ComplaintsforUGA Finance

• Initial Complaint

  08/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Universal Acct. Servicing (UAS) took over my account in March,2023 with a 0% promo for 24 months. I received statements for April, May, and June but nothing for July. In August, I received a statement for the two months with an interest charge for $804.27. I called UAS when I got the bill and was told the reason I didn't receive July's statement was because UAS doesn't have my address even though they sent me 4 statements and every check I sent them has my address on them. I believe this to be a cheap and fe**le attempt to expire the promotion and collect $804.27 in interest.

  Business response

  09/06/2023

  For introduction purposes, Universal Account Servicing, LLC (“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 **** ******* **** (“***”). *** serves as a financial intermediary, providing certain services which enable retail sellers, such as **** ***** ******* ****** (“**”), 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 ***** * ******* **** *** ***** ******* ******** *** is the initial creditor on *** ******** ****, while ******* **** was the previous third-party billing service provider. UAS is not affiliated in any way with any retail sellers or lenders with whom *** has contracted to serve as a financial intermediary, including ** and ***, respectively.
  
  By way of background, *** ****** entered into a Loan Agreement (the “Loan”) with First & Peoples Bank and Trust Company (“***”) on January 14, 2022, to purchase services from **. A copy of the Loan is provided with this response. 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 $4,100.00 at an APR of 19.99%. If *** ****** paid that amount within 18 months of the Disbursement Date of his Loan, which was July 19, 2023, any and all interest that accrued against his outstanding principal balance at 19.99% would have been waived. However, *** ****** did not pay off this amount within his promotional period. As such, all accrued interest since the Disbursement Date of the Loan was assessed to his Account.  
  
  To the best of our knowledge, *** ****** received his June 21, 2023 billing statement which listed a July 18, 2023 Schedule Monthly Payment Due Date along with a July 19, 2023 Promotional Period Expiration Date. This billing statement provided details regarding his Promotional Offer and the status of his Account. These details included: 1) the expiration date of his promotional offer; 2) his remaining balance to be paid in full; 3) his deferred/non-assessed interest charges for the billing period; and 4) his total deferred/non-assessed interest charges. A copy of this last billing statement *** ****** received prior to the expiration of his Promotional Offering is attached with this response.
  
  It appears that *** ****** may not have received his July 21, 2023 billing statement as it was returned by the USPS as undeliverable. However, to our knowledge, he had received his June 21, 2023 billing statement informing him that he would need to pay his remaining principal balance before 07/19/2023 to maintain his promotional offering. 
  
  *** ****** did not meet the terms of his Promotional Offering; thus, all accrued interest was then assessed to his Account. Details regarding the requirements of his Promotional Offering and the total amounts of deferred/non-assessed interest were disclosed to *** ****** on his monthly billing statement. Considering the above information, we believe UAS followed its standard business procedures with the above matter.
  

• Initial Complaint

  06/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I attempted to cancel this billing and was unable to do so. Universal Accounting was contacted for billing cancellation. I was not contacted by Universal Accounting Services until my bill was overdue. I have not made any payment to Universal Accounting Services. Please cancel my account and provide proof Universal Accounting agreed to cancel.

  Business response

  06/30/2023

  Thank you for allowing Universal Account Servicing, LLC (“UAS”) to assist with this issue. UAS is a third-party billing service provider located in Parkville, MO. We are working to engage with Thought-Leader to obtain further information around cancellations and detail regarding potential fulfillment of *** ****** services. If *** ***** has additional information or documentation that supports her claims, please have her share them with UAS via email at compliance@ugafinance.com or by logging into her Account at ************** and attaching them to Support Ticket # ********. We will await further information/documentation from Thought-Leader and/or *** ***** in order to reach a resolution.

  Customer response

  06/30/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because: I do not have any additonal documentaiton to give present. 
  
  Regards,
  
  ****** *****

  Customer response

  08/01/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because: The time frame for which I was able to cancel was not clear to me.
  
  Regards,
  
  ****** *****

  Business response

  08/29/2023

  Thank you for allowing Universal Account Servicing, LLC ("UAS") to assist with this issue. As previously stated, UAS is solely the third-party billing service provider on *** *****' Account opened to purchase goods and/or services from Thought-Leader. FinMkt, the origination platform used to open *** *****' Account, is currently working with Thought-Leader to reach a resolution that will fully address *** *****' concern. They have informed UAS that a resolution should be reached by this Friday, 9/1. Any updates will be communicated to *** *****. 

