Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scott Fetzer Financial Group Inc. (NJ)

Consumer Rights Violation The email response below is sent to me by UNITED CONSUMER FINANCIAL SERVICES ( UCFS ) in response to questions I needed answers to address with an ongoing issue with XXXX XXXX XXXX. Prior to this email, I had a phone call conversation with a representative of UCFS. I asked the UCFS representative how can I file a dispute ( debt validation ) and report fraud. The accusations were discovered due to XXXX XXXX not handling my case correctly and UCFS handle the financing aspect of it. The UCFS representative stated that UCFS does not handle that that XXXX XXXX does. All I wanted to know was the why, who, how, was the of the debt. Or the complete accounting ledger of there presentments. 
The UCFS representative got really abusive over the phone and I asked her to slow her roll with the way she was speaking to me. I asked her to repeat what she just had stated to me and then again she used profane and abusive tactics. I said can you repeat yourself again, and conversation was over, she hung up the phone. 
After that conversation I was sent an email with my payment history and the contract I had signed with XXXX XXXXXXXX from UCFS for the alleged debt from XXXX XXXX Question is why did they send the information if the UCFS representative stated they dont handle that XXXX XXXX  does. First of payment statements of the alleged debt are not debt validations. 

The email stated : Thank you for contacting United Consumer Financial Services ( UCFS ). In response to your inquiry, we are the finance company that financed the tax services provided by XXXX XXXX XXXX Our attempt to reach you by phone was unsuccessful. We have attached a copy of your retail installment agreement and a detailed payment history for your records. We apologize if our service did not meet your expectations, and we appreciate you taking time to share your concerns. Our goal is to provide an exemplary level of customer service. We take every customer concern seriously. We apologize for any inconvenience. For tax questions or concerns with the services provided, please contact XXXX XXXX XXXX directly at XXXX Please visit our website at www.ucfs.net to review your account information. If you have any questions, please contact us at XXXX. Our hours of operation are : Monday - Friday XXXX - XXXX EST Saturday XXXX - XXXX EST Sunday XXXX - XXXX EST Thank you, Account Services Department. 
I had asked XXXX XXXX for a debt validation for the alleged debt for the IRS and CONSERVE a 3rd party affiliate with the IRS ( These debt collectors had sent me alleged debt payments ). I wanted to know the origins of the bill that was asked for me to pay. 
I noticed ( IRS/ CONSERVE ) they were double dipping and probably committing FRAUD. I contracted XXXXXXXX XXXX and 3rd party finance company UCFS ( retail installment contract/ security agreement ) to handle my alleged debt with the IRS XXXX XXXX XXXX  refused to send me the debt validation for the IRS and CONSERVE, so then I asked for a debt validation for their services to analyze why was I being charged that erroneous amount by XXXX XXXX 

I filed a complaint with the Better Business Bureau and nothing got resolved except for fictious emails and phone calls to cover their fraudulent acts by XXXX and UNITED CONSUMER FINANCIAL SERVICES. 
I have tried to resolve this, but I have gotten nowhere with the documentation requested. I will explore every option within the UNITED STATES CODES, THE UNIFORM COMMERICAL CODES, and THE U.S CONSITITUTION. I never missed a payment with UCFS, I had only one late payment due to my banking account card being lost or hacked. I gave them a call and explained the situation, that it took 7 to 10 days to send me a new card and they still charged me a late fee charge. After I had advise them that I was looking for a validation of the alleged debt with XXXX XXXX they stopped charging my bank card through blue pay ; which I never issued a stopped payment through my bank ( why did they stop taking payments from me? ). Now I have been seeing negative remarks on my credit report. Which has hurt me with finding a place to purchase due to my credit score droppage for negative remarks on my account. 

I KNOW XXXX XXXX AND UCFS HAVE COMMITTED FRAUD AND HAVE VIOLATED MY CONSUMER RIGHTS ( ALONG WITH THE IRS AND CONSERVE ) ALL I WANTED WAS EVIDVIDENCE ON HOW I WAS SPENDING MY MONEY WITH XXXX XXXX BUT NOW THEY HAVE OPENED OTHER DOORS THAT HAVE TO BE INVESITGATED DUE TO THEIR DECEPTION. 

I have sent a validation of debt to both companies only one of them has responded with information requested within the United States Codes of consumer rights and laws.