United Consumers Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web
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 METRO 2 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 The 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 ( 1 ) 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. UNITED CONSUMERS, IN bal. {$1500.00} 2. UNITED CONSUMERS, IN bal. {$1400.00} 3. UNITED CONSUMERS, IN bal. {$1800.00} 4. UNITED CONSUMERS, IN bal. {$1400.00} 5. UNITED CONSUMERS, IN bal. {$1400.00} 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 XXXXXXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	Web
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 METRO 2 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 , 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 The 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 ( 1 ) 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. UNITED CONSUMERS, IN bal. {$410.00} 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 CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
11/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 20170	Web
XXXX mailed to me a statement dated XX/XX/XXXX ( copy attached ) in the amount of {$45.00} due for services rendered XX/XX/XXXX. I checked this billing against my Claim Details with XXXX ( copy attached ), which indicated that I owe nothing, zero ( {$0.00} ) for those services. I chatted with an XXXX representative XXXX XXXX XXXX online XX/XX/XXXX, who contacted XXXX by phone at XXXX. XXXX told the XXXX rep. that she would have my " account adjusted to remove the patient balance of {$45.00}. She asks that you allow up to 45 days for completion. '' I hoped that the matter was resolved, but having had to contact CFPB in the past about XXXX, I suspected further trouble. I was correct. On XX/XX/XXXX I received a new statement from XXXX ( copy attached ) indicating that the {$45.00} charge had indeed been removed, but now XXXX was billing me for {$1100.00} for the very same services rendered on XX/XX/XXXX. Once again, sometime XX/XX/XXXX, I chatted online with an XXXX rep. XXXX XXXX XXXX, about the {$1100.00} that XXXX Claim Details had already indicated were not due. The XXXX rep. phoned XXXX at XXXX and advised him that I am not " responsible for the {$1100.00} that they are billing [ me ] for. Per XXXX request, '' said the rep., " I have e-mailed a copy of the explanation of benefits ( EOB ) for this claim to the address that he gave me. The EOB will show them that you are not responsible for this claim. Once they receive the e-mail it will be forwarded to their accounting department so that they can review and update file. '' Now I was really worried, for, as noted, I have had to get CFPB to investigate XXXX in the past to remove a similarly undue debt that the company had reported to the credit bureau. Now I suspected a whole lot more trouble XXXX. Again, I was not mistaken. XXXX continued to bill me {$1100.00}. So yet a third time, I chatted with an XXXX rep. ( XXXX again ) online XX/XX/XXXX. The XXXX rep. phoned XXXX at XXXX ; XXXX stated that " she sees a coding error on [ my ] claim. She sees the notes from XXXX call back XX/XX/XXXX. She apologized XXXX did not catch this at that time. She is sending your file to the reviewer to get corrected and re-filed to XXXX. She has taken your claim out of pre-collection status. '' Of course, I continued to worry. Every time an XXXX rep. contacted an XXXX rep. the XXXX rep. had a different story. I suspected a stall tactic. I also suspected that XXXX story would change. Again, of course, I was correct. The statements asking for payment of {$1700.00} continued to arrive in the mail. On XX/XX/XXXX I contacted an XXXX rep. XXXX XXXX XXXX for what I decided would be my final time. One : I had XXXX coverage with XXXX that would expire the next day ( XX/XX/XXXX ) ; and, Two : I had promised myself that I would contact CFPB if XXXX persisted, something I should have done from the beginning. The XXXX rep. phoned XXXX at XXXX, who stated that XXXX feels " the denial of the {$1700.00} charges XXXX was not correct and they state they have appealed with XXXX on! XXXX. '' The XXXX rep. said " the account is currently in a 'hold ' status until they receive a response to their appeal from XXXX XXXX '' To determine if XXXX was telling the truth, the XXXX rep. checked the appeal records. '' However, the rep. " did not find an appeal in the appeals system. '' The rep. concluded : " I am not so sure they have submitted the appeal, XXXX did n't sound so confident. She added that she needed to 'reach out ' to another department to find out the status of their request. '' The XXXX rep. finally concluded : " '' I regret to inform this seems like it will be an ongoing issue until they can get their billing in order. '' Once again, I knew XXXX would persist. Once again, I was correct : I received a collection notice from United Consumers , Inc. ( UCI ), dated XX/XX/XXXX ( copy attached ), for the {$1100.00}. This is the last straw.