• Initial Complaint

  05/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On September of 2022 I purchased a ****** * ******* financed thru Universal servicing LLC on line I been paying on line never late. I pay 106.01 a month as payment in Jan I Was charged a late payment for a penny that they did not add on payment We call they refunded me the money 15.00 after I keep complaining I decided to pay on line March payment on time 106 .01 April I got my statement saying That I was late I called they said to go ahead and pay the 121.01 they would refund another 15.00 to my bank They didn’t .Now they say my interest rate is going to be @30 percent because I have a large balance I started at 21 percent He Told me 43.00 goes to interest the rest to bal in Jan was 2646.36 Now in May 2401.30 What is go on

  Business response

  05/19/2023

  Thank you for allowing Universal Account Servicing, LLC (UAS) to assist with this concern. *** ******* payment on December 7, 2022 was authorized for $106.00. However, *** ***** is due for $106.01 monthly. As such, our system recognized his Account as past due, and he was subsequently charged a late fee of $15. Once this was identified, we realized *** ***** attempted to make a full payment and keep his Account current. Thus, at his request, the late fee of $15 was refunded to his payment method on file.
  However, the timing of these transactions made it appear *** ***** was still delinquent in a subsequent billing cycle, and another late fee of $15 was assessed. We identified this issue and waived the fee on his Account. *** ***** paid an additional $15 on his monthly payment. However, because this fee was waived, that excess $15 was applied to outstanding interest and principal on his Account.
  As of today, *** ******* Account is current, no fees have been assessed, and his interest rate remains at 21%. As he stated, the first late fee was refunded to his payment method on file. His second late fee was waived, and the additional $15 on his monthly payment was applied to any outstanding interest and principal on his Account. If *** ***** would prefer, we refund that $15 to him, and not have it credited toward his Account, we are happy to do so at his request.
  Additionally, UAS has procedures in place to identify scenarios similar to *** ******* moving forward. In the event a payment is received that, for whatever reason, is reasonably close to the amount due, those Accounts will be identified and resolved accordingly.
  This issue should not occur again if *** ***** continues to make his minimum monthly payments, which he has done to this point. If any other issues or concerns regarding his Account arise moving forward, please have *** ***** contact UAS at ************************* and *******************************, so we can assist him promptly.  

  Customer response

  05/22/2023

  [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 made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  Regards,
  
  ** *****

• Initial Complaint

  03/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  An account with Universal Account Servicing LLC was made for me as a third party billing company to pay for services/treatments received from ********* ******* ***. Unfortunately I did not get my scheduled treatment from ********* and received horrible customer service on 2/14/23. I informed the ********* account specialist that set up my account that I no longer wanted to use ********* treatments. A week later I informed Universal Account Servicing about my revocation of treatments and wanted to cancel the account with Universal Account Servicing. I was told by their representative that they had to receive this cancellation from ********* and only stopped the AutoPay service. According to email correspondence with Universal Account Servicing they weren’t notified by ********* until 3/3/23; and in the meantime have been continuing interest charges and late fee charges. I have not received any treatment from ********* since 1/27/23. In an attempt to close all debts and cancel the account I was willing to pay for services/treatments received however I was never given an itemization of charges and Universal Account Servicing insists I pay the balance they have for me including interest rates and late fees. I do not agree to pay interest or late fees due to the time lapse between Universal Account Servicing and ********* correspondence. I was trying to mitigate any further charges than what I owed for treatments I received. I only received 1 clear and brilliant treatment and 1 laser hair removal treatment. I have paid 1 payment of 122.58 February 1st 2023. I am requesting help to have a transparent invoice or itemization of the balance I owe and not be charged any interest or late fees.

