| 04/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX Consumer Finance Protection Bureau Case # XXXX Request for re-investigation due to inaccurate and/or incomplete findings I am writing to dispute XXXX determinations about my complaint in Case # XXXX and to request re-investigation. For reasons I demonstrate, XXXX investigation is inaccurate and incomplete such that the conclusion is inaccurate and unjust. The purpose of my complaint is to stop XXXX from pursuing me for a debt that I am not responsible for. I also wish to stop the aggressive credit-damaging tactics XXXX is using to force me to pay a debt that I am not responsible for.
DISPUTE SUMMARY I directed XXXX to permanently close my account on XX/XX/XXXX, XXXX and again on XX/XX/XXXX All legitimate debts were paid in full before I terminated my relationship with XXXX XXXX All disputed transactions are unauthorized. All were reported by XXXX to me and by me to XXXX as fraudulent. Nearly all disputed transactions were incurred after XXXX was directed to close the account. Instead of following legitimate instructions, XXXX acted on its own accord and opened a new account and failed to protect it. XXXX opened an unauthorized account and allowed fraud to accumulate inside it. XXXX came up with a new classification, denying the existence of fraud. Nonetheless, a finding of fraud is not needed to support my case.
Now XXXX is using intimidation, devastating my previously perfect credit score, to force me to pay a debt that is clearly not my responsibility. I acted 100 % within my rights as a customer receiving unacceptably lousy service when I instructed XXXX to permanently close my account. XXXX failure to close the account is 100 % XXXX doing, not mine. Leaving the gate wide open to continued fraud is XXXX doing, not mine.
XXXX was demonstrably unable to provide me with trouble-free credit card services and unable protect me from known and repeated fraud. This, plus the fact that I made over XXXX attempts to update my contact info with them, and was unable to get any help led me to direct XXXX to permanently close my account. Frankly, given XXXX repeated poor performance, I could see no other option to stop the fraud and end the headaches associated with XXXX faux-security program. I paid my bill and I fired them. That should have been the end of the story. Sadly, XXXX ignored my clear instructions, then went on to open an unwanted account in my name and leave it open and unprotected from the very same fraud. XXXX allowed unauthorized transactions to accumulate on an unauthorized account. Now XXXX is coming after me in an unjustified and aggressive manner that devastated my previously perfect credit score and left me begging government agencies for help.
XXXX XX/XX/XXXX investigation is incomplete and inaccurate. As such, it comes to a conclusion that is not supported by facts. In spite of XXXX own written communications and security behaviors to the contrary, now, without any basis whatsoever XXXX claims the hundreds of unauthorized XXXX transactions are not fraudulent. Though I disagree, my case does not rest on finding the transactions to be fraudulent. In addition to being fraudulent, the disputed transactions and fees took place on an account that XXXX was instructed to permanently close, after the date that the account was to be closed. XXXX disobeyed clear instructions, then opened an account in my name and left it wide open to fraud. I am not responsible for unauthorized debt incurred after XXXX was instructed to permanently close my account. I am not responsible for fraudulent debt that was reported on multiple occasions, using XXXX own security procedures.
Between XX/XX/XXXX and XX/XX/XXXX, XXXX demonstrated over and over again that they are unable to protect my account from repeated unauthorized robotic transactions by the same offending vendor, XXXX XXXX ( XXXX ). Despite their new position that the claims are not fraudulent, XXXX themselves identified XXXX to me as fraudulent on multiple occasions. Whenever XXXX asked me to confirm that the transactions were from an unauthorized & unrecognized vendor, I complied. XXXX would then block and cancel my card in an attempt to protect it, but then XXXX would allow the same un-authorized transactions to occur again. Hundreds of times. Given the poor level of service, I made a decision to fire XXXX. XXXX refused to follow my instructions. Yet XXXX offers no basis, legal or otherwise, by which they can force an unhappy client to be their customer.
XXXX implies that I am responsible for these newly classified transactions, yet XXXX has not met their burden of proof. I never authorized any of the hundreds of disputed transactions. XXXX offers no proof claiming otherwise. XXXX position that I am responsible for the transactions is not supported by any evidence whatsoever.
XXXX bases their inaccurate conclusions on a false claim that I requested a security closure that prevented them from closing my account. XXXX statement fails on XXXX counts.
XXXX claim that I somehow asked to be plagued by the headaches associated with another useless round of security theater s untrue and does not hold up to the mildest of scrutiny. The truth, available on XXXX recording of the session, is that on XX/XX/XXXX and again on XX/XX/XXXX I directed XXXX to permanently close my account and begged XXXX XXXX to send a new card or to engage me in yet another useless round of security theater that had shown itself completely ineffective at achieving account security. Recordings amply demonstrate that my version of events is accurate and that XXXX attempt to blame me is false and untrue.
The recording also captures what I interpreted as a threat by the XX/XX/XXXX XXXX. There is plausible deniability around her words so my observation might not hold up in court. Yet the unjustified attack XXXX has launched against me is remarkably similar to what she threatened.
My instructions were clear and unambiguous. Even a biased investigator would find it hard to conclude that I asked for the account to remain open when I so clearly intended to close it. Given the nonsensical conclusion and the possibly threatening behavior of the XX/XX/XXXX customer service rep, it is natural to wonder if perhaps the investigator was misled or dissuaded from reviewing the available documentation that shows my version to be accurate. Regardless of how the erroneous conclusion was reached, contemporaneous notes and recordings from XX/XX/XXXX support my version of events, while also demonstrating that XXXX version is inaccurate. XXXX reliance on this false statement is deeply troubling. It raises questions about whether other aspects of XXXX investigation can be trusted.
Second, XXXX claims they could not close my account because a security process was underway. XXXX claim that their hands were tied is false in that it ignores the fact that computer over-ride procedures surely exist. More to the point, even if XXXX XXXX took an action that prevented my account from being closed at the time of my request, XXXX fails to explain why they did not close the account later, once the unwanted security process was complete. XXXX offers a poor excuse, yet not a single legitimate explanation as to why they ignored my instructions to close the account or for why XXXX then went on to directly disobey my instructions and open an unwanted account in my name, only to leave it wide open to continued fraud.
Nothing but XXXX stopped XXXX from permanently closing my account in a timely manner. I am not responsible for XXXX refusal and/or failure to follow my instructions. I am responsible to pay my debts, which I did. I am not responsible for XXXX challenges following clear instructions providing customer service and / or security. There is no basis for XXXX to force me to be a customer against my will. XXXX operated in an unauthorized manner when they opened an account in my name.
XXXX acted on their own accord and disobeyed my clear, direct and legitimate instructions. Without my authorization, XXXX opened an unwanted account in my name. They mailed an unwanted card to an address Ive reported to them, upwards of XXXX as both wrong and unsafe. Then, after creating this security risk, and without waiting to verify my identity using their activation process that is supposed to protect me, XXXX allowed new fraudulent charges to accumulate on the account. The unwanted card was never activated. Ive never seen it. I do not know the account number. I am prohibited from discussing it with XXXX. Now XXXX wants to blame me for their outrageous offenses against basic customer security. All charges on the account are, by definition, unauthorized. I am not responsible for them.
I never received or activated the latest card nor have I ever had access to the account or even to XXXX CSRs to discuss the account. As noted above, without the account number, XXXX security protocol prevents me from speaking to them about the account. My position is that I am not responsible for any charges, fraudulent or legitimate, that were incurred AFTER I directed XXXX to permanently close the account. I am not responsible for charges to an un-activated account. Any such charges are, by definition, unauthorized and not subject to collection.
XXXX own actions and inactions created this unwanted account. Then XXXX ineffective security procedures opened the door to additional fraud. Now XXXX is intimidating me in an unjustified attempt to collect approximately {$300.00} in transactions that would not even exist had it not been for XXXX own actions and inactions in this case. The devastation created by XXXX is unjustified and is out-of-proportion to the size of the debt.
I have never knowingly done business with XXXX, never authorized any transactions with XXXX. I have no pattern of purchasing similar products or in similar patterns. Screenshots from XXXX XXXX confirm that I never ordered from them in the past and never placed *any* card on file with them, let lone the current one. XXXX offers no evidence that I ever authorized any of the hundreds of fraudulent, unauthorized, robotic XXXX transactions. XXXX has not met their burden of proof.
In spite of XXXX new and surprising claim that the disputed transactions are not fraudulent, there are ongoing television news stories showing that XXXX is associated with a credit card scam similar to the scam XXXX transactions XXXX keeps allowing on my account. XXXX offers no explanation or support for their new classification. This, along with XXXX own previous statements, notifications and behaviors that all treated XXXX as fraudulent, raises questions about the basis for XXXX new classification, its accuracy or where it came from. It is unclear if XXXX hopes to apply their new classification to the billions of unauthorized XXXX transactions among their other clients, or if this new classification was developed solely as an investigation tactic related to my account. Regardless of whether XXXX is applying this new unsupported classification fairly, across the board or solely to me, my case does not rest solely on a finding of fraud. Disputed debt consists solely of transactions that XXXX previously identified to me, and I then confirmed as fraudulent plus fees that XXXX charged me after I twice directed XXXX to permanently close the account. My position is that I am not responsible for any of these charges.
XXXX makes false claims, yet fails to demonstrate the inaccuracy of any of my claims. XXXX has not shown any proof that I ever authorized the disputed transactions. No such proof exists. I am innocent in this matter. XXXX investigation is inaccurate and incomplete and comes to a false and unjustified conclusion. XXXX devastation of my credit score is intimidating, damaging and unjustified.
Nearly all of the disputed transactions took place in the XXXX period AFTER XX/XX/XXXX, when I first directed XXXX to permanently close my account. XXXX claims that I somehow asked to be plagued by the headaches associated with another useless round of security theater. The allegation is both untrue and does not hold up to the mildest of scrutiny. The truth, available on XXXX recording of the sessions, is that on XX/XX/XXXX and again on XX/XX/XXXX I directed XXXX to permanently close my account and begged XXXX XXXX to send a new card or to engage me in yet another useless round of security theater that had shown itself completely ineffective at achieving account security.
My first position is that I am not responsible for unauthorized charges that both XXXX and I had previously identified and reported as fraudulent on multiple occasions. My second position is that any charges accepted AFTER XXXX was instructed to permanently close my account are unauthorized and not subject to collection. My second position does not rest on a finding of fraud.
The only thing stopping XXXX from permanently closing my account was XXXX. XXXX claim that a computer can not be interrupted implies that there is no such thing as a manual over-ride in a computer system. This is difficult to find truthful. Additionally, IF it was true that the process could not be interrupted, then XXXX also fails to explain why they did not close my account once the unwanted process that XXXX initiated was complete. XXXX excuses do not explain why they did not implement my instructions once the process that they had instigated against my wishes was complete. In the absence of a legitimate basis for refusing to close my account, XXXX was obligated to close the account. No such basis has ever been stated, either at the time my instructions were given or now, in XXXX XX/XX/XXXX letter.
XXXX misguided pursuit of this debt is aggressive. Even if I was guilty, which I am not, XXXX punishment far outweighs the alleged crime ( I stand accused of failing to pay XXXX {$300.00} in fraudulent and/or unauthorized debt ). XXXX damaging lies related to this tiny debt hare harming me. They already caused my previously perfect credit score to fall from XXXX to less than 400 in matter of XXXX months.
XXXX actions are wrong and they harm me. I am being treated as though I am guilty of something of which I am innocent and of which no proof has ever been offered against me.
XXXX unjustified actions impact my ability to find employment, to rent a home, to buy insurance, to obtain credit, to go to a hospital during a pandemic. I am a retired woman on a fixed income. If someone like me, XXXX, educated and with a certain amount of savings to mitigate the impact of XXXX intimidation, at least for a while, and a perfect credit score based upon decades of data about my credit behavior, can not get XXXX to stop this intimidation against me, I fear what happens to people who are more desperate and who may be easier to take advantage of.
XXXXHad XXXX protected my account, rather than leaving it wide open to repeated fraud, I would not have felt that permanently closing the account was my only option.
*Had XXXX closed the account as directed, then none of these new charges would exist.
*The ONLY reason any charges exist on my account is because XXXX disregarded my instructions, issued me an unwanted new card, began accepting charges on the new card even though I never activated the card, then left my account wide open for continued fraud.
For these reasons, my position is that I do not owe this debt, that XXXX should have protected me from these continued attacks. Since XXXX could or would not protect my account, they are now obligated to reverse the charges.
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| 12/06/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. United Collection Bureau & BAL. {$180.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/15/2019 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I contacted United Collections Bureau Inc. to make the monthly payment I agreed to make today, XX/XX/2019. I have a concern about the type of questions the representative asked me and the information she tried to collect - particularly the way she tried to collect it. Initially, she asked me to verify my identity by requesting name, address etc.- then without informing me that the next questions were not required and were not part of the security questions, she proceeded to piggyback right on the security questions to ask me where I worked and what my husband 's name was. It was only after I asked why she needed this information that she told me these were questions the creditor who hired them requested them to ask.
She made NO distinction whatsoever between the questions she said she had to ask to verify for security purposes and the questions about who I worked for and my husband 's name. She gave no indication whatsoever, that these questions were not part of the security format.
What clued me in was when she asked for my husband 's name- not IF i had a husband but who he was- just as if she was verifying information she already had- not clarifying that she was gathering new information. I know this, because I have never provided any such information like that at all- not to UCBI and not to the creditor. I am convinced she was trying to gather information under a duplicitous manner. Once I challenged why she needed this information, THEN she told me giving that information was voluntary and claimed the creditor was the one requesting UCBI gather this information and she stopped asking more questions. I would like to make it clear that asking personal questions in a coercive and duplicitous manner is NOT voluntary. If I am not aware that I have the option to provide or not provide this information, and it is presented as part of a necessary security verification format- then I am not volunteering at all- it is implied that I HAVE to provide this information to complete the transaction I legally need to complete.
UCBI does not offer an option to make payments on line and does not provide bills or billing stubs or addressed envelopes once the debtor makes the decision to pay partial debt.- This pretty much limits my options to calling UCBI and make my debt over the phone. Now I feel my privacy and security is at risk due to this dubious collection of information.
The second part of my complaint is that multiple times during THIS phone call, I made it clear I was NOT going to pay the entire amount and I would only be paying what I had said I would. She pushed the matter several times and at last said, " What about your tax refund? Do you get one of those? ( or something VERY close to that if that is not the exact wording ). I said, '' I am not interested in paying more than $ XXXX and I am not discussing the matter further. Do not ask again.
I feel that since I made it clear more than once and right at the very beginning, that I was only going to pay $ XXXX amount and would not be paying the whole amount, that the repeated attempts to dig into my personal information ( ie asking about a tax refund ) was a form of harassment. She stepped way over the line of collecting my offered payment and attempting to further push her way into my financial situation and make judgement calls on whether or not I could pay my debt. I am interested in what I should do the next time I call, to prevent such an audacious, sneaky and obtrusive conversation the next time I attempt to make a payment. If I have to be exposed to this privacy invasive technique and aggressiveness every time I call I may have to go through legal council.
As mentioned before, I have very reasonable concerns that without legal council I may be coerced into giving up personal information without my knowledge that will cause me harm and that I will continue to be pressured and reproved every time I try to pay what I can in installments instead of the paying the bill in full.
I want to make it clear that I do not now nor ever will allow this company to ask any personal questions beyond what the law requires they ask to confirm for security purposes. I do not agree to have representatives make further attempts to dig into my personal financial life to see what they can find to pressure me into paying more than I can afford. It is not their business to judge what I can afford or not afford and whether or not I am getting a tax refund or any other big pay out.
For context- this is a medical debt that was sent to this creditor while I was still recovering from treatment and was in repeated contact with my creditor attempting to sort out a payment plan. Due to multiple misinformation on the part of my creditor, I was unaware that the steps I had taken to address this debt were insufficient and not timely ( by a matter of mere days ) before this was sent to the creditor. I was completely caught off guard and that is what makes this situation even more concerning. Harassing a person dealing with a XXXX who did not make the decision to put themselves in this debt and has taken every possible step they know to address it within their financial means makes me feel they are taking advantage of my vulnerable position and I am concerned about what and how they are using the information they are trying to get from me.
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| 11/18/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THIS COMPANY " UNITED COLLECTION BUREAU , INC '' SENT ME CORRESPONDENCE IN THE USPS MAIL STATING I OWE AN ALLEDGED PURCHASED DEBT THAT I HAVE NO INVOLVEMENT IN THIS ALLEDGED DEBT.THIS IS A DUPLICATE ACCOUNT. I HAVE NO CONTRACUAL AGREEMENT WITH " UNITED COLLECTION BUREAU INC '' 15 U.S. Code 3002 - Definitions ( XXXX ) person means any individual, association, partnership, joint venture, corporation, State or political subdivision thereof, department, agency, or instrumentality of a State or political subdivision thereof, or any other organization or entity ; I AM A NATURAL PERSON I'M NOT THIS UPPER CASE NAME. MY NAME IS XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the United States defined. pursuant to 18 U.S. Code 8 - Obligation or other security of the United States defined .The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX currency , XXXX XXXX notes, XXXX XXXX XXXX notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
( XX/XX/1948, ch. 645, 62 Stat. 685. ) THE CORRESPONDENCE THAT " UNITED COLLECTION BUREAU , INC '' PURSUANT TO 15 U.S. Code 1692e.False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( XXXX ) The false representation or implication that documents are legal process.
( XXXX ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
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| 10/05/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I owned the state of Indiana a total of {$2200.00} for the XXXX tax year and {$370.00} for the XXXX tax year, which brings my total debt for both years to {$2600.00}. As such, I was contacted by UCB ( United Collection Bureau ) in XX/XX/XXXX. UCB ( United Collection Bureau ) is a third-party collection agency the state of Indiana hired to collect tax debs. I set up a monthly payment plan with UCB ( United Collection Bureau ) in an effort to pay this debt off. The first debt was on XX/XX/XXXX, and every month thereafter, the first week of each month.
On approximately XX/XX/XXXX, I received two certified mail letters via the US Postal Service from the Indiana Department of Revenue indicating I have a remaining {$190.00} for my XXXX state tax debt, and {$1100.00} remaining on my XXXX tax debt. Subsequently, on Friday, XX/XX/XXXX, I received a letter from the Indiana Department of Revenue informing me that there was a tax lien on my vehicle because of the unpaid above-listed tax debt. Needless to say, I was extremely confused because for over a year I have successfully paid on this tax debt. As such, on Monday, XX/XX/XXXX, contacted both the Indiana Department of Revenue and UCB ( United Collection Bureau ) because I assumed this tax lien was placed on my account in error. I spoke with a representative from the Indiana Department of Revenue and she confirmed that the lien was valid and the debt had not been paid. I informed her I was paying this debt to their third-party collections agency UCB ( United Collection Bureau ) XXXX she indicated she could not see this data ; I informed her I would contact UCB ( United Collection Bureau ) directly, however ; I wanted to file an official complaint and wanted to speak with a supervisor. She provided me with a link to the online 56317 ( Protest Submission Form ) form, which I completed and sent to XXXX She indicated a supervisor would be contacting me within the next 24 hours. I then contacted CB ( United Collection Bureau ) on XX/XX/XXXX, and left a voice mail message requesting they contact me.
UCB ( United Collection Bureau ) returned my call on XX/XX/XXXX ; I initially spoke to XXXX XXXX, and she informed me that the state of Indiana made some 'changes '' that caused my payment plan to detective and they sent me a letter asking I contact them to reestablish the payment plan. I informed her I have never received anything from UCB ( United Collection Bureau ) and she stated they not only sent the letter, but they have also sent monthly statements to my address of file, which I verified was correct. XXXX indicated statements were to my home address on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I informed her I have never received any of these statements. I asked her specifically what date was the letter indicating I had to reestablish my payment plan sent and dated. She could not provide me with this information. After continuing to demand the date the letter was sent to me, XXXX lied and said it was sent with the XX/XX/XXXX statement. I informed her I did not believe her and I wanted to speak with a supervisor. She transferred me to XXXX XXXX.
XXXX informed me that the Indiana Department of Revenue changed its reference numbers to all customer 's accounts in XX/XX/XXXX thus, requiring all customers to reestablish their payment plans. XXXX informed me that my original reference numbers were as follows : XXXX Ref # : XXXX - {$370.00} XXXX Ref # : XXXX - {$2200.00} My new reference numbers are as follows : XXXX Ref # : XXXX {$190.00} XXXX Ref # : XXXX - {$1100.00} XXXX indicated that the letter informing me I had to reestablish my payment plan because of the above reference number changes was sent to me on XX/XX/XXXX, at XXXX pm. I informed XXXX I did not receive anything from UCB ( United Collection Bureau ) and asked that he please resend me this letter via US Postal Service or email. XXXX indicated he could not resend the letter, I asked why and he could not provide me with an explanation. I informed him this was a violation of my rights by not notifying me of these changes. XXXX continued to insist that a letter was sent however, he could not provide any evidence of this thus, causing the Indiana Department of Revenue to put a lien on my vehicle. I asked if I could access this letter via their online portal he said I could not access the letter and/or any of the monthly statements. I informed him I would be reporting UCB ( United Collection Bureau ) because of their negligence and lack of communication which caused the Indiana Department of Revenue to place a tax lien on my vehicle.
To date, I have not received any communications from UCB ( United Collection Bureau ) via US Postal Service, email, phone call, etc.. and because of this, I have been penalized by the state of Indiana for neglect to pay a tax debt. Their negligence and lack of communicating any changes to my account directly impacted and caused my account with the Indiana Department of Revenue to reflect negatively for non-payment of tax debt.
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| 10/05/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I owned the state of Indiana a total of {$2200.00} for the XXXX tax year and {$370.00} for the XXXX tax year, which brings my total debt for both years to {$2600.00}. As such, I was contacted by UCB ( United Collection Bureau ) in XX/XX/XXXX. UCB ( United Collection Bureau ) is a third-party collection agency the state of Indiana hired to collect tax debs. I set up a monthly payment plan with UCB ( United Collection Bureau ) in an effort to pay this debt off. The first debt was on XX/XX/XXXX, and every month thereafter, the first week of each month.
On approximately XX/XX/XXXX, I received two certified mail letters via the US Postal Service from the Indiana Department of Revenue indicating I have a remaining {$190.00} for my XXXX state tax debt, and {$1100.00} remaining on my XXXX tax debt. Subsequently, on Friday, XX/XX/XXXX, I received a letter from the Indiana Department of Revenue informing me that there was a tax lien on my vehicle because of the unpaid above-listed tax debt. Needless to say, I was extremely confused because for over a year I have successfully paid on this tax debt. As such, on Monday, XX/XX/XXXX, contacted both the Indiana Department of Revenue and UCB ( United Collection Bureau ) because I assumed this tax lien was placed on my account in error. I spoke with a representative from the Indiana Department of Revenue and she confirmed that the lien was valid and the debt had not been paid. I informed her I was paying this debt to their third-party collections agency UCB ( United Collection Bureau ) ; she indicated she could not see this data ; I informed her I would contact UCB ( United Collection Bureau ) directly, however ; I wanted to file an official complaint and wanted to speak with a supervisor. She provided me with a link to the online XXXX ( Protest Submission Form ) form, which I completed and sent to XXXX. She indicated a supervisor would be contacting me within the next 24 hours. I then contacted CB ( United Collection Bureau ) on XX/XX/XXXX, and left a voice mail message requesting they contact me.
UCB ( United Collection Bureau ) returned my call on XX/XX/XXXX ; I initially spoke to XXXX XXXX, and she informed me that the state of Indiana made some 'changes '' that caused my payment plan to detective and they sent me a letter asking I contact them to reestablish the payment plan. I informed her I have never received anything from UCB ( United Collection Bureau ) and she stated they not only sent the letter, but they have also sent monthly statements to my address of file, which I verified was correct. XXXX indicated statements were to my home address on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I informed her I have never received any of these statements. I asked her specifically what date was the letter indicating I had to reestablish my payment plan sent and dated. She could not provide me with this information. After continuing to demand the date the letter was sent to me, XXXX lied and said it was sent with the XX/XX/XXXX statement. I informed her I did not believe her and I wanted to speak with a supervisor. She transferred me to XXXX XXXX.
