ComplaintsforUGA Finance

• Initial Complaint

  10/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have an account that I have had since January 2023 that included 2 years of no interest. I was almost entirely paid off of the loan with less than $300 dollars remaining. Recently someone hacked my debit card and I was issued a new one. None of my other accounts that were on auto pay were affected but this account was. I received call today asking for a new card which I promptly gave, towards the end of the call I asked what my remaining balance was and they told me they have added over $800 worth of interest to the account because I was late on my payment. I asked why no one called when the card declined and they said they did but I have checked and there are no missed called voicemails or emails. I am willing to provide phone records as proof. I find this extremely predatory and could understand if they charged interest moving forward but they are charging interest for the entirely of the account and technically on payments that have already been made. I asked for a supervisor to call me and he did and said there is nothing they can do. I would like them to waive the interest and I will pay what is owed in full and close the account. I can understand if I willfully did not make the payment, but this seems predatory to me to charge $800 for something being 2 days late. I could even understand if they charged interest on the remaining balance owed but to back charge interest on an account where I have never been late is astronomical and predatory. They never contacted me stating there was an issue.

  Business response

  10/16/2024

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account *** ***** opened to finance her purchases from ********* *** *** *********** *****

  By way of background, *** ***** entered into a Retail Installment Credit Agreement (the “Agreement”) with ********* ** on January 23, 2023. Subsequently, a purchase (or charge) to that line of credit was made. This purchase was eligible for a Special Promotional Financing Offer where no interest would be charged if the amount financed for the purchase was paid in full within the applicable promotional period. Details regarding the requirements of the Promotional Offering were disclosed in *** *****’s Charge Slip. “If you do not pay the full balance of the amount financed for this purchase, interest will be charged from the date of delivery at 24.99% APR (Annual Percentage Rate). Minimum or fixed monthly payments are required.”  Copies of the Agreement and Charge Slip are provided with this response.

  Details regarding the requirements of the Promotional Offering and the total amounts of deferred interest were also disclosed to *** ***** on her monthly billing statements. “Your promotion plan(s) expiration date(s) may differ from your payment due date. To avoid Total Deferred Interest charges, pay your Minimum Payments Due on-time each month and your Balance Subject to Deferred Interest by the promotion expiration date.” A copy of *** *****’s September 2024 billing statement is provided with this response.

  We believe it was clearly disclosed to *** ***** that interest would be charged to her Account from the date of her purchase if the terms of the Promotional Offering were not met. We also believe it was clearly disclosed that minimum monthly payments must be made on-time to maintain the Promotional Offering. *** *****’s payment due September 25, 2024, was not received, as her Automatic Recurring Payment was declined. UAS’s attempted to contact *** ***** by phone on September 30, 2024, and October 1, 2024, but was unsuccessful. *** ***** was not enrolled in eAlerts, so no electronic communications were provided regarding her delinquency. If *** ***** has evidence that refutes the above, we ask that she provide it.

  In conclusion, *** ***** did not meet the terms of her Promotional Offering; thus, all accrued interest was then charged to her Account. Considering the above information, we believe UAS followed its standard business procedures with the above matter.

• Initial Complaint

  09/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The sales representative at ********* called me to inform me of a deal they were running. In order to get the discounted rate I was advised to create an account with this third party crediting/loan service, which at the time was not explained to me whatsoever. It has been almost a year and I am still tied to paying large sums every single month to this loan service.

  Business response

  09/20/2024

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as the third-party billing service provider for the Account *** ****** opened to finance her purchases from ********* ******* ***** ***. (“LaserAway”).

  By way of background, *** ****** entered into a Retail Installment Credit Agreement (the “Agreement”) with ********* on October 6, 2022. Subsequently, a purchase (or charge) to that line of credit was made. A copy of the Agreement and Charge Slip *** ****** executed are provided with this response.

  As of September 5, 2024, *** ****** has paid off her Charge and has a balance of $0.00 on her Account. *** ****** has not escalated informed UAS of any issues throughout the life of her Account. If she has issues regarding LaserAway’s products/services or UAS’s billing practices, we request she provide additional as to what has occurred.