02/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20747	Web
XXXX XXXX XXXX XXXX contacted United Consumers to open a collection and put a deragorty mark on my credit, from a hospital bill that occurred in early XXXX, when I was still just a minor. They opened the collection in XXXX, around the time Id gotten my first credit card. I wrote the company several times in XXXX using the contact us option on their website. I finally contacted them again yesterday and asked why I was receiving this bill when at the time, I was a minor with insurance under both of my parents. They told me they billed one of the insurances, and the debt left over was my responsibility. They said Any balance of the bill that was not paid by insurance will be billed to the guarantor or patient .... I wrote back and told them : This should not have been billed to me, and I am not responsible for paying this bill. According to Maryland Code, Commercial Law 1-103, the age of majority is 18 years old in Maryland and anyone under 18 can not be legally bound to a contract unless they are legally emancipated, which I can assure you I was not. This means I lacked the capacity and legal ability to enter any contract. ( please refer to section C, parts 1 ) ( a ) The Maryland Uniform Commercial Code shall be liberally construed and applied to promote its underlying purposes and policies. ( b ) The underlying purposes and policies of the Maryland Uniform Commercial Code are : ( 1 ) To simplify, clarify, and modernize the law governing commercial transactions ; ( 2 ) To permit the continued expansion of commercial practices through custom, usage, and agreement of the parties ; and ( 3 ) To make uniform the law among the various jurisdictions. ( c ) Unless displaced by the particular provisions of the Maryland Uniform Commercial Code, the principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, or other validating or invalidating cause shall supplement its provisions, except that : ( 1 ) The age of majority as it pertains to the capacity to contract is 18 years of age ; and ( 2 ) No person who is at least 18 years old shall be considered to be without capacity by reason of age. I also want proof of this debt, showing the contract where I supposedly signed my name and consented for my own treatment, within 30 days. To attempt to collect the debt on which the creditor can not show a contract or an underlying basis would violate the Fair Debt Collection Practices Act. According the FDCPA under Unfair Practices [ 15 USC 1692f ] : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I was unconscious when I was brought to the hospital by my best friend, and my father was called specifically because I was underage so that they could get consent for treatment by a parent. This debt needs to be taken off of my credit immediately or I will take this to the FDCPA and we can ultimately take this to court.
11/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20009	Web
I was contacted by XXXX XXXX at United Consumers Incorporated ( ucicollects.com ) in XXXX 2015 about a purported debt of {$130.00} that I had with a medical provider. As I explained to XXXX, that matter was bogus as the provider had erred on a previous procedure and asked me back for a redo, explicitly stating that there would be no charge for that redo. After speaking with XXXX, within days, I finally succeeded in getting that bogus charge removed. I e-mailed the company with my account reference number at XXXXXXXXXXXX about this being resolved, and never heard back from UCI ... for a while. Incidentally, in XXXX 2015 I received an invoice from that provider showing that I owed nothing. On XXXX XXXX, 2015, I received another phone call from XXXX about this purported debt, and he indicated no awareness that we had discussed this a few months earlier. ( At that time, I was n't sure if he was the person whom I 'd spoken to in XXXX. He said nothing when I told him that I 'd spoken with someone and did n't know if it was him or not. ) He asked me if I wanted to pay it through him right then and there -- trying to receive money from me over the phone which I did not owe. He gave me the same UCI account reference number that he 'd given me in XXXX. While I do n't blame UCI for trying to collect money from me in XXXX for a debt that they were told I owed, it is inexcusable that they would call me months later to receive payment for a " debt '' that even the provider had long acknowledged I did n't owe. Moreover, doing so -- telling me that I owed money which I did not -- was IN VIOLATION of 28-3814 ( f ) ( 5 ) of XXXX Code. Apart from the annoyance of harassment, my bigger concern has been a collections agency affecting my credit rating. I e-mailed XXXX and the company about this on XXXX XXXX, 2015, including a scan of the provider 's original assertion that I would not be charged for that procedure and also a scan of the XXXX invoice showing that that provider was requesting not one penny from me ( he had cited the same figure of {$130.00} that he had cited in XXXX, so it obviously was now resolved though he incompetently did n't confirm this before harassing me over the phone while I was at work ). On XXXX XXXX, I e-mailed the company at the XXXXXXXXXXXX address with my account reference number. I also called their phone number and left a message to alert them to all of this. I followed-up with another e-mail on XXXX XXXX, noting that I had already begun investigating legal action and became aware of that section of the XXXX code that they had unquestionably violated in harassing me by asserting that I owed money which I did not owe. On XXXX XXXX, I still had not heard from them with any assurance that they wold back off and that my credit rating would not be affected by any of this. Today is XXXX XXXX and I still have heard nothing. It has been three weeks since I last received communication from the company, when they insisted that I owed money and tried to have me pay it to them when I in fact owed nothing to that provider and had n't for months.