XXXX informed me that the Indiana Department of Revenue changed its reference numbers to all customer 's accounts in XX/XX/XXXX thus, requiring all customers to reestablish their payment plans. XXXX informed me that my original reference numbers were as follows : XXXX Ref # : XXXX - {$370.00} XXXX Ref # : XXXX - {$2200.00} My new reference numbers are as follows : XXXX Ref # : XXXX {$190.00} XXXX Ref # : XXXX - {$1100.00} XXXX indicated that the letter informing me I had to reestablish my payment plan because of the above reference number changes was sent to me on XX/XX/XXXX, at XXXX XXXX. I informed XXXX I did not receive anything from UCB ( United Collection Bureau ) and asked that he please resend me this letter via US Postal Service or email. XXXX indicated he could not resend the letter, I asked why and he could not provide me with an explanation. I informed him this was a violation of my rights by not notifying me of these changes. XXXX continued to insist that a letter was sent however, he could not provide any evidence of this thus, causing the Indiana Department of Revenue to put a lien on my vehicle. I asked if I could access this letter via their online portal he said I could not access the letter and/or any of the monthly statements. I informed him I would be reporting UCB ( United Collection Bureau ) because of their negligence and lack of communication which caused the Indiana Department of Revenue to place a tax lien on my vehicle.
To date, I have not received any communications from UCB ( United Collection Bureau ) via US Postal Service, email, phone call, etc.. and because of this, I have been penalized by the state of Indiana for neglect to pay a tax debt. Their negligence and lack of communicating any changes to my account directly impacted and caused my account with the Indiana Department of Revenue to reflect negatively for non-payment of tax debt.
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as I'm 100 % sure it is inaccurate.
I submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " I received a 2 page list of different fees and what appears to be ALOT of medical information shared with UCB that I did not authorize. According to article 15 U.S.C. 1681 Section 602 A., states 'I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. I understand basic information is to be shared however I DID NOT AUTHORIZE my sensitive medical information to be shared with UCB which is all over the paperwork they sent me to verify. I asked them to verify a itemization i did not give them permission to receive very very sensitive medical information.
There are many issues that need to result in this being removed from my credit report and in addition to the ones I already mentioned, here is another. Many of the items of " medical care '' on the validation list, I did not in fact receive. I was billed for numerous items that were not indeed performed. The breakdown does not show an itemization of what balance of each item was paid and what was not paid and or resulting in a left over balance of the {$1500.00}. FOR EXAMPLE if a blood test cost {$550.00} what portion balance ( {$550.00} ) of that blood test remains???? I spoke to billing in the hospital in addition to my physician in regards to items I was billed for that I did not receive and was assured it would be adjusted. Your company is now reporting collection on my credit report fraudulently as the items your attempting to bill for are inaccurate.
There are also services listed on the breakdown that were provided by providers that are not named and listed on the validation request. Only my primary dr is listed. The reason this is important is because I'm being charged for service that were provided by Out of Network providers that was never made aware to myself prior to consent to which I am protected under the No surprises act! This was considered Emergent care and I am protected under the rights made forth by the XXXX!
If your company can not accurately explain what each item originally was billed for and what the remainder balance of each one of those items in addition to all the other concerns I listed above than you need to cease and remove all negative reporting as you're not following FCRA guidelines. And lastly I received a call from an agent from UCB whom said I owed this debt. I asked what was the debt and he could not answer because I wouldn't give him my personal/sensitive information to verify. This agent called me an disgusting name and my husband recorded it on his phone which I have saved. The same agent then called me 6 more times. I am completely appalled that this agency is allowed to run after all of this unprofessionalism. I will be taking legal action on my behalf against UCB if this is not addressed and resolved properly.
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| 07/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Consumer has received offer from your company. The listed account is an account you are claiming to be mine. Your company states that you a debt collector collecting on a previous debt. I ask for United Collection Bureau to produce promissory note, original signed contract, bill of sale with price or purchase order, evidence of lien, evidence of my signed authority for your company to solicit me using my private personal information that I never provided to United Collection Bureau. This is a false and misleading practice of deception. This is identity theft. You are violating the FDCPA and CalCivCode 1565-1590 contract law. If United Collection Bureau have a valid contractual agreement signed by consumers agent that require the consumer to pay on a promissory obligation, then United Collection Bureau must provide that contract to consumer as proof. United Collection Bureau chooses to violate Rosenthal Fair Debt Collection Practices Act.
Because the consumer has no legal obligation to United Collection Bureau, EXCEPT TO RESPOND TO THIS NOTICE then United Collection Bureau must cease and desists all communications including consumer reporting communication. 15 U.S. Code 1692c states a debt collector may not communicate with consumer without prior consumer directly consenting to debt collector. As the consumer previously stated to United Collection Bureau, under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer furnishing of information and consumer report can not have personal transaction history. Consumer points out according to 12 CFR 1016 you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. It further states that the consumer has the right to opt out at any time. You failed to provide either of this information within the letter to consumer. YOU MUST NOT REPORT TO CONSUMER REPORT. 12 CFR 1022.24 reasonable opt-out opportunity must be provided.
As stated before you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize United Collection Bureau to obtain in anyway my private information including alleged debt and use it against me.
As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.
The consumer will take it a step further in seeking remedy per 15 USC 1692k. The consumer MAY demand compensation for each month of violations of {$1000.00} per month until account is removed if reported on consumer report. Failure to comply will lead to identity theft complaints with the FTC and Comptroller. By continuing the use of my personal stolen information, I may also file complaint with XXXX of California. I may also seek audit via IRS. I take my consumer rights very serious. Please unless concerning remedy to me United Collection Bureau must cease and desist all other communications including consumer reporting. Consumer may use all information against you as proof of claim for potential lawsuit.
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| 04/18/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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United Collections Bureau claimed they sent a debt collections letter on XX/XX/2021. I received the letter from the United Collections Bureau on XX/XX/2021. The letter stated that I owed a debt to XXXX XXXX XXXX in the amount of {$450.00}. I sent them a debt validation letter on XX/XX/2021 to gain information about the debt. I never spoke to them over the phone and kept everything by mail. United Collections Bureau sent a validation response on XX/XX/2021 that arrived by mail to me on XX/XX/2021. The paperwork was bank statements from XXXX XXXX XXXX for a payday advance-style account. I didn't recognize the debt in the account specified in the paperwork. The paperwork also stated that the account had been charged off over a year ago. I also noticed that there was not any paperwork for the original contract, with an actual, legible signature, related to the debt. I have no evidence of when it was sold to the debt collection agency and I am not even sure if this account can be verified since there is a possibility that the account has been sold repeatedly. I need to know immediately whether or not United Collections Bureau has ownership of this debt, the legal authority to collect it, and that this is not a scam collection. Given the paperwork that United Collections Berau sent me, they acquired this claimed debt on XX/XX/2021 at the latest. I disputed the debt in the form of a verification letter on XX/XX/2021 since it was missing the information of who the creditor is and how the debt was collectible by United Collections Bureau. For some reason, in the latest correspondence from the United Collections Bureau on XX/XX/2021, the employee Ms. XXXX assumed that I wanted to cease communication by mail. This is not what I stated in the dispute letter I sent on XX/XX/2021. I clearly stated that United Collections Bureau needs to close my account and throw out the debt if they can not prove ownership and the right to collect the debt. I need for them to continue to send me mail correspondence about this debt until it is resolved. I am mailing them a letter to confirm that they will send me mail correspondence in regards to this account moving forward. She also did not answer whether or not United Collections Bureau owned this debt or had the authority to collect it which was also written in my XX/XX/2021 verification letter. United Collections Bureau violated my FDCRA and FCRA rights when the debt collection letter was received over two weeks after I requested the debt validation. They also have not made it clear whether or not I legally have to pay them for this debt and whether or not they are the creditor of this debt.
Also. They do not have my DOB, Social Security Number, Full Name, and other identifying information that they asked me for. I refuse to give it to them and have copies of all of our correspondence thus far. Please also obtain any documentation from them in writing instead of word of mouth. I am concerned that they have given me false information during our mail correspondence. They also misspelled a lot of my personal information in their response letters. Just saying.
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| 07/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
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This personal loan originated with XXXX XXXX. When I fell behind on payments, it was transferred to XXXX XXXX XXXX. On Friday XX/XX/XXXX, I reached out on to the United Collection Bureau who was attempting to collect the debt for XXXX. I spoke with a XXXX XXXX ( XXXX ) and attempted to settle the debt for less than the original amount. I do recall the amount of {$7500.00} being discussed while negotiating on the settlement. I told him that I would be able to make 2 payments, one at the end of XXXX and another at the end of XXXX. XXXX XXXX then said that he would be able to accept one payment of {$3500.00} and another for {$3000.00} to settle the account. I agreed to these terms and was read many disclosures on a recorded line. XXXX XXXX said that he would send me something via email to document our agreement. I called him back after not receiving anything and he said that he would have to create another email. Over the phone XXXX XXXX again confirmed the amounts of {$3500.00} and {$3000.00} when I asked. Shortly thereafter, I received the email ( # XXXX, Password XXXX ) detailing {$3500.00} for XX/XX/XXXX and {$3000.00} for XXXX.
I didn't realize the second date was wrong until receiving a payment agreement mailer from UCB ( # XXXX ) on Monday XX/XX/XXXX for {$3000.00} to be deducted on XX/XX/XXXX. I called right away Monday date and spoke with a different representative after asking for XXXX XXXX. I explained that the date was incorrect and asked it be changed to XX/XX/XXXX. Instead, he told me that the amount needed for settlement was {$4000.00} and not the {$3000.00} indicated in the letter. I explained to him that I verified these totals with XXXX XXXX twice and he said that XXXX XXXX made a mistake. He transferred me to his supervisor XXXX XXXX XXXX ( XXXX ).
XXXX XXXX repeated that the settlement was for {$7500.00} and that the paperwork I had received via email did not include the word settlement thereby claiming that it wasn't official. I told her that I felt this was unfair as they were attempting to change the agreed upon deductions of {$3500.00} and {$3000.00} to settle the account. I explained to her that twice I confirmed with XXXX XXXX the only two amounts of {$3500.00} and {$3000.00} and the only two dates that were given to me to settle the account. XXXX XXXX even said that she listened to the recorded phone call but said that I now will not be able to settle the account without paying an additional {$1000.00}. I reiterated that I felt this was unfair and told her that I would need to speak to somebody else and that I would call her back before month end. I asked XXXX XXXX to please change the date for {$3000.00} on XX/XX/XXXX and she said she would.
I soon received an email ( # XXXX ) from UCB showing {$3000.00} deducted for the correct date of XX/XX/XXXX to include the following verbiage, " On XXXX, UNITED COLLECTION BUREAU , INC. agreed to accept the sum of {$7500.00} '' The password required to open the PDF documents is XXXX.
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| 10/12/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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United Collection Bureau calling one of my family members on XX/XX/2020 at XXXX XXXX. over a debt that is not theirs or I don't know what they are talking about, This company keep asking my for my name, birthdate, and the last 4 of my SS number without them telling me where they are located and anything about their company. They have violated Fair Debt Collection Practices Act. They violated section 804. Acquisition of location information I called them on XX/XX/2020 a lady name XXXX answered the phone I ask XXXX for their location and what did UCB stand for she told me that she did not their address and XXXX told me what UCB stood for. XXXX put me on hold the next thing I know a supervisor name XXXX XXXX to me to XXXX them and he was not going to tell me where this UCB was located I found out they are United Collection Bureau I respectfully request that you provide me with the following : 809. Validation of debts I'm requesting ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that notifies the me the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
( 5 ) A written request statement within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor.
( 6 ) Proof that your are licensed to collect debts in Indiana.
( 7 ) Proof of the last payment made on the account debt you call about.
I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights.
I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights.
Because I am disputing this debt in writing within my 30 days as of XX/XX/2020 after my first ever contact with XXXX, and supervisor XXXX XXXX from United Collection Bureau. You must obtain verification of debt against me and mail these items to me at your expense. You can not add interest or fees and any attempt to collect this debt without validation, it violated the Fair Debt Collection Practices Act If you have already reported this debt to any credit-reporting agency or credit bureau then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
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| 05/18/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Hello, my name is XXXX XXXX. Im filing a complaint today because I believe Im being held accountable for a debt thats not mines nor was valid. The UCB collection agency claims I owe a amount of {$880.00} for a medical bill. I kindly sent them a dispute letter in XX/XX/2022 asking them to send me information about this dispute. Along with the letter I sent a copy of my drivers license so they could know that it was me sending the letter and that I just want them to send me the information I asked for and not to call me. About a week into me sending the first dispute letter I saw on my XXXX XXXX thats the collection bill of {$880.00} has been CLOSED, it stated so I thought ok they got my letter and everything was resolved. A couple days later I saw that the collection bill for {$880.00} was put back on my report. I was very confused and frustrated, so I called UCB ( the collection agency ) and this girl answered and Im telling her whats going on and she told me that oh yeah we do take the collection off and put it back on each month as a update and Im like What??? That sounds so stupid, obviously she did not know what she was talking about because I never heard anything like that. So Im telling her listen you guys need to send the information I asked for if you cant do that then remove this off my report. She stated that they just sent out information to me and I should be receiving it soon in the mail. I told her ok and I didnt want to talk anymore over the phone and to just send me information through mail. I waited for the information to come through the mail and it never came. It was well over the 30day mark we were in the end of the month of XX/XX/2022 and this was still on my report. I did receive a call from the agency around this time and they asked me to verify my name and address which I did and I politely told the man I did not want to discuss anything over the phone I sent a dispute letter asking for more information and never received anything. I politely hung up and around XX/XX/2022 I sent another letter to the UCB collection agency, explaining that I sent a dispute letter and I havent heard from you guys within a month. I told them to please remove this off my credit report as Im XXXX XXXX and I already have enough problems. Today is XX/XX/2022 and I looked on my XXXX XXXX and it says that they closed the account again. Im writing this complaint because I want this collection closed for good and I dont want to have to worry about this anymore. Also I noticed that they did not remove this collection bill for the month of XXXX so that was suspicious since the girl said they *update each month removing and putting it back on my report. Anyway I would like some answers as to why they havent validated this bill with information and why they keep closing the account and reopening it. As of today XX/XX/2022 it shows the account is closed.
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| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I had received a medical bill from XXXX XXXX hospital, service date XX/XX/XXXX for {$2700.00}, It had been sent to United Collection Bureau Inc. XX/XX/XXXX.ref # XXXX. I had set up a payment plan with them starting XX/XX/XXXX, of at minimum $ XXXX/mo. paid XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 1XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$200.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- not written down?, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 8/18- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$50.00} XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00} & {$50.00}.
for my last payment of {$79.00} I was no longer able to pay this account online. said i needed to call to re-register. so i called the number and they told me the account was no longer with them it had been sent to an attorney. (? ) they said they could not discuss the account with me or the schedule of payments that had been made. gave me the number for the attorney, XXXX, XXXX, XXXX XXXX XXXX. the person i spoke with there said they had just received the file XX/XX/XXXX- 2 days before my due date. and to pay online or over the phone there would be an additional fee. also stated there was an additional account with them for me from a radiology company for {$230.00}. I have no idea what this would be. she also gave me the file # to reference when sending a payment, File # XXXX.
But my complaint is that i had been paying on this as well as 5 other medical facility bills and with the last payment they transfer it to another company so it will be again reported on my credit as a new account. when i had been paying and ready to pay off- for one i had no notice written or otherwise that this was going to be transferred or i would have paid it off prior to the transfer. I am sure this happens a lot to others as well and it is not a fair thing to do when a consumer is actually trying to do the right thing in paying their debt. I am familiar with the credit bureau rating on these accounts as i watch my credit often. And a newly reported collection does not fair well on ones credit report/scores. it is bad enough that once it is reported and you start paying on it your credit takes a hit every month just because there is activity on a collection account. but to have these companies transferring the debt all the time to report as new debt is not a Fair or right thing to be doing. I appreciate your assistance in resolving this issue. I would be able to pay the debt if they would stop adding additional fees, and transferring it to places without notice.
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| 09/14/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I sent dispute to all three credit bureaus and XXXX and XXXX removed the United Collections Bureau from my reports on XX/XX/XXXX. XXXX stated that they verified information was accurate. United Collection Bureau-XXXX and United Collection Bureau-XXXX. On XX/XX/XXXX I sent this letter via online, " I do not believe you did an investigation. This means you are now required to prove that there was in fact an independent investigation and Im certain that I shouldnt have to reference anything because youre required to know the law, but section 609 protects me against false reporting and I should point out here that Thats exactly what this is! " .On XX/XX/XXXX XXXX came back with account verified. I did not receive any documentation of the investigation done by XXXX. On XX/XX/XXXX I sent another letter via online, I recently received an answer to this dispute Report # XXXX, which says that the account UNITED COLLECTION BUREAU- XXXX was verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision.
I am requesting the Method of Verification for the following disputed account. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ).
This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account.
Please provide the following items, identify items by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.
1. The name of the original creditor 2. The creditors address and telephone number 3. The name of the person at XXXX who verified the dispute with the original creditor 4. The name of the person at the original creditor you verified the dispute with 5. The documentation used to verify the dispute On XX/XX/XXXX received response from XXXX for both accounts as it remains and once again did not receive any documentation from XXXX.
on XX/XX/XXXX I called XXXX XXXX XXXX and spoke to XXXX for both accounts and requested the records for the files on XXXX and XXXX. She told me that they only have a detailed bill I also asked for the HIPPA form I signed to release this information to anyone. They dont have it and they have no record of any Bureau memos disputing this account. I then called UCB representatives XXXX and XXXX from the Extreme Department and I requested to open another dispute and to please investigate the information. They both told me they do not investigate accounts, that they are data furnishers only, I asked for a supervisor and both refused a supervisor.
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| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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CONDESCENDING!!! UNPROFESSIONAL!!!
Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former XXXX XXXX XXXXXXXX, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less!
I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check.
As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager.
From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation.
I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE.
I told him he was being condescending and that I didn't appreciate the way I was being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me.
I have a XXXX XXXX which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense.
I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is.
I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.
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| 09/08/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, in regards to an overdraft with XXXX XXXX XXXX, XXXX, Kentucky, XXXX, for the amount of {$300.00}, stating that if I pay within 40 days of the initial contact, I could settle for the amount of {$240.00}. I was not able to pay that amount within the time period allotted me, so I had to wait until I received my Tax Refund as my son and I live below poverty guidelines for the State of Kentucky, as I earn low wages. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, that my account was credited the {$300.00}, as I was able to pay the debt off for XXXX XXXX XXXX, and did so over the phone, and the letter states that XXXX XXXX notified their client that the debt was in fact settled and paid off.
Not long after I paid off the debt with XXXX, I began receiving letters from another collection agency, called United Collection Bureau , INC., XXXX XXXX XXXX, XXXX, Ohio, XXXX, demanding I pay {$650.00}, and this letter was also sent on behalf of XXXX XXXX XXXX, but I could settle for {$260.00}. I did not owe XXXX XXXX XXXX anymore money, as XXXX XXXX XXXX closed my checking and savings accounts, due to the overdraft, and sending the initial bill of XXXX to XXXX XXXX. I have received three harassing letters from United Collection Bureau. The last letter was on XX/XX/XXXX.
Recently I began getting harassed by another XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX, stating they are reaching out again, on behalf of XXXX XXXX XXXX, to collect the same amount as United Collection Bureau, {$650.00}, and I have been receiving harassing phone calls from XXXX since last week, from two different numbers : XXXX ( XXXX ) XXXX ; XXXX ( XXXX ) XXXX. They call and try to get me to verify my name, and my address, which I refuse to do.
So, either XXXX XXXX XXXX has a dishonest employee, that sold my information to these collection agencies, or XXXX XXXX has sold my information. It looks like United Collection Bureau and XXXX are the same company, or UCB decided to sell my information to XXXX. I believe this has been a scheme that either began with XXXX XXXX XXXX or XXXX XXXX.
I am extremely stressed as an older single mother, XXXX as of XX/XX/XXXX, of a XXXX year old son, we don't have a tremendous amount of money. I do have proof in my other bank account, plus the letter from XXXX XXXX that I paid my debt in full to XXXX XXXX XXXX XX/XX/XXXX.
Thank you, XXXX XXXX XXXX
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| 06/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have had my phone number for 15 years and only my wife and I pay for this. Neither my wife nor I have anything to do with the debt. I have an adult family member with the same last name who is XXXX and XXXX kept dinging them {$40.00} per month even though full bill and interest was all paid. This complaint is not about that as that is the family member 's issue. The account was sent to collections at United Collection Bureau. The total amount of ~ {$400.00} for this family member was sent to them on the XX/XX/XXXX of the month saying it was the XXXX or XXXX. Then they offered pay terms if delivered back and received by the XXXX of the month. It's a bit hard to do that when they get it then. Again, that is not the issue. The next month, in XXXX, the family member ( not my wife or I ) got it on the XXXX or XXXX for payment on the XXXX. They said you could go online to pay. This family member does not have the money so I went online to pay for it. Options were put in a bank account number ( not likely given XXXX XXXX reputation ) or pay with a credit card. I entered in my credit card information ( and again, am not associated or a cosigner for the original debt ). It wanted my phone number so I refused. It would not go through. So, I begrudgingly put in my phone number, but it was my XXXX number which very few people have. I pressed pay again and it refused. The Collection agency called within a week on that number but wouldn't talk to me but the family member. The family member called back and they said they don't take credit card payments ( then why do they offer it ).
The complaint I have is that they took my phone number and put it in their system when the phone number said it was only needed for processing a payment. This is false representation. I then received at least 3 phone calls ( XXXX, XXXX, XX/XX/20 ) from XXXX even though they knew after the first one I was not the party whom collection happened. My phone number in question has been registered on the do not call registry. Thus, this is a violation as I have no business with them ( since they refused payment ) and the number is on that list. I would like full penalty payments to apply. Misrepresentation of collection of data and violation by calling a number on the XXXX list when there is no debt by me or my wife ( the owner 's of the phone number ).
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| 06/17/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against UCB Collections, for committing identity theft. I have never given ( UCB Collections ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).
I have not validated any alleged debt with ( UCB Collections ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving ( UCB Collections ) any right to collect on this alleged debt.
I have never received any documentation requesting validation from ( UCB Collections ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( UCB Collections, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( UCB Collections ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( UCB Collections ), continues its collection efforts, I will file for litigation for actual damages caused and ( UCB Collections ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 04/24/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My name is XXXX XXXX. I am authorized to speak on my wife 's behalf regarding this debt and complaint.
I received an initial debt collection letter from United Collection Bureau on XX/XX/22 for an unknown debt. The supplier is known to me.
On XX/XX/22, I responded with a debt verification letter advising the company that all communications must be in writing and refer to existing contacts. Not doing so would be considered by me as attempted intimidation. The lette was sent verified with a signature card. The signature card was sent back to me signed XXXX XXXX XXXX XXXX with the printed name XXXX XXXX XXXX Clearly this was not being taken seriously.
UCB responded in a letter dated XX/XX/22 ( rec 'd XXXX ) with a partial response to verification. They gave me something from the supplier I had never received but allowed me to trace the referenced debt. They, however, did not provide any documentation authorizing them to collect this or any debt on the supplier 's behalf.
On XX/XX/22, I responded with a letter stating I had paid the debt. I provided the invoice received, and the processed check. I stated unless UCB provided further documentation my documents referred to a different obligation, I would consider this matter closed. I restated that all communications must be in writing, and communications such as phone calls and letters not referencing ongoing communications would be regarded as harassment and reported to the CFPB. I sent this letter certified. It shows by USPS as being picked up on XX/XX/22.
After receiving the letter, my wife received several calls from UCB, who left voice messages. The messages were vague and referred to collecting a debt. We did not record the specific contents. On an unknown date, I received a letter dated XX/XX/22. The letter was not marked as communication from UCB and looked like junk mail. It referred to having " been unsuccessful in securing a payment arrangement on the above referenced account. '' It made no mention good-faith efforts to resolve this dispute as previously described. It also threatened " your account may be credit reported to credit reporting agencies ( sic ) '' These items I consider attempts at intimidation and harassment.
