell us that if we are trash and have a NSF check out there, it not paid, they retract their statement of paid. NOWHERE does it actually SAY THE WORDS... "You are paid in full."

I sent an automatic withdraw request but a few days later, I ended up changing banks so I called UCFS to make them aware that I won't be using the bank I sent the request for. The guy I spoke to said to not worry. They will take care of it. They went ahead and tried pulling the money from that account 2 times, causing 2 overdraft fees of $30/PC totaling a very unnecessary $60 fee. They won't own up to their mistake and refund these fees.

Set up auto pay, then cancelled it, made payments from different source. Well these people decided to help themselves to my bank account, after the payment was made. Overdrafted my account. Then have the gall to send me letters demanding late fees. Raised Cain with them, had to go through a lot just to get them to fix this which they say will take 30 days. Didn't take them 30 days to take my money. I have contacted my attorney. They are the worse.

Every time I call to get help I always get someone that has a attitude with me. They are unprofessional and horrible with customer service. They are also very sketchy. I've been paying on my account and it wasn't getting took out of my account. I called to get help and they basically told me it was my fault it wasn't getting took out. Got to better my credit and is ending up hurting it instead. Wouldn't recommend this company to anyone.

The representatives are extremely rude and callous. They constantly try to take payments when it's not the payment date, when the money is unavailable, which reflects badly on my credit. I have a special account set up just for this company to take monthly payments from. When I try to remedy the issue, they talk down to me and treat me like I'm a stupid child. No matter how nice I am to them. Very very unprofessional. The last representative I talked to got angry with me and decided to start an argument. Then when I told her she was on speaker, she either held down a key on the phone or put the headset next to a speaker because this horrible ear-splitting noise came over my speaker on my phone and lasted about 2 minutes until I hung up finally.

My friend has been working for this company for 14 yrs. Her daughter has become very ill and she has to take off to be there for her child. (What normal parents do.) Her daughter is literally fighting for her life and will need heart surgery to survive. All that being said this so called company fired her because they said she was a no show, no call for 3 days. So I know the law in FMAL and unfortunately it doesn't apply to a company with under 50 employees. Sad but true. However, you would think that under the circumstances and that she has been with them for 14 yrs (dedication is what that is called) that they would let her be with her only child. Nope not the case at all.

I am actually writing for my 88 year old father. Because of his age and the fact that he is living on a fixed income, I have recently began helping him with his bills. I have just discovered that he bought a Kirby shampooer and vacuum on 3/15. I can't believe the price he is having to pay for this. Obviously, the sales rep took advantage of an elderly man. His name is not even correct on the contract and my father's signature is not correct either. There should be a law prohibiting these scammers from taking advantage of the elderly in our country!!! Shame on you. By the way the salesman's name is Nathan **.

I purchased a Kirby sometime before my first child in 2014. I never received one piece of mail from them regarding my account. Not one. Never a piece of mail with my account information or an update on my balance. When I did finally call to get my balance the customer service was terrible. The agents have an attitude problem and are not happy to have a job apparently. I am very dissatisfied with the service I was provided.

When you call this company they have total disrespect for the consumer. To get respect you must give it. I told them to stop taking money from my bank acct. because it was compromised. If they want to work with the public then they need to learn how to speak to someone. The company I purchased something from no longer has a phone number in service but your phone operator talks condescending when asked questions. If this continues I will contact the better business bureau and the attorney general. Their reviews are pretty bad as well.

I purchased a Rainbow Cleaning System from Northeast Air Solutions in Latham, NY on 8/6/16. Like many other reviewed on ConsumerAffairs can corroborate, that company used very coercive and manipulative sales tactics in order to get me to buy the products. Nonetheless, I accept responsibility for buying the product. However, about a week later, I found out that I needed to have surgery, which means an increase in co-payments and medical bills. I came to the realization that I would no longer be able to afford the Rainbow device.