11/23/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 19053	Web
On XXXX/XXXX/XXXX a claim through XXXX in the amount of {$1100.00} from provider " XXXX XXXX XXXX XXXX '' was processed with {$770.00} applied by XXXX, it was then reprocessed that same day as {$580.00} applied instead, the difference being an over payment in the amount of {$180.00}. The above " XXXX XXXX XXXX XXXX '' is an in-network provider. This overpayment amount {$180.00} is to be paid by the provider and neither by XXXX or myself. " XXXX XXXX XXXX XXXX '' should therefore pay this without ever billing anyone. For reference purposes to distinguish this from proper balance-billing, a different situation which is common, arises for when an out-of-network doctor appears for example unexpectedly in an ER or XXXX setting ( e.g. XXXX ) but the provider overall is in-network, where balance-billing is invoked. Customer/patient pays provider, XXXX reimburses provider and we are done. I have experienced this before and it works pretty smoothly. NOTE balance-billing is a proper example. The addressed situation in question is NOT applicable to balance billing and is the improper use of billing an overpayment to customers. The reason for this request of investigation into intentional fraud and extortion, is that 16 months later from the date of XXXX/XXXX/XXXX " XXXX XXXX XXXX XXXX '' has fraudulently applied the over payment amount of {$180.00} to be paid by me. There was never any correspondence sent to XXXX or myself at all within this time. Instead a collection agency ( United Consumers , Inc ) was improperly contracted by " XXXX XXXX XXXX '' to handle this. The use of a collection agency without notifying XXXX or myself prior is an act of a ) fraudulently passing an overpayment as a balance owed by a patient and b ) extorting patients for the overpayment amount since their credit score will be effected quickly. Based on other reports against " XXXX XXXX XXXX XXXX '', I believe that these overpayments are intentionally fraudulently applied as balances, especially the smaller amounts being sent to collection so that patients pay providers without questioning the activity. Since the data presented by the collection company corresponds to tangible sums of money and dates of service by the XXXX XXXX XXXX XXXX '' and documented by XXXX, a patient will be smoothly strong armed or squeezed into paying the amount before it goes to credit bureaus without raising an eyebrow. Naturally the collection companies remain neutral while XXXX is virtually unaware of the situation ( until contacted of course ). As of XXXX/XXXX/XXXX this current situation is in the process of being resolved ( hopefully ) via XXXX 's taskforce against " XXXX XXXX XXXX '' and " United Consumers, Inc ''. The collection company " United Consumers , Inc '' has provided only a timeline hold until XXXX XXXX XXXX. The provider " XXXX XXXX XXXX XXXX '' must be the XXXX to make the correction. They have intentionally placed a fraudulent overpayment as a balance to be collected, and I truly believe that they will not correct this issue unless there is oversight from CFPB or law enforcement.
07/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 22192	Web
I did not receive notice in the mail of my right to dispute this debt AND I did not receive any notice in the mail of an attempt by this company to collect a debt. The debt collection agency had an apartment number XXXX XXXX XXXX XXXX in my address thus making the address invalid/inaccurate. They claim to have sent me a letter but will not provide me any proof of a letter showing notice of collection of debt. I have called this agency on numerous occasions to try to get proof that they sent me a letter in the mail to no avail. Each time I speak with this office they are extremely rude, will not allow me to voice my concern and continuously speak over me and rush me off the phone. Today, XXXX XXXX XXXX I called this office and was told by a woman " I do not have time to dispute this debt with you, I have people in the office ''. I feel that I am being discriminated against and that this company is using unfair business tactics to damage my credit for no apparent reason. It is to be known that when I reviewed my credit report in XXXX XXXX and found this collection account listed unknowingly, I immediately called this business to find out what the account was in reference to and satisfied the account with full payment immediately. I then voiced my concern that I never received any type of letter about this debt or any other communication from this collection agency and then asked what address they had on file. I was told the address they had was XXXX XXXX XXXX Unit XXXX, I then told the person I was speaking with that address was inaccurate as there is no " Unit XXXX '' and then voiced my concern to that being the reason that I did not receive the letter.I live in a town house with no " Unit '' association but there are also apartments in my community so I am sure if the letter was delivered it was delivered to someone else. Nobody at this establishment will use ethical practices to realize they had the wrong address entered into the system and that I, the customer, is telling the truth that I never received notification. Once I told them of my address, they claimed to update their system and delete the " UNIT XXXX '' association off of my profile at the time when I paid the account in full. I have disputed this illegal, inaccurate, unethical and wrong information with all three credit bureaus to no avail. Each time I submit a dispute, XXXX XXXX XXXX, decides to reject my dispute of this account without researching their systems completely. If XXXX XXXX, can not review my phone call with them in XXXX XXXX to realize that they had my address wrong then they are discriminating against me and being extremely unethical. I have never had a collection account on my credit report and this is damaging to my life, my career & my well being and extremely upsetting that I could possibly have a derogatory account on my credit report for the next 7 years due to INACCURATE INFORMATION. Please help me.
02/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22204	Web
The situation is as follows : In XXXX 2015 I started a summer internship in XXXX. I looked for a gym in the vicinity of my organization and since XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX ; Phone : ( XXXX ) XXXX ) ( Club ) were in the same building, I want to see if they have any good deals. They informed me that they have a special offer, which entails to try this gym for free for a month. Then if I chose to I can renew the membership, or terminate it any time. I knew that my internship is temporary, and I wo n't be in this location more than a month ( and I live in XXXX ), so I specifically asked several times if I would be able to terminate this any time, and the person, Per XXXX, who was signing me up clearly said that this is a month to month deal and I can get out any time. I was asked to do an electronic signature. I asked if there is a contract and they guy from the gym said that there is no contract. Per XXXX said that the signature is just so that I can get my pass to try the gym. He asked me to enter credit card info as a standard practice ( also as a requirement to do this free month ). I never signed any contracts and was never shown one. All I did in XXXX 2015 was my electronic signature on a machine to state that I agreed to one month free membership to try this facility. You can check their documentation - you will not see my signature in ink, because I never intended to be in this location for more they a month or XXXX. After a week my internship moved to another location in XXXX and later to XXXX, so I never tried this gym. I did not attend it even once. XX/XX/2015 I contacted the gym, explaining that since the trial period was over and I was not interested in continuing and if there was any paperwork I needed to do to properly exit the Club. It is only then I found out that they signed me up for a year membership. I attempted to explain the situation to them, saying that I only signed up for the trial because they told me that there are no obligations and my member ship can be terminated any time, but they told me about the contract that I never signed, which they consider to be signed by me because apparently my electronic signature was transferred there. In short, the only reason why I ended up in this situation is because the representative, Per XXXX, who welcomed me to the gym told me false information and used my signature on a document I never signed. Now they put me or collection through the collection company XXXX XXXX , XXXX. Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX On behalf of XXXX. , United Consumers , Inc. requested I to pay them {$1200.00} as annual membership fee even though I never used this XXXX. Thanks, XXXX XXXX