I have attached documentation to support the above statement.
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| 09/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX XXXX, Michigan - We visited XXXX Room in XXXX. We never received statement from them. When I contacted, always numbers are busy, one XXXX I got hold of them, they said no supervisors or managers available. I left a message for someone to call back but they never did. But the amount went for Debt collection.
XXXX is same as XXXX XXXX same as XXXX XXXX.
We are uninsured. We didn't get discount for selfpay. They expect us to pay full amount. Their policy for 20 % discount is only 7 days. No one can pay {$3300.00} in less than 7 days without receiving statement what we are billed for and it is accurate. They should have staggered due dates like less than {$100.00} one week ; less than {$1000.00} 2 -3 weeks more than {$1000.00} atleast 1 month from the date of paper statement received. Their policy is not practical and helpful for consumers.
I received Debt collection notice from UCB United Collection Bureau. I called them and mentioned that I have never received the statements from XXXX before. They said they don't contact XXXX. Because they don't know them. UCB said they can not make settlement with me. But they can send itemized statement.
Again, I called XXXX XXXX XX/XX/XXXX XXXX, it says if you received collection notice, press 1, when I press 1, it always comes busy tone. Then I spoke to someone out of state, she put the notes on the account to pull it back from Collections and said someone will contact me. Until XXXX I didn't receive any response.
I received a call from UCB on XXXX XXXX at XXXX with an authoritative voice stating that we have sent the itemized statement did you receive it or not. I said I didn't receive it. I also told her that I contacted XXXX and they are ready to pull the collectin back. But she we didn't hear from them. I told her to give them sometime because I just called last week XXXX. I received UCB itemized statement on XXXX XXXX. They didnt have patience to wait one or two days to call me.
Again, I received lots of calls from UCB but I answered only XXXX in the XXXX, I told him I just spoke to them XXXX XXXX and notes are in the account. You can not call me everyday and harass me. They started my week on the edge ;
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| 06/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing to inquire if you could help me with an aggressive collection company named United Collections Bureau.
The credit card debt from my XXXX XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX.
They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments.
I am XXXX and work part time as my condition permits. I have limited set income each month.
In XXXX, United Collections Bureau took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment.
Since United has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken.
Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay.
In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer.
All I can pay at the most is {$20.00} per month.
I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand.
Why if I have consistently paid the debt for more than XXXX years, should I be hounded by people who have bought my debt for pennies on the dollar?
Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged.
Any guidance you can give is greatly appreciated.
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| 07/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX 2015 I contacted XXXX XXXXXXXX, requested the balance on my account and the balance required to pay for my phone equipment in full. I was told that I needed to pay {$860.00}, and I paid the same. I immediately switched my phone plan from post paid to prepaid. I made the decision to pay for my phone equipment in full and switch to a prepaid plan because I wanted more control and predictability of my phone bill. I was not allowed to switch to prepaid unless I paid off the phone and my account was current. I am still on the pre-paid plan. Sometime after settling my post paid account, I was contacted By XXXX about balance due, and I explained that I had already settled the account. Nonetheless, the debt was posted on my credit report. The debt has now been sold or assigned to United Collections Bureau , Inc. ( UCB ), and they are seeking to collect behalf XXXX. I would like to United Collections Bureau , Inc. to stop contacting me and have XXXX XXXXXXXX, its assignor, remove the inaccurate from credit report. The balance XXXX XXXXXXXX seeks to collect is {$440.00}. I elected to be on the paperless plan and did not receive paper account statement at time the account as paid in full. The prepaid plan that I am on currently does not provide any type of monthly statement, neither electronic or paper. Therefore, when I log into my account, I have no access to my online statements for now or any time in the past. I have requested a payment history in the past on more one occasion and was told by XXXX XXXX that it would be sent. However, I have never received one. Lastly, I made a XXXX upgrade offered at the time. XXXX and UCB should verify that my account has been properly credited for my XXXX upgrade whereby credit from the old equipment is transferred to the new equipment. I am attaching a credit card statement to prove I made the payment described above to XXXX XXXX. I am also attaching an email sent to me by XXXX that a XXXX credit of {$400.00} would be made to my account. I am not sure if said credit is the root of the discrepancy, but the dollar amount is very close to the balance reported.
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| 09/30/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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XX/XX/2020 To Whom It May Concern : On XX/XX/2020, I have received a communication letter from a collector agency indicating the account balance that I owed to a credit card {$220.00} ( by the way, the statements of the credit card never reached my apartment due to the credit card statements was missing my apartment number ). The account is already closed. I communicated with the credit card company and asked them if they know anything about it. The credit card company double checked and said that nothing was wrong with my new credit card. They don't know anything about the closed account or the balance that I owned.
The account balance was {$220.00}, according to the collector agency. Then I disputed the charges writing a letter to the collector agency. The collector phoned me and asked my apartment number to send me those statements.
I received the credit card statements and I saw my apartment number was missing. Because the apartment number wasn't there, I thought that maybe that was the mistake. I don't remember having that credit card number before. On XX/XX/2020, I sent a check paying the full amount of the debt, {$220.00} in one installment, according to the communication letter that sent me on XX/XX/2020, by the collector agency. As I said, the account is closed. I'm a low-income senior, so I have decided to check my Credit Journey with my bank, and my bank informed me that my credit passed from poor to Fair after paying the full amount of the debt. That was great news for me.
Then I have received another communication letter stating that I still own a debt of the closed account. The debt corresponds to the interest amount of {$49.00}, and I should pay that amount by XX/XX/XXXX. I complained to XXXX, explaining that I paid the full amount of {$220.00} on XX/XX/XXXX and according to the communication letter received, and I don't owe anything anymore. XXXX sent me a notification indicating that I will get an answer on XX/XX/XXXX. So, getting an answer from XXXX after XX/XX/XXXX, means that I should pay more fees? What is the end of all of this?
Best Regards,
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| 06/21/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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At one point in 2019 I went to XXXX XXXX XXXX XXXX in XXXX XXXX, And despite having insurance and filling out the financial aid form while in the hospital but somehow it was missed placed XXXX someone dollars got turned over to the united collection bureau I have since written the hospital cleared up the matter I have a letter from the hospital saying that I have a XXXX balance disputed this with both the credit reporting agency and the debt collector, Further this particular collection agency violating my civil rights under the Hyppa laws illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agency so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for continuing to report false information anfurther this particular collection agency violating my civil rights under the Hyppa laws by illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agents so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for continuing to report false information and refusing to give any copies of what the collection agent reported, this has had a negative effect on my credit and caused me mental anguish that persons who shouldnt have my medical information do, and these people of low moral standards wont remove false information even provided with proof. It is unacceptable that a credit agency which is merely take the word of a collection agent when I have proof and it is even more unacceptable that a collection agent has my medical records in violation of HIPAA laws ...
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| 06/29/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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UCB = United Collections Bureau I received a letter in XX/XX/XXXX that the debt collector United Collections Bureau, that has bought a debt from XXXX XXXXXXXX XXXX, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by XXXX XXXXXXXX XXXX without any written notification or phone calls. I previously verified the debt was owned by United Collections Bureau by mail. I did not receive any documentation by XXXX XXXX about the debt.
My local XXXX XXXX branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from UCB verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork.
I need the money back because I have already settled the debt with UCB. Based on the FCRA laws and how I only received documentation about this debt. XXXX XXXX XXXX sold the debt to UCB without notifying me. When UCB notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached.
XXXX XXXXXXXX XXXX would have had to repurchase the debt. XXXX XXXX banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from UCB in XX/XX/XXXX. I need for XXXX XXXXXXXX XXXX to explain when the debt for {$450.00} to their bank was repurchased by their bank. UCB needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.
|
| 07/07/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United Collection Bureau , Inc .
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : United Collection Bureau , Inc .
Alleged Original Creditor Account number : XXXX XXXX XXXX XXXX Debt collectors Name : XXXX XXXX XXXX XXXX , XXXX .
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$680.00} Current Creditor : United Collection Bureau , Inc .
Dear United Collection Bureau , Inc .
I recently received communication from you to collect the above-listed alleged debt.
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to XXXX to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via XXXX and or email @ XXXX
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| 07/25/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2023 I had a womam call me from United Collection Bureau and she was hard to understand and spokevery fast. I asked very simple questions, IE : Have you sent the IDL yet and other simple consumer questions ( I'm super glad the call was being recorded ) and after briefly acknowledging the debt and giving a small snyopsis of my financial situation and then letting her know that I can something up but it has to be a small amt due my financial situation, she trans me to a supervisor name XXXX XXXX. Once XXXX got on the phone the entire conversation took a turn as XXXX escallated the situation by over-talking me, telling me that the original creditor is tired of me for not paying ( I was paying another collection agency a small payment monthly on this acct, and last payment was in XX/XX/XXXX '' [ 3 months ago ] so they just received this debt, I asked XXXX some simple questions as well but after incinuating I dont pay my bills ( Later in the convo he sd, he didnt say that ) and escalating the situation and wouldnt allow me to talk or let him know my situation he finally sd that I can make a payment of XXXX XXXX monthly asI sd I would set up to mail in but he kept tellimg me that he is done with this conversation over and over ifwedont cont talking of the debt in which thats all we were doing, made it so difficult for me to discuss as XXXX wanted it his way or no way. How can a collection agency make such rude comments, not willing to work with you and escalate a situation from a supervisor stand point be able to collect? Now I fully understand that I owe this and was trying to work it out but, u for XXXX XXXX wouldnt allow me to do so. I will pay this with them but they needto work with so that I can. I am officially filing a complaint on United Collection Bureau.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United collection bureau , Inc .
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : United Collection Bureau , Inc .
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$420.00} Current Creditor : XXXX XXXX Dear United Collection Bureau , Inc .
I recently received communication from you to collect the above-listed alleged debt.
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
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| 06/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I am writing to file a formal complaint against United Collection Bureau regarding their debt collection practices, which I believe to be in violation of Section 807 of the Fair Debt Collection Practices Act ( FDCPA ). United Collection Bureau has engaged in deceptive practices by attempting to collect three separate amounts on XX/XX/2023, in the amount of {$1300.00}, XX/XX/2023, in the amount of {$1400.00}, and XX/XX/2023, in the amount of {$1500.00}. These actions are clear violations of 15 USC 1692e of the FDCPA.
I would like to bring the following violations to your attention : False and Misleading Representations : United Collection Bureau has falsely claimed that I owe three separate amounts on different dates, each with a different figure. This inconsistency in the alleged debts raises serious concerns about the accuracy and validity of their claims. These misrepresentations are intended to confuse and mislead consumers, violating the provisions set forth in 15 USC 1692e of the FDCPA.
Unsubstantiated Claims : Despite my requests for verification of the debts, United Collection Bureau has failed to provide any supporting documentation or evidence to substantiate the legitimacy of these alleged debts. This failure to provide adequate validation further compounds the deceptive nature of their actions.
These deceptive practices have caused me significant distress and uncertainty. As a consumer, I believe I have the right to be treated fairly, truthfully, and without misleading representations during the debt collection process, as guaranteed by the FDCPA.
I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action against United Collection Bureau for their violations.
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| 09/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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The company United Collections Bureau on behalf of XXXX XXXX contacted me about a collection on a debt. They stated I owed {$4900.00} and that they were willing to settle for an amount close to {$2500.00}. I sent a certified letter to UCB asking them to stop contacting me and that I wanted more proof that they are legally allowed to collect on this debt. I later received a response from XXXX on XX/XX/XXXX stating that I would no longer be contacted. On XX/XX/XXXX I received mail from XXXX consisting of printouts of my last three statements ending in XXXX/XXXX with XXXX before the account was closed with a statement saying " we've sent you these because youve requested it ''. I then mailed a 2nd dispute letter certified mail to UCB on XX/XX/XXXX as well as a 2nd dispute letter to XXXX on XX/XX/XXXX.
Then on XX/XX/XXXX I received letter from the sender " XXXX XXXX '' which consisted of a copy of some type of card member agreement ( the type that has fine print, interest rate information etc '' ) which was from XXXX and labeled with the XXXX XXXX name. ( attached below ) I opened this credit card account way back in XXXX in California with XXXX XXXX before XXXX acquired them.
It is now XX/XX/XXXX and I have yet to receive any other type of sufficient proof ( such as a signature ) that UCB is allowed to collect on this debt. It's also strange to me that I only received correspondence from XXXX after my first dispute letter. If they sold the debt shouldn't UCB be conducting this correspondence?
I just want them to provide sufficient proof, and they have yet to.
I don't know where to go from here but the account is labeled as closed on my credit and my credit is suffering because of it.
I appreciate all your help Regards
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| 03/17/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX i received notice from my child 's dad that I had a collection notice being sent to his XXXX XXXX XXXX I called the agency to see what the debt was about and it turned out to be my daughter 's. There was a mismatch with her last name change and did not bill her secondary insurance bc the names were different on the primary and secondary insurances. I corrected her name then called the billing office of the provider to give them the updated information. They told me it would be taken cared of. Well, beginning of XXXX in XXXX someone from the billing department calls again and asks for my childs primary and secondary information AGAIN. I give it to them and they say everything is good. Well at the end of XXXX in XXXX dad receives another notice while I am out of the country. When I returned in XXXX I see that on XX/XX/XXXX or XXXX that the collection has hit my credit report. On XX/XX/XXXX I call the billing office who said the account was paid and closed. So I'm under the impression now that the agency jumped the XXXX and it would be removed. Well on XX/XX/XXXX I received another alert that I had a collection on my acct so on XX/XX/XXXX I call the company and explain what took place and the representative was very rude and snotty about what I needed to do when I had ALREADY done that. Ultimately, this is the fault of the hospital 's billing department because they assured me TWICE that the account was taken cared of but the representative wasn't trying to understand that. This is not a debt I owe as the medicaid coverage should have covered the balance in full as the secondary insurance. I haven't received any notice from medicaid that my child has been dropped or that they did not cover any claims.
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| 08/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On XX/XX/XXXX, I had XXXX XXXX with my own XXXX XXXX doctor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX After the physical I asked my doctor to check some pain in my back, after a quick check, he stated that I should go to the emergency room at the XXXX XXXX XXXX in XXXX MA.
I went to the emergency room with my XXXX referral to get a quick XXXX XXXX. In the emergency room, I was interviewed by several staff members including assistant nurses and nurses. I was never seen by a doctor or received any care including the XXXX XXXX I came to get. I left the emergency room after 3 hours of waiting.
I went to the XXXX XXXX XXXXhe next day to get my XXXX XXXX and diagnosis as prescribed by my Doctor.
A few weeks later I got a bill for {$490.00} stating that was my co-pay. My insurance plan states that my co-pay is {$100.00}. I refused to pay the bill due to the main reason I did not get any treatment in the emergency room. I was and still am willing to pay the {$100.00} co-pay for the emergency under the condition that the XXXX XXXX XXXX and the collection agency retract the derogatory remarks from my credit reports.
On XX/XX/XXXX, a derogatory remark appeared on my credit reports and my credit score was lowered by XXXX points.
I feel that this is very unfair for the collection agency to report this as they never contacted me to state that such action was going to take place.
I am seeking the help of CFPB to help me clear this mess and restore my perfect credit reports.
I was also told that this could be subject to the " Surprise billing '' law.
Any help to resolve this problem as quickly as possible.
I have not contacted the credit bureaus or the collection agency.
Thank you XXXX XXXX
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| 01/24/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My problem is with the united collection bureau, and XXXX XXXX 's hospital of XXXX Massachusetts. Firstly I never received a bill. I had XXXX XXXX XXXX 's with my email to which I never received a bill I also never received a bill in the mail. I knew I had some kind of bill coming from them so I was watching out for it. I tried to contact XXXX XXXX to which I could not get a person who could assist me after being bounced around from person to person for XXXX minutes and then hung up on I tried to use their online payment option. Which was not possible as their website was broken ( I returned and tried more times and it never worked ). This was around XXXX of XXXX. I then forgot about it because I had no way to pay it. Later I received a call from a number not listed on the united collection bureau list of numbers, from a person who I could not understand as they were speaking broken English asking me to pay a medical bill, to which they could provide no detail about. I assumed this was a scam and told them so they hung up and I never received any further calls, which made me even more firm in my belief that it was a scam. Only to find months later that my credit had been affected. I searched for the collection agency and found multiple numbers, so I called and left a voicemail at least two times. They have yet to return my call although stating they would call me back the next business day. I have been trying to pay this bill for a very long time, I have tried on so many occasions to pay this bill and yet I am unable to and now it's affecting my credit. At this point I have spent well over 20 hours searching and trying to find a way to pay/ contact them and I am unable to.
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| 10/01/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received a letter on XXXX/XXXX/2017 from XXXXnited Collection Bureau Inc. regarding a debt collection. Sent United Collection Bureau IncXXXX a letter on XXXX/XXXX/2017 requesting their Texas XXXX XXXX XXXX and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/2017 with account statements from the original creditor but failed to provide their Texas XXXX XXXX per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202.
Regardless of the validation requirement not being met, United Collection Bureau has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others.
Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.
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| 08/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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COMPANY NAME : UNITED COLLECTION BUREAU , INC XXXX XXXX XXXX # XXXX XXXX, OHXXXX ... ... .SETTLEMENT PLAN OPTIONS ... ..
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH
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| 04/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My identity was stolen and used to acquire a prepaid XXXX XXXX XXXX XXXX to the amount of {$500.00}. It is associated with XXXX. The thief used the card to purchase a {$1200.00} XXXX XXXX from XXXX, then started a line with XXXX. I found out about this in XXXX via a bill from XXXX XXXX. The thief used my identity on XX/XX/2023. I opened a police report via the XXXX Police Department, XXXX # XXXX, and sent letter a to XXXX XXXX, XXXX and XXXX to explain the situation. The police offered no help. The only entity to reply to my letters was XXXX. They did not believe me because this took place in the same city that I live in ( XXXX PA ). The representative on the phone did not seem to care about my situation and seemed more interested in when I would pay them. Afterwards, I received continuous phone calls in regards to the debt they demand I pay. I've received multiple bills from XXXX XXXX, XXXX and XXXX. This situation has negatively impacted my credit score. The debt to XXXX ( via the prepaid XXXX XXXX XXXX XXXX for {$500.00} ) has been sold to XXXX XXXX I, XXXX. The debit " balance consists of {$480.00} of of principle, {$100.00} in interest, and {$260.00} in fees ''. I'm reaching out to receive help in proving that my identity was stolen and therefore I should not be responsible for these debts, and should that be successfully proven, receive help and advice in how to avoid possible persecution from these businesses in the future, and how to defend myself against any business that would allow identities to be stolen without any proper identification.
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| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The company purports to be United Collection XXXX , Inc. They said that they were holding {$3500.00} of medical debt from a hospital stay in XX/XX/XXXX. When I spoke to someone on the phone today to attempt to resolve this debt, it was clear that they were at a call center in XXXX. He then told me that I have additional debt in the amounts of {$40.00}, {$230.00}, {$100.00}, {$40.00}, {$80.00}, and {$40.00} in addition to the {$3500.00}. I informed him that I would like to start making payments beginning today, XX/XX/XXXX, in the amount of {$1500.00}. He said that if I paid by a card then the fee would be in excess of {$50.00}, but using my bank routing and account number would be free. I told him that I was uncomfortable with that so he gave me a website to visit in order to make the payments instead. The website is ucbinc.com. They ask for your social security number and birthdate to sign in. I signed in, updated my current address and attempted to pay my first installment of {$1500.00} by using the pay by check option ( where you of course have to enter your bank routing number and account number ). A few hours later I checked my bank account and the transaction was never processed. I went back to the website and my payment isn't showing up at all. They just wanted my information? How are we supposed to protect ourselves when no one else does???? This is a sophisticated scam operation if I have ever seen one! I am terrified. They have all of my information and they aren't even in this country. What can I even do to protect myself at this point?
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| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I am a XXXX and found out I was in collections for XXXX. I never received a letter or a phone call from UCB. When I called UCB, my address was wrong so i gave them the correct information to update it in their system. My insurance which is the Department of Veterans Affairs called them XX/XX/2021 and multiple times since then to give them the CORRECT information to bill my claim and to request a update. UCB told me it can take up to 30-45 days, but if my claim was indeed resubmitted electronically my insurance would have received it in three days. I have called once a week to see if my claim has been resubmitted to my insurance and I am told it was. IT is now XX/XX/2021 and my insurance still has not received it. My Insurance and I have called them multiple times giving them the information to resubmit and they have not done their job. When we call to verify the information, the representatives always has it wrong after we has already given them the information previously. Now my insurance may deny the claim because UCB and the providers office who sent me to collections failed to submit my claim to my insurance in a timely manner. This entire bill could have been paid if people did their job correctly. The Department of Veterans Affairs has already told them that they need to write the debt off because I am not liable for their mistakes. UCB employees are rude, shows no empathy and has yet to resolve this. i have talked to multiple employees at UCB and a supervisor and no one is resolving this matter, or giving me accurate information.
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| 11/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hello CFPB Staff, May you be well and safe. This is a two-part issue.
( 1 ) I owed {$4300.00} to XXXX XXXX Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online XXXX login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. XXXX gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like XXXX to make this particular account active again and to remove any derogatory remarks from my credit report.
( 2 ) On XX/XX/XXXX I made paid {$2100.00} to United Collections Bureau ( UCB XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like UCB to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report.
I seek remediation and rectification. Thank you for your help with this matter.
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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A foreign speaking man called my cellphone saying that he was a debt collector for United Collection Bureau and he was attempting to collect a medical dept. He provided an amount of {$180.00} and asked for my credit card information. I asked him to provide me with a callback number so that I can call back after I verify who he was because I do not give out my debit card number over the phone. He wanted to know why did I need to call him back because he was already on the phone. When I told him that I wanted to verify who he was, he asked how was I going to verify who he was and when was I going to call him back. I tried to explain to him that I've never received any written communication from his company concerning this debt or to even show proof that I had to pay his company. He hung up on me. His said that his name was XXXX.
When I called the number back that was on the caller ID and explained to the other foreign speaking man, my voice was echoing in the background. I explained to him what had transpired between XXXX and I and that I would like for them to mail me some correspondence concerning the debt that they were trying to collect. He asked me for my mailing address. When I told him that he should already have my mailing address because he says that they are trying to collect a debt. He got flustered when I wouldn't provide him a mailing address showing proof that they are a collection agency and I owe them a debt. He also got flustered and hung up.
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| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
One day I receive an email from XXXX stating that a new collections account was reported on my credit. I log in to see that the collections that was reported was from an automobile wreck that happened on XX/XX/2018. I attempted to contact the company explaining to them that I wasnt responsible for that bill because the driver of the other vehicle drove into the back of my vehicle and his insurance company agreed to pay my medical bills but never went through with their agreement. I had no idea that the bill didnt get paid because Ive never received a notice in the mail until I moved to a new address and filled out a change of address form. Again, that bill wasnt my responsibility and after I called the responsible insurance company, they continued to state that they will pay the bill but kept giving me runaround errands to get the bill to them. I was told by either the collections company or insurance company that the bill can not be sent to the insurance company from the actual collections company. The insurance company provided me an email, for the bill to be sent, that did not work. The hospital that the bill came from stated they contacted the insurance company multiple times to get the bill resolved but they never gotten a response. I then called my insurance company and they distributed a check with the full bill amount so that I could pay off the collections bill. This collections bill caused my credit score to subtract 101 points from my report.
