United Consumer Financial Services Reviews

We always paid way above the minimum amount, and were never late in our payments. One month before the one year period ended, we sent them a formal letter, by certified mail, with return receipt, advising that we had elected to pay off our entire financed amount under the "12 months same as cash" option, and attached was the final payment (of $100).

Can you believe that the company sent me a letter back basically saying, "thank you for your check, ok, but you still owe us $100." Although they thanked us for the check, they essentially have not deposited it, and have not credited it to our account. They are holding the check purposely so they can say, "ha ha, you didn't pay the full financed amount within one year, so now you owe us an additional $370 for accrued interest."

Obviously we are not going to let this happen and will fight this. We may have to stop payment on the $100 check, and pay them over their website so we'll have proof they received the final payment. But we are very angry. Additionally, I looked up this company on bbb.org (Better Business Bureau) website and was amazed to see they have 69 complaints filed against them but are still given an A+ rating by the BBB. Apparently they were able to work out "most" of the complaints with their customers amicably. But you know what? I smell a rat. I guess if one pays a membership fee to the BBB then they will rate you high no matter how dishonorable you are, and no matter how many complaints people file against you. Thanks to consumeraffairs.com for allowing us to get the truth out about United Consumer Financial Services!!!

1) They lie, & intentionally misquote, interest rates on monthly payments, the amount of the monthly payment, terms....etc...!!!

2) They offer you their office number for "questions, & support", which may or may not be a "Kirby-related" phone number - which doesn't matter, because that person will tell you that you've called an incorrect number & provide you with a different phone number which belongs to "UCFS"!!!

3) My "ex-friend" wrote down & told me of a monthly payment of $38.74 per month!! Immediately after making the first payment, UICFS started pounding my telephone number, telling me that my payments were $89.50, per month!!!! UCFS is not at all a "legitimate" business - & definitely should be investigated by authorities!!!

All of the employees at UCFS are extremely rude, & have never been able to provide a straight answer to a simple, & direct question regarding my account!!!!!!! Blame the authorities too!!!! These are the people that are suppose to be overseeing the companies & the people running them, who are collecting large gov't checks - that are not doing their jobs, but are instead out on the golf course or in a motel room with their secretaries, not paying any attention to complaints & specific problems that people write them & alert them to!!! Don't forget!!! Bernie Madoff was pointed out by many Wall Street pros - up to 10 years before his arrest!!!?? ===>10 years!!!! <=== It doesn't do any good to hire a "watchdog" that's "always" asleep! Please feel free to contact me - anybody!!!

After paying $1200.00, I was told that my pay off was $1307.40, and the offer was only on the table until Sunday, 1/10/10. They implied that this was a break, and I should take it. This was the price on my contract if I had financed for 36 months. I was intimidated and thought I should go ahead and pay so I wouldn't be on the hook for more.

My daughter looked over my contract and told me that I had paid finance charges for the whole 36 months, even though I paid off the balance in a year. I further found out that there was nothing I could do, since United Consumer Services took all the interest up front. Further review shows that Kirby sold my finance contract to United Consumer Finance Services 9 days after I signed the contact with Kirby. Actual review of my contract shows that the original contact was with United Consumer Financial Services.

I guess the letter telling me that they had bought Kirby's contract was just to get Kirby off the hook for the shady finance agreement and rip off that I was lured into. Kirby and United Consumer Financial Services are running a huge scam. I plan to take this complaint not only to Kirby and United Consumer Financial Services, but also to the Better Business Bureau. To rip off a senior citizen taking care of a disabled son is a disgrace.

I am a Home & Garden party Designer. This allows me to work from home and be able to take care of my children. When I have Home & Garden Parties at my home, and United Consumer Finacial Services calls repeatedly during these parties, It leaves a bad impression on my clients, therefore resulting in no sales, which therefore results in no income for myself to help support my family. I am emotionally drained, I dread the phone ringing. I am bipolar so it is also causing undo stress on myself, whinch is projected on the rest of my family. I can't have my clients over at my house because of UCFS harrassing phone calls.