Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (CA)

I contacted Universal Account Servicing ( Universal ) to close the account/cancel the contract that they set up for me to pay for services/treatments from XXXX XXXX XXXX. 
Unfortunately my last treatment from XXXX was done XX/XX/XXXX I no longer wanted to receive treatments from XXXX  because at my XX/XX/XXXX appointment I received no customer service nor any attempt to provide the treatment I was scheduled for - I was waiting over 30 minutes to receive my treatment and I walked out upset and embarrassed. 
I immediately contacted the XXXX representative that signed me up with my treatments about what happened and how I did not want anything to do with XXXX after that. She told me she would work on cancelling out my treatments. A few days later I contacted Universal and explained to them I was no longer using LaserAway and asked for instructions on how to cancel my contract with them/close my account with them. The representative at Universal told me they had to get confirmation from XXXX and discontinued the AutoPay service that I was using so not to be charged. 
After some time I received a bill in the mail from Universal so I wrote them and XXXX. Is US certified mail and reminded them of my no longer using XXXX services and my desire not to have the account or services from either company. 
I also contacted XXXX via email. 
I only received a response from Universal via email on XX/XX/XXXX. Telling me that XXXX reduced my principle balance and that I would be responsible for services/treatments received. 
I responded and asked them for an itemization of what I owe and how much. Universal said they did not have that information and just repeated that I owe the principal balance less {$2000.00}. No details or further information was given me. 
I called Universal to confirm what the actual amount owed was to pay the balance and they told me the principal balance owed was {$850.00} but I owe them interest and late fees. 
I told them I did not agree with the interest charges or late fees because I tried to close the account & cancel the contract in XXXX. The time lapse was not fault of mine but was due to their correspondence with XXXX ( and Im not too sure if this was a genuine time lapse. I dont know if things could have been handled sooner but was purposely delayed to incur these charges. ) I told the representative at Universal that I am willing and ready to pay the {$850.00} - the cost of treatments received ( which isnt verified ; I received XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX ; and I made 1 payment of {$120.00} ) Universals representative told me that I would still incur interest charges because the balance wouldnt be paid in full. 
I want to resolve this issue by paying the {$850.00} I should not be charged interest or late fees when I was trying to avoid any further charges or fees owed by contacting them when I terminated my interest in XXXX. My discontinuing XXXX service/treatments was also discontinuing Universals services.