06/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20120	Web
To Whom It May Concern : I am writing to dispute a new derogatory remark that appeared on my credit report on XX/XX/XXXX. This collection stems from an incorrect billing code that neither the doctor 's office nor the insurance company was able to fix after both parties acknowledged that it is a billing error and I should not be responsible for the payment. Please see a brief timeline of events below : XX/XX/XXXX - a medical procedure was performed which I was told would cost me a total amount of {$80.00} that I paid prior to the procedure by the doctors office. ( See attached document titled " chase '' ) XX/XX/XXXX-XX/XX/XXXX - I spoke with both doctor 's office and the insurance company on three separate occasions describing my issue and both parties agreed that its simply a billing error and I should not be responsible for the additional charges. Additionally, the insurance company took initiative and stated on each of the three phone calls that this issue would be resolved in 30 days. XX/XX/XXXX - I received a collection notice from United Consumers stating that I have an outstanding collection amount of {$250.00}. Further, the letter states that if I dispute the validity of this bill, I should notify the office in writing within 30 days from receiving this notice and the collection agency would obtain verification of this debt. ( See attached document titled " United letter '' ) XX/XX/XXXX - I sent a detailed letter to both the collection agency and the insurance company disputing the validity of the bill and highlighting why I should not be responsible for this bill and requesting that both parties take action to help resolve this issue. ( See attached documents titled " Insurance '' and " United '' ) XX/XX/XXXX - I received a notification from several credit monitoring services stating that I have a derogatory remark on my credit report. I was completely surprised by this due to the fact that United Consumers never followed up with me or provided me with a debt verification notice. I was under the impression that this issue was resolved since I didnt hear anything since I sent the letter on XX/XX/XXXX. I am requesting that you please help me resolve this issue as soon as possible so that this miscoded bill is taken off of all of my accounts and the derogatory remark is removed from my credit report. Please let me know if you have any further questions or concerns.
11/13/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	VA 237XX	Web
I received a letter on XX/XX/2018 from United Consumers , Inc. stating that I had been reported to them from XXXX XXXX XXXX XXXX ( actually XXXX XXXX XXXX, though that was not referenced in their letter ) for an amount of {$54.00} ( actual amount on every bill I knew about was {$55.00} ). The letter said that if I wished to dispute the collection, I needed to submit a written notice within 30 days. I sent a letter on XX/XX/2018 ( that is well-within 30 days ) with my written dispute, providing documentation as to why I was not responsible for the amount. I had reached my maximum out of pocket as of XX/XX/2018, which I had told XXXX XXXX XXXX on two occasions over the phone, as well as providing them with the letter on two occasions. I provided that letter, as well as my Explanation of Benefits from my insurance company where they clearly denied the claim and stated the provider ( XXXX XXXX XXXX ) was responsible for the charge. I sent it to the only address provided by United Consumers , Inc. on their letter. On XX/XX/2018, there was a voicemail left on my phone - no phone call, just a voicemail that bypassed any phone call - stating I needed to call XXXX about a debt. It did not say who I needed to speak to, did not reference an account number, did not reference an amount, did not provide any other information whatsoever. When I called, the person spoke too fast for me to understand his name ( he was male ), and he told me I had an outstanding bill that was due and needed to pay it. I told him I had sent my disputation letter within my 30 days, and he told me they never received it. He then proceeded to tell me the U.S Post Office is unreliable, and so I shouldn't have trusted it would have reached them. He said he would give me a fax number to fax my documents, but I was upset and demanded to know why they offered the letter as an option if they felt there was no point sending it. He refused to answer. I then demanded to know why a fax number wasn't provided from the beginning if the Post Office was deemed so unreliable, especially when they were making a requirement of a WRITTEN disputation. He refused to answer and continued to refuse to answer, before finally stating he was not going to deal with me and hanging up. I was never given the fax number, and it is most certainly not available on the paperwork provided.
04/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22193	Web	Servicemember
Recently I received a notice from XXXX XXXX that a new item had appeared on my credit report. When I checked, it listed an account wi th United Consumers ( acc t. # XXXX ). I contacted United Consumers and spoke to XXXX XXXX who told me it was a charge of {$180.00} due to XXXX XXXX XXXX . She said that it was for natural gas charges owed on a previous address. I told her that I had my gas with XXXX XXXX XXXX and that when I moved, all charges were paid and my deposit was returned because all charges were paid. She explained to me that XXXX XXXX XXXX provides natural gas to XXXX XXXX XXXX , and that even though they were always charged on one bill, upo n termination the bills were separated. I never received a bill from XXXX XXXX XXXX , or I would have taken care of it at the time. I asked XXXX XXXX why I had not been contacted and she said they had sent a letter to my old address and had " assumed '' that it had been forwarded. I told her that I was willing to pay, even though there was no proof offered that I owed the debt, as long as it could be pulled from my credit report. She said that they are not able to pull information from my credit report that XXXX XXXX XXXX are the only ones that can do that. I then contacted XXXX XXXX XXXX XXXX to discuss this ( original acct # XXXX ). I spoke with XXXX and explained the whole situation. She seemed sympathetic but said that this would have to be handled by the " back office ''. I asked her if there was anyone I could talk to and she told me that I could only send my complaint to the back office via XXXX XXXX XXXX . I sent them an email with my concerns and request on XXXX / XXXX / XXXX . I have yet to be contacted by anyone regarding my request. I have since looked to find any office information where I can handle this in person, but XXXX XXXX XXXX has no public offices listed. It is very difficult to take care of an issue when the only possible way of dealing with it is to contact ( via faceless email ) some so-called back office. I am not trying to get out of paying a legitimate debt, but I was not properly notified and given an opportunity to take action. I am willing to pay what I owe, but due to the circumstances believe that it should be pulled from my credit report.