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| 06/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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On Wednesday, XX/XX/2021, I received a call from a debt collector identifying themselves as United Collection Bureau or " UCB. '' The person I spoke to verified if my birthdate was correct, and then he proceeded to explain he was collecting on an account where I owed " {$1800.00} '' which originated something called " XXXX XXXX '' or " XXXX XXXX. '' It definitely started with an " XXXX '' My total debt is split between my school loans, my current car loan, and seven unsecured creditors. I monitor my credit rating monthly, so I know exactly who owns what amount on each debt account. First red flag : Ive never heard of this debt collector before and they just started calling me this week. Second red flag : The debt they say theyre trying to collect originates from an account that doesn't sound like any of the banks Ive ever done business with. Third red flag : UCB has been repeatedly calling my mothers house phone number. All of the creditors I DO deal with have always called me on my personal mobile phone number. After I told this person I don't recognize the account they're talking about, I promptly ended the call. They repeatedly continued to call my mom 's number while I was at work on Thursday, and she finally convinced them to stop calling. There is the POSSIBILITY that one of my accounts was sold between companies and " XXXX '' is some alternate name for one of my old creditors. But if the account changed hands recently, I was never notified.
|
| 02/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Hello, I have submitted multiple disputes to XXXX, made multiple calls to United Collection Bureau, as well as tried to resolve this issue directly with XXXX XXXX XXXX to no avail. This issue has been resolved with XXXX and XXXX with XXXX refusing to make the appropriate changes.
XXXX XXXX XXXX improperly reported me to United Collection Bureau without seeking to collect payment from me directly. Upon calling XXXX XXXX XXXX, they have no record of ever sending a bill via mail or email. They only have a date in which they created a statement.
After numerous calls with XXXX XXXX XXXX, they refuse to investigate the situation citing that this case has already been turned over to United Collection Bureau. They refuse to produce any record that they ever attempted to bill me for my services and simply state the this has been turned over already and is out of their hands.
United Collection Bureau insists that XXXX XXXX XXXX has the burden of remedying this situation and that they are only the reporter.
In talking to XXXX and filing multiple disputes, this bureau continues to somehow find that the improper reporting of the delinquency is valid despite XXXX XXXX XXXX having no records to support.
That said, United Collection Bureau should be removed from my report. The account is closed, paid, and was improperly created as the result of fraudulent practices by XXXX XXXX XXXX.
Thank you, XXXX XXXX ( XXXX XXXX Service Date : XX/XX/2020 )
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| 07/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I am being harassed with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a lXXXX XXXX and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike XXXX XXXX is trying to claim. Regarding UCB Collections that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector.
UCB Collections : XX/XX/XXXX - Present.
XXXX XXXX : XX/XX/XXXX - Present.
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| 03/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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United Collections Bureau refuses to dispute three hospital/physician charges from XXXX XXXX XXXX. I was insured on the dates of service XX/XX/2019, XX/XX/2019 and XX/XX/2019 I had XXXX and insurance. I provided the hospital with my insurance information which was South Carolina XXXX. The hospital advised me that they dont take out of state XXXX. They then sent my three accounts to United Collections Bureau to report on all three of my credit reports. I have reached out to this collection agency several times and they are refusing to dispute or remove my accounts because of the age. I advised UCB that I have disputed these accounts with them and provided my insurance information when they first received the accounts and they did not file to my insurance as they promised. The insurance they billed was GA XXXX and I was not insured under GA XXXX and they know that through several conversations with me. UCB had all information to try and resolve this account and they failed on multiple occasions as I was eager to have the accounts paid and resolved by XXXX. The total on the three accounts {$1300.00}, {$530.00} and {$1200.00} I am requesting that they remove these accounts from all three credit bureaus due to having insurance at the time of service. Please remove these accounts from the credit bureaus. I offered to settle the accounts for a pay for deletion and they are refusing to delete them off my credit report.
|
| 08/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I incurred a medical expense in XX/XX/2023. The bill was paid in full on XX/XX/2023.
On XX/XX/XXXX, the payment was returned to my bank ( XXXX ) without any explanation. On XX/XX/XXXX, I called the billing office in response to a XXXX bill that I received. The billing office confirmed that they had returned the payment and said that their back office was reviewing, and I should disregard the new bill and wait to hear further.
On XX/XX/XXXX, I received a second bill for the same amount and paid it in full again on XX/XX/XXXX. On XX/XX/XXXX, I received a third bill for the same amount as the two previous bills. I contacted the billing office in writing giving the details of the XX/XX/XXXX payment and asked them to advise on the new bill. No response has ever been received.
On XX/XX/XXXX, I called the billing office again. My bank sent proof of the payment ; the medical facility said that the payment was found in their system but said it had not been cashed. I was advised to allow additional time for you to process the payment.
On XX/XX/XXXX, the second payment was returned to my bank with no explanation. The medical billing office did not contact me in any way, so I didnt realize this until I saw it in my bank account earlier this week. I immediately paid the bill in full for a third time.
Yesterday, I received a notice that this bill had been turned over to a collection agency.
|
| 05/19/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent UNITED COLLECTION BUREAU MULTIPLE LETTERS AND GAVE THEM MULTIPLE CHANCES TO VALIDATE THESE ACCOUNTS AND THEY HAVE NOT DONE SO! THE LAST ONE BEING ON XXXX XXXX, 2021. ( CERTIFIED ) This company has violated several of my consumer rights! Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signatureAs you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I was contacted by United Collection Bureau , Inc on XX/XX/2021. Regarding two debts which tgey claimed was assigned to them by XXXX XXXX XXXX One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from United Collection Bureau XXXX Inc confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.
|
| 06/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is United Collection Bureau showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company United Collection Bureau. I am unaware of this company, the amount, the debt and it's origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that United Collection Bureau DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.
|
| 03/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
My daughter was injured on XX/XX/XXXX and transferred from one hospital to another by ambulance. ALL of the bills were paid using my Medical FSA in the year the accident occurred. XXXX XXXX after the accident in XXXX of XXXX I received a bill for {$2100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I immediately requested an itemized bill and indicated that the request was for a service that occurred XXXX XXXX XXXX and i was under a different insurance and worked for a different employer and had I been presented that bill in a timely manner I could hav used my FSA at the time. I NEVER received another bill from XXXX. IT went to United COllections who sent a bill for the {$2100.00}. I disputed that bill with a written letter stating exactly what I stated above, that I asked and never received an itemized statement, that the initial charges came XXXX XXXX XXXX after the accident and that Im now under different insurance and could NOT use my current FSA to pay that XXXX year old bill. They NEVER sent a second request for payment, instead United COllections turned my debt over to the credit bureaus and it went on my SPOTLESS credit report. 22 years of maintaining SPOTLESS credit was ruined by XXXX XXXX XXXX and United Collections neither of which sent me any communication in a timely manner and never responded to my written disputes.
|
| 04/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
United Collections Bureau is attempting to collect a debt in the amount of {$1400.00} even though I already paid this amount, in full to the original creditor, XXXX XXXX Hospital in XXXX and XXXX of XXXX. The letter I received from United Collections Bureau is dated XX/XX/XXXX. I thought this was resolved after speaking with XXXX XXXX Hospital until I noticed a delinquency for XXXX and XXXX of XXXX from UCB on my credit report. When I called UCB on XX/XX/XXXX to dispute this I was given an email address, XXXX, to send proof of payment for the debt they are claiming I owe, so I did. After almost one week, I had not received a response to my email but instead a letter in the mail from UCB along with a billing statement from XXXX XXXX Hospital that included descriptions of procedures I had done which I believe is a HIPAA violation as I did not give XXXX XXXX Hospital my consent to release my information to UCB or anyone for that matter. I called UCB immediately upon receiving the letter and after waiting on hold for forever, I left a voice message requesting an immediate call back from a supervisor. That was almost one week ago and still no response from them. I've disputed this debt with UCB, XXXX Credit Bureau as well as XXXX XXXX Hospital. I have dated letters, emails and proof of payment. Please help to resolve this matter. Thank you.
|
| 07/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company has placed account on my credit report that clearly does not belong to me. The individual who the account belongs to is clearly a minor and had both primary and secondary insurance on the date of service.I contacted the company in XXXX about the account but did not provide them insurance information over the phone. I sent over my insurance information VIA CERTIFIED MAIL in which they had ample enough time to file it to my insurance and get payment before the claim would deny for timely. I have contacted this company several times to get this matter taken care of but they refuses to do their job. I have contacted My insurance company as well. If this company would do their jobs properly I would not be receiving a bill neither would this account be on my credit report. They dont speak a tap of English and I believe that they have no knowledge of how insurance works. They also told me that they received my insurance cards VIA CERTIFIED MAIL but did not file to my insurance company. I had to call them in order for it to get filed and then they tell me that it denied for timely but clearly if they had done their job when first received VIA CERTIFIED MAIL they could have gotten payment from the insurance. Its clearly not my fault that someone at their company dropped the ball on this account. They should be eating this bill!!!
|
| 04/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from United Collection Bureau IncXXXX on XX/XX/2022 that I owe before mentioned company {$4100.00}. On XX/XX/2022 I have sent certified mail to United Collection Bureau Inc. to validate debt to be provided with competent evidence that I have any legal obligation to pay and requested following documents to be mailed to me : -agreement that grants collection agency authority to collect alleged debt.
-agreement that bears signature of alleged debtor where I have agreed to pay creditor -any insurance claims made by any creditor -any judgements obtained by any creditor -name on file of alleged debtor -name and address of alleged creditor -alleged account number -amount of alleged debt -address on file for alleged debtor -date this alleged debt became payable -date of original charge off or delinquency -verification that this debt was assigned or sold to collector -complete accounting of alleged debt -commission for debt collector if collection efforts are successful.
As of today XX/XX/2022 I have not received any requested documentation from United Collection Bureau Inc. Above mentioned collection company failed to validate debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. Since they did not, theyre in violation of the act.
|
| 05/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a call from a sales person from XXXX to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my XXXX credit card and not to charge it to my XXXX XXXX XXXX, which I had never used. XXXX collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my XXXX XXXX and that they should review their tapes. After that XXXX told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the XXXX credit card and not the XXXX XXXX, but they and threaten to report me to the credit bureau. When I spoke to XXXX sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( United Collection Bureau , Inc. ). Routinely I have {$75.00} per month automatically withdrawn from my account for the XXXX Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently.
I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
|
| 12/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
United Collections Bureau Inc. ( UCB ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The XXXX XXXX XXXX Card ( XXXX XXXX XXXX XXXX ) not only permitted the purchase but also charged off the debt through the IRS. UCB Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXXXXXX XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of XXXX, UCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
|
| 07/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Account United Collectioin # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.
Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law.
Please all request listed of you will be in violation of the FCRA.
Retreat this account from collections and remove it from my credit report, if you have not already done so.
According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging.
Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.
|
| 02/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Received XXXX phone calls from a debt collection company asking to speak with my spouse ( asked to speak to him by name ). Calls received on XX/XX/XXXX, XXXX, and on XX/XX/XXXX and XXXX, XXXX. All after XXXX and before XXXX.
I did not answer the calls on XXXX XXXX and XXXX. However, on XXXX XXXX I answered and spoke with a collections rep. He hung up on me while I was asking a question ; I called back and spoke with a different rep. who apologized for the rude behavior of the first rep. I said that I would give my spouse the message to call them back. The rep. claimed that my husband gave them my number to reach him. This is false, and I told the caller so ( confirmed this with my spouse who never leaves my cell phone number with anyone ).
On XXXX XXXX, I received another call asking to speak with my spouse. I gave them my spouse 's work phone number. That evening my spouse confirmed that he spoke with the collections company. But my spouse believes the collections company has the wrong guy.
On XXXX XXXX, I received another call that I ignored ( voice mail was left ). However, when I tried calling back, thrice, the line was busy.
It's illegal for debt collectors to contact third party ( i.e. family members ) more than once, correct? Obviously, this company is way out of line.
|
| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
on XX/XX/2020 I contacted UCB and requested a deletion letter for paid collection. It was agreed that I would receive deletion letters for payment in full. The company now refuses to send me deletion letters and is stating they never agreed to a deletion letter.
The Director of Operations claims to have listened to my recorded call. He refuses to acknowledge that I requested a deletion letter and that an agreement was made upon that request. He alleges that the employee only agreed to give me a " paid in full '' letter. This is not true as I would have refused such a letter. I specified what was needed and why. I requested a transcript of the recording and they are refusing to provide this. I feel that they are being deceptive. I feel that if one were to listen to the call, they would clearly hear that I was led to believe that upon payment of my accounts I would receive the deletion letters. I believe that the employee did not once mention that they do not provide deletion letters. I believe that the Director of Operations is being dishonest about listening to that call and is refusing to acknowledge their promise to a paying customer. The company 's deceptive practices is not acceptable and I would like an investigation as well as a 3rd party to listen to the recorded call.
|
| 05/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I would like to request for XXXX to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX Florida, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
|
| 05/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
OnXX/XX/2018 this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 02/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received a call from a XXXX XXXX from UCB United Collection Bureau. She had first contacted my parents and had a rude remark about ( Well you are XXXX 's mother you can get a hold of her can you not ). Then said she would remove their number. My parents are not associated with this account, and should not have been contacted in the first place, let alone rudely. I then called to see why she called. She informed me that they had acquired the debt from XXXX, and had not received a payment in six months. We never received any notification of this debt being transferred, and are enrolled in a debt settlement program with XXXX XXXX XXXX who would be managing this debt. She interrupted and claimed that " they don't talk to settlement companies '' and that they would sue us, garnish our wages, and cause trouble to our credit. Again, I informed her that the debt was being handled by a settlement program, and offered their contact information. She yelled that they would not contact a settlement program. She was very rude to me and harassed me and kept demanding we pay them ( by XX/XX/XXXX {$66.00} ) or suffer the consequences. I was very upset and couldn't believe i was talked to like this. These calls have been incessant, disruptive and occur at all hours.
|
| 06/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In early XXXX, I received a collection letter from United Collection Bureau attempting to collect on a debt owed to XXXX. I paid it right away because I was concerned about being sued ( see attachment showing payment of {$98.00} on XX/XX/XXXX ).
I then received a bill direct from XXXX requesting payment. I didnt realize it was for the same debt so I went ahead and paid it ( see attachment showing payment of {$98.00} on XX/XX/XXXX ).
Around XX/XX/XXXX I realized my mistake and called XXXX. The employee told me they did received the payment and it was sent to United Collection Bureau because that is who they sold the debt to.
I then called United Collection Bureau to request a refund of my overpayment. An employee there told me the debt WAS NOT sold to United Collection Bureau and that it was only assigned to them for collections. She said that they did not receive my payment from XXXX, but if they do they would refund it within 30 days.
It has now been more than 30 days and I have not received a refund for my overpayment. XXXX states the debt was sold to United Collection Bureau and United Collection Bureau states XXXX owns the debt. I dont even know who I can contact at this point. I just want my overpayment refunded.
|
| 10/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ON XX/XX/2023 I RECEIVED A CALL FROM UNITED COLLECTIONS BUREAU IN REGARDS TO SEVERAL ACCOUNTS THAT I ALLEGEDLY OWE IN MEDICAL DEBT. FOR ONE I NEVER RECEIVED ANY PAPERWORK OR ANY LETTERS IN REGARDS TO THIS DEBT FROM UNITED COLLECTIONS BUREAU. I NEVER RECEIVED THE RIGHT TO DISPUTE THIS DEBT OR ANYTHING LIKE THAT. I NEVER RECEIVED ANY LETTER IN THE MAIL STATING MY RIGHT TO DISPUTE THE DEBT. I SPOKE WITH A REPRESENTATIVE NAMED XXXX ; I ASKED XXXX TO VALIDATE THE DEBT IN WHICH HE DENIED STATING THAT HE WAS NOT ABLE TO DO THAT. HE STATED THAT HE WAS UNABLE TO PROVIDE ME WITH ANY INFORMATION THAT WOULD VALIDATE THE DEBT. HE STATED THAT I OWED THE DEBT AND THAT I KNEW I OWED THE DEBT.
I REQUESTED SEVERAL DOCUMENTS THAT ARE REQUIRED BY LAW TO VALIDATE THIS DEBT, SUCH AS THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE CREDITOR, PROOF THAT UNITED COLLECTIONS BUREAU WAS LEGALLY ALLOWED TO PRACTICE DEBT COLLECTION IN THE STATE OF OHIO. THE REPRESENTATIVE TOLD ME THAT HE HAD NONE OF THIS INFORMATION AND THAT HE DOES NOT HAVE TO PROVIDE THIS INFORMATION TO ME.
THIS COMPANY CALLED ME THIS AFTERNOON AND I NEVER ONCE RECEIVED ANYTHING PRIOR TO THIS COMPANY CALLING ME IN REGARDS TO THIS WITH THE RIGHT TO DISPUTE THIS ALLEGED DEBT.
|
| 11/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today, I learned my bank account was levied for {$1600.00} + {$100.00} legal fee charged by my bank, leaving my account- {$1400.00}. My bank provided the name of the collection agency and their phone number for more information.
I called United Collections Bureau, was transferred several times and waited well over an hour before I spoke with a representative. I learned that there was a state income tax warrant that was issued, which authorized my bank account to be levied.
This was the first time I had heard about this issue. I asked the representative to verify the address where their communications and noticed were sent to. They gave me the address, and was completely shocked to learn that they sent everything to an address that I haven't lived at in over 15 years, when there were obviously more recent addresses that could've been used to properly notify me of the debt, because up until today I didn't know that there was even an issue with my 2020 Indiana State Tax return.
This practice has got to stop, and seems like a very deliberate way for United Collections Bureau to place holds on entire bank accounts, and prevent any actions someone could take to rectify the debt or prevent an account levy.
|
| 06/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a baby at XXXX XXXX XXXX XX/XX/XXXX, and I set up a payment plan 2 weeks later, which I have been on ever since ... it is in good standing and I have never been late. Apparently there was a separate charge billed several months later that I never received any texts or emails about ( I am on paperless billing ). XX/XX/XXXX I found a collections account reported on XXXX for {$860.00}. I called XXXX XXXX XXXX a total of 5 times, and every time I was told my account was in good standing and there are no issues. I called the collection agency, United Collections Bureau, and they had me email in documents to show my account was in good standing. No one got back to me. I called again the next week, and was provided with an account number. I called XXXX XXXX XXXX again and presented that account number, which turned out to be in my baby 's name for some reason, and I asked why it was not added to my payment plan that I already established, which I was not really given a reason for. She then connected me with the collection agency which was already closed for the day. I asked her beforehand if this could be added to my payment plan and be removed from collections and she did not help with that either.
|
| 10/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I went into XXXX XXXX to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a XXXX 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called XXXX 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from XXXX XXXX. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from XXXX XXXX and owe them nothing.
|
| 12/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX, XXXX United Collections Bureau , Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, sent me a letter trying to collect the unknown balance link to my XXXX XXXX credit card which is active open.
When I called XXXX on the XXXX XXXX card XXXX around XXXX PM my cell transferred me to the United Collections Bureau above and confirmed the balance of XXXX with asking minimum due XXXX.
I ask the one with the collections info about the transactions details he list them quick, but when I confirm that whenever I use this card I tried to pay within 30 days to escape the interest, and always paid off, I have proofs. He said my account is closed last year XXXX XXXX, while I see that my account id still open active, only not with the chip as It should be. So I said the recorded conversations via my cell phone is always under recorded by the government becasue I am still waiting for the investigation with help of the XXXX for the Fraud ID theft trying to make paper from the XXXX XXXX XXXX to ask me for XXXX XXXX, I did report all to the so they can help track down the guy, from XXXX XXXX. Then the collection guy said that my account is closed since XXXX XXXX?
My ftc case reference number is XXXX
|
| 04/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming.
I am a XXXX XXXX XXXX and not been able to work much end of last year and.
Due to the corona virus pandemic concern, all my students stop taking lessons from the last week of XX/XX/XXXX. Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I teach and could get new students but its been closed too.
You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.
|
| 04/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming.
I am a XXXX XXXX XXXX and not been able to work much end of last year and.
Due to the corona virus pandemic concern, all my XXXX stop taking lessons from the last week of XX/XX/XXXX. Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I XXXX and could get new XXXX but its been closed too.
You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.
|
| 07/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The XXXX XXXX XXXX submitted an erroneous debt of {$320.00} to the credit bureaus. When I was unemployed, I went to their site and filed for unemployment benefits during the weeks I was unemployed. When I started work, I also went to their site and told them when I started work and claimed my statements were true and correct.
In addition, the unemployment office contacted my temp agency to verify my start date and the temp agency provided them with an " estimated '' start date and not my " actual '' start date.
The unemployment claimed they sent me a form to complete and because the form was not submitted back to them timely and my temp agency never provided them feedback, they went ahead and reported this error, untrue and incorrect debt to the credit bureau despite the fact that they have record that I had submitted the form although untimely ; that I sent them correspondence electronically and through the mail about my actual start date being XX/XX/2017 which I claimed online ; and the fact that I claimed my actual date I found work.
I recently sent their collection agency United Collection Bureau and the XXXX XXXX XXXX XXXX correspondence explaining their error.
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| 02/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/2019 I was taken to the emergency room of the XXXX XXXX XXXX on XXXX XXXX in XXXX. After being treated and discharged the desk attendant stated that they had my account on file and that I owed no money for the service in the hospital. I exited the building and went on with my life. This is the University XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Two months later I received statements of account asserting that I owed money to the hospital for services rendered, contradictory to the assertation of the attendant. I submitted my insurance and XXXX XXXX account information to them via telephone.
A couple of months after that I received another statement stating that I was past due on payments. I again called in and submitted my insurance information to the representative.
A month after that I received another statement claiming that I was delinquent on my debt. I then used the USPS return slip they submitted to me to return them documentation of insurance and my XXXX XXXX coverage.
Finally, after almost 1.5 years, they have again escalated the situation by sending my account into collections, with an incorrect amount. This is negligance in its purest form.
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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In XXXX, I received XXXX letters from United Collection Bureau ( both attached ). XXXX states it was for XXXX XXXX XXXX account ending in XXXX for {$710.00} owned by XXXX XXXX. The other states it was for XXXX XXXX XXXX XXXX XXXX account ending in XXXX for {$1000.00} owned by XXXX XXXX. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to www.requests.ucbinc.com and disputed the debts and requested more information using the form provided. UCB failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called UCB to inquire about why my request for validation/dispute was ignored and was told to contact XXXX. I contacted XXXX using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.
|
| 02/19/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.
|
| 03/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received a letter on XX/XX/XXXX stating that I owed {$620.00} to XXXX XXXX, XXXX XXXX ACCOUNT NUMBER # XXXX account number is fake and United Collection Bureau , Inc is in violation of 15 USC 1692j ( A ) and 15 USC 1692f ( 1 ). They have also stated that on paper that " This is an attempt to collect a debt by United Collection Bureau , Inc., a debt collector, and any information obtained will be used for that purpose. '' This is a violation of 15 USC 1692 ( b ) ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; United Collection Bureau , Inc communicated on paper through that I owed a debt which never got to me but someone else other than me this is a violation. I've sent United Collection Bureau , Inc a Invoice, Affidavit of Truth and a Cease and Desist with exhibits showing how many times they violated me and they just sent me another later when they were not suppose to. United Collection Bureau , Inc 's new letter entails another debts with the wrong amount, wrong original creditor i.e. XXXX XXXX XXXX.
|
| 03/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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I received a letter in the mail from United Collection Bureau , Inc the letter stated they were trying to collect a debt that I owed to XXXX XXXX XXXX.I than contacted the company and spoke with an representative about the issue because I don't have a debt with XXXX XXXX he was being very argumentative so I hung up and called XXXX XXXX billing customer service and spoke to a representative and she stated that there was no debt sent to collection 's on there end for me as I knew. I than called the collection agency back and spoke with another person and I explained that I spoke with XXXX XXXX and they said they haven't sent any debt to this agency on me the representative was being argumentative so I asked to speak with a supervisor I noticed that they kept asking for my personal information I stated to the supervisor that I didn't have any debt and I spoke to XXXX XXXX customer service he than stated he must have the wrong person I questioned him on how did he get my personal information and I told him I was going to report this business for fraud he was trying to reason with me not to and I hung up all this happened on XX/XX/2023 @ around XXXX.
|
| 10/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I contacted United Collection , Inc. asking them for debt validation of the account as I never received any bills prior this debt hitting my credit report, the debt is in the sum of {$210.00}.