I ran into financial difficulty and worked with a credit counseling agency recently. They got other creditors to lower interest rates, close and remove accounts from my credit report and pay the principal balances at lower monthly payments. This company gave me the most grieve. They sent a letter agreeing to a lower monthly payment, however they failed to post a payment. Then they began adding late fees in addition to the interest and reported the account as over 30 days late.

I have been receiving phone calls from United Consumers once a week for about a year. The phone call does not identify who is calling. I found out it was United Consumers calling me by googling the phone number on the Internet. The phone call asks if I am Ronald **. I am to press a certain number if am Ronald ** and another number if I am not Ronald **. I have never pressed a number indicating whether I am Ronald ** or not. I feel that I should have to press a number. My name is Roger **. I have the same first initial and last name as Ronald **. Just because I have the same first initial and last name is no justification for my being harassed by weekly phone calls.

I had a guy come to my for at 9 o clock at night on a work night and convinced me to buy a Kirby vacuum cleaner which is a great product and I have always wanted one. He tried to sell it to me for $2000. I refused. He dropped it down to 1800. Still refused. I said, "There is no way you can convince me." He kept lowering the price. Finally he said, "With all costs included this is the bottom price...$1200. I said, "Ok." Then he told me I won't have a payment for 6 months and then I would have 1 year payoff, no interest, if paid off in that first year after starting payments.

Pretty crappy and not intelligent people. I am currently almost done paying off my vacuum cleaner from these people and I cannot wait to be done. I just received a call from these people and was informed I still owe money. I told them that I set up double payments for a couple of months before I relocated to a crappy place with overpriced cost of living. And they were supposed to continue to remove money from my account until it was paid off. Well obviously these people are not too intelligent because they decided that since I paid double payments that they would just stop taking money out.

I bought a vacuum on April 2, 2014, put $500 down and the salesman told me it would be paid off in less than 18 months at $82.18 a month. Well I have been paying for 18 months now and I talked to a Jennifer Ext. ** today and she informed me I still owe $2000.00! What, are you serious! I do not know any other way to say this. DO NOT PURCHASE ANYTHING FROM THIS COMPANY! NEVER FINANCE A KIRBY!!! The Vacuum itself works great besides being super heavy!I Also purchased my vacuum from a salesman and it is a women that's name is they have!

I purchase a Kirby vacuum on March 13, 2013. And the sales person came to my house and sold me the vacuum for 1,600 and every month I have to make a payment $61.77. I started making the payment the 1st of May, the payment was $100. My last payment was in August 1, 2014. I paid $142.74, I paid them off. After a year they called me the 8th of July 2015 saying that I owe them money and I paid them too early and they wanted to take interest from me. They send a letter saying that the cost of the vacuum is $2,223 and the guy sold me the vacuum for $1,600. If I paid them off with no late fee then why are they harassing me about paying them extra.

So let me start by saying my fiance got roped into working for a seller for Kirby. He was hounded constantly by his boss to make the sale. We fought for two days over doing this. Finally I agreed. I was told the amount was 1595$, they marked it on my credit as 2075$. They call every day, twice a day now including Sundays, which in my state is not legal. I am pregnant and out on leave due to complications and they ask personal questions, make rude comments, and are not helping my condition. I have blocked their number but they call from a new number! My boyfriend told them to stop calling and upsetting me but they don't care. Extremely rude and my credit is marked more than the financed amount!!!

First let me start that while I am unhappy with how the product was sold to me, the ambush I felt, I do recognize that anytime I could have forced the salespeople out of my house. It is not in my nature to be rude, and I understand it is their job to take advantage of that, but I do know this is my fault. Second, while I would not purchase this vacuum again given the price, the weight and bulkiness, and the inconvenience of use, it does work well for cleaning purposes and the product itself was described accurately.

I bought a Kirby vacuum using this company!!! The last two years I have paid on time and even extra (to the point that I am not due for 9 months)!!!!! I have lost my job and attempted to settle the last 200 of the 2400 and they refused any assistance! Only SCUM SUCKING VULTURES would rather ruin someone's credit than settle!!!!