06/14/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 23608	Web
This company has been harassing me for almost a year now. My phone does not ring but instead goes straight to voicemail where they constantly leave robo messages. At first, I tried adding their number to my cellular phone 's " Block '' list but that didn't help. Out of complete frustration, I did some research on how to stop these calls. I found out about the National Do Not Call Registry and took the proper steps to register my phone number on XX/XX/XXXX. I am aware that it can take up to 31 days for the calls to stop but they were relentless. I then filed a complaint with the National Do Not Call Registry ( not sure of the date ). On XX/XX/XXXX, I filed a complaint with the FCC about the same company which is United Consumers. I was still being flooded with calls. On XX/XX/XXXX, I filed another complaint with the FCC. Since doing so, the calls continue. I have tried calling the number back to speak to someone and it's a robo message and only a message can be left. On XX/XX/XXXX, I left a message including my phone number and asked that they stop harassing me and stated to them that I am on the National Do Not Call Registry and that I also filed complaints with the FCC. I also told them that if they insist on continuing to call that I would take more drastic measures if the calls do not stop. Low and behold, the calls ( voicemails ) continue. I have no idea what this matter concerns because I can never get a live person. On the robo voicemail, it leaves another number to call to resolve the issue and I have tried calling that number, only to get the exact same robo message and no live person. Now, they have resulted to, not only calling from their " standard '' number, but have now started calling from another number as well from the exact same company. I am hoping that you can be of assistance and if not, I am only left with filing a class action suit. The calls that I began documenting are as follows : ( all in the year of XX/XX/XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, the calls began well before that time. Thank you for your time.
11/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33067	Web
I attempted to contact the company on XX/XX/2020 about the account in collections and they did not have anyone available that day to take my call This company is attempting to collect a debt for a medical expense that was paid by the insurance all-ready The only thing I was required to pay was a copay which I paid for in office.This company is attempting to collect {$220.00} for a service that was allready paid for by insurance over a year ago I disputed this on my XXXX XXXX and it was removed this company failed to remove it from the XXXX XXXX credit report.What this company is doing is fraud and if this debt is not removed I will take legal action for all the pain and suffering this company has cause me it has caused me to become extremely anxious and stressed and I can not sleep at night due to this companys actions this company is breaking the law. This is an invalid debt they have put in collections on my credit report I have reported this to the XXXX XXXX and disputed with the XXXX XXXX and it was removed they have yet to update XXXX and have not removed the invalid account off my XXXX which is illegal in Florida.remove the account off of my XXXX credit or I promise I will Pursue legal action against this company please advise them of this.This was a for a doctor I saw but my insurance covered it and I had valid insurance at the time this was over a year ago I saw this doctor my medical insurance covered the cost of this and I paid my copay.They have allready removed it from the XXXX XXXX which is an admit that this is invalid and proves that this company attempted to charge me for something that was allready paid for which is fraud.Please remove or I will sue! I have allready contacted XXXX and submitted dispute aswell. The company has admited that this was a mistake as they have removed the collection account off of my XXXX XXXX yet the have failed to follow laws and remove it off of XXXX Also they have yet no notify me verbally or write to me to inform me of this debt
07/03/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 76244	Web
I have tried numerous times since XX/XX/2019 to make payment arrangements with this company. each time, the representatives are extremely rude, raising their voices and hanging up on me. I offer to make payments and they refuse to accept the amount that I am trying to give, even though I tell them that what they are asking for will put me in a tight spot. I find this to be very abusive and degrading. The first time I called, I asked if I can make payments online. I was told that they do not have a way for me to make payments online. and, even if there was, they will not honor any payments that I make because I am not " approved '' to make payments. The second time I called, I was over-talked, yelled at, laughed at and was told that there are no supervisors in the company. Then when I demanded that there has to be someone overseeing the office, I was just transferred to a different rep who laughed at me and told me to call back in the morning if I want to speak to someone else. The last person I spoke to on XX/XX/2019, who said she was a " supervisor '', implied to that I do not keep my word and that I do not pay my bills. She lectured me telling me that I am in this situation because I can not be trusted to keep my word. Then she tells me that, even though I made several attempts to make payments, it is my fault that no payments have been made and that her Company requested a lien on me because of it. She over talked me and raised her voice and then, because I told her she was making assumptions about my situation, she yelled to me that when I am " ready '' to pay {$800.00} a month, to call back. Then she hung up on me!!!!