I received a bill for {$320.00} on XX/XX/XXXX which is {$110.00} difference, and it didn't validate the debt their claiming I owe, it only raised further concerns as it shows two different amounts, one for {$320.00} and another for {$210.00} I reached back out to United Collection , Inc. to ask for more details and validation of this debt. I was told there are now two different debts, one for {$210.00} was for a hospital visit in XX/XX/XXXX and the other was for another hospital visit on XX/XX/XXXX. I explained to the rep I had no problem paying the debt if they can validate the debts. The rep stated the hospital visit were at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NV and this is the physicians portion and even knew the treatments and service performed.
They have violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form authorizing United Collection , Inc. to have access to my patient information.
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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XXXX XXXX XXXX XXXX XXXX Called at XXXX got XXXX XXXX asked for SSN to verify, transferring me to XXXX XXXX XXXX XXXX XXXX in North Carolina XXXX I did not recognize this and let them know I never received written notification and would like to pay it if it wouldnt damage my credit. They told me that they could not delete it if I paid. I did stress I had not received written notification of this debt again and they did not comment on it.
XX/XX/19 I called them again after speaking to XXXX XXXX who could not locate my account at all. Called them at XXXX got XXXX XXXX got transferred at XXXX to XXXX. On this call I was told it was for XXXX XXXX? I have never heard of them, nor visited this clinic. I dont even know of a XXXX doctor in my area. Asked to speak to a supervisor at XXXX. Got XXXX. He was incredibly rude even though he was made known no written notice was ever received.
Ive been told this debt is from two different places on two different calls. I want written notice so I can validate or dispute this debt and the opportunity to pay it without damaging my credit once I am able to validate it, or the chance to dispute it as not mine.
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
United Collection Bureau , Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau , Inc showing we had a contract as well as the agreement between United Collection Bureau , Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX in the amount of {$280.00}. I reached out to XXXX and asked do they sell debt they stated no ( I'm well aware of my HIPPA laws ). I could sue United Collection Bureau , Inc for violating HIPPA laws. United Collection Bureau , Inc has violated multiple HIPPA laws and I have my lawyer on hand to sue United Collection Bureau , Inc for the violations of my medical rights. Also XXXX stated that I dont have a balance with them and that they dont know why annyt would be sent to collections. Ive never been to XXXX. Also their information has not been reviewed by a lawyer.
|
| 06/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I told this company ( United Collection Bureau , Inc. ) to stop calling me about another family member 's debt. I called them a week or more ago ( can't find date ) and they wouldn't talk to me, but only the adult family member ( who is not my spouse ). The reason I called as they kept calling me ( XXXX, XXXX at least ) without leaving a message. I was at work and the family member is not there. As I said they wouldn't talk to me. On the call where I called them ( XXXX or XXXX I believe ), I told them that since they said they were recording the call to record this " do not call this number ( I specifically listed the number ) ever again unless you want to talk to me ( my first & last name ) or my wife ( gave them her first and last name ) about any debt we owe ( we don't owe anything so .... ). On XX/XX/20 at XXXX they called again and did not leave a message.
Violation of calling a number on the Do not call registry Violation of calling someone a week or more later who asked for their number to be removed from the system as they are not the responsible party Violation of not leaving name or message on VM which is provided
|
| 11/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified XXXX mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, XXXX XXXX XXXX, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed.
On XX/XX/2022, XXXX XXXX XXXX, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.
|
| 09/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Prior to being sent to medical collections, I communicated by their internal mail/chat and mail that I was charged for services that were not performed, and I was not charged or received information on a diagnostic/lab that was performed while in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
I agreed that there was an outstanding balance on XX/XX/XXXX for {$400.00} for XXXX, that I had to discontinue my payment plan due to financial challenges. I reinstated a monthly payment with United Collection Bureau ( XXXX XXXX XXXX, XXXX, OH XXXX. XXXX ) on XX/XX/XXXX, for UCB Reference # XXXX and XXXX account number XXXX, and have satisfied {$370.00} of the debt to date.
A chart review would have identified duplicate or erroneous charges, and that a charge and result for identification of an issue was missing ( they said it was sent to an outside lab ). Outstanding charges with United Collection Bureau that I do not believe services were performed or are duplicate charges are : XXXXXXXX XXXX XXXX XXXX with account numbers ending XXXX ( UCB reference : XXXX ) and XXXX ( UCB reference number : XXXX ).
|
| 08/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I noticed 2 medical collection on my credit report from UCB ( United Collection Bureau ) I sent a letter on XX/XX/XXXX to UCB to dispute the negative accounts and the response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; Therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I sent a letter on XX/XX/XXXX in response to this letter asking UCB to provide me with proof of this dispute and all of the information they used to verify the account or to continue with my dispute if they could not provide that proof. The response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I feel as if my dispute isn't being taken serious, being ignored and discarded this is a violation of my consumer rights. I want these accounts removed immediately!
|
| 03/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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On XXXX XXXXXXXX XXXX, I receive a letter from United Collection Bureau XXXX, trying to collect a debt I do not owe. On XXXXXXXX XXXXXXXX XXXX I, responded back to this company Requesting full Validation of this XXXX. On XXXX XXXX, XXXX I received a response, from this company in the response was a letter stating that they have forward me the documents I requested. After reviewing the documents they forwarded me, they failed to Validate this debt pursuant to FEDERAL LAW 12 CFR 1006.34 and the Fair credit reporting act and the Fair debt collection act. Furthermore, the only documents they forwarded me was a bill statement with an address that I, have no knowledge of, along with a print out with inaccurate information such as an inaccurate address, phone number, social security no, and phone number. I forward this company a copy of a XXXX XXXX police report, and a federal trade commission Identity thief report, and a identity thief victims complaint and affidavit signed and notizaried. I explained to this company that I was a victim of FRAUD ... ... AND THAT THEY MUST CEASE ALL COLLECTION.
|
| 12/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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REF XXXX I reject your offer to contract XXXX have not given my lawful authority to any Non affiliated third party being in possession of my nonpublic personal information.this is a notice to cease and desist all communications resulting from this alleged debt XXXX am not requesting validation from any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit .the collections of this extension of credit would be a violation of the false claims Act. I have reasonable cause to believe that United collection Bureau Inc and XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX CREDIT CARD and XXXX XXXX .have all conspired to collect on this extension of credit through unlawful extortionate means.if there is any attempt to engage in any further collection activities on the extension of credit such as the furnishing of false credit information to the credit reporting agency XXXX will file suit for intentional infliction of emotional distress.
|
| 11/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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In the state of South Carolina I was experiencing continuous XXXX XXXX from family members there and as a result I was XXXX XXXX homeless there and I had ended up getting a XXXX XXXX and also my personal documentation had gotten stolen by the exact same family in XXXX, South Carolina but I do think them stealing my personal belongings had something to do with this agency, the name of the first agency that kept repeatedly calling me was XXXX XXXX XXXX and the second one that is starting to spam call me is UCB and at first they said the amount was {$700.00} but now they are saying I owe them {$1000.00} and also they are following me and are calling places I would go to such as Homeless Shelters I would apply to and also Jobs I would work at and I know this because each previous employer or head staff would ask me XXXX do you owe anyone debt?!?! In a irritated manner, and I do think the collection agencies may have been threatening and using offensive language towards the people/places I would go to as a way of trying to intimidate/harrass.
|
| 06/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was contacted by this company in regards to a medical debt. I informed the company that the debt was never sent my my health insurance. They stated they would send to my insurance. I also informed them that this was for a work related injury while in the military. Then I saw a negative report show up on my credit score from the same company that stated they would send the claim to my insurance. I contacted my insurance company and they stated they never received a claim from the creditor in their records. I then contacted the company to attempt to get them to send the claim forward and request why they did not send this to my insurance as they told me they would do. They also claimed that they did send it to my insurance even though my insurance company has no record of the claim being sent to them. They stated that another firm took over the debt and they would not help me. So, then company put a negative remark on my credit for a bill they refused to send to my insurance to get paid out for a work related injury while on military duty.
|
| 06/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Called debt collector on XX/XX/XXXX starting around XXXX. Tried to understand why my health insurance wasnt billed but Medicaid ( which I dont have ) was billed, and where they even got that information. Debt collector told me that the insurance was billed and denied. I asked for the correspondence between them and my health insurance and he told me know. Just that it was denied. He would not give me any information. Told me to call my health insurance, so I did. They have no record of any claims filled from the hospital or the debt collection agency. When I called the debt collector back to tell them that, he said well you need to contact the consumer who billed the initial bill. So I contact the hospitals billing dept, they stated that they cant do anything now that it is at a debt collector and the debt collector has to file the claim through XXXX ( my insurance ). I called the debt collector back and he finally at least took the billing address as to where to submit the claim. But I want to file a complaint against the debt collector.
|
| 11/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
XXXX XXXX has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards.
XXXXXXXX XXXX will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing XXXX XXXX for ruining our credit. XXXX XXXX XXXX irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue XXXX and credit collection for this. I have months of proof with broken links sent by XXXXXXXX XXXX and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and XXXX up until XXXX when their system was compromised.
|
| 01/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, UNITED COLLECTION BUREAU has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to XX/XX/XXXX They are supposed to send me a signed contract with my SIGNATURE! They're in violation! XX/XX/XXXX is in violation as well. Also United Collection Bureau is reporting different amounts on these accounts to XX/XX/XXXX and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, United Collection Bureau DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to XX/XX/XXXX XX/XX/XXXXis supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!
|
| 01/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX.
This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud.
USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data.
XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX.
This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost.
XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX.
Respectfully yours.
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
United Collection Bureau XXXX Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau XXXX Inc showing we had a contract as well as the agreement between United Collection Bureau XXXX Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX XXXX amount of {$13000.00}. I reached out to XXXX and XXXX do they sell debt they stated no ( I'm well aware of my HIPPA laws XXXX. I could sue United Collection Bureau XXXX XXXX for violating XXXX laws. United Collection Bureau XXXX Inc has violated multiple HIPPA laws and I have my lawyer on hand to sue United Collection Bureau XXXX Inc for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
|
| 04/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The collections agency United Collections Bureau located in XXXX, OH attempted to collect a debt I didnt recognize. They sent paperwork to me on XX/XX/2021 and I sent them a debt verification letter on XX/XX/2021. They validated the debt on XX/XX/2021 and sent me the paperwork. I did not receive the paperwork until XX/XX/2021. This is a violation of my rights under the FCRA and I sent a follow-up dispute letter. The debt validation was not valid since it lacked the original contact from the creditor XXXX XXXX XXXX. I also realized that they provided no proof that I had to pay their collections agency. For some reason the representative XXXX XXXX also misread the dispute letter I send and assumed I did not want to be contacted by mail. This was not true and I received a letter claiming this when I sent my last dispute letter on XX/XX/2021. I specifically said they needed to close my debt file if they could not prove that they own the debt in question let alone have the right to collect it. I will attach the documentation I have.
|
| 08/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This company by the name of XXXX has contacted my family members without my permission and has also contacted me multiples even after I requested them to cease and desist with the calls. This mishap started around the week of XX/XX/XXXX. When I asked who the company was they only stated the above XXXX XXXX. I asked what did the matter pertain to and they didnt say only asked was a name. Since I have no meaningful relationship with this company nor do I have any recollection of receiving services or goods, or even partook in commerce with this company I asked them to stop calling my self and any numbers related to my information they obtained without my written consent, which in my eyes constitutes identity theft per consumer definitions, and the lady stated my number is deleted and I will receive no more calls. Well, on XX/XX/2018 I received another called in which I told the lady on the other end that I have already requested your company stop calling me previously and that your company is now in violation of the FDCPA.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
UNITED CREDIT BUREAU IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND WHEN ASKED TO PROVIDE PROPER VALIDATION OF THESE ACCOUNTS, MEANING SIGNED CONTRACTS WITH MY SIGNATURE, THEY NEVER SUPPLY THE CORRECT PAPER WORK. THEY ONLY SEND THESE FRAUDULENT INVOICES WHICH ARE NOT VALID PROOF OF A DEBT. FURTHERMORE THEY ARE IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G AS WELL AS MULTIPLE OTHER VIOLATIONS, WHICH YOU CAN SEE IN THE ATTACHED EXHIBITS! THEY HAVE ALSO SENT ME FRAUDULENT INVOICES THAT DONT EVEN MATCH THE AMOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS! NOW HOW IS THAT POSSIBLE? HOW CAN YOU SEND ME AN INVOICE FOR A TOTALLY DIFFERENT AMOUNT THAN YOURE REPORTING TO THE BUREAUS? I HAVE SENT PROOF OF THAT AS WELL! WHICH WAS JUST THREW TO THE WAY SIDE. HOW IS THAT PROTECTING THE CONSUMER? THEY ARE IN VIOLATION OF MULTIPLE FRAUDULENT AND PREDATORY ACTS! XXXX IS ALSO IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G!!! AND A LETTER WAS SENT TO THEM AS WELL WITH NO RESOLVE OR PROPER VALIDATION!
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). The Patient Balance on this document is {$510.00} and it has been paid.
I never received a bill or a statement requesting any payment. In addition, two XXXX bills were submitted and paid by my Insurance. I have not received any answers to what this debt is about. I never received any letter or communication either by the original debtor or this collection agency until I contacted them. The hospital had all my personal information and had my insurance information and no other claim was presented.
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
UCB ( United Collections Bureau ) contacted me two days in a row ( XX/XX/22 and XX/XX/22 ) asking to speak with a family member that shares a similar name. They were told on the first day that they had the wrong number and the call was disconnected and blocked. On the second day, the caller identified herself by first and last name and as an employee of UCB. She again asked for the family member and was told she had the wrong number. She was asked why she continued to call the wrong number and was told that I wanted to be removed from their calling list. She ignored these questions/requests and asked me to pass on a message to the family member she was seeking. She continued until I said I would be reporting them. These phone calls violate the FDCPA through XXXX ( repeated calls/discussion to a family member ) and sharing private information ( by announcing that they were debt collector and giving out my family member 's name, I am now aware of their private financial situation ) and action should be taken.
|
| 07/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In mid XXXX of XXXX, I received a debt collection letter dated XX/XX/2022 from United Collection Bureau XXXX Inc. in the amount of {$6600.00}. The letter listed my name incorrectly. The letter listed a creditor and the final amount owed, with options to pay the debt. In an attempt to have the debt validated, I mailed United Collection Bureau , Inc. a letter on XX/XX/2022, asking them to provide information validating the debt in question. In response, on XX/XX/2022, I received a 3 page letter ( dated XX/XX/2022 ) from United Collection Bureau , Inc. listing my medical records down to medications and procedures, which I know is a violation of HIPAA regulations. I never gave any consent to United Collection Bureau , Inc. nor signed any HIPAA forms authorizing said company to access this sensitive information. I'm filing a complaint with HIPAA and would ask that United Collection Bureau , Inc. and the creditor delete this information from my credit file and cease all collection activities immediately.
|
| 07/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
United Collection Bureau has been calling my husband. He told there they need to speak to me his wife. He gave me the phone number which it is on my phone. I took a picture of it. The day I call was XXXX at XXXX pm the phone number is XXXX. When the man answer I could nit understand him. I kept asking the name of the company. I could not under stand him. I told him my husband gave me this phone number to call. He told me he doesn't have a file. I told him I need someone to speak XXXX. The man hung up on me. I thought may be my husband gave me the wrong phone number. It was one there web site.
My talk XXXX and she there no record of me calling in. But I took of picture and saved to my phone.
They call my XXXX on XXXX and he told me to call ask for XXXX at XXXX. I talk to XXXX she said what is my phone I told you. She said she would call me back in XXXX minutes. She never call me back. The account number is XXXX. My husbands name is XXXX XXXX and my name is XXXX XXXX. Please let me know. Thank you
|
| 04/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have spoken to United Collections Bureau Inc regarding a bill sent to me for medical provider services. I explained to them that I have insurance that was never billed. They told me that they sent the information and it was returned. I called them on XX/XX/XXXX and explain that my insurance company was never billed. All they wanted was for me to pay. I asked for the information on the company that sent it and an itemized bill. I was told that they dont need to provide that to me and I needed to " XXXX XXXX it. I finally found the originator XXXX XXXX XXXX and they said because they had a bad home address they immediately sent it to collections and can not do anything to help me. The date of service was XX/XX/XXXX 6 months ago. I can not get them to bill my insurance to satisfy this bill and they refuse to do anything except ask for money to satisfy. I have spent 5 hours on the phone trying to get someone to do something and just get harassed and no effort to resolve/submit billing
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
United Collection Bureau ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to XXXX, XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted XXXX, XXXX, XXXX XXXX XXXX and paid the {$310.00} File No XXXX, but they are stating that United Collection Bureau still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from United Collection Bureau and the receipt from XXXX, XXXX, and XXXX. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay XXXX, XXXX, XXXX XXXX? 3. How do I get this removed from my credit ( either completely or as paid )?
|
| 03/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Caller contacted me around XXXX CST on Friday XX/XX/XXXX. Said he was from a collection agency. Had my name and location of clinic I went to in XX/XX/XXXX. I went there for an ER visit and filed with both the Department of Labor and Department of Veterans Affairs to cover the costs. But caller said I owe around {$2000.00} in medical bills. He said he would help me by reducing it to about {$1700.00} if I paid during the call. I told him I should not owe anything since I filed the ER visit as work-related, which covers me as a federal employee. And should also be covered by the VA since I am also a military veteran. The caller said I can call him back after verifying with the DOL/VA. He gave me the phone number XXXX to call back. The phone number is associated with United Collection Bureau, but also with numerous complaints of harassment and scams after searching on the Internet. And even if this was legitimate, why am I being contacted over 4 months after my ER visit?
|
| 05/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
UCB started calling me today XX/XX/XXXX while I was at work. They left a voice message saying they were trying to collect a debt. When they bought my account from another bank in XXXX, I was very up front with them : Please only contact me in writing. Im not trying to hide from them. I didnt demand that they cease communicating with me completely. I just asked them to put everything in writing so I would always have a paper trail. Ive paid what I can on the account for the past couple years, and they have my e-mail address and my current home address on file if they need to get in contact. The phone call today was completely out of nowhere and it disregards the earlier agreement. This is a violation of 15 USC 1692c in the Fair Debt Practices Act. Im attaching the confirmation their compliance department originally sent me in XXXX, where they acknowledged my request and stated they wouldnt call me anymore. Im also attaching a screenshot of todays phone call.
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
United Collections Bureau is attempting to collect illegally on a medical debt.
I have sent them three notices, 93A Demands, via certified mail. They failed to provide proper validation of their claim and continue to report to the bureaus in violation of federal and state law.
In the state of MA under XXXX XXXX XXXX CMR XXXX : Unfair Practices AND XXXX XXXX : General Unfair or Deceptive Acts or Practices - a debt collector may NOT place their name on a consumer credit report. UCB has broken this law.
UCB has failed to provide proper validation of their claim to show Proof of Assignment, the contract showing they own or represent the account, in violation of MGL Chapter 106 UCC section 9-405.
UCB has failed to provide proof of their claim under federal or state law requirements. No signatures or ledgers on the alleged account were provided.
In fact, after receiving the third demand for action UCB refused to comply in anyway stating a refusal.
|
| 12/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received repeated phone calls from a debt collection agency but I do not have any delinquent debt. I generated my credit reports on XX/XX/XXXX from all reporting agencies through XXXX, verifying that I have no delinquent debt and am not the victim of identity theft.
There have been 20 calls between XX/XX/XXXX and XX/XX/XXXX. I have blocked this phone number so the calls do not ring through, but some of the calls do generate phone messages. I have not returned their calls. From the most recent message on XX/XX/XXXX, I can report the following details : Company : United Collection Bureau Inc.
Staff member : XXXX ( last name unintelligible ) Originating phone number : XXXX Call back phone number : XXXX Reference # : XXXX Requested action : I am being requested to return their calls at the call back number ( above ).
Please contact this company and insist that they stop calling me.
Thank you very much for your service and diligence.
|
| 02/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The initian amout was {$600.00} and it was established on XXXX I ( BALANCE 0F {$100.00} ). XXXX I made payments to them but never received any stamens, I taught I was done paying them. I never received a statemt nor a phone call for years in XX/XX/XXXX they placed a collection into my report after i purchased a house. I reached out the company. Before I made the payment, I requested that they remove the item from my credit report which the person I made the payment to agreed to have it removed. After the payment was made, they did not remove the item from my report. I called, i disputed the item and explained the matter to whoever i came into contact with, Still nothing happened. The item is effecting my credit score and that is hendering me from getting the proper rates when I apply for loan. And that is a form racism that keeps people like me receiving higher interest rates.
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello I am writing this complaint against a collection company by the name of United Collection Bureau located at XXXX XXXX XXXX, XXXX, OH, XXXX, and for violating my HIPPA Rights. I recently sent the company a debt validation letter and in return they sent me a list of my private medical records on XX/XX/XXXX, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I received treatment from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, MI, XXXX, on XX/XX/XXXX. I completed payments in full for my treatment on XX/XX/XXXX and was paid directly to XXXX XXXX XXXX in the amount of {$1100.00}. I also did not authorize XXXX XXXX XXXX to release my personal medical records to a third party company. I am extremely upset that my privacy has been violated and would like for this information to be deleted from my credit file on all Credit Bureaus.
|
| 09/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am writing to complain about United Collections Bureau Inc., a debt collector that has been violating the Fair Debt Collection Practices Act ( FDCPA ) by sending me payment request letters after I have already told them to stop contacting me about payments for the debt ( which I have kept a recording of ), and to provide a debt verification letter and to consider the debt in dispute until further notice.
Despite my request, United Collections Bureau Inc. continued to send me payment request letters. I have kept a recording of all of my conversations with United Collections Bureau Inc., and I have proof that I requested them to stop contacting me. I have also kept the post mark dates on the multiple letters.
I am requesting that the Consumer Financial Protection Bureau investigate United Collections Bureau Inc. and take appropriate action to protect consumers from this company 's unfair and abusive debt collection practices.
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate.
They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
|
| 08/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was injured at work in the XXXX of XXXX, requiring a medical test at a local hospital. The entire matter was handled by my employer 's worker 's compensation coverage. The hospital forwarded a bill to collections without making any attempt to collect from me. If I had received a bill or a phone call from either the hospital or the collection agency, I would have notified my employer and the matter would have been resolved through worker 's compensation. Instead, I discovered the outstanding bill when I did a periodic check of my credit report. At no time in the two years prior to this discovery was I notified that I was regarded as having an outstanding debt : it was simply forwarded, and now my credit score has plummeted due to this derogatory entry on my report.
I have notified my employer of this debt and expect speedy resolution so that the debt is satisfied. I have also written to the collection agency.
|
| 12/30/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.
United Collection Bureau account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif the person knows or has reasonable cause to believe that the information is accurate
|
| 12/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay.
After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU.
My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). T he Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment.
Patient Balance has been paid ( attached ) I have not received any answers to what this debt is about. I never received any letter or communication.
The hospital had all my personal information and had my insurance information and no other claim was presented.
|
| 10/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2022, I was contact by United Collection Bureau , inc . They left a message indicating they were a debt collection agency attempting to collect a debt. I am not aware of any debts so i called them back. I provided my name and phone number to somebody named " XXXX, '' and asked what this was about. XXXX then began asking me for personally identifiable information ( date of birth, Social Security Numbers, Address, etc ). I refused to disclose any of this information. I explained that I do not know who they are or why they are calling and will not provide sensitive information to somebody I do not know. They thanked me and wished me a nice day. I then called back and requested to speak with a supervisor. The supervise, " XXXX '' asked for the same info. I again refused and asked what the call was about. He refused to provide any information. I find this incredibly suspicious.
|
| 09/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This issue stems back fr XX/XX/XXXX to XX/XX/XXXX. I was under debt program with XXXX XXXX XXXX ( XXXX ) I have had consent ltrs fr several collection agengcy of $ XXXX bal with XXXX XXXX XXXX. Per XXXX, bal pd in full however, other past collections added new balance each time sold to another agency. I contacted, atty general office, state rep and Tlas.og for help. I have some brochures of what to do however, nothing has been resolved. I told United coll bureau on yesterday that I retired on XXXX in XX/XX/XXXX and have no funds to pay because their records are incorrect. I also requested an updated history of acct fr their office. The supervisor refused to speak to me, the agent was very persistent after an hour and half. I don ; 't have the money and I most definitely do n't owe it. Today I spoke to XXXX reps, XXXX and XXXX advising me to contact you for to file a complaint.
