Quick Answer: Unifin Inc. can violate consumer rights by refusing to provide debt validation through mail and hanging up on recorded calls, as described in this credit card debt collection complaint. The consumer has legal rights to request written communication about alleged debts that collectors must honor.
Date Received: 2018-12-31T00:00:00.000
Product: Credit card debt
Issue: Written notification about debt
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Consumer Complaint: On XX/XX/XXXX at XXXX XXXX EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, ” we will email you ” and ” this is already in collection ” and ” we don’t use mail ”. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt.
XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights.
I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company ‘s refusal to honor my rights as a consumer.
Company: Unifin Inc.
State/Zip: GA 305XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3113165
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
Not Sure What to Do Next? Dealing with a debt collector like Unifin can turn into a lawsuit quickly. My Emergency Guide: I’m Being Sued for Debt explains your rights and the steps to take if you get served.
Not Sure What to Do Next? Dealing with a debt collector like Unifin can turn into a lawsuit quickly. My Emergency Guide: I’m Being Sued for Debt explains your rights and the steps to take if you get served.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
