United Collection Bureau, Inc.

Caller identifies as United Collections Bureau ( UCB ) calling from : XXXX. I've done no buisness with this agency and the online reports return medical fruad. My identity was stolen in and found on the darkweb as well as medical fruad. Companies are charging for services that were not even provided or were provided without consent. My identity has been stolen and still receiving harrassing calls.

I am filing this complaint against United Collection Bureau , Inc. ( UCB ) for failing to provide adequate debt validation in response to my timely dispute, and for attempting to collect a debt that is not legally owed as it arises entirely from unauthorized charges that the original creditor XXXX XXXX XXXX XXXX promised to waive. THE COLLECTION NOTICE : I received a collection notice from United Collection Bureau , Inc. ( UCB Reference Number : XXXX ) attempting to collect {$220.00} on behalf of XXXX XXXX XXXX XXXX for XXXX XXXX Account # ... XXXX. The notice stated I had until XX/XX/XXXX to dispute the debt. MY TIMELY DISPUTE : I submitted a dispute through UCB 's website at www.requests.ucbinc.com before the XX/XX/XXXX deadline. This was a timely dispute under FDCPA XXXX, which legally required UCB to immediately cease collection activity and provide complete debt validation before taking any further action including reporting to credit bureaus.…

Read full complaint at CFPB →

I am filing this complaint against United Collection Bureau , Inc. for continued reporting of a materially inaccurate, unverifiable, and misleading collection account on my consumer credit reports. This account has already been formally disputed multiple times, yet the company continues to report the same inaccurate and incomplete information without providing any legally required validation or documentation. The account in question is fundamentally defective for several reasons : First, the reporting fails to identify the original creditor, instead listing it as Unknown. This is a critical violation of federal reporting standards. A third-party debt collector can not legally furnish information to consumer reporting agencies without clearly identifying the original creditor. This omission prevents me from verifying the legitimacy of the alleged debt and renders the account incomplete and misleading.…

Read full complaint at CFPB →

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am submitting this complaint regarding United Collection Bureau , Inc. ( UCB ) attempting to collect an invalid and disputed XXXX debt of {$180.00}. This charge stems from an XXXX XXXX XXXX required by the county and performed at a XXXX facility in XX/XX/year>. At the time of service, XXXX staff explicitly assured the XXXX there would be no personal financial liability for this county-mandated XXXX. A third-party XXXX vendor bypassed these instructions and issued a bill. A formal grievance has been filed directly with the XXXX regarding this deceptive billing practice and the failure of their staff to coordinate with their vendors. I contacted UCB by phone to notify them that this debt is actively disputed and under hospital review, but UCB failed to log the dispute or halt collection efforts. Under the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute this debt in its entirety.

I am submitting this rebuttal because United Collection Bureau Inc.s Reference # XXXX response does not comply with federal consumer protection laws and fails to provide proper validation of the alleged debt. United Collection Bureau Inc. claims that a validation notice was mailed on XX/XX/XXXX. However, merely asserting that a letter was mailed does not constitute proper verification of a disputed debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). Once a consumer disputes a debt, the debt collector must cease collection activity until it obtains verification of the debt and mails that verification to the consumer. Courts have consistently held that verification must come from the creditor and must confirm the amount of the debt and that the collector is authorized to collect it.…

Read full complaint at CFPB →

It showed up on credit report - not sure what it is? I called and they began making accusations and harassing me with calls pretending to be a loan company. I told them I need a validation letter, which I never received within 5 working days, per Texas law, and I never received anything in the mail or otherwise stating I have a debt or bill. I told them this is not my debt. I aked for an account number the second time I called them. as they have not done anything to proceed forward, but ask me if I want to pay {$37.00} to clear a debt that is not mine off my credit report I sent them this letter today after the lady on the phone was rude, threatening and made false allegations. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date : XX/XX/year> United Collection Bureau , Inc. ( UCB ) XXXX XXXX XXXX.…

