United Credit Adjusters Complaint - Complete Scam - Credit Repair
HOWELL, NEW JERSEY -- Please everyone beware of this company! They also use the following names: United Counseling Association, Bankruptcy Masters, Credit Bureau Control, National Bankruptcy Service, Federal Debt Solutions, and even United Credit AdjustOrs (as if changing the "e" to an "o" could hide the fact that it is still them!). While repairing one's credit is possible, it will not happen with this company. It is almost unbelievable the poor service they provide. The only thing they do on time is take your payments. They do that so well that they actually double the payments that you originally authorized. When you call their offices, you either a)never, ever get an answer; b)are very rudely spoken to by an employee who tries to make it appear as though it is you, the victim's, fault you were overcharged; or c)have an employee promise to fix the problem and get back to you and NEVER hear from them again. This not only happened to me once, but SEVERAL times. My checking account was debited twice for one payment.
I managed to speak to a representative of UCA (after weeks of trying) who assured me it would be resolved. Not only was it never credited back to my account, but the next month I was charged twice again. The payments I made to UCA before this double charging were always taken earlier than I had authorized. One payment was taken 3 WEEKS EARLY! You can imagine the problems that this caused. I had bounced checks, embarrassment, and a load of bank fees. I suppose it would have been a little easier to stomach if I had actually received ANY service from UCA, but I did not. Aside from receiving my UCA contract, I never saw any other correspondence (oh, except for a nasty collection letter sent after I closed my bank account so they couldn't steal from me any longer). I know that I was a fool for signing up with this company, but during the sign-up, the representative are so understanding and positive that they can help. Once you sign-up, it's a different story. Then, all you get are voicemails and rudeness or ignorance. I think that the State of New Jersey is actually in the process of closing them down, but please beware of the names [snip].
Undoubtedly they will be up to their old tricks once again, under a new name. If you ever decide to use a credit repair company, ask for information on the owners and watch for those names.