08/18/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28105	Web
i received a call on XX/XX/2019 around XXXX, and missed the call. I returned the call and questioned the call. the representative asked for my phone number to pull my file, and said she was calling for united consumers inc, I paused and she pressed that she was calling for a "medical file" reason. I questioned if she was calling from my hospital, and she pressed me for my date of birth to verify my information. I did not feel comfortable with this but she asked for my information again. Before she was able to get my additional information she never indicated she was a debt collector, or collecting information to pursue an alleged debt. After verifying my date of birth. She continued the conversation revealing she was calling to collect a debt alleged to be against me. I find that the way she started the call was deceptive and she should of revealed that she was attempting to collect on the onset of the call. I told her that I would like verification of the debt, and she argued that it was already sent, also she asked if I would be paying the alleged debt and i indicated i did not want to answer, so she said she would place in the file that I refused to pay which is incorrect. she asked for my confirmation of my employer for what I believe was an attempt to infer that she would let my employer know i have an alleged debt against me.in the end of it all i am disturbed at the way this was handled, she misrepresented herself at the onset of the call, asked for information before indicating it would be used in an attempt to collect an alleged debt, and spoke to me in an abusive manner.
06/19/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 232XX	Web
I received a bill for medical services by XXXX XXXX rendered on XX/XX/XXXX a couple of months ago. I spoke with XXXX XXXX several times to have the remaining balance after insurance paid using my HSA card. On the third attempt with XXXX XXXX they were able to process a payment using my HSA card. I received the most recent bill dated XX/XX/XXXX which doesn't show the HSA card payment, but shows a balance of {$110.00}. It also says " Please contact our office within 10 business days to avoid possible collection action/and or ... '' 10 business days from XX/XX/XXXX would be XX/XX/XXXX. This bill was received on XX/XX/XXXX. Last week I sent in using the remittance stub and enclosed envelope a payment of {$50.00} which as of today has not been debited from my bank account. I intend to pay the {$66.00} remaining balance when I am paid again on XX/XX/XXXX. Yesterday, I received a collection notice from United Consumers , Inc. dated XX/XX/XXXX which is less than the 10 business days the XXXX XXXX statement mentions possible collection action. Further it shows a balance of {$110.00} and {$12.00} dated XX/XX/XXXX from XXXX XXXX. These amounts do not align with the statement from XXXX XXXX XXXX dated just 7 days prior. Lastly, in the United Consumers , Inc. letter it shows two charges from XXXX XXXX dated XX/XX/XXXX for {$2.00} and {$37.00} ( 48 days ago ) which I have not even received a bill by XXXX XXXX XXXX. XXXX College of Virginia ( XXXX ) is a division of XXXX XXXX University and was changed to XXXX XXXX several years ago to reflect it is one institution.
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22306	Web	Older American
I incurred medical costs out of pocket of {$1300.00} to XXXX hospital XXXX of XXXX VA for XXXX XX/XX/XXXX. I paid without missing about {$100.00} per month and the balance was down to {$260.00} by XX/XX/XXXX when monthly billing by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. suddenly stopped coming. I had to fight to get subsequent monthly billings with the return envelop since XX/XX/XXXX. Now the bill is down to {$65.00} and XXXX has forwarded this debt to United Consumers , Inc. ( UCI ). I explained to a rep at UCI identifying himself as " XXXX '' that I simply need a final billing statement with the {$65.00} outstanding balance and I can send them the money and close this debt but UCI over the past 2 months have been promising to send this but have not. I suspect that they 're trying to obtain attorney and collection penalties from me some time soon when I have not been negligent and have been trying to close this debt if only they will stop playing games and send me the final bill and return envelop immediately. This is all I ask so that they ca n't scam me with anything down the line in terms of late penalties, interest, or attorney fees on this {$65.00} debt. There 's also been some misrepresentations on the origins of this bill and the amount which I wo n't bother going into. But I will say that there 's been some finger pointing and blaming at each other when I 've contacted XXXX hospital, the initial claimant, XXXX and UCI. The account number in question is for Acct. # XXXX for XXXX and XXXX and # XXXX for UCI. Thanks
01/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22407	Web
I am writing to dispute a bill that I received from United Consumers Inc. on behalf of XXXX in the amount of {$990.00}. After I terminated services with XXXX, I never received a final bill ; they simply sent this account straight to collections! There is no way that I 'm going to pay for services that were not provided to my children as I had to pull both of them out less than a month into the XX/XX/XXXX-XX/XX/XXXX school year due to negligence on behalf of the staff at XXXX. Their father and I had to pay more than {$400.00} to get them enrolled at another center on very short notice. My XXXX XXXX XXXX was being bullied by an older boy at XXXX and even after complaints from my mother and myself, no one took action. After speaking with the regional mgr. at Corporate a day or two after the incident was initially reported by my child, I informed her that since the director of the XXXX XXXX did a poor investigation of the situation, my children would not be returning as I did n't feel like they were being protected there. I also explained to her that this has caused me to miss a day of work as I had to scramble to make new child care arrangements for my children. The supply fees are for the entire school year, my children were there barely 3 weeks. I will fight this balance tooth and nail because there is no way I will be paying almost {$1000.00} for less than 3 weeks of childcare that turned out to be a terrible experience for myself and my child.