• Initial Complaint

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I viewed my account with Universal Account Services on August 6th, where it was shown that I had a payment with a due date of 9/2/2024, and I made a payment for the minimum balance due of $434.15. I went and checked again on August 16th, and the minimum payment was still showing due, despite the full $434.15 already paid and left my checking account, paid to them. with the same payment due date. I placed a support ticket through their web portal and it was stated that "The last payment made on the account is already reflecting in transactions for 8/6/24 and account is current as of today. If you have additional questions, please call our billing department at [phone number] for assistance", and promptly closed. I attempted today to call their phone number, spoke to 3 representatives, to be told that billing cycles are offset from the due dates, where my payment was posted on the last day of the cycle. There was nothing to signal to me when making the payment on 8/6 that the $434.15 was going to be applied to the previous billing cycle. If I made payment when new minimum balance due is shown, any payment should be applied to the shown minimum amount due. I was informed by representatives that I should have checked the statement dates to see when the billing cycle ended before paying. There should be something showing when making a payment in this overlap area between when payment is due and when billing cycle ends, telling the payee that this payment will not be applied to the current minimum balance due shown. Including statements UAS Billing *************** and UAS Billing ***************, showing that payment was applied in UAS Billing *************** on the date of 8/6, and UAS Billing *************** showing that due date was 8/2. During the phone conversations, I requested that this $434.15 payment made on 8/6 be moved and applied to current billing cycle, but this was refused. Systematic changes would also be appreciated for future use for others.

  Business response

  08/29/2024

  Thank you for allowing Universal Account Servicing, LLC ("UAS") to address this matter. *** ******* opened a dispute regarding this same issue with UAS directly. The matter was reviewed by the UAS Compliance Department, and we believe a satisfactory resolution was provided. The payment *** ******* made on 8/6/2024 was credited during his billing cycle beginning 7/7/2024 and ending 8/6/2024. As he had already made previous payments that met his required monthly payment amount due, the overpayment was applied to his principal balance. However, it is not UAS's policy to advance overpayments to monthly due dates in future billing cycles unless requested by the consumer. As such, he was still for his monthly payment on 9/2. After further review, we identified it was *** *******'s intent to have this overpayment applied to his 9/2/2024 due date, and UAS has since made that update. His next monthly payment is due 10/2/2024.

  In the event *** ******* makes a future overpayment that he wishes to be applied toward a future due date, we ask that he contact UAS directly at (866) 809-3515 or support@ugafinance.com to ensure this is processed. 

  Customer response

  08/29/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  07/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had an account through UAS as they serviced a company ******* ******. I learned that the stated company was just stealing money from anyone that signed up. I requested my UAS account be closed and the money be refunded. UAS closed my account on 04/08/2024 and told me I should be receiving a letter in the mail about my refund within 30 days as "Another department will be taking care of it." It is now 07/19/2024 and still nothing on this other "department" they can't say the name of. Any time I call I am immediately shut down with the customer service telling me there is nothing they can do as the account it closed. If I do manage to get the conversation further they look a few things up and tell me I should be receiving a call soon. Is there a reason UAS doesn't know the company that should be refunding me?? This is a $6,000+ refund and I'm getting no information on anything.

  Business response

  08/01/2024

  Thank you for allowing Universal Account Servicing, LLC (UAS) to assist with this issue. For introductory purposes, UAS is located in Parkville, MO and operated as a third-party billing service provider for this Loan on behalf of U.S. Credit, Inc. (USC). USC provides services which allowed *** **** to open a Loan with First & Peoples Bank and Trust Company (FNP) to purchase services from ******* ****** Inc. (PR). Please note, UAS was solely the third-party billing service provider for your Loan. UAS is not a creditor for your Loan. UAS is not affiliated with USC, FNP, or PR, respectively.

  Please note, USC has filed for Chapter 11 Bankruptcy. UAS is in direct contact with the Bankruptcy Trustee and is making determinations regarding the handling of all Loans UAS is/was servicing on USC’s behalf, including *** ****’s. Although we have closed *** ****’s Loan in our office, we have reengaged USC to determine who the future servicer of your Loan is. We will provide additional information regarding the future servicer of your Loan once it is received.

  Customer response

  08/01/2024

  
  Complaint: ********
  
  I am rejecting this response because: I have been calling non stop for 3 months now and when I contact customer service they have no answers for me. I really do appreciate you reaching out to me and I will mark this as a satisfied response when I have received more info on my refund. The response you gave me has given me more detail but still feels like the run around that customer service has been doing.

  I would also like to mention that ******* ****** appears to be a scam company. I won't go into much more detail, as this is mainly about my refund, but I would urge UAS to stop working with this company if at all possible.

  I really do appreciate the response and would like to continue moving forward.

