800-672-1771

Morgan Summers from United Financial suppose to be at 548 Market St San Francisco, CA 94104. Said they were member of BBB. I looked it up on BBB and got sorry, no result message. BE CAREFUL AND CAUTIOUS call was from 228-209-9560 Biloxi, MS. All smells pretty fishes to me.

I got the same call. They told me they were going to put 1090 on my credit card. And then lower my interest rate. I dont think so. They talk super fast, thinking that they are going to help you out. But they are a scam and please stay away from them!!!

pretty much called to say that i qualified for a lower interest rate. So i figured I would give it a shot. gave them the information that was needed. Even my card number. Which I later had it changed just in case they tried to charge something on there. The lady said i was guaranteed to save $4000.00 and out of that $4000.00 they would take out $1390. But I would never be charged for it. The one lady was telling me when i talk to the banker on recording just to say yes to the fee part. When the banker brittany was like so were going to apply this fee of $1390. I was like no I dont think so. And the other lady i just speaked to prior was like we just talked about this and really rude. Its like they had like all these people in on our conversation..

Next thing I know Morgan Summers, who apparently used to work for Chase. Told me the $1390 would be added onto my card, but that it wouldnt change my payments or anything due to my interest rates being lower. I said I would like to speak with my parents before making any decisions and she got offended. So i put her on hold and called my mom. My mom goes if it looks like a duck, smells like a duck then its no good.  So I told her at this time I am not interested. And she got a huge attitude and hung up the phone on me.

And your company is supposed to be a Reputable company with the BBB! I think not! Please stay away and dont get sucked into anything!!

The number is 228.209.9560

Morgan Summers direct line is
800-672-1771

Please be careful!

HORRIBLE. The same thing happened to me with "Brittany" and "Samantha Washington". DO NOT FALL FOR THIS!

They promsed to lower my interest rate and charged my credit card $1990. Please do not get sucked in.......

I just a got a call from these guys. I googled the information they gave me and found this thread.

I read the information here to Morgan Summers and she hung up on me. Total scam. I immediately called Chase and changed my card number.

Got the same cll my gosts were going yto be 849.99. Told them I would consult my lawyer for advice. The closer called back and I said know.Thought I would check BBB rating. It was excellent however it was in Indiana. Different company. I think this is a scam.

this is the new address for the call center that has been making all the illegal robo calls to you people..
1642 west airport blvd in Sanford Florida.  Google that address and the map will display the location.  the phone number is 1 888 356 6357. you should get a message to speak with someone in human resources.  This is a huge illegal robo dialing call center that has been in business for awhile.  most of the posts on this site im certain are because of this particular organization originally operating in Tampa then moved to primera blvd in lake Mary Florida now they are located in Sanford FL.  Its easy to get all the info you need to these people.  all you have to do is cooperate and give them your cc number.  They cant charge you until you consent.  Thats the only way they can for certain take your money.  they will eventually give you all the info you need if you talk to a "closer" I did some digging and found out that a Blake Curtis owns and runs this entire operation.  see this link here: http://forums.hmoob.com/showthread.php?t=71434
they are calling Canada now instead of the united states most likely to dodge any legalities.  I've investigated fully and What they do is have about 60 unlicensed people to answer phones that this call center robot dials out all across the country.  if you press 1 you'll get any one of these commission payed reps.  pressing 2 does nothing.  the reps are average nobody's that they hire off the street with no real qualifications and will talk you into giving up your credit card number and they will verify if you have debt and if you have availability on your visa or mc by calling your lender.  if you have availability on your credit card they will hand over the deal sheet to a closer "financial adviser" notice the quotes, who is nothing more than some guy or girl unlicensed and has no official title or education to be an adviser.  just some random people that are hired within to close the deal so they make a killing in commission off of you.  All the employees are on a commission based pay scale where I'm sure they are required to make a weekly quota in sales.  then you go to a verification where you agree on a recording to let them charge your card for these ridiculous bull crap services.  then you eventually get scheduled to talk to a financial adviser who again is nothing more than some other random employee in the call center who will call the bank and try to lower your cc interest rates with you on the phone.  All of this is scripted and each person is trained to take you through the Bull crap process.  The banks will do nothing of the sort like the closers promise you who got you scheduled to get you to sign up for these services in the first place.  at best you will get your rate reduced by a couple of percents but its not permanent by any means.  the best they do is transfer balance and get you a 0 percent APR with a Citibank visa or discover card for 3-6 months.  all of which you can do yourself. then they will try to talk you into consolidation or debt settlement.  meanwhile you just payed anywhere from $690 to $1990 on your credit card and are now screwed to ever get that back.  you cant back out of it.  you will not get your money back.  the only way to get your money back is to threaten the company that you had a dispute with your lender in regards to these services.  but you only have 3 days in which to claim that legally. They will show you on an analysis that you helped provide them that you can save money if you pay off one debt and then use what you were paying on the previous debt to put towards your other bills etc etc till everything is payed off.  just for that little bit of common sense knowledge is how they are charging you money.  as long as you have debt and have availability they will get you to join.  they will rebuttal everything you say and will even build a relationship with you.  the website they provide is www.myunitedfinancial.org  they claim to be based in San Francisco California. the number they give is 1 800 672 1771 all of which is provided on this site.  Hope this helps, I've spent a lot of time investigating these guys as they have called me several times.  I had fun and I got my money back.  I can report these guys anytime i want, but i put this here for you to report if you so choose.  Have a good day!!