Read full complaint at CFPB →

RECEIVED A LETTER FROM UNITED COLLECTION BUREAU , INC. STATING THAT I OWE {$960.00} TO XXXX TX XXXX XXXX XXXX XXXX THE LETTER IS DATED XX/XX/year>, REFERENCE XXXX XXXXXXXX, ACCOUNT NO. XXXX. THE NAME ON THE LETTER IS NOT MY CORRECT NAME. I HAVE NEVER RECEIVED TREATMENT FROM THIS PROVIDER. I DID NOT INCUR THIS DEBT. THIS DEBT IS THE RESULT OF IDENTITY THEFT. I FILED FTC IDENTITY THEFT REPORT XXXX XXXXXXXX XXXX XX/XX/year>. I SENT A WRITTEN DISPUTE AND COPY OF THE FTC IDENTITY THEFT REPORT TO UNITED COLLECTION BUREAU VIA CERTIFIED MAIL ON XX/XX/year>, DEMANDING VERIFICATION UNDER 15 U.S.C. 1692g ( b ) AND COMPLIANCE WITH TEX. FIN. CODE 392.308 ( d ). I AM REQUESTING THE CFPB INVESTIGATE THIS COMPANY 'S COLLECTION OF A DEBT RESULTING FROM IDENTITY THEFT.

This bill was due to a hospital visit in XXXX. I had insurance when I went to the hospital I gave them that info. The hospital failed to bill my insurance in the proper time window amd now it's to late to bill my insurance. They have now sent my bill to XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. I have told them to stop contacting me and they have sent a itemized bill to my grandmother 's house. A house I don't live at. I provided the hospital with the information they needed to bill my insurance and they failed to do so in a timely manner I dont know why they gave all my personal info to a debt collector and why they have a itemized list that only the hospital should have.

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

Read full complaint at CFPB →

United Collection Bureau previously responded to CFPB Complaint No. XXXX, which is now closed. In their response, UCB admitted that it does not own the alleged debt and claims only to be a contracted business associate. Despite this admission, UCB failed to provide competent evidence that the debt belongs to me, that I incurred the obligation, or that it has lawful authority to collect or furnish this account. An itemized statement from a third party does not establish ownership, liability, or authorization to collect. After notice of dispute and the prior CFPB complaint, UCB continues to furnish and/or attempt to collect unverified information, constituting a failure to conduct a reasonable investigation and continued reporting of disputed, unsubstantiated data. These actions violate 15 U.S.C. 1692e, 1692f, 1692g ( b ), 1681s-2 ( b ), and 1681e ( b ), and established case law including XXXX XXXX XXXX XXXX XXXX .…

Read full complaint at CFPB →

I am submitting this complaint to formally dispute the actions of a collection agency regarding an alleged debt and to report violations of my consumer rights under Regulation F of the Fair Debt Collection Practices Act. The collection agency provided a collection notice that fails to comply with 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to provide a clear and accurate itemization of the amount of the debt, including interest, fees, payments, and credits since the itemization date. The information provided was incomplete, inaccurate, and misleading, preventing me from understanding how the alleged balance was calculated. Additionally, the collection agency violated 12 CFR 1006.34 ( c ) ( 4 ) ( l ) by furnishing validation information that is false, misleading, and deceptive. The representations made regarding the nature, amount, and legal status of the alleged debt are inaccurate and materially misleading.…

Read full complaint at CFPB →

UCB is reporting a debt on my report for {$540.00} I dont recall having any contract with them and they state they are a medical debt. as per 15 U.S.C. 1692g Debt validation The collector must stop collection until validation is provided They must prove : You owe the debt The amount is accurate They have authority to collect with that said cease and desist and remove that off my credit

Indiana Department of Revenue was served with a letter to close my company 's sales tax account in XXXX. They acknowledged receiving the account closure on a XX/XX/XXXX letter to me. In that letter to XXXX, it clearly states there is no economic nexus and that no tax has been collected, thus there will be no further tax filings In XXXX XXXX issues a warrant for ~ {$590.00} for what they allege are non filing fees. Again a letter was sent to XXXX on XX/XX/XXXX referring to the account closure in XXXX. United Collections Bureau Inc was then contracted by XXXX to collect the disputed debt. On XX/XX/XXXX, UCB placed a legal hold on {$590.00} in my company bank account at XXXX XXXX XXXX. On XX/XX/XXXX the money was debited from my account. My banker was able to research and provide me the phone # to UCB. Three times between XXXX XXXX I called UCB.…

Read full complaint at CFPB →

XXXX. Did not validate ownership. XXXX. Did not validate authority. XXXX. Did not validate the balance. I am requesting that the CFPB investigate this matter, require the company to cease unlawful collection activity, and ensure compliance with federal consumer protection laws. I timely disputed the alleged debt in writing and requested validation pursuant to 15 U.S.C. 1692g ( b ). In my written dispute, I specifically challenged the collectors standing, ownership of the alleged account, authority to collect, and the accuracy of the balance. Despite receipt of this notice, United Collections Bureau , Inc., has continued to send correspondence related to the alleged debt, which constitutes a knowing and willful violation of 15 U.S.C. 1692c ( c ). Any implication of legal authority or ownership without proof further constitutes a false and misleading representation in violation of 15 U.S.C. 1692e.…

