ComplaintsforUnited Consumer Finance, Inc.

• Initial Complaint

  07/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a 2012 Honda Pilot financed via UCF purchased in December of 2021. I also previously financed a 2015 **** Fusion through UCF My credit report is showing the paid off Fusion correctly however the reporting for the Pilot is duplicated on my credit report. The Pilot is showing up as two separate accounts reporting the same information. I have filed numerous disputes sent emails and have attempted to reach someone at *** to correct the issue with an AUD. Rather than investigate my claims UCF is reporting back to the bureaus that the information is accurate. The actual information for the Pilot and the payment history is correct however they are reporting it twice as TWO separate accounts. I have one paid in full account and one open account. As of this date my credit report is showing one paid in full and two open

  Business response

  07/30/2024

  Within the past week, UCF received your disputed via E-Oscar and replied to the credit bureau to delete the alleged duplicate account. 

  Customer response

  07/30/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  The business claims to have deleted a duplicate account however the update on the credit bureaus shows that has not happened. 

  Business response

  08/05/2024

  As previously stated, UCF replied to the credit dispute to delete the duplicate report. UCF cannot control how long it takes for the credit bureaus to update your credit report. 

  Customer response

  08/06/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [I spoke with representative at experian and they have not received any information regarding the deletion of this duplicate file
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

• Initial Complaint

  04/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased the car December 2023 I've been making payments every month on time till now April 2024 next payment is due May ****************************************************************************************************** that they don't see any reporting to the credit bureaus from United Consumer Finance I purchased this car, I've been paying on monthly never missed a payment, I called United consumer finance ask them why they not reporting my on time payments they say they report to Experian the business I'm working with pull my credit report from Experian they have no record of my payments,they are frauding me telling me they're reporting they are not. I have come to understand, small car dealerships name **** in ************ where I purchased the vehicle is getting the creditworthiness for them self, it's like Im paying on the car but someone else is getting credit for it there not reporting my payments to any of the 3 credit bureaus this need to be checked into it's not right that they're not reporting that I'm making my payments on time and need this to show for my credit rating for purchasing a home a new car or anything that I need.

  Business response

  05/01/2024

  UCF Reply: UCF is currently reporting credit to Equifax. UCF recently switched systems and this has caused a delay with Experian validating our credit data. Once our data is validated, Experian will post all credit activities, in its entirely, to your credit bureau. That said, UCF will post a manual update to your credit file today to show your excellent payment history. 

  Customer response

  05/01/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint w

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ****

   

   

• Initial Complaint

  03/29/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this **** with charter communications, I do not have contract with UNIT CON FIN, they did not provide me with the original contract as i requested.

  Business response

  03/29/2024

  This complaint was sent to the wrong company. A search of our data base shows no records for the customer's name and social security number. If you still believe we are the correct company, please reply with an attachment of your vehicle's registration and/or Retail Installment Sales Contract so we can try to locate your account by the vehicles VIN #.

• Initial Complaint

  02/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Payment history reporting inaccurate Payments made monthly, though creditor never solidified official due dates, circulated statements, or posted ready access payment progress

  Business response

  02/15/2024

  ****************,
  United Consumer Finance (***) has accurately reported your payment history to the credit bureaus. To refresh your memory, we have attached a copy of your payment history and a copy of the Notice of Charge off that was mailed to you on 11/29/22. Furthermore, if you feel your credit was not reported accurately, wed recommend filing a dispute through the credit bureaus, rather than the BBB.
  ***

• Initial Complaint

  02/02/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for the debt with United Consumer Finance. I do not have a contract with United Consumer Finance; they did not provide me with the original contract I requested.

  Business response

  02/05/2024

  *** was unable to locate your name in our system. We believe this may have been sent to the wrong company? United Consumer Finance, Inc. only finances motor vehicle purchases. The company you may be looking to locate could be United Consumer ********* Services?

• Initial Complaint

  01/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am filing a complaint as the business has advised they will be incorrectly reporting to the credit agencies for my account being past due, however, this is not correct. The company is advising that my car loan is over 30 days past due. I advised them that the car was totaled out and that the insurance company would be contacting them. The finance company told me that a payment would need to be made by 1/12/2024 in order to avoid reporting a late payment to the credit agencies. My insurance carrier contacted the loan company on 1/9/2024 and advised a payment would be sent, On 1/11/2024, a check was mailed to the loan company in the amount of the total loan. Collections manager, ******* x314 advised that although the loan had been paid and a copy of the check that was in the mail could be provided, they still transferred my account to collections.

