Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Universal Account Servicing, LLC (GA)

My husband and I wanted to open a XXXX XXXX business. We thought XXXX was the answer. This loan is a hardship as we continue to pay for business help. The loan is for the XXXXXXXX XXXX   XXXX. The XXXX business we bought into has never gotten off the ground. XXXX says they hand-selected their associates and told us to buy from only their people. They were very persuasive that my husband could make enough to retire and work only a few hours a week for a stream of consistent income. I am XXXX and we have exhausted our savings, over {$25000.00} in classes, websites, drop shipping contracts, coaching & training etc over the course of 9 months. What they didnt intend to tell us was everything is a compartment. So you think you are buying a whole working product and you are buying a piece. So you have to keep buying pieces from these so-called trusted associates. But all the pieces together never make anything whole or complete. 
We received a letter XX/XX/18 that the FTC has filed a complaint against them because they did not yield successful businesses. A 3 digit check to us was enclosed as a partial refund for their criminal acts. This check is insignificant compared to the amount of money we have spent over the last 2yrs. XXXX said that they had inter-related connections with companies they chose to help us that we could trust. We gave them a password that only we and XXXX knew. We were instructed to only speak with companies with this code. We didnt know XXXX sold our password to another company, XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This company we thought was with XXXX so we bought their website. After we paid $ XXXX for this a website we had no way to ship products and no marketing for people to find us on the internet. They waited until we worked our butts off putting together products to tell us they had a marketing pkg. at an additional cost. XXXX. $ XXXX worth of website nothing. 60 man & woman hours/week. We were told we could do this in our spare time but it is actually 3FT jobs to research all that is required.. We cant sell or ship anything. Eighteen months later the website is still just sitting there. One page of our website is set up by them as their advertisement for their business, not ours. They were happy to help us for another $ XXXX to market the website. By then all our savings was gone and we are supporting the business instead of the business supporting us. A business that they know has and never will make a dime. They never told us everything was a separate price. We called XXXX to report them. XXXX said they were not in the select group and they could do nothing. I said but we had the code and somebody in your company gave or sold our secret code. This was the only reason we trusted to buy a website from them. XXXX never took responsibility for their breach or tried to intervene in our behalf. Now that the FTC has made their criminal acts public and come down on these businesses for what my husband and I have known for nearly 3 yrs, I want all my money back. Starting with my {$3300.00} I paid UAS ( universal account servicing ) in good faith. With this new information from the FTC I believe UAS has known XXXX were criminals long enough to make wrongs right. They recently change their website where only payments could be accepted. They did not notify me of the change and then charged me a late fee because I couldnt find the website and nobody at UAS was answering the phone. Only VM was available. My contract with UAS has XXXX in it, so they collaborated with UAS to finance a scam and played on hardworking peoples dreams then ripped us off. They also used high pressure sales tactics, like saying you need access to these tools to be successful. They said their affiliates provided low cost deals to them that they were passing on to us. If we missed out on that deal now it would cost us thousands of dollars extra later. XXXX linked us to a company named XXXX in XXXX XXXX XXXX, Utah. XXXX supposedly were designed as business coaches to ensure success. They charged us {$500.00} to set up our business license which we later found out we could have done that ourselves for free. AND they set it up in Utah instead of Georgia. I want my thousands back from them too. The FTC has filed a complaint against them in XX/XX/2018. Also, we were told we needed access to drop shippers. We paid thousands of dollars for access to XXXX and XXXX drop shipping that we didnt know how to use to make that constant stream of income. Everything had a missing piece in it so no matter how hard or long we worked there was always something else to buy to make the next step work. Nothing they told us translated into income