  
  Sincerely,
  
  ***** ****

  Business response

  08/15/2024

  Thank you for allowing UAS to further address this matter. We have engaged USC for further information as to who *** **** may contact regarding a refund on this Loan. We were informed by USC that their contact for refunds is ******* ********* with ******* ****** is a partner of USC's who facilitated the origination of *** ****'s Loan. It is our understanding that ****** has a relationship with Merchants partnered with USC, such as ******* ******. *** ********* can be contacted by email at d************************** or by phone at  ************. If *** **** has any difficulty establishing contact with *** *********, we ask that he contact UAS by email at compliance@ugafinance.com to provide additional assistance. 

• Initial Complaint

  06/26/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  *We got merchandise. *We paid $1,294.20. *Health issues, allergy rash caused us to request closing/cancelling our contract and receive a refund. *The merchant said she would get the account closed/cancelled, but we would need to return both items with the return label in order to get the refund. *we returned both items. *company refunded for the small unit. *company decided they would take the returned bigger unit, but NO refund was granted. *We paid for an item, we returned the item and is not in our possession, and now we don't have the merchandise or our funds. *The amount to be refunded was promised to us, upon return of both items

  Business response

  07/05/2024

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operated as the third-party billing service provider for this Account.

  UAS was not initially informed of the need to process a refund in addition to cancelling this Account. However, UAS was subsequently notified and a refund check for $1,294.20 was processed on July 2, 2024. It will be mailed to *** ********** address on file. We ask that *** ******** allow up to 15 business days to receive her refund check.

  Business response

  07/05/2024

  As stated in our previous response, UAS has processed refund check for $1,294.20 which will be mailed to *** ********** address on file. We ask that *** ******** allow up to 15 business days to receive her refund check. This action seems consistent with the desired resolution. However, we ask that *** ******** provide additional detail if that is not the case. 

  Customer response

  07/08/2024

   
  Complaint: ********
  
  I am rejecting this response because: I do not trust what they are saying or telling me. I am not rejecting or accepting the response...but need to know...has the check been sent out already. I will not accept the business response until i know that it has been sent and can they provide a tracking number. I do not trust this company to do what they said they would. I got an email saying they would refund the amount of $1,294.00 and then got a different email saying they were refunding the $3,342.13 amount.  Then they have said "we have sent a check out on July 2nd". In another sentence, "we will be sending a check". This is why I don't trust what they are saying and will not accept anything they say and I need to know: 1) amount being sent, 2) tracking and check number.  

  
  Sincerely,
  
  ***** ******** ********

• Initial Complaint

  05/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Took out a loan of $5k on 1/22/23 that had a promotional period of 18 months of which I would not be charged interest if paid in full. I had it the payments on auto pay so that a payment would never be missed an purposely set it up for the amount to equal $5,000 at the end of the 18 month period. on 10/22/23 my checking account was hacked and my bank had to close it and give me a new account. This happened to coincide with the October payment and the October 22nd payment ended up being returned to UAS. They never notified me of the returned payment. As soon as I got my new account number, I went into UAS and changed the payment information and the payment was made on 10/30/24. The agreement that I signed states that a fee will be assessed for returned payments or late payments but does not state that the promotional period expires and they tack on 19% interest! This is unacceptable and I should have been notified of the returned payment and an exception should have been made since my account was in good standing and a payment was never missed on the account. I would request that the $847.82 in interest that they charged me be refunded.

  Business response

  06/05/2024

  Thank you for allowing Universal Account Servicing, LLC (UAS) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as a third-party billing service provider for retail sellers and/or lenders that are partnered with U.S. Credit, Inc. (“USC”). USC serves as a financial intermediary, providing certain services which enable retail sellers, such as The Fit Blonde LLC (“TFB”), to permit their consumers to purchase products and/or services through the use of consumer loans, originated by bank and non-bank lenders, such as First & Peoples Bank and Trust Company (“FPB”). FPB is the initial creditor on *** *********s Loan. UAS is not affiliated in any way with any retail sellers or lenders with whom USC has contracted to serve as a financial intermediary, including TFB and FPB, respectively.
  By way of background, *** ******** entered into a Loan Agreement (the “Loan”) with FPB on January 19, 2023, to purchase services from TFB. The Loan offered a Special Promotional Financing Offer where any and all interest that accrued from the Disbursement Date of the Loan would be waived if the Amount Financed was paid in full within 18 months of the Disbursement Date. *** *********s Loan was financed for an amount of $5,0000.00 at an APR of 19.99%.
  Details regarding the requirements of the Promotional Offering and the total amounts of deferred/non-assessed interest were disclosed to *** ******** on her monthly billing statements, “To avoid paying interest that has accrued but has NOT been assessed to your Account, you must pay the entire Remaining Amount Financed within the Promotional Period, and you must, at minimum, pay each of your Scheduled Monthly Payments on-time each month.”
  *** *********s payment due October 22, 2023, was returned as “Account Closed” on October 30, 2023. This caused the October payment to be more than 7 days delinquent which in turn terminated the promotional offering. The consumer did not make their next payment until November 1, 2023. The AutoPay Agreement *** ******** completed on 10/26/2023 was for the next due date of November 22, 2023.
  Redacted copies of the Loan, the billing statement due October 22, 2023, and the Automatic Payment Authorization forms from January 25, 2023, and October 26, 2023, are attached.
  *** ******** did not meet the terms of her Promotional Offering; thus, all accrued interest was then assessed to her Account. Considering the above information, we believe UAS followed its standard business procedures with the above matter.