these people "closers" in this location make easily over a grand a week in commission. they boast 5-10 deals a day a piece.   10-99 tax form is required for them.

make no mistake about this..the info listed above is correct and this is the location of the operation currently. All of the leads they use are illegally outbound robot dialed with the computer system. Most poor dumb reps that work there don’t realize they are breaking the law. Its the Owner or the Sales Floor manager and upper management that should be at fault. They break the law to enroll clients into the system. They conduct a recorded verification process to ensure they can charge your credit account. The script they read for verification is specifically designed verbatim to avoid any legal charge backs. Every word is a trap. They may have offshore merchants or advertisers to run the lead campaigns. Now They may be able to help 10 percent of the people that they enroll because they will do what people in debt should do on their own, they may work to help manage your accounts with a consolidation or a restructuring or a flat out threatening to transfer balance a clients account to a new credit card, but all in all you could do what they charge an arm and a leg for yourself.

yea its crap, morgan is no real financial advisor, she is just a mid 20 something with no real qualifications at all except that she closes a lot of deals for this bogus company.  She is a professional phone scam artist and makes a killing off of all you people!! all she does is sit around and gets deals just like the other 10 or so closers from the sales manager of the floor and looks at what you owe in debt to determine how much to charge you and uses everything that got you into debt that the rep asked you about against you so that you feel your making the right decision.  she is scum, they are all scum, they either close the deal or not and don't care a thing about you or your troubles. they are all paid on commission and a deal for 1390 would have earned her over a 100 bucks. she probably spent close to an hour with you on the phone rebuttal everything you said and that's why she got mad.  they are all in a huge call center with different rooms.  the closers have a room with about 12 cubicles where they all sit and get deals and talk to potential clients(victims) to get your credit card money.  They have to get so many deals daily or else!! lol what a joke, i worked here for a week and got to know everybody.  i recognized several names posted around on these sites, morgan defiantly works here and so do a lot of people.

she defiantly is not at that address.  that address is the address of a subway shop in Cali.  its all lies lies lies.  they make their living off of lies!  now understand they do have a service they provide. they will mail you out a debt profile for you to fill out. they will try to get you to go online and fill it out there as well which will trap you into the service!  Never give them a satisfaction report or you will never get your money back ever!! that's the biggest trap right there.  they are required to get a satisfaction report from you!! everything they do you can do on your own if you were to get aggressive with your debt.  all the service does is take the info you provided and they use that in a pathetic useless attempt to negotiate to a bank supervisor to lower your APR. which we all know is next to impossible.  they have everything they need to make you think they are helping you. when indeed all they are doing is the same thing you could have done yourself. this is how this company is structured and diff people have diff roles.

The owner(some rich guy that drives big cars thanks to you): whats up stud

The floor manager(Satan himself): the crazy ringleader who conducts a cockamamie inspirational meeting every morning to boost rep morale to help the reps get deals! oversees the reps who take the calls initially

the closers(the financial advisers or specialists..how about worthless losers!!Satans little helpers): who get the deals from the floor manager by the reps and talks you into you letting the company charge your card anywhere from $690-1990 depending on your debt.

the verification dept:(people who couldnt be anything else):  who takes the deal sheet and conducts a scripted recording making it legal to charge your card after the closer is done explaining(lying)everything to you

scheduling dept.(people right behind the verification people in the same room)  makes an appointment for you to speak to a financial advisor days or weeks later so that you cant get a refund.

the financial advisors(more scripted loosers with limited resources to do any good).  the person that is assigned to call you to go over your debt profile and try to show you a savings with your lender.

customer service(the people that absolutly couldnt do anything else).  try's to talk you out of backing out of the program.

everyone here is under the same roof sometimes in the same room.  this is a huge scam organization legit only when you agree to services on the recording.

the address is 1642 west airport blvd, Sanford Florida.  Google this it will bring up the map instantly.  the human resource number is 1 888 356 6357 but good luck getting a live person.  for that call the 800 number and pretend you have a confirmation number.  the number they give to clients routes you to the customer service people and that number is 1 800 672 1771 claiming to be Myunitedfinancial.org when actually they are all paid from a serene solutions.  again they are all under the same roof at that address!! you can see them out in the parking lot smoking cigarettes or who knows what else lol.

morgan summers smells like fish i used to work with her.  and all the other names that are posted around its the same company.  1642 west airport road sanford florida thats the location. They even have a machine that blows cash around for the reps and a big wheel they spin to get cash spiffs lol. google that address and like 60 people work here.  all doing the illegal robo dialing to canada now, lol  bunch of whatevers making a ton of cash scamming your credit card for intangable services that do nothing but make them rich weekly!!  read around and do a google search for account services scam.  you'll see it all.

sorry the address is 1642 west airport blvd sanford florida.  Thats the address of this so called company, in case you'd like to report them to the cops. god knows i have but they need more reports.

yep, i got suckered by these guys; now I can't find them.  They did get 2 credit card companies to lower my APR temporarily but I ran out of time on the phone.  so when I went to call them back for more assistance, they're gone; and so is my $$$$
myunitedfinancial.com on one page of the stuff they sent me; myunitedfinancial.org on another
same ph# as you list here

I was wondering if I have been scammed.  I wanted a full refund (990.00). No call backs, busy sig right away
A report showing dbl my payments, closed my account which I could have done myself.