  Business response

  04/05/2023

  Thank you for allowing Universal Account Servicing, LLC (UAS) to assist with this issue. *** ******* informed UAS of her intent to cancel any future services from ********* on February 21, 2023. As is our standard procedure, we requested *** ******* contact ********* to have them verify no future services would be rendered. Subsequently, the balance on *** ******* account was reduced on March 3, 2023 (8 business days after her complaint was escalated to UAS) to account for the reduction in services she received. ********* has provided UAS with an itemized list of the services *** ******* received, and that communication is provided with this response. Interest charges and a late fee were assessed to *** ******* on March 11, 2023. This occurred because *** ******* failed to make her monthly payment due March 1, 2023 within her 10 day grace period, terminating her promotional offering and assessing a late fee. While we understand *** ******* would not receive all of her services, she is still required to make payments for services rendered. While we believe UAS handled *** *******' issue timely and appropriately, we understand the resolution to her issue was provided after her due date of March 1, 2023. That potentially resulted in *** ******* missing her payment and having interest and fees subsequently assessed to her account. As such, UAS agrees to remove any interest and fees assessed to *** *******' account. As of today, she has paid $997.80 in total, which is equivalent to the cost of the services she received. UAS will adjust and close *** *******' account, and will contact her via phone and/or email once this is completed. 

  Customer response

  04/07/2023

  [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 made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. UAS may contact me via US mail. Thank you for your help!
  Regards,
  **** *******

• Initial Complaint

  02/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  They charged my account without permission and when I asked why and had proof they said they weren’t give my money back or credit my account. They says they charged my account on February 18th and processed but I had an oddments taken out today on the 22nd. Then I was verbally disrespected when I tried explaining the situation from my bank as well. My bank has no post from the 18th. When I asked for a supervisor they refused and hung up. I had to call back

  Business response

  02/24/2023

  After further investigation, Universal Account Servicing, LLC (UAS) determined the payment was not initiated internally by UAS. However, as the consumer claims they did not authorize the transaction, we have issued a refund for the transaction in question on 2/22/2023 to the consumer's payment method on file. Please note, the refund may take up to 7 business days to appear on the payment method. We believe this meets the consumer's requested resolution. 

  Customer response

  02/25/2023

  [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 made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  Regards,
  ******* *******

• Initial Complaint

  01/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My account # ******** in December of 2022, I called to get my delinquent account brought current. On that day I spoke to a Supervisor that stated the amount needed to bring account current and I agreed to pay that amount, on that day. We also agreed to the monthly payment amount and the date of that monthly payment. I gave him my bank information,( to set up automatic payment since I had been behind) and believed that I was current and my next monthly payment would be on January 14, 2023, as this was our agreement. On January 14, 2023 the payment came out of my bank account as agreed. Then on January 20,2023 they took out an unauthorized payment. So today January 23, 2023 I recieved an email, stating that my account is past due and I'm being charged a late fee, so I called. They proceed to tell me that my account is past due and I need to make a payment today in order to bring my account current. And that is the only way for me to get my account current, otherwise I will continue to be late and accrue late charges.

  Business response

  01/24/2023

  Thank you for allowing Universal Account Servicing to assist with the issue.  In December the consumer called in regarding the past due amount and was offered a hardship to bring the account current without paying the full past due amount. The consumer agreed and paid the agreed amount and enrolled in autopay. Unfortunately there was an error and the account was not raged and reflected past due causing the autopay to run on 1-4-2023 and again on 1-20-2023.  The account has ben corrected to reflect current and the additional payment was applied to the February due date.  AutoPay will next process on 3-14-2023 for the minimum payment amount. All late fees have been waived due to the error, and UAS is a non-reporting agency the credit bureaus have received any derogatory remarks. 

• Initial Complaint

  01/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Being charged double every month! Contacted Universal Account Servicing and ***** *** over a dozen times to fix it. Still hasn't been fixed. Have been trying to get this resolved since November. Every month I am being charged DOUBLE! FRAUDULENT COMPANY. THIS IS RIDICULOUS.

  Business response

  01/26/2023

  Thank you for allowing Universal Account Servicing (UAS) to address your concern, UAS is a third-party billing provider for ***** *** and does not alter the contracted agreement.  Support Ticket ******** was opened to engage the Merchant on the consumers behalf, and to our understanding the merchant and consumer have executed a rewrite to set the payments at the agreed upon amount. 