  Customer response

  06/05/2024

  
  Complaint: ********
  
  I am rejecting this response because: UAS never contacted me via email or phone to tell me that the payment made on 11/1/23 was not going to be applied to the October payment.  They also did not contact me via email or phone stating that the payment was returned and I have no record of the payment being returned on my bank statements because my bank had closed my account and issued a brand new account.

  I had my payments set up on auto pay so they were paid automatically so unless they sent a notice, I would not have known.  I had this issue happen with a couple of other credit card companies and all of them understood the unusual circumstances and made an exception and didn't charge me interest or a late fee!  Only this company charged me interest and on top of it never notified me of what they were doing!  

  Sincerely,
  

  **** ********

  Business response

  06/14/2024

  *** *********s payment due October 22, 2023, was returned as “Account Closed” on October 30, 2023. An e-alert was sent to the consumer on October 31, 2023, notifying the consumer of the payment non-sufficient funds.
  
  *** ******** deleted her original payment method on October 26, 2023, and created the new payment method on October 26, 2023; however, the consumer did not authorize payment until November 1, 2023, which was beyond her payment due date of October 22, 2023. As stated in our previous response, details regarding the requirements of the Promotional Offering and the total amounts of deferred/non-assessed interest were disclosed to *** ******** on her monthly billing statements, “To avoid paying interest that has accrued but has NOT been assessed to your Account, you must pay the entire Remaining Amount Financed within the Promotional Period, and you must, at minimum, pay each of your Scheduled Monthly Payments on-time each month.”
  
  The AutoPay Agreement *** ******** completed October 26, 2023, clearly stated that the payment would automatically be made out on the next due date of November 22, 2023.
  
  *** ******** did not meet the terms of her Promotional Offering; thus, all accrued interest was then assessed to her Account. Considering the above information, we believe UAS followed its standard business procedures with the above matter.

• Initial Complaint

  04/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The ONLY reason I chose to go with LaserAway is cause UGA(serviced through UAS) is because they offered 0% interest if paid in 24 months. Instead of $138 I have been paying $205 monthly to pay off in the 24 months. UGA, LaserAways partnered lending company has been nothing but absolute hell to work with and get help by. Their customer service is rude & they don’t take ownership. I have had to re-set up my autopay 9 times(screenshots of proof included) within less than 2 years because it keeps turning off on their end, this has nothing to do with my bank account as all of my other autopay with other bills has been successful & through contacting my bank no issues on my end, yet they won't take ownership. One month it turned off and even after receiving an email confirmation from UAS(UGA) that the funds were drafted successfully, the funds indeed did not come out and they told me I lost the 0% interest promotion & that in order to get it back LaserAway would have to approve. In working with LaserAway who will not respond since December on this matter they have said UGA has to approve it. This is so messy and back & forth. UGA pulled my credit score at 849! I am NOT one to miss a payment in my whole life with credit and I can prove that there was nothing wrong with my bank account at the time of that autopay being turned off and all the other times for that matter. After looking up UGA(UAS) & LaserAway reviews I found that another person had experienced the exact same thing. Stay clear of financing with them unless you don’t mind a mess.

  Business response

  05/20/2024

  Thank you for allowing Universal Account Servicing, LLC (UAS) to address this matter. For introductory purposes, UAS is located in Parkville, MO and operates as a third-party billing service provider for this Account.