Read full complaint at CFPB →

I am a Qualified Medicare Beneficiary ( QMB ) with Medicare and Medicaid. A provider billed me {$770.00} in Medicare Part B coinsurance for an outpatient XXXX infusion claim with date of service XX/XX/year> at XXXX XXXX XXXX XXXX XXXX. Medicare shows the claim was approved but assessed coinsurance totaling {$770.00}. As a QMB, federal law prohibits providers and their agents from billing or collecting Medicare deductibles, coinsurance, or copayments from me. Despite this, I was billed and the account was referred to collections ( UCB/United Collection Bureau ) I dispute the debt because it is prohibited QMB cost-sharing and not legally owed. I request immediate correction : remove all patient responsibility, bill Medicaid as secondary as required, cease all collection activity, and do not report/furnish this disputed amount to any credit reporting agency. Documentation attached includes my Medicare claim summary showing the {$770.00} coinsurance.

I requested verified proof that I owe this debt and that it belongs to me. I have not been to this facility They have sent statements from showing a balance but not verified proof that it belongs to me nor a chain of custody showing they own the debt. I have made phone calls requesting and they have repeatedly refused to provide anything other then a statement and they saying it belongs to me. They are violating 15 USC 1692-1692P, 15 USC1692E, 15 USC 1692F , 15 USC 1681S-2 ( B ), 15 USC 1681E ( B ). It also violates established case law XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and many others.

United Collection Bureau contacted me attempting to collect a charged-off debt. The amount they are attempting to collect does not match the balance being reported by the original creditor, indicating the amount is inaccurate. I am disputing the amount being claimed and requesting proper validation, including proof of authority to collect and a complete accounting of the balance. At this time, no validation has been provided. Attempting to collect an unverified and inconsistent amount is misleading and violates the Fair Debt Collection Practices Act.

UN COLL TOL is falsely reporting on my credit. I have never had any accounts with them. Per my research UN COLL TOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Debt was dispute with XXXX, and later the debt was transferred to collection agency. This debt was dispute due to fraudulent activities and charges. XXXX requested additional time to investigate but the result was to transfer to collection without resolving. The charges were dispute right from the start and a notice to XXXX to decline the charge. XXXX went ahead and approved the charges despite notifying that the charges were fraudulent.

I am disputing the collection account being reported and collected by United Collection Bureau , Inc. regarding an alleged XXXX XXXX debt because it is being furnished without proper notice, validation, or proof of accuracy. I never received the legally required written validation notice prior to this account being placed on my credit report, and the first time I became aware of this alleged debt was through credit reporting. The information being reported is internally inconsistent and unsupported, showing an alleged original amount of {$3000.00}, a so-called credited amount of {$1600.00}, and a remaining balance of {$1300.00}, with no explanation or itemization of how these figures were calculated or applied. Despite my requests, United Collection Bureau , Inc.…

Read full complaint at CFPB →

I am filing this complaint against United Collection Bureau , Inc. due to its continued pattern of harassment through excessive and unlawful phone calls regarding an alleged debt that I have already disputed and requested validation for. Despite being clearly notified multiple times that I dispute this alleged debt and that I am requesting validation, United Collection Bureau , Inc. has continued to call me numerous times throughout the day, including calls placed outside of legally permissible hours, causing repeated disruption and distress. I have explicitly requested that these calls stop, yet the company has ignored my requests and continued its conduct, demonstrating a willful disregard for my rights under federal law. In addition to directly notifying United Collection Bureau , Inc., I have also notified the credit bureaus that this debt is disputed, and rather than pausing collection activity as required, United Collection Bureau , Inc.…

Read full complaint at CFPB →

b'I have been trying to deal with this collection agency and they don\'t seem to be using fair business practices. I called them on XXXX at XXXX to ask them where they got the final number because it didn\'t seem correct. I had received an email from XXXX on XXXX saying the amount was near $XXXX. When I spoke with XXXX XXXX at the collection agency, he said that that offer was no longer available and that he would send me an email with the current amount. I have yet to receive any email communications from him regarding this business other than for him to say for me to call in. There would be no way for me to have a record of any phone calls and was clearly "burned" on the first call. They continued to call me repeatedly until I sent them a certified letter which they received on XXXX XXXX XXXX at XXXX. This letter requested the information and I have still not received anything regarding the account.…

Read full complaint at CFPB →

I disputed a medical collection account on my credit report. The credit bureau reported the account as verified. I then submitted a written request for the method of verification, asking how the account was verified, the furnisher contacted, and the procedure used. Despite proof of delivery, the credit bureau failed to respond and did not provide any method of verification. The account continues to be reported without disclosure of how verification was performed, which is particularly concerning given the medical nature of the debt.