  Business response

  01/12/2024

  *** has not received the total loss settlement check from the insurance company and the customer has not made a payment in 30 days. At the time she filed this complaint, *** had no ability to stop a negative credit reporting. *** has since contacted our 3-rd party operating system, and they were able to create a patch that allows *** to stop credit reporting on an individual basis. The customer was called and notified that this should no longer report as a negative on her credit.

• Initial Complaint

  10/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company opened a fraudulent account for someone using my ss# with a different name and address. They did not do theyre due diligence in checking that persons information. It appeared as a red flag on my credit report. When I called them they acknowledged my ss# and said they dont have records of the person whose name I gave them or the address, THATS THE WHOLE POINT!!! When someone uses your ss# and gives conflicting information youre not supposed to approve a loan. They also acknowledged the account # that I gave them which means there is an actual account out there with my ss#attached to it. The woman on the phone took a while to get back on the phone with me after acknowledging the report was in fact correct and then proceeded to deny deny deny saying nothing matches with my name. THATS exactly why its called fraud. I believe this whole organization is fraudulent if they cant even check to see if all the information matches before opening an account. I will be contacting my local police department, federal trade commission,IRS, and ss office to report their activity.

  Business response

  10/16/2023

  United Consumer Finance has no record of this individual in our system as an existing or prior customer..

  Perhaps he has *** mixed up with a different lender, like United **************** or United Consumer Financial (this happens often).

• Initial Complaint

  01/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Ive recently have needed to get a new debt card from my bank due to someone getting a hold of my bank account information. i received my new card and wanted to pay my account online by 01/03/23 or it would go to the repossession department of the company. my account page wont allow me to add my new card and only allowing me to add a credit card which i dont have. theres got to be a better system to being able to add cards or better way to pay.

  Business response

  01/04/2023

  United Consumer Finance (***) uses a third-party payment processer named Pay Near Me (***). *** reviewed ************************ account on *** and there are no restrictions as to what payment type (credit, debit, cash or check) that ********************** chooses to utilize. The *** payment history for ************************ account indicates that she called into *** on 1/3/23 and made a debit card transaction. Said transaction, while administered by a *** representative, uses the same *** portal. It appears, whatever issues the *** site was having with her new debit card, has been resolved as evidenced by the successful transaction that was processed on 1/3/23.

• Initial Complaint

  11/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I was going to be 30 days past due for the final payment on my car and I made the payment on time before the 30 days and was informed by the company that it would not be reported past due to the credit bureau, however the company reported me 30 days past due. I even called them after making the payment to ensure that I was all set because they were experiencing telephone issues on the date I made the payment and again I was told that they were aware of the phone issues and I made the payment in the allotted time frame. They still reported me trying to damage my credit rating.

  Business response

  12/02/2022

  ****************,
  I reviewed your pay history and do not see that *** reported to the credit bureaus that your account exceeded 30 days past due. I am not sure why the credit reports are reporting this differently. That said, I just submitted a request to the credit bureaus to update their files to show that your last payment did not exceed 30 days past due. Please be aware that *** cannot control when *********** will update your report, but they usually accomplish the update within 30 days. If, for whatever reason, your credit file is not updated after 30 days, please file a dispute with the credit agencies so this can be investigated. Sorry for any inconvenience this may have caused.
  *** Credit Department

  Customer response

  12/02/2022

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ***************************

• Initial Complaint

  06/20/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I made a payment that is not reflecting on my account but its showing the company has took my money. As a result it caused my vehicle to be repossessed. That is my home for my six-year-old and I. Thats left us sleeping outside. My son has asthma and hes autistic. Ive made several attempts to try to contact the company. The number they have on file. Which only sends you to a voicemail it doesnt matter what prompt you push. I made several attempts and Ive gotten nowhere with the company and how to get my vehicle back with my Sons and I belongings. Also when they repossessed it I spoke with the tow truck driver and he couldnt even tell me where or who is going to have my vehicle to retrieve my belongings or let me retrieve our Belongings from the vehicle as my son needs his asthma machine especially now that were sleeping outside in the heat.

  Business response

  06/22/2022

  We apologize for the inconvenience, but our offices were closed on Monday June 20th to observe the Juneteenth holiday. When we returned to the office on June 21st, we received several of your profanity laced messages. In fact, one of your messages threatened to blow your ******* building up. We have retained that voicemail and are determining whether we should turn that over to the authorities for further investigation.
  We received a payment of $100.00 on June 17, 2022, and this was applied to your account. However, this amount was significantly less than the total past due amount and your vehicle was assigned for repossession. On June 21, 2022, you spoke with our Asset Recovery Manager and he explained the process you need to complete to get your vehicle back.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