United Lending Services Complaints

Company Information

Business type

Online loan-matching service for borrowers with bad credit that charged a one-time fee to see matched lenders; operated as United Lending Services Co. (ULSC) in 2012-2013, website no longer online

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 37 historical complaints about United Lending Services, published between 2012 and 2013. No approved complaints have been published on this site during the last three years.

• Charged $34.95 for a supposedly free account and no refundPublished Sep 11, 2013 · Historical consumer allegation
• Bad Credit Loan Matching Service Ignored Repeated EmailsPublished Sep 4, 2013 · Historical consumer allegation
• Matched With 11 Lenders for $5,000 Loan, Got Only NamesPublished Aug 26, 2013 · Historical consumer allegation
• Paid $39.95, Sent Denial Letters, Still Not RefundedPublished Aug 20, 2013 · Historical consumer allegation
• Money Taken From Checking Account After Giving My InformationPublished Jul 3, 2013 · Historical consumer allegation

Complaint Themes

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

If you paid United Lending Services, or United Coast Lending is calling you

The ULSC website is gone. The company's website, unitedlendingservices.com, is no longer online: the domain record shows a new registration in September 2026 and a "client hold" status, and the address does not resolve. The company listed only an email address for support, [email protected], and stated "Phone Number: Not Listed" on its own profile page, so there is no working way to reach it directly.

Disputing a charge. One complainant's bank statement shows the charge as "UNITED LENDING SER". Your card issuer or bank is the place to dispute it. For a credit card, the FTC explains that under the Fair Credit Billing Act a written billing-error dispute must reach the issuer "within 60 days after the first bill with the error was sent to you". For a debit card or a direct withdrawal from a bank account, the CFPB says to notify your bank within 60 days after it sends the statement showing the unauthorized withdrawal. One complainant reports that the card issuer reversed the fee after a dispute. A fee charged in 2012 or 2013 is far outside these windows and can no longer be disputed under these rules, but it can still be reported (see below). A new charge under this name is a different matter: since the company's own website is offline, dispute it with your issuer or bank and report it right away.

Reporting. You can report a loan or loan-matching fee you paid at ReportFraud.ftc.gov and file a complaint about a financial product or service with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. Because ULSC gave a New York address, the New York Attorney General also takes consumer complaints online at ag.ny.gov or through its help line, 1-800-771-7755. The FTC's page on advance-fee loans warns: "Banks and other legitimate lenders won't promise or guarantee you a loan or credit before you apply."

Calls or offers from United Coast Lending. United Coast Lending is a similarly named business that no public record links to ULSC (see Company information). Its privacy notice says that to limit sharing of your information you can call 800-287-4180 or email [email protected]. The consent text under its application form covers automated calls and texts "even if you have listed yourself on any Do Not Call list", and also says consent "is not required as a condition to use this service", so you can decline it. You can register your number for free at donotcall.gov; the FTC notes it can take up to 31 days for sales calls to stop, and unwanted calls can be reported at DoNotCall.gov.

What complainants reported about United Lending Services

37 published complaint reports are linked to this profile. The reports are dated from September 2012 to September 2013. They are the complainants' own accounts and have not been verified.

Other complaint databases. BBB's business directory shows no profile for United Lending Services or United Coast Lending, and the CFPB Consumer Complaint Database shows no complaints against either name. CourtListener lists no federal case with United Lending Services or United Coast Lending as a party.

What the complaints describe. A fee paid to see matched lenders, most often $29.95, with other complainants naming $31.95, $34.95, $35 or $39.95. A loan described as "guaranteed" that did not come through. A list of banks, credit unions and lenders that complainants say they had already applied to or could have found themselves. Refund requests that went unanswered, including from people who say they sent at least five lender denial letters, which they say the refund terms on the company's website required. No phone number and no reply to email. A few complainants describe the charge as unauthorized. One complainant reports that a dispute through the card issuer reversed the fee.

How the ULSC loan-matching service described itself

The service. On a "Business Profile & Review" page that says its information was provided by the company, United Lending Services Co. described itself as an internet-based loan-matching and information service aimed at people with bad credit, and stated that it "is not a lender or a broker". It listed the loan types it could match people to: personal, home equity, mortgage, payday, cash advance, auto, military, holiday and unsecured loans. In other words, ULSC did not lend money itself; it sold access to a list of lenders that might consider an application.

The fee and the guarantee, in the company's words. The same page lists "Service Fee: One-Time Fee of $29.95 if matched to lenders" and "Refund Policy: 90-Day Money Back if matched and customer cannot get a loan". It describes the steps: the applicant fills out a short application; if lenders can be matched, the applicant is told and offered the option to proceed; the customer then pays the one-time fee to see the lender information in an online account. A press release the company published on PRLog on April 10, 2013 says it "reports that 95% of loan seekers are matched to loans" and that "if you cannot get a loan using their service, they fully guarantee your money back". These figures are the company's own claims. The profile page also rates the business itself, with lines such as "Business Legitimate: Yes" and "Address Confirmed/Valid: Yes"; these are statements on a page supplied by the company, not findings by an independent body. It carries three short user comments praising the service, one of which says the guarantee was honored with a full refund.

Address and contacts. The press release and the profile page give the address 244 5th Avenue, Suite 200, New York, NY 10001 (the profile page calls it a mailing address), the email [email protected] and customer service hours of Monday to Thursday 9 AM to 5 PM and Friday 9 AM to 4 PM Eastern time. The profile page states "Phone Number: Not Listed".

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