  By way of background, Ms. ******** entered into a Retail Installment Credit Agreement (the “Agreement”) on October 12, 2022, to purchase services from LaserAway US, LLC (dba Laser Away Salt Lake City). Subsequently, two purchases (or charges) to that line of credit were made. Per the terms of the Agreement and executed Charge Slips, minimum monthly payments were required to maintain her Promotional Offerings. As noted on the Charge Slips under the “NOTICE – SPECIAL PROMOTIONAL FINANCING OFFER” section, “You understand that this is a Special Promotional Financing Offer in which interest is DEFERRED for the promotional period. Failure to pay the amount financed for this purchase by the end of the promotional period will result in interest charged from the delivery date being applied to your account balance. This IS NOT a No-Interest Purchase. MINIMUM MONTHLY PAYMENTS ARE REQUIRED.”

  Details regarding the requirements of her Promotional Offerings and the total amounts of deferred interest were disclosed to Ms. ******** on monthly billing statements mailed to the address associated with her Account, “To avoid Total Deferred Interest charges, pay your Minimum Payments Due on-time each month and your Balance Subject to Deferred Interest by the promotion expiration date.” Copies of the Agreement, Charge Slips, and monthly billing statement are provided with this communication.

  Ms. ******** initially enrolled in automatic recurring payments with a Checking Account ending in ****. However, her first automatic payment initiated on November 11, 2022 was returned as “No Account/Unable to Locate Account”. *** ********** promotional offering was terminated. However, UAS agreed to reinstate *** ********** promotional offering at that time given it was her first payment. She subsequently added a new payment method, a Debit Card ending in ****, and enrolled that payment method in automatic recurring payments. That payment method subsequently Declined on July 11, 2023. Ms. ******** then added another payment method, a Debit Card ending in ****. A one-time payment was made to keep her promotional offering, and that payment method was subsequently enrolled in automatic recurring payments. On October 11, 2023 that payment method subsequently Declined, but again Ms. ******** initiated a one-time payment to keep her promotional offering. However, Ms. ******** did not re-enroll in automatic recurring payments and missed her November 11, 2023 due date. UAS attempted to contact Ms. ******** via phone and provided her an email alert regarding her delinquency. She then attempted a one-time payment using her initial payment method, the Checking Account ending in 6108, which had already been returned as “No Account/Unable to Locate Account”. It was again returned as “No Account/Unable to Locate Account”.

  As such, *** ********** monthly minimum payment was not received by her November 11, 2023 due date. She therefore did not meet the terms of her Promotional Offering. Thus, all deferred interest was then assessed to her Account. Upon review, the declined and returned payments were not the result of a system error on UAS’s part. Considering the above information, we believe UAS followed its standard business procedures in the above matter.

• Initial Complaint

  04/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In 2019, I purchased a scenting machine from ********. I signed a contract with UAS (********'s billing company). This was a 36 month contract that included a monthly scented oil subscription. In late 2022, the 36 month contract ended. In January 2023, I was emailed by the same rep from ******** asking if I would like to continue my oil subscription to which I replied "yes." She told me that the oils would be sent monthly for a flat rate of $100.08 to which I agreed. She sent the paperwork for the "auto payment" through Docusign and I signed it on February 1, 2023. A few months later, we moved and underwent a major home renovation and I was unable to use my scenting machine. September 2023, I reached out to ******** to cancel my subscription / autopay but was unsuccessful in getting my account canceled (I have also filed a complaint with the BBB and the Attorney General's office toward ******** for their negligence in this matter). Finally in October they said it had been canceled. However, each month I was being charged for the oil subscription but since we have moved, I have not received any oils. I contacted ******** several times to solve this issue. I also sent an email (per the instructions on the contract from UAS) to UAS on December 6, 2023. Countless phone calls and hours. As of April '24, my account has now gone to a debt collection agency because I am no longer paying and UAS claims I owe over $3100.00! I have already paid over $5K to this company over the past 5 years. I have been a loyal customer of both ******** and UAS and all I want to do is be done! I am unable to use the product anymore and I have tried multiple different ways and times to cancel my account and solve this issue. I have the right to revoke payment authorization according to the document I signed. I have no other documents from UAS to reference. I will also be filing a complaint with the AG's office toward UAS as well as filing a complaint with the CFPB. Do the right thing, UAS!

  Business response

  05/20/2024

  Thank you for allowing Universal Account Servicing, LLC (UAS) to address this matter. For introductory purposes, UAS is located in Parkville, MO and was the third-party billing service provider for this Account.
  