I am writing in response to your letter dated XX/XX/year>, regarding an alleged debt you claim I owe to XXXX XXXX XXXX XXXX This is a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I invoke all my rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state laws. I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including but not limited to compulsive phone calls, emails, letters, or any other form of communication, until you provide full and complete validation as detailed below. Failure to comply will result in my reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities, and I will pursue all legal remedies available, including suing for statutory damages up to {$1000.00} per violation under the FDCPA.…

Read full complaint at CFPB →

United Collection Bureau , Inc. ( UCB ) contacted me regarding an alleged XXXX XXXX XXXX account originally issued by XXXX XXXX XXXX XXXX This CFPB complaint constitutes formal notice and a request for debt validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the alleged debt in its entirety. UCB has failed to provide meaningful validation of the alleged debt, including documentation establishing its authority to collect, identification of the current owner of the debt, a complete account history from the original creditor, and a copy of any agreement bearing my signature. Despite the absence of validation, UCB has issued settlement offers and payment demands, overshadowing my right to dispute and request verification. The correspondence further directs payment to be made payable to XXXX XXXX XXXX XXXX without clearly disclosing UCBs legal relationship to the account, which is misleading.…

Read full complaint at CFPB →

I am the XXXX XXXX at a small non-profit XXXX XXXX XXXX One of our employees had a debt issue with a XXXX XXXX XXXX. I believe they sold information to UCB ( United Collections Bureau. This is not my issue and I continually receive multiple calls at various times of the day. I do not answer any of these calls but continue to receive.

I recently received two different debt collection notices attempting to collect the same alleged XXXX XXXX XXXX debt. The first letter was from United Collection Bureau , Inc. dated XX/XX/year>, with a balance of {$5700.00} and reference number XXXX. The second letter came from XXXX XXXX XXXX XXXX dated XX/XX/year>, showing the same alleged balance but with different account details and a different reference number. These two collectors are reporting inconsistent, duplicate, and unverified information. I disputed the debt and requested validation, but neither collector has provided any legally required documentation such as a signed agreement, itemized statements, proof of ownership, or a full accounting. Reporting or attempting to collect an unverified debt violates FDCPA 15 U.S.C. 1692g ( b ), and furnishing inaccurate or inconsistent data violates FCRA 609, 611, and 623 ( a ).…

Read full complaint at CFPB →

I am filing a complaint against United Collection Bureau ( UCB ) regarding their misrepresentation of the settlement agreement terms and payment timeline for XXXX XXXX XXXX Consumer Credit Card account ( serviced by XXXX ). UCBs written response to the CFPB ( dated XX/XX/year> ) contains multiple factual inaccuracies and materially false statements. These inaccuracies harm me by mischaracterizing the settlement agreement, the payment due date, and my compliance with the offer. UCB claims they mailed me a settlement offer letter on XX/XX/year>. I never received this letter and have no record of it. My first awareness of UCB settlement options came only after I independently visited their website because the validation letter did not contain details of the offers. UCB claims I went online on XX/XX/year> and accepted a settlement to pay {$1100.00} in five payments by XX/XX/year>. This is false.…

Read full complaint at CFPB →

HIPAA Violation, Debt Validation Request, Dispute, and Cease & Desist Demand Collection Agency : United Collection Bureau Original Creditor : XXXX XXXX XXXX Account Opened : XX/XX/2024 Amount Allegedly Owed : {$1200.00} To Whom It May Concern : I am submitting this formal complaint regarding United Collection Bureaus attempts to collect a debt allegedly owed to XXXX XXXX XXXX. This matter involves potential violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Health Insurance Portability and Accountability Act ( HIPAA ). * * 1. Debt Validation Request * * Pursuant to 15 U.S.C. 1692g, I demand full validation of the alleged debt. Specifically, I request : - The original creditors name and address ( XXXX XXXX XXXX ). - A complete itemization of charges leading to the alleged balance of {$1200.00}. - Proof of my contractual obligation to pay this debt.…

Read full complaint at CFPB →