This is the most scandalous company I have ever heard. I have no contract with them whatsoever but apparently was included in someone else's application as a reference. I am getting daily calls to ask me to tell the person (with the contract) to call them. I informed the contract holder that they need to do so and told the individual from Unicorn who calls daily the same. This impertanent and rude woman then informed me that they will call me once per day until the contract holder calls them. This is absolute harassment as I have no contractual connection with this company and I intend to contact the FCC regarding this abuse.
I had to have emergency dental work and was hot with a large bill. The dentist said, "no worry." I have a finance company that will finance the bill for six months with 0 percent interest. Great! I sign the application and left the office. Almost before I got home the bill from Unicorn was waiting in my mailbox. Almost said! It said that my payment was due in 21 days. As I had to go out of the country I thought I would pay online when I got home. Well the fact that this company does not have the capability to pay online tells you that they are not very credible or lack serious technology in the society we live today. I called them and asked about a telephone payment. The "nice" lady said, Sure, it is an additional $24.95!!! I said, "Wait, it doesn't say that any where on your statement." I was told that I was correct but that it was on the original agreement I turned into the dentist. I don't ever recall receiving a copy! I was given the option of mailing the payment and have it be late and face a $39,00 late fee plus cancellation of he 0% interest or pay the $24.95 phone payment. I would be glad to join a class action suit for unfair practices.
This company has figured out how to screw people. They tell you no finance charges as long as you make your payments on time. Then they don't send you a statement hoping you'll not remember on your own and then instead of calling you or contacting you, they go to your references and instruct them to call you. I always paid on time. One month they didn't send a statement, so they didn't get a payment. My original references I used when I opened the account with Unicorn called me to tell me that Unicorn was calling them instructing my references to get in touch with me. Instead of calling my house or my cellphone, they were calling my references!!! I called them and asked them why they didn't call my house or my cellphone but they refused to discuss it with me unless I gave them my social security number. I immediately paid the bill which was then 20 days late even though I never received an invoice. They then billed me for all the interest I would have owed had I not paid every month on time ... don't use this company, they are vicious. I pay every bill every month on time, never had a problem with anyone until I got involved with this company. And now I find out you can't even pay off the loan without them charging you full interest for the term of the loan. I have also reported them to BBB. Let's hope that someone is watching this piece of crap company.
In October I applied with Unicorn as I need to have a lot of expensive dental work done. I, too, thought this was interest free if paid within a certain time. NOT SO. I mailed my October payment (imagine my surprise, one due 10/24, when I applied 10/1) on 10/19/07 with due date 10/24. This check was cashed 10/23/07. I mailed the November payment 11/17/07 due to the holiday, and they claim to have not received it till 11/26/07; therefore zapping me with a $39 fee. I called their "customer service" number, and spoke with a demeaning little witch, who reminded me that there was a holiday in there, hello, I knew that, and continually interrupted me while attempting to point out to her that the previous payment was mailed later and received earlier and cashed timely. When I asked to speak with her supervisor, she hung up. I called back, and got her again. Again I asked to speak with a supervisor, she refused to give me the supervisor''s name. Finally, after 3 tries, she did give it to me, but then in a demeaning tone, spelled it to me as well.
I believe their website is misleading as it does give the option of interest free payments. That is not what you get.
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.
I had an 18 month interest free loan with Unicorn Financial Services. I sent out my last payment several days before the due date, so I figured I was free and clear because my loan was paid off. About a month later I received a late fee for about $39 because allegedly my payment arrived a few days late. I received the late fee statement on a friday and it was due on monday, 3 days later. So I sent out a check for the late fee along with a note explaining that the statement arrived late and therefore the payment of the late fee would also be late. A few days later I received a phone call from this company saying that because my late fee arrived late, all the back dated interest was reinstated which totaled to over $1,300. I explained my situation hoping they would be understanding. Several times I asked to speak to a supervisor and there was never one around. They said the best they could do is send my account in for review and that they would get back to me. One day later they got back to me and of course they said I had to pay the back dated interest because they're not responsible for my late fee and that I had a balance beyond the contracted date. They would not provide proof that my last payment actually arrived late and were very rude and unhelpful. I recommend that no one do business with this shady company.
I had a large dental bill and my dentist offered Unicorn Financial Services as a means to pay it off. Unicorn's statement is that it is no interest financing as long as you make the payments on time...if not, the high interest rate of 24.75% will be charged from the beginning of the contract. I made 9 monthly payments on time with no problem and only had 3 more payments to make. I mailed my next payment well in advance, but Unicorn claims they never received it. It has now been more than a month and the envelope with my payment has not been returned to me by the U.S.P.S., so where is it? I have talked with a manager at Unicorn and his view is that I entered into the contract and did not follow through and now I must pay big time. My view is that I made my scheduled payment and I am being ripped off by Unicorn Financial Services!!! I was charged a late fee of $39.00 and informed I would now be charged the high interest rate from the beginning of the contract.
I think Unicorn plans on problems like this to make their money. They do not offer any way to make your payments on-line or have it taken directly from your checking account or credit card. Now I see why!!! In my 60 years of life I have never dealt with a company like this. The saying "If it sounds to good to be true, it probably is" certainly applies to Unicorn Financial Services.
I have contacted my state Attorney General and will be contacting the BBB and my state legislators. I will also be contacting my dentist and advise him to quit offering the services of Unicorn Financial Services.
I urge everyone to take caution with companies like this.
Unicorn Financial provides interest free loans to patients receiving long term care from medical and dental...