  By way of background, ******* ******* (the “borrower”) entered into a Retail Installment Credit Agreement (the “Agreement”) on October 27, 2019, to purchase services from ******** ***. Subsequently, two purchases (or charges) to that line of credit were made. The first charge was made on October 27, 2019, to purchase a 36-month supply of oils. That charge was paid in full on October 24, 2022. On February 1, 2023, the borrower made a second charge against their line of credit to purchase an additional 36-month supply of oils from ******** ***. A copy of the borrower’s Agreement Packet and second Charge Slip are provided with this response.
  
  Shortly after making the second charge, the borrower stopped making payments toward their Account. The borrower opened a Support Ticket with UAS where ******** *** was engaged. ******** *** informed the borrower they were outside of their product cancellation/return window and would be required to continue making payments. The borrower did not make any additional payments toward their Account and were considered in default due to non-payment. Section 2. YOUR PROMISES TO US and Section 9. EVENTS OF DEFUALT; REMEDIES. of the borrower Agreement were not honored. UAS acknowledges the borrower has the ability to revoke an consent for Automatic Recurring Payments, but they are still obligated to meet the terms of their Agreement for purchases made. They did not, and the Account was subsequently closed and exited by UAS.
  
  As previously stated, UAS was the third-party billing service provider for this Account. It has since been closed in our office. We ask that any future inquiries regarding their Account be directed to the debt collection agency referenced in their complaint. We believe UAS followed its standard procedures in regard to this matter.

• Initial Complaint

  03/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have had autopay on for the life of the loan ($9,800 on 09/28/2022, promo period of 18 mos.) and on February 15 I scheduled a payment of $6,101.48 to pay the loan off on 3/30/2024. I left the autopay settings as they were and expected the March 1 payment to be withdrawn as usual. I got a letter on the 12th that stated I had missed the 3/1 payment and the promo was "early terminated". Then, of course, the interest was added and my account shows I owe $8,651.77. I called uportal360 on 3/12 at ************ to get information about why the autopay was not withdrawn and the representative, Jeanette, said there are some inconsistencies between my account and the paperwork. She promised to verify. She got back with me and stated there is "another system" she looked through that showed I had chosen the option to pause the autopay payments when I put in the payment on 2/15/2024 fo r$6,101.48. I stated that is not clear and why I would pause autopay since the new payment is clearly the balance (at the time) minus the 3/1 payment ($6,319.04-$217.56=$6,101.48). Just that clear math suggests I did plan to have that payment be taken. I would have checked my work at the time. I want back on the interest free loan. I want the interest erased and my credit reputation and score unaffected. I want the 3/17/2024 payment of $217.56 applied to Principal, not applied to Interest. And I want you to investigate them for fraudulent practices.

  Business response

  03/26/2024

  Thank you for allowing Universal Account Servicing, LLC (UAS) to assist with this matter. Upon further review, *** ******** ***** AutoPay did not run because he had a pending payment transaction on his Account. However, given *** ******** ***** intent to pay his remaining principal balance in full prior to his promotional period expiration date, with the assumption his AutoPay would run, UAS has agreed to reinstate his promotional offering. Any previous payments *** ******** *** made that were applied toward interest have been reallocated to his principal balance. As of today, *** ******** **. has made $9,800 in payments toward his Loan, equivalent to his amount financed. All payments were applied to his principal balance and his Loan is Closed as Paid in Full* *** ******** *** may access his Account online at ************** to review additional details regarding his Loan. Additionally, UAS did not report any payment history information regarding *** ******** ***** Loan, positive or negative, to any credit reporting agency. 

  Customer response

  03/26/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******** **

• Initial Complaint

  03/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hi, I want to cancel my loan payments for laser hair removal with ***** *****  I was trying to cancel during the cool down period but the company told me illegally that I could not. I have never used a service and I keep getting billed. I would like my money back. Thanks, ******* ******

  Business response

  03/28/2024

  Thank you for allowing Universal Account Servicing, LLC (UAS) to assist with this matter. *** ****** opened a Support Ticket with UAS directly on 3/14/2024. That Support Ticket ** ********* was consistent in nature with the complaint and request *** ****** levied here with the BBB. In response to that Support Ticket, ********* has agreed to close *** ******** Account in full, as requested. UAS is in the process of closing *** ******** Account, and a refund check for any applicable amounts will be sent via **** *********** **** ** *** ******** address on file within the next 5 to 10 business days. *** ****** may access her Account online at ************** to review the status of her Support Ticket and/or Account. 

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