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 229XX	Web
United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX credit report in XX/XX/XXXX. Upong disputing the debt, the collection was removed. Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached -- Proof of my payment in XX/XX/XXXX ) for a " Bad debt '' that I never Received a written notice in the mail or even a phone call about, EVER! This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit. Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client. They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )
05/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21093	Web	Older American, Servicemember
I was taken by ambulance to the emergency room at XXXX XXXX hospital in XX/XX/XXXX with XXXX XXXX XXXX from a XXXX to do my XXXX XXXX. I was sent directly to the XXXX XXXX. the dr. claiming this bill / never sent me a bill to my address until XX/XX/XXXX claiming it was still owed. all bills were sent to the XXXX XXXX va. billing dept. with a pre approved authorization # and all drs. agreed to be paided by the va. its not my fault XXXX. XXXX XXXX did not submit his billing in a timely matter to his agreement to be paid by the va. since I am a XXXX vet with a hardship below the poverty statis. and I made clear to all drs. who treated me that I could not pay these bills and I even asked to be transferred to the va.to see my own drs. and they told me the va. agreed I should not be moved. this is an ongoing habit at XXXX XXXX hospital of not hearing what the patience is saying to them and XXXX. XXXX XXXX put this bill against my credit report without notifing me first in fact its been on my credit report for some time now. I was also contacted by the billing dept at XXXX XXXX and they said I fell under the hardship forgivness program. if you can help me with this complaint im complaining about. XXXX XXXX XXXX phone # XXXX XXXX XXXX acct # XXXX
08/08/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 22180	Web
I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.
11/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 223XX	Web
I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.
06/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 231XX	Web
United consumers has been leaving me voicemail on my work phone stating they are a collection agency and I need to contact them. I have contacted several times and asked what this is about since I am not aware of any outstanding bills. When I get in touch with somebody, they state my phone number I am calling from, provide me my name from my phone number and then continue to ask for more personal identifying information. I am NOT going to give some company I have no idea who they are any information since they seem to know who I am when I call. They have refused to provide me any reason for calling me and leaving the threats regarding unpaid bills. At this point I am furious and need an explanation. There are way too many scams out there and I will never provide any personal identifying information to some voice on a phone, If they have my phone number and my name and I return their call, I expect a quick response as to what the issue is, not asking for more information to add to their attack. As far as I know I have ZERO outstanding debt aside from a 0 % interest loan on my XXXX. My house is even paid off.
08/14/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22207	Web
I had a XXXX appointment on XX/XX/XXXX. I was contacted by United Consumers , Inc. in XXXX via mail stating that I owed four payments of {$28.00}, {$310.00}, {$81.00}, {$42.00} respectively. I contacted the company and was told the debt was for said XXXX appointment. I then contacted the XXXX who reported that the charge had long since been paid off, first by me and the outstanding balance by the insurance company, and that the last two charges were erroneous. I reported this to the company and told them to sort it out with the healthcare provider. I received another mailing on XX/XX/XXXX for the same charges and when I called ( took 4 calls to talk to a representative ) I was told that the XXXX had said the charges are still in effect, in direct contradiction to what was told to me. In addition, none of the charges listed above are reflected by the original co-pay statement of my insurance. I believe that this company is attempting to force collections on non-valid debt despite their knowledge that the debt is void.
02/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20748	Web
XX/XX/2018 and XX/XX/18 I requested a copy of the original signed and dated contract for Each one of the debts reported on my credit reports, with my original signature validating me as the guarantor of the debts which the original creditor XXXX XXXX XXXX requires you to sign at time and date of service, showing you agree to the terms and you are the guarantor that will be liable for any debt incurred from hospital services. The debt collection company failed to provide me with the guarantor document signed and dated for the date that each debt services were provided. This document is used to make sure that the correct person is identified and charged for the services. The debt collection company only sent a computer generated ledger showing the services that were provided on each date, the cost of the services on each date and that XXXX XXXX XXXX placed this debt to my information. The debt collection agency failed to send the requested document to validate that these debts actually belong to me.
06/01/2017	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	MD 20706	Web
I disputed via online about an account fro m United Consumers th at I did not recognize XXXX XXXX , XXXX XXXX and XXXX XXXX , XXXX . They ( XXXX ) res ponded quickly saying that the account has been verified. I called and spoke w ith two rep s. When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at XXXX . He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly with United Consumers and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that XXXX remove this collection because a proper investigation was not done and this debt is not verifiable.
06/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20747	Web
I have disputed several medical debts with this company ( United Consumers Inc ) and the credit reporting agencies for reporting accounts that do not belong to me and are greatly impacting my credit report. When disputed with the credit reporting agencies this company continues to verify this debt through the stroke of a keyboard using the Credit Reporting Agency XXXX - ( XXXX XXXX XXXX XXXX XXXX ) without any substantial verification. When I dispute with the company, they send me a printout of hospital visits ( in my name ) but visits and treatments that I never took - how does this happen?!. This I'm sure is a direct HIPAA violation. I hope CFPB can help me get to the bottom of this. Otherwise, the only thing I know left to do is hire legal counsel and pursue litigation not only against United Consumers Inc but the credit reporting agencies as well for unsubstantiated reporting and sharing medical information of another individual.
