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United Consumer Financials/Kirby


Unethical Credit practices

Complaint Rating:  91 % with 33 votes
91% 33
Contact information:
United Consumer Financials/ Kirby
United States
To avoid the worlds largest skam don't let in the Kirby vacuum cleaner salesman. They say that you will recieve a free carpet cleaning but they will only vacuum. The salesman looks around the house to convince you that he will rob your house if you don't buy his product. He may make a couple hinting gestures or comments about well if you don't buy it... Then if you but the Kirby that is more realistically supposed to be priced at $400 for $1500 then you could be in trouble especially after you agree to 6 months of no interest or payments. Is the interest accumulating during that 6 months? I'll just pay it off. But wait, the United Consumer Financial company will not schedule to have it paid off. They will act like they are scheduling it but the payments never come out. It will be sometime down the road before you realize. Then you will call them and you will tell them you want to pay it off and they will say OK but they will not send a confirmation of a scheduled payment. Then you will find out that they didn't charge the payoff amount again. Like a continuous cycle until you only have a few months left to pay. They will say are you sure you want to pay it off you only have two more payment of $92.00. So you will say OK and six months later you will still be making payments of 92.00. So I told them. I tried to have it paid off in full three times and you wouldn't accept the payment. So I'm am finished with them on principal.
Complaint comments Comments (8) Complaint country United States Complaint category Vacuum Cleaners


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 14th of Dec, 2010 by    0 Votes
I purchased a Kirby vacuum cleaner over a year ago. The payment option I chose was 10 mos., same as cash. Apparently, my payments stopped drafting out of my account last year in December. I was not notified of this change nor was I sent any bills. The first I heard of it was last month in November when they sent me a bill. When I called to inquire about it they had an incorrect Email address, and telephone number. When I set up this SAC plan, I was never told over the phone that my drafts would stop in the middle of my payment balance and that I would be later billed with an additional finance charge and interest. When I called and asked if I can set up the drafts again for the remainder of the payments I was told that the offer expired in May 2010. My issue is: The drafts never should have stopped coming out of my account. I have never had a payment plan with anyone that stopped the drafts without any type of notification. Plus, nothing in my account has changed that would cause the drafts to stop on my end. When I set up this payment plan originally they never told me I would have to call them AGAIN a few mos. later because they would manually stop my drafts. I have had customer service representatives to call me to ask about paying my bill but no one can let me speak to a manager. They gave me an 800 number to call but I have been on hold for over 30 minutes. November 2010 was the first notice I received of a past due status.
 14th of Jul, 2011 by    +1 Votes
my wife and i bought a kirby and was over charged and shammed out of our 3 day warrantee by IMT enterprises in brunswick, ga. this distributor is a sham and needs to be put out of business. they never gave me my old vacuum back, didn't respond till way after the day warrantee from them and kirby won't claim any part of it since the issue was with the distributor and on top of all this, i wind up paying over $2600 for a vacuum that broke on me the same day after the in-home demonstration. kirby needs to start excepting responsibility and not just try to sell you another vaccum or tell you that "you have to by all replacement parts, nothing was covered and it's a piece of junk!!! the salesman and the distributor were very rude and i still have the e-mails. Kirby and it's distributors have countless negative scores with the BBB, ripoffreport and scam.com. i've contacted my lawyer but it's a tricky case since Kirby goes thru distributors to push off the negativity from a vacuum & cleaning system that is worthless!!!
 15th of May, 2014 by    0 Votes
I love my Kirby yeah they tricked their way in and the initial price was over $2500 plus another $1000 for financing but I followed up on the Internet and cancelled next day which was my first question on signing the contract so they came back out and negotiated a cash deal and I got it for $1200 far as the machine being useless learn to use it !!!
 26th of Dec, 2014 by    +1 Votes
This is my 3rd Kirby that I financed through United Consumer and have never had any problems. They debit my checking account every month until it's paid for... As for as the Kirby goes I wouldn't own anything else but a Kirby. With all this said I used to be a Kirby Sales person and know all the tricks they try to use to get you to buy from them. When I want a new Kirby I call the local Kirby Dealer tell them I want one and tell them the price I want to pay, they deliver set it up and the rest is history.
 18th of Mar, 2015 by    -1 Votes
Don't EVER let anyone in your house to sell you anything! Not the unscrupulous Kirby vacuum cleaner people, not people claiming to sell new windows, NO ONE, unless it's the pizza delivery, whom you were expecting!

Kirby's use unethical and unscrupulous business tactics to sell you their product, and leave you, literally, holding the bag!you the dregs while they take off with your money. The couldn't sell me one if the threw in a built in pool!
 16th of Feb, 2016 by    0 Votes
I love my Kirby, have had no problems. I didn't pay anywhere near what these people paid. My Kirby vacuums hand cleans carpet n flooring ( change of attachments). I no longer need a vacuum, mop, broom, and carpet cleaner because it does it all. The other difference is they don't draft my acct, I pay my acct electronically with on-line banking band notate which payment of however many payments my contract is for, so I control it not them hand I have records of my payments directly through my bank band Chang acct.
 21st of Feb, 2016 by    +1 Votes
My finanical situation has changed so i need them to come and pick this vaccuum up... Im not paying another dime.
 4th of May, 2016 by    0 Votes
I bought a $ 2, 200 Kirby vacuum, but it was on me I should not have paid for this vacuum. I was trying to help a young man that I know didn't have a job and was trying to get some points. I don't know if it works or not, brand new it's sitting in my garage and I am still paying on it. I might as well not complain because I guess I was only trying to help a young man. I just always hope my good deeds fall on my son and grandson.I just had a comment

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