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company - United Collection Bureau ( UCB ) - has called me over and over looking for some guy named XXXX XXXX. That is not my name and I have no idea who he is. Today I was called by " XXXX XXXX '' who admitted that he could see that they called me three times in his records, and I had him put me through to his boss XXXX XXXX, the Director of Operations. She listed her number as XXXX. Each time they call me, I explain that I do not know this person named XXXX XXXX, and each time they say they will " remove my number '' and not call me again. And then they keep calling. Day, night, while I am at work. It has gotten so bad that I have stopped answering my phone completely unless I am expecting a call ( today I was expecting one from my doctor ). This is a nightmare, and I wish I could just easily change my phone number but I can not. Please help me make them stop!
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I find out inheritance investment website that people using my accounts was to data breaches itenty XXXX XXXX stolen along children and grandchildren I believe using our name and I XXXX XXXX XXXX and several other Bank they money saying it me it bad my military family members families children my brother XXXX XXXX is XXXX service I'm problem with phone government phone inherent wifi XXXX XXXX connection there wifi and XXXX accounts with brother I realize that Data breaches I contact my family doctor and GYN they area is information on XXXX patients patient XXXX XXXX my medical records missing XXXX patients patient XXXX XXXX and my XXXX medical papers are missing too icon to cut the bags of contacted me to let me know what happened I got a couple others that I have but I've never opened up a bad count a couple years they've been using my social and everything
|
| 12/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A representative from UCB ( united Collections Bureau ) contacted a phone number that has not been provided and claimed that they have attempted to call numerous times while this is the first time this company has called. This number was new and the representative claimed they were calling a New York Company number.
When asked for the name the of the company for which the person they were looking for worked at the representative mentioned the company that I am currently calling. When asked to name the company she's calling she immediately changed the subject and asked if the person worked at the company she was calling at. When mentioned to the representative that she could be transferred to the Compliance Department who can assist with the situation the representative became defensive and immediately said " No that would be okay, goodbye. ''
|
| 02/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
United Collection Bureau has attempted to collect an alleged medical from me on behalf of XXXX XXXX XXXX. Upon the process of validating this alleged debt, there has been a HIPAA violation that has occurred as a result. I never provided any written authorization to release my medical information to any third party debt collector and this debt collector has not been able to provide a copy of my signature authorizing any release of this information. I am requesting immediate removal of this debt from the XXXX credit bureau. I will be contacting the XXXX with intentions of exercising all legal avenues to have this issue remedied.
Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Third Party : United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Amount : XXXX Date of service : XX/XX/2020
|
| 04/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got a bill for my son for his XXXX stay. It originally was {$940.00}. I called to pay it in full and on XX/XX/21 I paid {$940.00} and I was told it would be paid in full and would owe no more money. I then get another statement saying I owed an additional {$1800.00}. I have the original statement showing the total due was {$940.00}. Then a new one showing I still owed {$1800.00}. Makes no sense. I had 3-4 statements of the total bein {$940.00} so why the sudden jump? The hospital refused to work on it with me, the supervisor said he would send it through insurance and would call me back and he never followed up unless I called. We got no where and they sent the additional {$1800.00} I should not owe to collections. I have the statements. They claim they dont see the original {$940.00} statement but I have it. This is illegal.
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from XXXX stating that a new collection account is on my credit report. The collection agency is United Collection Bureau and the company for whom the debt originated is XXXX XXXX XXXX XXXX. It shows that the collection account was opened XX/XX/XXXX, and that {$270.00} was due as of XXXX XXXX. I have never heard of XXXX XXXX XXXX XXXX, nor do I believe that I owe an outstanding balance of {$270.00}. The report lists a partial account number : XXXX. I have never received a bill from this company that would explain the charge. Presumably, the company is connected to healthcare, but I always pay any co-pays and additional fees directly to my doctor 's office. I disputed the charge with XXXX and United Collection Bureau claims that it's a legitimate charge, although no evidence has been provided.
|
| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
See Attachments Included. This medical debt for XXXX XXXX has been reported on my credit with a date of XX/XX/2022. I have never received any written notices in regards to this alleged medical debt for {$670.00}. I sent a debt validation letter and they only thing I received was a list of charges and a doctors name that I do not know. I never received anything with my signature on it to validate this alleged debt.I have reported this and filed a complaint as well as there other items on my credit report that is inaccurate and needs to be deleted.I have sent notices in regards to wrong names and address listed under my social security number and it has not been removed and no hard inquiries have been removed as well. I did dispute medical debt twice which the claim was verified within 2 days of submitting the dispute.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
This collection agency attempted to collect, $ XXXX my personal bank account and XXXX & XXXX XXXX XXXX ( DBA ) account from XXXX XXXX XXXX They were able to withdraw from the account approximately., {$2000.00}, so far. Theses funds are exempt because The were my social security funds and security deposits from XXXX & XXXX XXXX XXXX. The security deposits funds belong to the tenants and XXXX XXXX XXXX XXXX XXXX is only the custodian of the Security deposits of each tenant. The name and address of the collection agency is United Collections Bureau IncXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have written this agency twice with no written response. They did call in response and they did acknowledge that these funds were exempt but blamed XXXX XXXXXXXX for allowing them to seize/confiscate these funds.
|
| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX a federally protected consumer pursuant to the FDCPA is being harassed by United Collection Bureau Inc once again for payment of an alleged debt that I do not owe. This is the second time around that this company has harassed me about payment of an alleged debt, when they have no first hand knowledge of my relationship to the alleged debt. They also claim to be collecting an alleged debt bought from an alleged creditor who has failed to verify my obligation to any alleged debt pursuant to Title 15 U.S.Code 1692g. If the creditor in which United Collection Bureau Inc. bought the debt from could not verify my obligation to pay the alleged debt how is United Collection Bureau Inc. even assessing that I owe this alleged debt?
What Bureau or government agency is United Collection Bureau Inc. associated with?
|
| 10/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
{$1100.00} United Collection Bureau , INC I dispute your claim and I am requesting validation form you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
-Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or a document that holds me responsible for this alleged debt.
-Cease any credit bureau reporting until debt been validated by me as required by the FCRA XXXX
-Send me proof that you are licensed to collect my debt in my state.
-Send this information to my address listed above and accept this letter- sent as my formal debt validation request, which i am allowed under the FDCPA.
i will await your reply with the above requested proof. Upon receiving it i will correspond back with you.
|
| 02/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XXXX, 2020, I received a collection letter from UNITED COLLECTION LETTER BUREAU , INC, trying to collect on an alleged debt with XXXX XXXXXXXX XXXX XXXXXXXX. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
|
| 05/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to the hospital on XX/XX/2021 which I have gotten a full detail bill on. A charge on XXXX was put in collection on my credit report in late XXXX which I did not know prior till seeing this in my report I never heard of this amount owed. I reached out the the collection agency and they failed to give relative information such as detail billing on the date and the amount charged. I called both my insurance and hospital and they both stated that there was not a charge of XXXX relative on that date or any other date prior or present to that. I received detail bills from both my insurance and the hospital and that charge of XXXX was never on there. I have tried with the collection agency but they have no saying this was me, that have not provided correct information when it comes to billing.
|
| 12/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX I received mail from United Collection alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however XXXX responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.
|
| 11/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
XX/XX/2019 XXXX XXXX called with United Collections Bureau Inc. insisted I call a friend or family member today or she would make sure our credit was permanently affected. Insisted on employer info of my husband and myself, which I refused to give. Told me this debt has gone on long enough and since we paid every month since XX/XX/2019, it was not quick enough or enough money. Insisted I open a credit card so I could pay balance in full right now. I tried to make arrangements to pay before month 's end and was told that was not quick enough or enough money. I asked her specifically to stop bullying and harrassing me and explained I would hang up and call back. When I did she called me repeatedly. I asked to speak to someone else 5 times before she transferred me to her supervisor.
|
| 11/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
They claim I owe for merchandise I do n't remember ordering and never received from CA and IN.
XX/XX/XXXX, company name : XXXX XXXX and XX/XX/XXXX, company name : XXXX XXXX XXXX .
Original amounts : {$92.00} and {$97.00}, which as ofXX/XX/XXXX, the total comes up to {$270.00}, including other charges, penalties, interest, etc.
I have repeatedly informed them I never received this merchandise, and they keep on sending mail, and I keep on receiving constant telephone calls.
I have asked them to provide proof of anything ordered by me with my signature affixed to any purchase order, or something similar, and they have not complied with that request, due to the fact that there is no such paperwork in existence.
4
|
| 06/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There was a collection account placed on my credit report on XX/XX/2022 from a collection agency by the name of UCB Collections address XXXX XXXX XXXX XXXX, OH XXXX. There was a letter sent to the company by certified mail XX/XX/2022 and received by the company on XX/XX/2022. As of today the company has failed to validate the debt not VERIFY the debt. The company sent documentation that was not requested. The company has failed to validate this debt to be true by submitting the following ; -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature The company continues to report this erroneous debt to my credit report without proper debt Validation which is in violation of the FDCPA
|
| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I contacted the company with the VA to notify them that this is a billing issue. I am 100 % service connected XXXX with the Army and the VA would pay this bill is the bill were submitted properly thru the VA. This company has been persistent, has harassed my family, ruined my credit report and never notified me they would proceed forward with issuing this debt that I do not owe on my credit report. The patient advocate XXXX at the VA has repeatedly given this company protocol for getting this debt paid by the VA. They told her they would remove this from my credit report but have instead persisted with destroying my credit because their client improperly billed. There were several venues for payment including XXXX before sending this debt to collections.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am refiling this complaint to UNITED COLLECTION BURE Original creditor XXXX XXXX XXXX for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
|
| 06/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called XXXX XXXX XXXX. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX and they were taking XXXX XXXXon the XXXX of each month i made 3 payments then i get this letter from UNITED COLLECTION BUREAU who says i owe {$1800.00} i have disputed this many times sent the documents
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 2 ) account # : XXXX
|
| 09/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid UCB ( United Collection Bureau ) in full in XXXX of 2015 for a debt owed on state of AZ taxes. In XXXX 2015, the IRS took part of my refund and paid the state of AZ. AZ has attempted to work with me to get UCB to refund the payment made to them as I now have paid twice. For 3 months, they have put me off and told me it is being researched, or that the case is closed, or that they do n't know what the state wants. I even called them with the state on the line, and they told us someone would look into it and call us back : no call back ever received. I have made multiple calls and get the same answers every time. Recently they have become rude, and put me on hold, never coming back to the line. I just want them to send back my {$250.00} please.
|
| 09/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/2019 at XXXX XXXX C.D.T. I was contacted by a Ms. XXXX XXXX regarding a debt belonging to my EX wife whom I have been divorced from for over 10 years. Per the divorce agreement she is responsible for all of her debts. I do not desire to hear about this matter, my Ex Wife 's name mentioned, or harassed again by United Collection Bureau, their agents, substitute trustees etc, regarding any and all matters concerning my EX wife. I have instructed XXXX Co. Sheriff XXXX XXXX to have his deputies arrest her on sight should she be found on my property, or in close proximity to me. Can I make it any more clearer that stalking by her, or United Collection Bureau will not be tolerated.
United Collection Bureau XXXX XXXX XXXX XXXX, Ind. XXXX XXXX
|
| 09/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped!
Sincerely, XXXX XXXX XXXX
|
| 12/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
This is a Florida unemployment some XX/XX/2018 the manager at XXXX that then which is also known as XXXX approved my unemployment and then within three months later theyre telling me that I have an overpayment the amount was {$1600.00} now theyre saying are all {$1500.00} why should I have to pay if I did nothing wrong and it was approved the unemployment it is very difficult trying to get a hold of Florida unemployment department in XXXX I want to see the original application and their decision which proved that high was able to receive I do not feel after almost 3 years I have to pay for somethingAnd if I do I asked for a settlement amount and the collections department you see XXXX tells me they do not do sentiments all care about hardships
|
| 05/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call.
This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 08/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never received a bill for the medical service until almost two years later. I contacted XXXX XXXX XXXX XXXX and they said that my insurance company never responded when they sent the bill. I contacted my insurance company and they said they never received any information on the bill. I contacted the medical facility again and they admitted they sent the information to the wrong address. They sent the information to the correct address but my insurance company denied the claim because it had been too long since the date of service. I called the medical facility again and they said they would write off the bill since it was their fault. However, I just received a collection notice from United Collection Bureau , Inc. for this bill.
|
| 06/29/2019 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 01/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, I received a mailer correspondence regarding an alleged debt from United Collection Bureau XX/XX/23 dated XX/XX/23, I do not know who this alleged creditor is. I have never done any business with United Collection Bureau to owe any alleged debt. I do not know anything regarding this alleged account nor any alleged debt owed to this United collection bureau. I dispute the validity of this alleged debt and have attached a formal request for validation, and cease and desist correspondence if this alleged debt can not be validated for verification. Remove my information from United Collection Bureau system, I do not consent or authorize this shared creditor to have any of my personal/ private information.
|
| 02/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
United Collection Bureau, Incc.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has been sending me mail for several years now. It goes like this : Creditor : XXXX XXXX XXXX XXXX ( I HAVE NEVER HAD AN ACCOUNT WITH THEM! ) Last Four Digits of Creditor Account Number : XXXX ( NEVER HAD A CC WITH THEM ) UCB, INC. Reference Number : XXXX Account Balance : {$540.00} In regard to my XXXX XXXX account. Great News! UCB acting on behalf of XXXX XXXX XXXX XXXX is offering you the following settlement offers : ( then various options follow, with {$150.00} if received by XXXX ) I've checked with XXXX XXXX and they don't know what this is about. I'm on extremely good terms with them, as they've outfitted my home with audio and TV for years now.
|
| 07/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
To Whom It XXXX Concern : The reason I am filing this complaint with your agency is due to the United Collection Bureau for alleged violations of the Federal Telephone Consumer Protection Act. United Collection Bureau negligently, knowingly, and/or willfully placed multiple calls per week to my personal cell phone for the wrong person. I do not have any business relationship with this company, for them to continue to harass each day and not leave any message just hang-up, spoofing the number.
Furthermore, I greatly appreciate it very much if someone from the Consumer Financial Protection Agency could lodge an investigation into the violations stated in my complaint against United Collection Bureau.
Sincerely, XXXX XXXX
|
| 12/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company called today XX/XX/XXXX at XXXX asking for me, Mind you they have been calling for the past couple of weeks They asked for me I said yes what do you need they claim they are deby collection for UCB and they wanted me to verify my date of birth and address I would not give them that sensitive information over the phone nor will I ever. I asked them If they were legit then send me a letter they claim they don't have my address. well if they are a creditor they can get it from the creditor. I don't know who they are or what they want But I want them to stop calling me ASAP please I'm mourning the death of my father I will not be harrassed day and night over a bill. Please asked them to stop calling me thank you
|
| 12/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted XXXX XXXX on XXXX XXXX XXXX to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. XXXX XXXX took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/ I was alerted that a collection was added to my credit report by a third party collection agency United Collection Bureau. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with XXXX XXXX. When I spoke with XXXX XXXX I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.
|
| 06/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I had an overpayment from XXXX with the Florida XXXX XXXX XXXX XXXX, that was discharged in my Chapter XXXX Bankruptcy XXXX. I provided XXXX and their benefit payment unit a copy of my bankruptcy. I currently have an active, and payable unemployment claim. However, the XXXX contracted collection agency, United Collection Bureau, is garnishing 100 % of my state benefits to recoup my overpayment with them that was included in my chapter XXXX bankruptcy. I sent copies to XXXX, and United Collection Agency to cease all garnishments of my state benefits to no avail. This is a direct violation of federal law namely section 524 of Title 11 of the United States Code, otherwise known as a bankruptcy discharge violation.
|
| 01/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call.
|
| 04/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I get repeated calls from XXXX. Multiple calls per day for the last month.
They leave a message asking me to call back XXXX.
The voicemail is vague, saying they are from XXXX XXXX XXXX or United Collection Bureau with an attempt to claim a debt.
It's very suspicious. I talked to a rep once and asked them to mail me the information. They just kept repeating generic info and were trying to get personal info from me that I was not willing to provide.
I asked them to mail me and stop calling as I do not believe this to be a legit debt collector.
I would like their calls blocked as it is harassing. Please also look to add this number to your radar of suspicious/fraudulent/criminal callers.
Thanks
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am refiling this complaint to UNITED COLLECTION BURE for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
|
| 06/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 10/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
It was in XX/XX/2023 a debt collector called UCB had an entry on my report for {$840.00}. This was the first I knew about this, so I disputed it. Apparently the credit bureaus take the creditors side no matter what, because they left it on my report. Had I been given the chance I would have paid some, but never ever received a bill from these people. From all the complaints I've read about them, neither does anyone else. This is in violation to send this to the credit bureau without contacting me first. Once I disputed it on the credit bureaus I did receive something, but not an invoice or a way to pay it. I guess it was a validation and only after I disputed it with the credit bureaus.
|
| 09/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
XXXX hospital called me in XX/XX/XXXX reporting that I owed {$1400.00} from a XXXX XXXX replacing my XXXX XXXX in XX/XX/XXXX, which was identical to the XXXX I had on the XXXX XXXX in XX/XX/XXXX, all of which was paid by my XXXX and XXXX insurances. The hospital representative informed me that XXXX denied the remaining amount of {$1400.00}, but XXXX paid {$78000.00}, therefore I was responsible for the remainder. I called XXXX who informed me they denied it because the hospital coded the billing incorrectly and if the hospital would correct the code and resend it, they would pay it. I relayed that to the hospital representative but they have refused to change it or resubmit the bill.
|
| 06/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a text today from the previous phone number provided. to contact United Collection bureau Inc. at phone number XXXX which is a different number than indicated on their website. I find this suspicious deceptive and also intrusive as I have received no written communication from this company nor do I see them appear on my credit report. I emailed the company directly to either send me any formal written communication they have concerning any debts and to stop all other forms of contact until I have been given the appropriate and legal amount of time to review any claims. I have attached a copy of the email sent to the company should their memory be foggy on the subject.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
One year ago, I took a fall in a parking lot and caused significant damage to my XXXX and XXXX XXXX. I was taken to the Emergency Room at XXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the United Collections Bureau in XXXX, Ohio.
I have provided clear documentation to both XXXX and the United Collections Bureau and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.
|
| 03/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance
|
| 07/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
United Collection Bureau Inc is in violation of Privacy Act of 1974. UCB has obtained private information without my consent to use against me. This is identity theft. I received a misleading and deceptive settlement offer from their company on an account that does not belong to me as I have no legal obligation to UCB. Under the FDCPA, they continue to be in violation. consumer will take it a step further in seeking remedy per 15 USC 1692k. Consumer will follow this complaint with a complaint with the FTC for identity theft and fraud, as well as federal lawsuit unless they CEASE and DESIST all current and future collection activities and communication activities.
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today on XX/XX/XXXX I received a letter from United Collections Bureau , INC. Address XXXX XXXX XXXX, XXXX, OH XXXX.
Account number : XXXX Reference number XXXX Contact number : XXXX They are stating I was unsuccessful in making a payment with XXXX XXXX XXXX. This debt was currently being debated with the hospital due to improper care and error made during a procedure that caused me physical harm. My patient advocate is XXXX XXXX.
This creditor has taken a debt that the balance of the debt was only XXXX dollars and now has sent me a collection notice for XXXX. This is against the law according to Proposition 209, the predatory debt collection protection act.
|
| 02/17/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
A rep from United Collection Bureau called claiming that I owned a medical debt with XXXX XXXX XXXX XXXX from XXXX. They claimed to have sent out a letter, which we did not get, and they could not properly verify the mailing address. The caller refused to send out another notice through the mail. I did not give them any banking or personal info until I could verify the debt and the debt collection company. I called XXXX XXXX XXXX and spoke with the accounts office. They verified that we had been there, but that our bill was paid in XXXX. I also verified with the physician billing agency and confirmed that we do not owe any medical bills with XXXX XXXX XXXX.
|
| 02/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Received a letter XX/XX/XXXX from United Collection Bureau , Inc concerning collection of a XXXX, XXXX XXXX Consumer Account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting information : name and address of original creditor, copy of the original signed contract , delegation of authority, and a complete account /statement of payments, interest, fees, etc to support the validity of the debt. To date, I have not receive this information, but I have received many calls from this collection agency at home and at my work. My job does not permit to accept this personal calls and these calls may jeopardize my employment.
|
| 11/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
UNITED COLLECTION BURE XXXX Balance {$3200.00}
|
| 04/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I'm getting a derogatory mark from XXXX XXXX that I'm paying through USB Collections I called them 3 times to let them know I changed Bank Accounts. It was a charged off account but now it's showing not just a charge off but newer late payments after being charged off. On XXXX XXXX and XXXX left messages with no response My go to person is XXXX XXXX her Tell # is XXXX. My reference # XXXX I get her voice mail and says she would call in 24 hours and hear nothing from her My XXXX XXXX says XXXX is reporting it a late. I understand with the corona virus there are delays but I need them to contact me so that I can take care of this. Please someone help.
|
| 02/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I continue to receive bills from a collection agency, United Collections Bureau , INC for a medical debt for my son XXXX XXXX. At the time, insurance information was submitted for the XXXX coverage my son had at the time he was a minor. This company continues to harass me on behalf of XXXX XXXX XXXX Hospital in XXXX, Ohio. The dates of service all occurred on XX/XX/2016 with a total cost of {$790.00}. My son had Ohio XXXX full coverage health coverage during the entire 12 months of XX/XX/2016. I am not sure if this company is doubling billing and committing XXXX fraud or if their claim submission for payment to the insurance company was overlooked.
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company has violated my Hipaa rights as a consumer and refuses to take the 2 accounts they are reporting off of my consumer reports. I have requested documentation on these 2 said accounts which are double reporting on my consumer reports with XXXX XXXX. I have not signed any documentation for United collection Bureau to have ANY access to my private non public information yet they have copies of my procedures as well as my insurance information and test results. I have confirmed this with the original creditor as well. I want these accounts removed from ALL Consumer Reporting Agencies immediatly.
Account # XXXX {XXXX} Account # XXXX {XXXX
|
| 12/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company United Collection Bureau called me on XX/XX/2018. I sent a letter of validation, dated XX/XX/2018 ( I have a PDF scan of the letter, and sent it via certified mail ). However, they continue to contact me. They have called me on the following dates, without responding via mail : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018.
I do not know how else to get them to stop calling me at this point. My FICO credit score is over 800, and it is clear that the debt they are inquiring about is for a relative of mine, and not mine.
At this point I am seeking legal counsel and would like to pursue whatever form of civil or criminal claim.
|
| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX United Collection Bureau , IncXXXX erroneously withdrew {$5900.00} from my XXXX XXXX account ending XXXX. The debt that they are attempting to collect is associated with an identity theft problem that I encountered in XXXX. I have filed a police report and notified the Department of Revenue about this matter. Police report was filed in XXXX County MI report # XXXX. United Collection Bureau , Inc. never formally notified me that they were attempting to collect a debt. This debt is 10 years old from XXXX. On XX/XX/XXXX I reached out to XXXX XXXX at United Collection Bureau , Inc . He refused to help me with this matter.
|
| 10/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX.
On Tues, XX/XX/2019, a debt collector, XXXX, from United Collection Bureau, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt.
If you have any questions for us regarding his matter please contact us.
Thank you!
|
| 12/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay.
After this, I never received a bill for this service or any request for payment.
While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU.
My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ).
The Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment.
|
| 11/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified that I had an opportunity to dispute this debt. This has been added to my credit report and they haven't even sent me a notice validating the alleged debt -- This company is in clear violation of the credit collection laws -- also they never even stated if they can collect in my state, and they have never even confirmed that the statute of limitations have run out for this debt According to FDCPA codes ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " However they did not due this and instead reported to the credit burrows that the account was closed. This account was not closed or paid as it was never proven by UCB to be mine by the information i requested.
