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Unicorn Financial Services / Unicorn Financial Services

United States Review updated:
4.4
I too did business with Unicorn Financial Services. I signed up for their o.oo% financing for 12 months for my teeth. I made every payment on time however my last payment which was mailed out the exact same time as all others - Unicorn is saying that they did not recieve it until two weeks after it was mailed. Furthermore their shady customer service reps are rude and did not want to hear me out. Now they are saying I owe a late fee plus back dated interest. I spoke to a supervisor and he said "we researched it and you have to pay us" This company is a load of crap and a huge scam. I have already reported them to the BBB and they will never see a dime from me.
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Il
  31st of Dec, 2007
Agree Disagree 0 Votes
I have a horrible complaint against Unicorn Financial Services!!
On 10/29/07 my account summary was $39.00
I tried to pay it electronically on line with all my
other bills. They do not accept payment that way
so I called at that time and explained that I was
mailing a check. It would be a few days late since
I was a single Mom and had just lost my job.
I was financed $54.48
In November I called Mr Avenetti in the collections
dept. to explain my predicament and that I had
paid all my monthly payments for almost 2 years
straight on time!! He researched my phone calls
to Claudine Chavez who was extremely cruel, insulting, harassing, and non relentless and discovered I had called previous times to explain
I had sent a check and it crossed in the mail.
I own a home, have a minor child pay two car payments, and insurances etc and have an overhead
of over $4,000 a month. And for the first time in my
life thought I might become homeless with my son.
Mr. Avenetti waivered the finance charge of $54.48
but not the late fee of $39.00
My bill at this time became $132.00 which I explained would be paid not in 11/21/07 but within
a few weeks since I had just started training for a
new job in West Palm Beach though I live in Weston,
and they pay bimonthly and I was refinancing my
home to survive.
A week before Christmas I was let go of my new job
and so was my boss whom I worked with previously
for 5 years at another company.
I was in the process of a refinance, so I immediately
started looking for a job. I felt desperate and had
a car accident that night.
The title company called all my accounts and got
the buy off amounts and received the amount of
$132.00 from Unicorn Financial.
I received the checks today 12/31/07 which were
cut 12/27/07 by the Title company.
This morning Claudine Chavez called me. I have
had trouble sleeping worrying about finding
employment (unemployment hasn't arrived yet)
my Dad was diagnosed with kidney cancer the
day I was let go, and I am afraid to drive my car
since the accident.
Claudine first began to scream at me that it was a
disgrace for me to be sleeping at 11Am on a Monday
morning. I tried to explain, all the events. That there
was no food for my kid, no money for Christmas,
my Dad was dying and I was trying every day to find
a job asap. She continued to harass me, call me
names and scream. I informed her of my conversation with Mr. Avenetti and that I was
sending the paid in full check from the title company
today for the entire $132.00. She kept screaming
at me, never let me talk, bullied me, threatened me,
and told me my bill was now compounded to $212.00.
I need to investigate her, and have a call in to my
two older sons, both high ranking police officers
and my attorney.
First, I seem to never ever be able to pay this off!!
Second, every other company agreed the payoff
date of 12/27/07 was the amount given to the
title company of the exact totals on each bill.
Third, Ms Chavez behavior is not only harassment,
threatening, frightening and the lowest of unprofessionalism.
I have worked 25 years straight even up to giving birth 3 times and 2 weeks after. I have a college
degree, and have been in a customer service position
all my adult life. Ms. Claudine Chavez and how
she tortured me, during the worst time of my life
needs some legal action.
I truly believe my civil rights as a person was infringed upon.
The monthly statements need some legal research
regarding scamming. I have mailed the check
for $132.00 but am sure that amount is inflated.
Steve Longo who answered my call today had no
answers and Mr. Avenetti, in charge of that
department could not be found, nor has he
returned my call - so far, today.
I pray that no other innocent customers have met
with the wrath of Ms Chavez and Unicorn Financial
Rip offs. Not only does it seem unjust but pitifully
wrong to do to society. Can something be done to
stop this?
Il
  31st of Dec, 2007
Agree Disagree 0 Votes
I totally agree that the methods of this company,
Unicorn Financial need some looking in to,
and that they seem to be very unethical.
Is the Better Business Bureau checking into this?
Ms Claudine Chavez, crossed the line in customer
relations and her behavior on the job needs to
be investigated as well.
And, Mr. Avenetti must be aware as well, if not
then he is not handling his position approbriately
since he is the supervisor of collections and Ms.
Chevez works for him.
Da
  28th of Jan, 2008
Agree Disagree 0 Votes
I paid off my 18 month Unicorn dental loan in six months, and they claimed they received the last payment late, saying I owed an additional $54. Now, 18 months later, they have told my credit reporting agency that I owe $262, and have instituted litigation, even though as an attorney, I know that is a complete lie. I have received no communications from them for at least one year.
Lm
  25th of Feb, 2008
Agree Disagree 0 Votes
I HAD THE SAME EXPERIENCE, OUT OF ALL PMTS. ONE WAS ONE DAY LATE, CANCELLED MY CONTRACT AND WENT BACT TO BEGINNING ON FINANCE CHG. EMPLOYEES RUDE AND NASTY AND TALK DOWN TO YOU LIKE YOU ARE A LOW LIFE. WE ENDED UP SENDING FULL BALANCE CERTIFIED WITH RETURN RECEIPT. I WILL NOT PAY THEM ANOTHER PENNY. THEY ALSO THREATENED TO RUIN OUR CREDIT.
Te
  26th of Feb, 2008
Agree Disagree 0 Votes
I also have had the same experience as the others. I had three accounts with them. I was $20.00 short on my payment and they cancelled the contract on all three accounts and added $1000.00 interest to my account. How could I be late on all three if I was only $20.00 short. I contract BBB but they didn't help me. However, maybe if more people complain then maybe they will do something. I also believe that they post your payment late as I would send in the money on time but it would take them 2 weeks to post. The only time they would post right away is when I would send in the payment as Priority Mail with Delivery Confirmation. I will never use them again or any other place that uses them as a finance credit reference. What a scam they have going. I've used interest fee before with other companys and they never give you a large minimal amount that needed to be paid. You paid what you wanted to and then if you did not pay if off at the end of your contact then your interest was added. I told my doctor's office that I could not afford monthly payments at this time as my husband was not working but I thought okay if I had 18 months I would be able to make it. Well my monthly payments started of at $500.00. I will never go back to that dentist office again.

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