• Initial Complaint

  12/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Universal Account Services took over accounts from ***** ** as of 8/30/2022. My account from ***** ** was paid off as of 8/23/2022. I have been calling Universal since the beginning of December 9,2022. On 12/14/2022, I spoke with ******** ****** at 508-827-4089 about who told me the account would be cleared, however, it still shows a balance of $125.48 due to Universal. I have called Universal on December 12th and 20th. Unfortunately, they still show I owe a balance that is over 90 days past due. I have provided proof from ***** ** as well as emails sent to Universal. I have also received harassing phone calls from this company. My next step is to contact a lawyer because this company is fraudulently asking for money that is not owed to them. Their representatives believe the company's fraudulent practices and not the customer who has provided proof of payment. I have every right to be upset especially since the account was paid in full as of 8/23/2022. It prevents me from getting repairs on my car because it shows that I have an outstanding balance due on my credit but it was paid in full as of 08/23/2022. All those payments were made on time and were directly taken from my account.

  Business response

  12/28/2022

  Thank you for allowing Universal Account Servicing to assist with this issue. Universal Account Servicing is a third-party billing provider, and received this agreement on 8-30-2022 with a remaining balance of $125.48.  On 12-9-2022 the consumer advised UAS that the agreement had been resolved with the previous servicer and Support Ticket ******** was created to resolve the issue.  On 12-14-2022 UAS received notice that the account had been resolved with the previous servicer, but unfortunately the Support Ticket was closed in error.  On 12-28-2022 the account has been closed as paid in full and reflects a zero balance with UAS. 

• Initial Complaint

  12/24/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Universal Account Servicing is a fraudulent company that provides the "financing" for a company called ********, another company I recently filed a BBB complaint with. I've requested to cancel my subscription and requested to see a voided agreement, but have not heard any communication from the company. Now that they have access to my sensitive account information, I worry significantly about fraud. I need a copy of my VOIDED agreement and to ensure no future charges will be made to my credit card and/or impact my credit.

  Business response

  12/27/2022

  Thank you for allowing Universal Account Servicing (UAS) the opportunity to assist with your issue.  Universal Account Servicing is the third-party billing provider for ***** *** and does not have the ability to cancel the contracted agreement.  On November 18th 2022 ****** entered into an agreement with ***** *** for products and services provided for by ***** ****  On 12-16-2022 UAS received an email from the consumer requesting to cancel. Support Ticket ******** was created to engage ***** *** on the consumers behalf. ***** *** has been notified and has 15 business days to respond to the issue.  Universal will provide details once a resolution has been provided. 

• Initial Complaint

  11/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Aroma 360 who does business with Universal account services is a FRAUD. They setup a subscription for you to order oils in conjunction with a machine. I was lied to about interest and they are not full filling their agreement with sending me my oils. They are not following through with what has been promised.

  Business response

  12/02/2022

  Universal Account Servicing is a third-party billing provider for Aroma 360. The foundation of Aroma360 is built on two primary principles — to provide a healthy scenting solution for homes and businesses, and to educate people about the incredible benefits of Aromachology.  Universal Account Servicingh created Support Ticket ********* on 11/29/2022 9:08 AM,to engage Aroma 360 on the consumer’s behalf to address the issues:

  Which Option Best Describes Your Issue?: *I am having difficulty returning or canceling my purchase*
  If Other - Please Describe in More Detail: **
  When did this issue start?: *2022-11-29*
  When did you last speak to someone about this issue?: *2022-11-29*
  Who did you last speak to about this issue?: *charlie *
  What is your desired resolution for this issue?: *The consumer is requesting cancel ************ due to does not want services The best email address to follow up with is ******************** *
  
  Best Phone Number: ****** *********
  Phone Type: *-1*
  Best Time to Contact: *Morning (7am-12pm CST)*
  

  Aroma 360 respond that the issue has been resolved:
  Created By: SalesForce System (12/1/2022 10:56 AM)
  ******************** * ******* ****** * ********** * ******** *** **** ** ***** ** **** ****** ******* ***** ***** *****
  
  Spoke to Client OTP they wanted to close their account due to feeling as though they were lied to in terms of their agreement. They did not understand the savings compared to a purchase he made online, and then saw the 9.9%. I broke down the numbers for the client, explained the total savings and that we would even refund to him the online purchase. He understood and appreciated my explanation and would be staying on the agreement.

*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. ↩