This collection needs to be corrected as removed NOT closed.
|
| 07/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX I received a letter from United Collection Bureau , INC XX/XX/XXXX I sent a debt validation letter via certified mail to UCB, INC XX/XX/XXXX I received a letter stating that XXXX the sister company of UCB, INC now owned the debt ( I was not sent any validation documents at that time ) XX/XX/XXXX I sent a default debt validation letter via certified mail to UCB, INC NO RESPONSE XX/XX/XXXX I sent out a second default debt validation letter via certified mail to UCB, INC NO REPONSE This organization is practicing unfair and deceptive debt collection acts by literally moving the alleged debt around between subsidiaries.
|
| 10/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a phone call on XXXX XXXX, XXXX at XXXX from a XXXX XXXX who said their company was XXXX XXXX debt collection agency. He called from phone # XXXX. He was asking for my daughter-in-laws mother. I asked how he got my phone number and he said through a XXXX party.
They have no right calling me looking for her and revealing that they are trying to collect a debt from her.
This is a disgusting business practice and a violation of her privacy.
I advise them I do not have her contact information and if I did I would not give it to them due to violating her privacy.
My phone number is also on the do not call registry.
|
| 11/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of 12 time in 8 days I say that " pretty aggressive.
XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time
|
| 01/05/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable.
5. Obtained a mortgage modification to save house.
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively.
I 'm afraid that bank accounts will begin to be levied or propterty seized.
|
| 03/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I made a one time purchase at XXXX and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her.
I was surprised with this letter from the debit collector.
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.
|
| 06/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Be advised, the following company UNITED COLLECTION BUREAU XXXX INC is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. UNITED COLLECTION BUREAU , INC must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by UNITED COLLECTION BUREAU , INC through mail to contract with them on an alleged debt I owed to XXXX 's department store. I have no idea who UNITED COLLECTION BUREAU XXXX INC is because I never gave them written permission to contact me about an alleged debt I owed to XXXX XXXX. They have used my personal information and shared it with another third party I have never heard of, to also collect on this alleged debt. Now that party is contacting me and I feel violated as my personal information is being passed around without my permission. They are violating my privacy and I would like it to stop.
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am trying to qualify for a mortgage. When my credit was pulled, the collection account showed and I was advised to pay it off. Paid it via e-check but now they refuse to provide me with a statement or speak to the credit bureaus to state that it has been paid for at least 30 days. I asked if they can just put a statement on my account that I authorized them to speak to XXXX and advise them the account has been paid but they have refused. I explain that everything has already cleared my account and I just need something in writing to give the credit bureaus but they have refused to update status of account.
|
| 04/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.
|
| 08/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
United Collection Bureau Inc. sent me a bill on XX/XX/2022 ( UCB Reference Number XXXX ) for an outstanding bill from XXXX XXXX XXXX, which was paid in full I have previously made more than 4 calls to the provider XXXX XXXX XXXX in regards to this matter. Each time I am told not to worry, they see the payment was mis-coded and to wait 30 days for a correction. Each month they send another bill.
Now I am receiving automated calls from this collection agency for a bill that was paid via my Flexible Spending Account on XX/XX/2022. I've included a copy of the check cashed by XXXX XXXX XXXX on XX/XX/2022.
|
| 02/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX ( UCB ) acting on behalf of XXXX contacted me between XX/XX/XXXX-XX/XX/XXXX to settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to UCB.
My credit improved. By XX/XX/XXXX, my credit score was raised from XXXX to XXXX.
In XX/XX/XXXX, this debt from XXXX reappeared in default, and my score suddenly plummeted to XXXX.
Why is this being reported now? Either XXXX is mistaken or UCB has violated the FDCPA.
THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM UNITED COLLECTION BUREAU ( UCB ).
|
| 05/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX had reported a frivolous collection on my credit report, that had frivolous charges associated with it for which I was about to file the attached lawsuit against them for.
XXXX XXXX agreed to remove the account following notice of legal action, ( see attached letter of deletion from XXXX XXXX However now United Collection now is reporting the account.
I am hereby serving notice to United that I am disputing this debt and I refuse to pay it and I will proceed with filing a suit in the even United continues its collection endeavors and reports this account on my credit report
|
| 05/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
United Collection Bureau, apparently calling from the telephone number XXXX, is identified on my XXXX as " Spam caller '', who calls, and never leaves a message except one, when I HAVE picked up, they don't identify their company business or who they are calling for, they ask for " XXXX '' and my name starts with a XXXX, but the only voicemail they have left was that they " have filed a case and plan to proceed ''. This tells me nothing. When I picked up their call they and asked who " XXXX '' is and who they are calling for, they began to get irate with me and hung up the phone on me.
|
| 05/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I informed United Collection Bureau that I have no outstanding account, no debt, no financial services accounts, no student loans ( I paid out of pocket in XXXX ) no government loans no balances. I asked them to remove me any any information related to any account from their database. My identification was stolen and used fraudulently from XXXX. The police report you have ( sent four times ) supports this. I ask for your help in ensuring United Collection Bureau does not have any contact with me and removes me from their database of fraudulent accounts they are trying to collect on.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
A tax warrant was issued against me for a tax debt owed to the Indiana Department of Revenue. The debt was sent to collections, and I paid the debt on XX/XX/2022 for the total amount owed of {$65.00}. I have since then received numerous calls and letters from United Collection Bureau for attempts to collect the debt, despite me telling them and providing them with proof ( confirmation page from their payment portal, bank statement of funds transmitted ) that I paid the debt. They still insist on calling me and saying that despite me showing proof, their end isnt showing that I paid.
|
| 05/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A letter was sent XX/XX/2021 to ( debt collector ), requesting validation of debt.They responded with medical records, a direct violation of Hipaa regulations.They violated 15 USC 6801-6809, using nonpublic personal information with out my consent or authorization.I never signed consent authorizing them to use my nonpublic personal information.
Enclosed with the complaint is a document where ( collection ), stated that I paid with a check which give them authorization to use my information with out consent.I provide my payment history where I never a paid nothing on this account.
|
| 03/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.
|
| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
Continuous calls beginning in XXXX thru the present day. There are several every day and at various times of each day. The only information provided is United Collection Bureau and phone number XXXX No information is given re what the debt is. To our knowledge we have no outstanding debts. We have contacted the XXXX XXXX XXXX of XXXX OH and were contacted by XXXX XXXX, Accredited Business Operations Facilitator at XXXX XXXX. She stated in an email to contact you. We have our phone on the do not call registry since XX/XX/2003 but it is not working. Can you help resolve this?
|
| 03/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been contacted by UCB ( United Collection Bureau ) 10+ times by phone and each time during my work hours of XXXX-XXXX and each time I have made them aware I am at work and unable to communicate. Each time an associate apologizes and states they will note the system to not call me during these hours. I have advised them they are harassing me and that I want it to stop. The last supervisor I spoke with told me the calls would not stop during this time or any time of the day until I paid and if I did not pay or set up an arrangement that a warrant would be sent to me.
|
| 09/27/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A companie called XXXX XXXX XXXX call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of 10 mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company
|
| 08/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
For the last several months, United Collection Bureau calls me 5 or 6 times or more every day attempting to collect {$340.00} - a bill incurred at XXXX XXXX XXXX in XXXX XXXX WA - a medical debt that was paid to the healthcare provider at the time of service.
The healthcare provider has verified to me that they do not use this collection bureau and that my account balance was indeed paid and is at a zero balance.
These are the calls just in the last two weeks : XXXX 4 calls XXXX 5 calls XXXX 5 calls XXXX 3 calls XXXX 2 calls XXXX 4 calls XXXX 5 calls XXXX 4 calls
|
| 03/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
As soon as United Collection Bureau Incorporated called on Tuesday XX/XX/2021 they began by asking for personal information such as social security number and date of birth which is first off alarming and unacceptable. They said its their means of verifying they have the right person. In my refusal to give them my personals they got upset. I then proceeded to tell them to send whatever this matter is to me in writing but after I communicated that they disconnected the call, TWICE. Very unprofessional and unethical practices! need some type of resolve in this matter!
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2023 United Collection Bureau , INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX sent a letter to my bank, XXXX XXXX XXXX, with the heading " CLAIM OF LEVY ''. Telling my XXXX XXXX XXXX to place a ( 60 ) day hold or restriction on all withdrawals on the account. The problem is that this letter is a Fraudulent Collection letter. Its not signed by a judge or court ordered. XXXX XXXX XXXX still put a hold on my account because of this letter. As of XX/XX/2023 my account is still being restricted even after talking a Manager at XXXX XXXX XXXX several times.
|
| 05/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collection Agency is trying to collect on a debt that has already been paid in full by Medicaid, the contract ended/was cancelled once it was paid, but yet the agency is still trying to collect a debt that I DO NO OWE THEM, I never entered into a contract with this agency, I haven't received any notification or documentation bearing my signature tying me to this debt, the agency never stated or sent any letters ( dunning ) stating I owe or they were going to put this on my credit report and give me a negative mark,!! I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY..
|
| 06/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
1, The debt collection communication violates federal law. The debt collector, UNITED COLLECTION BUREAU, called me at XXXX XXXX, XX/XX/XXXX and left a voicemail. I complained to them about the time but they called me again at XXXX amXXXX XXXX. XXXX, and left a voicemail. The evidence is attached.
2, The debt doesn't exist in the first place. Per the agreement between my insurance company and the hospital, if the hospital submits claims late, they should eat the cost themselves rather than collecting from me. A statement from my insurance company is attached.
|
| 11/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
United Collection Bureau " Robo-calls '' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor 's former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action.
|
| 10/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
United Collection Bureau is trying to collect a debt passed down from XXXX XXXX XXXX Bank that was a result of identity theft. I have a police report and claim number for this case. This company sent me a letter in the mail asking me to settle for something that I field as theft. This is harassment at this point because I am not responsible for the debt. The complaint number tied to this case was originally sent to XXXX XXXX XXXX Bank until I got a notice in the mail from United Collection Bureau. The original complaint number is XXXX back dated to XX/XX/2021.
|
| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.
|
| 10/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I keep receiving phone calls from United Collection Bureau ( XXXX ). I have repeatedly told them that the number they were calling was a work number and they are not to call it. I contacted them once again today, XX/XX/2020, and explained that I do not owe this debt or any other debt. I said that they need to stop contacting me. When I refused to provide my date of birth and current address, the gentleman refused to do anything. This is some alleged debt that I do not owe. They are constantly calling and sending mail to family 's houses, where I do not live.
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 08/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I received a call from United Collection Bureau or as they call themselves UCB. I was told that I have to pay my XXXX Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called XXXX of their offices, and spoke to a XXXX XXXX who claimed to be the XXXX. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX XXXX XXXX daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
|
| 11/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
We have a {$50.00} per month payment plan set up with XXXX XXXX.
XXXX XXXX XXXX is calling us on a debt that is being discharged. XXXX hospital told us is is a scam phone call & to disregard. Phone number called us is XXXX. This company hung up when I challenged them. They 've called us repeatedly, despite financial arrangements made with the hospital. The hospital billing told us this is a scam illegal activity by " XXXX XXXX XXXX '' & to disregard, report them. These people need to XXXX!! They are foreign callers from XXXX. Sick of being harassed.
|
| 08/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am being harassed by a debt collector that has not sent anything verifying that I currently owe a debt. I owe no one money as I have made sure that all of my debts are paid off. If this company inserts a debt on my credit report then it is in violation of the FDCPA & will be sued in small claims court. I have no problems going through the process because I have nothing but time & will not be bullied by debt collectors whom I owe no money to. Im sending this letter because I know without a shadow of a doubt that this information can not be produced
|
| 03/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
On XX/XX/2023 I was called by United Collections about an alleged Dept. I spoke with a senior manager by the name of XXXX. I informed XXXX not to call, email and not to have any communication with me until they could validate. I made sure he understood that he was not to call or communicate with me at all. on XX/XX/2023, I received an email asking me to pay the debt. On XX/XX/XXXX, I sent UCB a dispute letter and on XXXX XXXX I sent an email letting them know they had violated my rights and also they are not allowed to collect in my current state.
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I received a collection notification and I responded via certified mail requesting a debt validation.
I received a letter back from the collection agency saying enclosed is the information you requested. Upon my discovery Im looking at procedures and medications that were given to me in the XXXX XXXX.
I am appalled that the collection agency has this information about what I had done while in there. Furthermore I was given the proper documentation that I requested but they attached the description of transaction I had performed along with cost.
|
| 01/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notification of a debit that was posted to my credit report however no prior attempts were made for the debit to be collected. This debit was involved in a XXXX 's compensation case, I had contacted both the collections company and the original debtor to advise them that this was to be taken care of in a XXXX 's comp coverage, I had supplied them with the state case number, the XXXX 's comp case number and phone number. They fail to suspend the debit for further investigation and or cease collections along with report to my credit.
|
| 07/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.
|
| 08/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Call was placed to number and stated " stop all calls on all accounts. '' Calls were received from this number on the following dates and times.
XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX After each call to my cell phone, a call from this number was immediately received by a friend on their cell phone in which they stated this was an attempt to collect a debt. Each call to my family and friends requested a call back to XXXX.
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
A collection company known as United Collection Bureau , Inc from XXXX Oh, added a medical collection account showing XXXX XXXX XXXX. ( FCRA Violation ) This account was paid in full through my HSA. I provided proof of payment, they sent a letter stating they would correct the XXXX Credit report as Paid but they refused to delete the collection account. ( this is a FCRA Violation as all medical debt that is paid in full must be removed ) Both XXXX and UCB refuse to remove the collection debt that shows paid from my credit report.
|
| 03/10/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I continue to receive bills from the United Collection Bureau for XXXX XXXX. I have requested in writing that the United Collection Bureau to stop contacting me per CFPB guidelines and instructions and continue to receive notices. They said they would stop contacting me then the identity theft debt was transferred to another collection agency, I contacted them to stop contacting me in writing again, and then the identity theft debt must have been transferred back and now I am receiving notices from United Collection Bureau again
|
| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I have a XXXX XXXX credit card and they charged me for something I never allowed and do not recognize.
I mentioned it to them and they said that it was a mistake from them and they will fix it.
I went to the XXXX XXXX store and spoke to a customer representative and they confirmed that the charge is wiped off.
To my surprise, I received a debt collection notice with the UCB Reference Number XXXX XXXX
I can share any documentation if needed to support my position since I have sent several emails to XXXX XXXX.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is XXXX of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've contacted United Collection Bureau on many occasions to dispute this alleged debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with this company who remains uncooperative in attempting to rectify this amicably. Failure to remove this erroneous debt immediately from my reports will result in me filing a law suit against your company for many violations of the Fair Debt Collection Practices Act 15 USC 1692
|
| 01/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received numbers calls and voicemails from this company from the above number or similar phone number extensions noted below. Dates of calls are noted below. I answered once on XX/XX/XXXX, asked for proof or validation of debt, and was not provided with the information within 5 days.
Phone numbers and dates of calls : XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
|
| 06/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I began receiving phone calls from United Collection Bureau regarding an alleged debt that I am unaware of.
The phone calls are before XXXX and sometimes after XXXX. In a 7 day period I have received over 10 phone calls, sometimes being called twice in one day. Ive been bombarded with phone calls and voice messages.
I have received no explanation for the debt and have never received an account number via paper mail or any type of notice from the company but have only received demands for payment.
|
| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I been receiving threatening calls from this collector on an alleged debt that I have no knowledge of. My credit report doesnt reflect that I owe any debt. At XXXX XXXX, I received a call from an agent whom said I owed a debt. I asked what was the debt and he could not answer instead because I wouldnt give him my personal information to verify. He decided to call me a XXXX and a XXXX. I was in complete shock. Ive never witness such obscene language over a debt. He alas I impersonated a federal agent.
|
| 02/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company : XXXX XXXX XXXX XXXX Amount : {$520.00} For : Charges not covered by my insurance carrier for XXXX XXXX XX/XX/22 : XXXX XXXX confirmed both in writing and through repeated 3-way phone calls with XXXX XXXX XXXX XXXXXXXX and XXXXhe third-party debt collector that I am NOT responsible for this debt. This is an attempt by the hospital to " balance bill '' me.
XX/XX/22 : The hospital billing department agreed to appeal to my insurance company to attempt to collect the outstanding amount.
|
| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received two calls from the company and they left two vague voicemails. I called back and provided the reference number they gave me via voicemail. The rep would not tell me any more information unless I gave them more information. I let them know I am not comfortable giving information when they did not tell me in voicemail or when I called whom they are looking for and why. I asked them I would be reporting this as it was potential phishing for personal information under false pretense.
|
| 01/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I filed a compliant against this company X/X/2016 regarding there illegal collection tactics never received a response. Rep where XXXX XXXX & XXXX I also spoke with the owner of the company advised him his reps where pretending to be law enforcement. Multiple fdcpa violations. I requested {$5000.00} for the vilolations & removal from my credit report with the original creditor XXXX XXXX XXXX. I am wanting a respone or will have to seek legal action. I also need this removed from my credit.
|
| 04/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Someone keeps calling me and leaving voice mail messages IN XXXX. I DO NOT SPEAK XXXX. I SPEAK ENGLISH ONLY. However, the messages included the words, UNITED COLLECTION BUREAU , INC My current credit score is XXXX points. I HAVE NO DELINQUENT ACCOUNTS, nor have I EVER had a delinquent account. I'm a RESPONSIBLE PERSON. I PAY MY BILLS ON TIME!!!
UNITED COLLECTION BEREAU IS CONTACTING ME WITH THE INTENTION OF FORCING ME TO PAY A DEBT THAT IS NOT MINE, AND THAT I DO NOT OWE.
|
| 10/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I received a voice message on my iPhone yesterday claiming to be a debt collection agency and threatened to file charges against me tht I do not owe.
I do n't know the people. Could not make out who they represent.
The phone number is XXXX.
I did not call them back as they asked me to.
I do n't owe anything at all, not even income tax.
I also had received XXXX bogus calls claiming to represent the Treasury Dept. saying that I owe taxes which I do not and I hung up.
|
| 02/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call from United Collections Bureau. They stated I had a debt in collections. They asked to verify my DOB, SSN, and mailing address. I refused until they told me who my debt was to. They stated they could not give me that information until I gave them my personal information. I told the woman that the only debt I had was my mortgage and it was up to date. She asked me for my SSN again. Again, I refused to give them my information and the woman hung up on me.
|
| 06/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this item with the credit bureau and the collection agency. United Collection Bureau violation of Hippa is all the reason to remove the item from my credit. I asked for verification of this collection and the company didnt provide the proper verification. This collection was removed from XXXX and XXXX however XXXX has said that debt is verified on a couple different occasions. This is false and incorrect information being reported and told to me via experian.
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.
15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
|
| 04/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Debt collector has left several messages on a work phone which " does not state my name. '' The debt collector from phone number XXXX XXXX XXXX XXXX leave a message stating " this is a message for XXXX in response to debt matter, if this is not XXXX please hang up in XXXX second '' ... then she proceeds to say this in an attempt to collect a debt and states several other things. This is a clear violation of my privacy and personal information and I want it stop now.
|
| 06/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received collection notice for false admission to XXXX XXXX charged {$16000.00} with a balance owe of {$190.00}. I contacted XXXX and they had no amount that price submitted for XXXX XXXXXXXX which I had in XXXXXXXX XXXX I then contacted United Collection Bureau, XXXX XXXX XXXX. XXXX OH XXXX and ask why I wasn't sent a previous bill stating I owe money and told them, I never was admitted to this hospital in my life. The XXXX XXXX I had done was less than {$5000.00}
|
| 10/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have repeatedly told this company this is NOT my debt. They keep telling me that this is all of my info and I keep telling them this is what happens when there is IDENTITY THEFT. They are rude, call numbers that should NOT, do not follow all of the laws of collections when they are advised of identity theft. I have advised them before and asked them if they would like a copy of my police report and I always receive a response but nothing to follow behind that.
|
| 06/22/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
United Collection Bureau , Inc. ( dba XXXX XXXX XXXX ) has contacted me multiple times attempting to collect an alleged debt. I have demanded that United Collection Bureau , Inc. provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that United Collection Bureau , Inc. is authorized to act in loco creditore. United Collection Bureau , Inc. has failed to provide all of the information I requested.
|
| 04/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The original account was fraudulently opened at fingerhut then they sold it to a collection company I contacted that collection company telling them it was not my debt and they said they would remove it off of my credit then a week later they sold the fraudulent debt to another collection company who is threatening to put it on my credit and Garnish my XXXX XXXX. When is this gon na stop I've already filed for identity theft and have proven it is not my debt
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
United Collection Bureau purchased an alleged debt with my sons private and personal medical information from XXXX XXXX. Then the sent a letter to me in the mail stating they are attempting to collect a debt in the amount of {$200.00}. This is identity theft and fraud. They violated many laws including 15 USC 1692a by invading my sons privacy. Someone at United Collection Bureau will be criminally liable for willful and knowing violations under 15 USC 1611.
|
| 05/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has sold my debt from a medical bill it is showing up from two different companies XXXX XXXX and ucb it is appearing as two separate debts and has done 40 points of damage to my credit report.
This was a Covid-19 related expense and should have been paid however I am getting the run around and I know it was sent to my XXXX I also didnt give permission to share my medical information and I feel that it is a violation of my hippa rights
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
United Collection Bureau XXXX XXXX XXXX, XXXX, OH XXXX Calls me regarding a family members debt. I continue to receive calls. I had to call them back and told them to stop. I told them their practice is illegal in XXXX In MN it's illegal to do what they are doing. Calling others and speaking about debt collection with everyone but the actual person. They asked me if I could get in contact with this person. This is not acceptable and they need to be fined.
|
| 09/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
|
| 07/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
United Collection Bureau , INC . Trying to play games for illegal debt collection on XXXX account. I never charged anything on my XXXX card for past 1-2 years. now they sending me the bill of {$280.00}. I ask them to send me the receipt with my signature and there is NO Reply from them for last 2-3 weeks. Looks like they have Fake website and email address? or This company does not even exist? Please Investigate are they exist? or this is XXXX Scam?
|
| 04/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act United Collection Bure Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received calls from XXXX multiple times in the past week. Voicemail indicated that they were trying to collect a debt but did not say my name, what the debt was for, who they were collecting the debt on behalf of, or the amount owed. Search for phone number XXXX indicated that others had the same issue. The phone number they told me to call back was XXXX, which also generated a negative search.
I want the calls to stop and the scam put to a halt.
|
| 04/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I just bought my minor child a phone and this debt collector keeps calling her every single day since we got the phone. Its sickening that my minor child is being harassed by a collections agency when nothing belongs to her myself or my husband. We dont even know how they got this number since its brand new. The number that keeps calling my XXXX child is XXXX. We owe no debt and Im trying to figure out how a collections agency got her number.
|
| 12/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been in a debt consolidation company for the last year and a half and have been paying this company through the debt consolidation company I have been paying XXXX a month to pay off the balance and only owe XXXX left which they initially agreed upon now they sent me to collections and are trying to make me pay the full balance which I already been paying down only owe XXXX. This does not seem right it seems fraudulent to me please help
|
| 06/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Employee number XXXX ( XXXX, XXXX, XXXX, all same man ) has repeatedly called me and when I ask for verification he hangs up on me stating he is done with the call. I have asked to speak with the supervisors only to be given another name but the same gentleman. They tell me that there is only him Monday- Friday. No one else can assist me. Very rude and unethical communication. Ceist and disist is inorder for not following proper procedures.
|
| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, I was contacted my XXXX with United Collection Bureau Incorporated for a medical bill that my husband owes - I do not owe this - and they keep harassing me. Futhermore, this is a debt he doesn't owe because we were told that our insurance company would cover it for my XXXX XXXX XXXX XXXX. We paid money up front for this and I am being harrassed. I told these people at least twice, this is my husband 's debt and to not call me again.
|
| 05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company called my phone 3 times in a row this morning after they got no answer. I am terminally ill, considered XXXX by the federal government, meaning I am on XXXX. I only answered because I assumed it was one of the companies who monitors my implanted XXXX XXXX trying to warn me of an issue after the 3rd time in a row only to find these vampires on the other end. I also have received no written letters or conformation of debt.
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A mailing correspondence was sent to my ex wifes relative house at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address. I have never done business with this company United Collection Bureau , Inc. nor have i ever given consent or authorization for this alleged debt collector to have any of my personal/private information. I do not have any knowledge of this alleged debt, I dispute the validity of this alleged debt.
|
| 02/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I got a letter demanding payment for a debt that I didn't incur. They claim that the original debt was owed to a jeweler. I have never bought any thing from that jeweler. They got my name is wrong ( incorrect middle initial ). The last four digits of a credit card number were referenced, but I have never had a credit card with that number.
The debt collection company is : United Collection Bureau XXXX XXXX XXXX XXXX, OH XXXX XXXX
|
| 08/03/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was called and a voicemail was left stating it was an attempt to collect a debt. I returned the call and someone verified they had no information regarding my phone number. This was a scam attempt and the company should be looked into. The phone number originated from XXXX but the callback number provided in the voicemail was XXXX. I requested to be removed from their call list, but could not confirm that actually took place.
|
| 09/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I has come to my attention, thaXXXX XXXX XXXX XXXX XXXX has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
|
| 06/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare.
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances.
Consider such calls as criminal activity collecting personal information and pulling money from people.
|
| 07/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A representative from United Collection by the name of XXXX XXXX at XXXX extension XXXX called my elderly mother and father in law and told them I have a uncollected debt and they need to reach me. I have never listed this address or phone number as a contact and my correct address and phone number are public information and listed on my account. This was a violation of my privacy and had my elderly in-laws very upset.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 06/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I request Validation of the alleged debt however information was not provided that included a breakdown of the debt amount, whether or not the alleged debt is within the Statute of Limitations for my state, my physical or digital signature, the address information of the original creditor, as well as proof that the collection agency XXXX XXXX XXXX has the authority to try and collect this alleged debt from me.
|
| 08/04/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I received a call from United Collection Bureau in XXXX Florida. They continued to call my cell phone, and then called my neighbor. I was threatened and told that not only would they take legal action but they would see my husband was XXXX. This was on a XXXX account - When I looked up the company it talked about scams, and that one of the owners XXXX XXXX is a horrific person to work for and pays people off
|
| 12/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Found a debt on my credit report that was posted in XXXX of 2020, by United Collection Bureau. I was never notified of the debt prior to it appearing on my credit report. I filed a dispute with the credit company and was notified there was nothing I could do. I was later sent a letter from a law office in another state about the debt. I don't know where the debt is from prior to it being sent to collection.
|
| 11/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
While I am at work the collection agency repeats calling me during working hours about a hospital bill. I have not yet received any notice from the hospital explaining the bill in question, so I can provide medical insurance information and have my insurance pay for the bill or whatever needs to be covered by the insurance company. They just outright put me through collections without any notice.
|
| 10/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
This company hired XXXX XXXX to call and claim they are processing a claim against me by XXXX for a lease contract from 5 years ago. This contract is beyond the statute of limitations in the state of California. XXXX XXXX also contacted my father and mom before contacting me and gave them all the information about this case they claim they are opening against me without ever reaching out to me.
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ive tried calling UCB ( United Collections Bureau ) at phone number XXXX and XXXX to pay my debt and have not been able to get in contact with anyone. I need to pay this debt which is affecting my credit and cant manage to get a hold of anyone from the company to help me. I have left voicemails and called multiple times just to be on hold for over XXXX minutes and then be sent to voicemail.
|
| 10/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX has been sending mail to my neighbors, any relative they could find with collection slips and information regarding confidential information including the debt amount and company it is being collected for along with ways to pay. My relatives are growing increasingly agitated by these tactics and have even threatened to sue the company named above to get it to stop.
|
| 10/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I recently disputed this debt collection online. I received a letter back from United collection bureau. It does contain HIPPA violations. The letter they sent me contains dates of service, procedure codes, and procedures completed. I request that this collection is immediately removed from my credit and all attempts to collect are ceased. They have violated my medical privacy.
|
| 12/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
EVERY DAY we are receiving a telephone call from the United Collection Bureau ( telephone number ( XXXX ) XXXX ) which is a computer generated call and contains a pre-recorded statement to hang up if the call is being made in mistake. We do not want to receive this call, can not stop it, and do NOT owe anyone any money and should not be subjected to this telephone harassment!
|
| 05/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Yes. XXXX outsources to XXXX XXXX who outsources to a debt collection agency. XXXX never sent a letter confirming they owned the debt. They use sneaky tactics like outsourcing to XXXX to debt collection agencies. They use a collection agency, United Credit Bureau in Ohio who are unprofessional and scare you into paying what you can not afford. They need to be investigated.
|
| 06/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hi - I have requested the Method of Verification & Validation of debt from the United Collection Bure account # XXXX. I have not received an response in over 30 days. However, they have placed this information on my credit report.
Per the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX was paid in full by XXXX XXXX, both on XX/XX/XXXX, XX/XX/XXXX. When i spoke to patience accts in XX/XX/XXXX, I was informed this was taken care off, as XXXX overpaid hospital bill and they where going to cover this amt.
Hospital send this over to XXXX XXXX which close the acct as paid.
now united collection bur is re billing on an acct taken care. of.
|
| 04/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have XXXX debt in my life. I have always paid all my bills on time and in full. i checked my credit as well, and I'm clear. And no letters in the mail. And all of a sudden, the past 3 weeks, I am receiving a call everyday from united collection bureau from # XXXX. And they say to call XXXX. They never say my name or specifics. Scam! Please help me to get them to stop!
|
| 08/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In accordance with the fair credit reporting Act United Collection Bureau XXXX XXXX has violated my constitutional rights.
.According to article 15 U.S.C . 1681 Section 602 A.
, states 'I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
|
| 09/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The check for the full amount due ( {$1400.00} ) to the original creditor was mailed on XX/XX/2021 & cleared my banking institution on XX/XX/2021. This issue was deleted from my credit report with XXXX & XXXX on XX/XX/2021 based on my supporting documents. United Collection Bureau is still reporting this as a valid account with XXXX, which is obviously Fraud.
|
| 11/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My son received XXXX from XXXX XXXX XXXX XXXX. My health insurance did not cover the XXXX which left me underinsured. The XXXX program through the CDC pays for the XXXX of the under or uninsured which was my issue. I no longer have a bill because of that but this company has placed this debt on my credit report although I owe no bill to XXXX XXXX XXXX XXXX.
|
| 05/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX does not have any affiliation or contract with United XXXX XXXX XXXX XXXXXXXX United Collection Bureau , Inc . is attempting to collect an allege debt that has not been verified pursuant to 15 USC 1692g. United Collection Bureau , Inc . has not provided any adequate documentation proving their right to harass me about this unknown alleged debt.
|
| 06/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
The creditor has not provided the following information to support the alleged debt : 1. name and address of the original creditor 2. a copy of the original signed contract, 3. delegation of authority giving you the authority to collect the debt 4., and a complete accounting / statement of payments with interest and fees associated with this debt.
|
| 07/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have no idea were this account came from, I've tried to call and write multiple time but no one answers or responds. I've never even received a letter or phone call from these people, the only reason I even know about the debt is because I'm currently in the process of building my credit and whatever this account is, is getting in the way.
|
| 09/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello this is XXXX XXXX the consumer and I have enclosed an Affidavit of Truth, a Cease and Desist with demands of I, the consumer, and exhibits as proof of United Collections Bureau , Inc discrimination against I, the consumer. You, United Collections Bureau , Inc, have 15 business days, upon receipt, to respond to and satisfy my demands
|
| 08/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
United Collections Bureau , Inc. reported an account that I have been paying on for several years against my credit report and my score dropped XXXX points. I had XXXX accounts with them and I have successfully paid off 2 in the past year. I am working on this last account/XXXX XXXX ( XXXX ) and pay monthly. They reported me derrogatory.
|
| 11/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I sent UCB a verification letter on XX/XX/2021 and UCB has violated my XXXX rights by obtaining and having my medical records release to them. I have never signed a XXXX form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you
|
| 03/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.
|
| 10/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
I received a garnishment on my checking account from United Collection Bureau XXXX. The amount is for {$6400.00}. I have been trying to call them for several days and have spent hours listening to music. I don't know what the garnishment is about. i just know there is a hold on my checking account for this amount. I need help.
|
| 11/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.
|
| 11/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.
|
| 10/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
UNITED COLLECTION BUREAU Contact XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 04/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Im a US XXXX Veteran I have a family of XXXX and Ive worked hard to get my credit up. The VA was working on the problem and was in the process of paying it.
I got a loan and payed it off quicker so the VA will reimburse me.
Can u please give me my points back or repair my credit score to the way it was, please ...
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Im a US XXXX Veteran I have a family of XXXX and Ive worked hard to get my credit up. The VA was working on the problem and was in the process of paying it.
I got a loan and payed it off quicker so the VA will reimburse me.
Can u please give me my points back or repair my credit score to the way it was, please ...
|
| 02/23/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.
|
| 11/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calls 5 tines a day about a medical bill. I finally thought of them stop calling and mail me the bill and I will pay in full on Friday. They agreed to send m can ge bill ( which I still havent received ) but said they wont stop calls me me.
Its irritated my. Theyve called 5 times already today and will call 5 more.
|
| 07/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
Caller ID says call is from " Unavailable '' and says call is coming from XXXX. Voice mail says recorded voice is calling from United Collection Bureau Inc. Does n't say who they are calling or what they are calling about. Asks that I call XXXX. I have no debts, I ignored the call. Call came at XXXX XXXX XXXX, 2016.
|
| 06/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from a collection company stating that I owe XXXX XXXX XXXX but I never had a credit card with XXXX XXXX.The amount is $ XXXX.I have sent several letters, 609 letters to the credit bureaus and also to the company. I have received letters from different collection agencies about this bill.
|
| 10/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter from united collections Bureau incorporated XXXX XXXX XXXX. XXXX OH XXXX. Telephone number XXXX.
They list the debt of {$7600.00}. This is with XXXX XXXX XXXX XXXX account ending XXXX. I have no knowledge of this debt and XXXX has no knowledge of this. This notice is dated XX/XX/2023.
|
| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I the consumer asserted my rights to validate a debt with UNITED COLLECTION BUREAU INC. However, UNITED COLLECTION BUREAU INC decided to continue violate my rights by denying me the right to validate any " alleged '' debt amongst others. I have details of these individual actions in the attached documents.
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2023 I sent out a letter asking this company to validate the debt that they claim I owe. In return this company sent Medical records that I did not allow them access to receive. I did not sign a HIPPA form authorizing this collection agency to access my medical records. This is a HIPPA violation.
|
| 02/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
United Collection Bureau , Inc. Continues to contact me via phone and mail regarding a debt of {$27000.00} for XXXX XXXX Visa Card . I filed Chapter XXXX Bankruptcy with the United States District Court of Minnesota Bankruptcy Court and the debt was completely discharged under Chapter XXXX bankruptcy.
|
| 04/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
|
| 06/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 {$4300.00} United Collection Bureau , Inc .
Current Creditor XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX THE ACTIONS THAT WERE TAKEN THE ACCOUNT HAS BEEN PLACED TO UNITED COLLECTION BUREAU FOR COLLECTION AND AUTHORIZED TO OFFER A SETTLEMENT IN THE AMOUNT OF XXXX.
|
| 05/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022, United collection bureau has violated my consumer rights. Fair debt collection practices act laws have been broken by this company. I have attached documents for the C.F.P.B as proof of the violations. My affidavite and invoice are attache as well. I want monetary relief.
|
| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received treatment by XXXX XXXX XXXX on XXXX. They sent the bill to collections through United Collection bureau XXXX for {$600.00}.
I paid the {$600.00} in full.
My health insurance paid the claim on XX/XX/2021. The collection bureau is refusing to refund or correct the account.
|
| 06/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not received any notifications about payment owed after a payment was made in XX/XX/. Not a single attempt to collect was sent my way from XXXX XXXX - phone or mail - so 2 years later getting a notice from a debt collector comes as a complete shock and unwelcome surprise.
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have receiving a hospital bills from the same place but different amount and different collection agency now i received a bill for XXXX i told them i didnt go to the hospital the year and time frame they had on my credit report and i never received a bill because i never went.
|
| 07/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Keep receiving phone calls about collecting a debt. Don't owe anyone, other then one credit card which is paid off monthly ; card is current to date. My credit is monitored by me very carefully. Score is XXXX. Have never been sued or received any notices in the mail of any debt.
|
| 10/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
They called about a debt that was not done by me they said they understood but next day kept calling me and pressing me, i told them the situation and called or something to a Law Firm thats extremely far from me saying they will arrest me if i was pulled over or something.
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Even though I told them to stop calling and written communication only they still call. They never sent me a debt validation letter like I requested and then they threatened to throw me and my family in prison for a bill, but they won't even tell me what the bill is for.
|
| 10/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would.
|
| 07/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am getting repeated calls and voice messages from debt collectors. I have no outstanding derogatory debts or accounts that would cause this. I am being incorrectly targeted. I have answered the calls and told them they have the wrong number but they keep calling me.
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 01/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX
|
| 12/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
This company UCB XXXX ( XXXX ) XXXX called my mother and father regarding my debt with XXXX XXXX XXXX XXXX. They told my father that I owed money and told him the exact amount, which he texted to me. That is entirely unethical and illegal and I want them to stop.
|
| 03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me several times a day repeatedly. I have asked them to remove me from their calling list and they say they do but continue to call me. When I ask them to remove my phone number from their call list they like to phish for more personal information.
|
| 03/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am seeing on my credit report a collection from united collection bureau of the amount {$2000.00} this is a medical bill I am a victim of identity theft and I called them and told them such.
This is a debt that resulted from someone stealing my identity.
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I sent a certified debt validation letter to XXXX XXXX XXXX requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I sent a certified letter requesting debt validation and was send a letter stating " no further investigation is required under section 12 c.f.r. 1022.43 ( f ) of the FCRA '' I have been told that I am not able to receive the validation I requested.
|
| 02/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Number calls continuously, sometimes as many as 4-5x a day. They call and if picked up refuse to acknowledge. They refuse to identify who they are and why they are calling. Skip trace of the number indicates it belongs to a United Collection Bureau.
|
| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
UCB ( United Collections ) is stating I still owe them {$570.00} however i payed this in full and they agreed to remove it from my credit history. I have a screenshot from my bank account showing the transaction to them. It was payed on XX/XX/2022.
|
| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called United collection bureau to pay my debt on 2 medical bills. We only have health savings card to pay medical bills with just enough to cover the debt. They wanted to charge {$14.00} free to make the payment. Would not work with me at all.
|
| 11/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
After review of my credit reports I noticed a debt that I know nothing about, I contacted United Collection BURE to get verification and they never sent me verification with my legal name etc that verifies this fraudulent account belongs to me!
|
| 06/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Called multiple times, each time I get a voicemail that states " This customer is not receiving voicemails at this time. Goodbye. '' Also sent multiple letters requesting verification of debit and haven't received any correspondence in return.
|
| 03/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have no idea who the firm is and requested that they stop contacting me especially while at wok. This request was sent in a reply to the text messages they sent me. I have received numerous phone calls daily at work after this request.
|
| 01/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I don't know what this company is inever signed any contract with them in by law ALL DEBTS are paid through Title 18, sec8,, as well : as hjr192 in public law 73-10, and I can go on in on pertaining to LAW in also I never sign anything.
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This bill was paid in full and the company is saying I owed in finance charges this is unbelievable my account was paid off and after My account was paid off then they send a next bill saying thats the finance I paid chase bank in full
|
| 05/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.
|
| 02/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
They sending me a letter for a debit card, that I never received or never had received money from them, they tried to scam me, I only have one bank card and I never received money from you guys, I want they stop sending me letter
|
| 04/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved a negative inquiry on my account from a debt that has not been used my me and there has been no attempt to prove that this debt belongs to me especially during covid these lenders are being asked to proceed differently
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This company keeps calling me to collect a debt that is no longer owed. Chapter XXXX was filed months ago and I should no longer be getting these phone calls. I have asked them to take me off the list and they just hang up on me.
|
| 03/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me.
|
| 03/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
|
United Collections Bureau XXXX is attempting to collect a debt that is inaccurate and false. Please remove this account from my XXXX, XXXX, and XXXX credit reports and force United Collections Bureau to cease contact with me.
|
| 06/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with UN COLL XXXX plus they did not provide me with the original application like I asked.
Account No : XXXX** Amount Disputed : {$930.00}
|
| 04/11/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/21 I noticed this company on my credit report. I have no idea of who they are and doesn't have any outstanding debt. I have never received an bill or call regarding this bill. It has caused my credit score to fall.
|
| 03/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling.
|
| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXXXXXX plus they did not provide me with the original application like I asked.
Account No : XXXX XXXX XXXX : {$930.00}
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello I was XXXX when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and XXXX XXXX
|
| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I called united collections bureau multiple times back after receiving voice messages. They put me on hold to speak to someone each time and I got hung up. I left them multiple voice messages and they never responded.
|
| 09/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive 2-6 calls daily. Often, they will call twice back to back from two different numbers. They have also called my husband without my permission and revealed to him that they were calling for me about a debt.
|
| 10/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On my credit report there is an auto loan from XXXX XXXX that I no longer have a vehicle in my possession from XXXX also I am being called by United Credit Bureau collection daily for collection that I do not owe
|
| 06/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Older American |
|
XX/XX/2022 Recieved a Text from : Phone number XXXX Claiming to be United Collection Bureau , Inc. asking me to call XXXX or visit ucbinc.com do not have any outstanding debt. This is a phishing scam.
Thank You
|
| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
United Collection Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 07/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
i was a victim of identity theft and theirs a XXXX credit card account on my credit report that does n't belong to me. United collections bureau are contacting me non-stop trying to collect the debt from me.
|
| 07/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY IS TRYING TO SETTLE THIS DEBT WITH ME AND ITS NOT MY DEBT. SO IM ASKING FOR PROOF OF CLAIM. I WANT TO SEE MY NAME SIGNED ON A CONTACT. IF THIS COMPANY CANT SHOW IT HAS TO BE REMOVED.
|
| 11/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dated XXXX, I received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$3400.00}. Please provide validation of this alleged balance per FCRA regulations.
|
| 11/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
United Collection Bureau This Company is stating that I have a out standing balance that is inaccurate and will need to undergo a recalculation immediately the current debt owed is incorrect
|
| 03/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
UCB Collections has been reporting to my credit report that I owe them a debit that has not been verified after multiple attempts to verify the debt. There is no debt owed to this company.
|
| 03/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good morning my name is XXXX XXXX and I am writing to you to report XXXX XXXX XXXX from XXXX, OH.
I wrote them XX/XX/2018 to ask them to please validate the debt and they never responded.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They use a number that spoofs someone from my state. It shows up as spam risk and I have told them to stop calling me. They are now harassing me. The most recent was XXXX at XXXX XXXX.
|
| 05/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Everyday a call from XXXX comes into my work number which is XXXX and its a recorded message saying I owe money with my name in it - XXXX XXXX. Im going to get fired if they dont stop.
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I do not know who this collector is. They are harassing family members. They say they are with 'united '. I've never heard of this company and do not know the reason they are calling.
|
| 07/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Today a woman from United Collection Bureau repeate dly called me at work and refused to delete my work number from the contact information unless I gave them another number to call.
|
| 07/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I tried to despute it on XXXX but they still keep insesting that I owe almost {$2000.00} AND I only owed them {$50.00} and some change and they are messing up my credit bad
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collectionsXXXX
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY
|
| 03/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
UCB collection contacted my XXXX XXXX time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid off the debt and they have not reported it to the credit bureaus and have not removed the accounts in full like 7 other accounts that i paid off on the same day.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
2-3 times weekly calls from XXXX and XXXX re : debt collection that was not correct. Company calls with robocalls and live body calls. Not specific with messages left.
|
| 09/20/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have received many calls everyday from united collection bureau. They have never sent me any type of mail informing me of the debt they are attempting to collect on.
|
| 03/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.
|
| 06/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
After speaking with the company twice and confirming my proper contact information they continue to contact my family members after being told not to numerous times.
|
| 09/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt and I have never spoken to anyone regarding this debt being owed. Please provide proof with my signature that this is my account.
|
| 01/15/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
They call my number and does not state who the debt is for. The company is XXXX. To collect a debt is for XXXX. I don't owe any debt.
|
| 08/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing.
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company is contacting me for my father. They are not even contacting me for me. This is not my debt so why are you calling me
|
| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They called someone I know but Im not family with or friends with that person I dont even know how they got that persons number
|
| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
they are sending letters and report to credit bureau bills what was paid already by my insurance company and jus lie to me
|
| 03/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have already disputed this debt once before and it was removed from my credit report because it does not belong to me.
|
| 07/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call XXXX or XXXX times a day let it ring once and stop. It is getting annoying. Has been going on for months now.
|
| 11/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
this collections company is repeatedly calling myself family and friends all hours of the day threatening all involved
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have asked them to cease and desist from calling me or writing to me and I am still getting letters and phone calls
|
| 10/13/2023 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am making a monthly payment. Therefore, i dont understand why I am receiving a letter from debt collector
|
| 06/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have not received a letter in regards to the debt or been notified of my rights to dispute the debt.
|
| 01/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Ucb collections charge off XX/XX/2021? i do not owe the XXXX $ i didnt receive any service or request
|
| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt Collector is trying to collect a medical debt that was already paid out by my insurance company.
|
| 09/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This co united collection bureau inc calls several times a day calling with 2 different numbers.
|
| 12/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ID Theft Victim. See letter attached, and report. If not resolved, legal action will follow!
|
| 02/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This number keeps calling me XXXX XXXX they won't stop they asking me personal information
|
| 09/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Consistently calling me at work even though I told them that I can not take calls at work
|
| 03/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is false and needs to be removed from my credit report and history
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They keep calling even though they were advised the dedt is invalid.
|
| 08/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Commuications are being hijacked. Receiving fraudulent mail pieces.
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got a bill from collection of a credit card i never apply for.
|
| 09/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA
|
| 09/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They just poof numbers and call nonstop on my cellphone.
|
| 06/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was billed for two medical bills and I had insurance
|
| 01/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Scare tactics to include seizure of my home
|
| 10/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
constant calling and threatingin
|
| 01/31/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Older American |
|
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/05/2024 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/27/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Postal mail |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
|
| 03/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 07/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Phone |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/28/2022 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 01/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Phone |
|
|
|
| 11/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American, Servicemember |
|
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Phone |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
|
| 08/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 06/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 03/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Servicemember |
|
|
| 02/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
Older American |
|
|
| 01/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/21/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 10/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American, Servicemember |
|
|
| 07/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 06/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
Servicemember |
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 06/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 06/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 04/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 11/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 10/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/25/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 08/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/08/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 07/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American, Servicemember |
|
|
| 04/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Referral |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/16/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 07/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 05/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 04/05/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 03/29/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 03/18/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 02/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/12/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/11/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
Older American |
|
|
| 07/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 07/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 06/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 05/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 04/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 04/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
|
| 03/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Referral |
|
|
|
| 12/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
Older American |
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 11/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 10/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 09/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/19/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 06/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/09/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 04/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
Older American, Servicemember |
|
|
| 03/24/2015 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
|
| 03/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 02/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 02/03/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 12/21/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
Older American |
|
|
| 12/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
|
| 12/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/08/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/08/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 10/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/10/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 09/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 08/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
|
| 07/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American |
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 07/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 06/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 04/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/08/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/05/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Referral |
|
|
|
| 03/16/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 02/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 01/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 01/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 01/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/27/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
Older American, Servicemember |
|
|
| 12/20/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/03/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/19/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/15/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/07/2013 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/02/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/31/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/11/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/29/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/26/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 09/21/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/18/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/16/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/13/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/10/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 08/16/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/08/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/03/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Referral |
|
|
|
| 07/29/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/27/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|