09/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VA 22401	Web	Servicemember
United Consumers , Inc. at XXXX. XXXX XXXX of XXXX, VA XXXX sent me a medical bill with service dates of XX/XX/XXXX. They are acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HOSPITAL, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between each of us ; and on XX/XX/XXXX, I sent a certified STATING THAT ALL PRESUMPTIVE AND TACIT CONTRACTS WERE NULL & VOID AND I DO NOT CONSENT. They committed mail fraud attempting to collect this debt for a year in which I have not received any medical care, since it's only the year XX/XX/XXXX and not XX/XX/XXXX.
03/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20877	Web
United Consumers , Inc. ( UCI ) XXXX XXXX XXXX XXXX, VA XXXX mailed a letter regarding an alleged collection on behalf of a company I have never had any account with for any reason. After repeated attempts to call and contact through text and chat, along with numerous calls to the alleged original creditor and its partners, I concluded that UCI falsely claimed this debt is owed, while stating " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' A quick XXXX search confirmed that numerous others have suffered the anxiety and discomfort resulting from collections due to UCI 's regular business practices of ( at the very least ) misrepresentation and ( likely ) fraud. Please do something about this awful organization.
01/07/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web
I have called and written several emails Im regards to every time I have been treated at XXXX XXXX XXXX I have ALWAYS carried health insurance and provided that information they NEVER send a bill they wait until they send items to collections. Then insurance can not Be used this has been done to be as well as many members of my family and friends of mine. I do believe I should have my credit destroyed and ruined by their poor customer service and awful office billing process. I am a single mom trying to buy a house and I can not keep paying bills that my health insurance I pay would cover its robbery. Everyone who works at United consumers inc is everything but helpful and the agrees to delete the info at one point only to send me nasty letters in the mail harassing me on phone
12/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 231XX	Web	Older American, Servicemember
I have paid the debt in question and have documentation to show it is paid. Also, the collection was initiated by XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX did NOT notify me the debt was being sent to collections. Original date of billing was XXXX/XXXX/XXXX for multiple service for a XXXX XXXX. Payment of the {$400.00} was recorded by XXXX XXXX as seen on accompanying documentation. The debt collector has call our home phone identifying themselves as a debt collector but offering NO information as to who the debt was against and who it was the original collector. Today XXXX/XXXX/XXXX I received a letter of collection for the first time, I attempted to use XXXX all it was an automated system that kept repeating I owed {$400.00} would I like to pay ... ... No interactive conversation.
12/26/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 222XX	Web
After issues a dispute with the insurance company paying a hospital debt, the debt was passed to a debt collector. I contacted the debt collector to clear the amount. The deb collector told me I could either work out a payment plan or I could pay a slightly lower one-time payment to clear the debt. I went with the second option ( total debt was {$1100.00}, I paid {$970.00} ). The representative on the phone told me legally that they could not send me an email or fax detailing either payment option. Now, after more than 2 months, I have not gotten a paid in full statement ( which I requested ) and they are coming after me for the full amount. They have not returned letters to their office and refused any written correspondence.
02/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22630	Web	Older American
United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. UCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX
04/15/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 144XX	Web
United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.
07/11/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23608	Web
United Consumers, INC is a thir d party that opened on my credit on XX/XX/XXXX , for {$460.00} I never entered into a contract for services with, they have put themselves on my credit report dropping my score, I have disputed them in XX/XX/XXXX in hopes of seeing proof of any contract they hold with me entering into services for payment and they have yet to provide it. They are still on my report and it has been under dispute for 3 months with no changes. I have never entered into a contractual agreement with this company, and they will not be able to provide any agreement between them and I, so its unfair to stay on my credit report after a 3 month investigation.
07/03/2018	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	MD 20744	Web	Servicemember
I made a dispute with XXXX XXXX regarding United Consumer, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. This claim was made in XX/XX/XXXX, since this time United Consumer has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledgeXXXX from XXXX XXXX Hospital to United Consumer showing I did not owe any money to this 3rd party creditor, ( United Consumer ). This information is being inaccurately reported.
08/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DC 20020	Web	Older American
The medical debt was paid by my XXXX XXXX last year. They keep trying to get more money. Its a debt that was paid last year. I called the office on XXXX XXXX 2016 they had wrong dates for service, I called my Insurance Customer service, they called the debt collection office spoke to a preson, because they never filled a claim for service to my health insurance company. said they had never mail any claim for the service on the days they on the collection letter. She told them to submit the claim to there office. They called me today asking for my address and date of birth, my insurance company gave them my Imformation on XXXX XXXX, 2016.
08/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 20152	Web	Servicemember
United Consumers , Inc constantly attempts to collect debt from me when my insurance company ( XXXX ) already made the payment. I spoke to representative from United Consumers explained my situation and e-mailed EOB from XXXX but few months later I continue to receive letters from them. Agent from XXXX contacted United Consumers and faxed over EOB and I have asked United Consumers to setup a conference call between their client, XXXX and them but they refuse to do this. All they 're saying is they will send the EOB back to their client ( XXXX XXXX XXXX ) and go from there. I am very frustrated because this is just going in circles.
02/08/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 226XX	Web
This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.
07/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 227XX	Web
My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.
07/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20774	Web
I have asked United Consumers to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
04/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23225	Web
This collection Agency is reporting to ( XXXX ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FDCPA section 807 violation Misleading false reporting. This account is inaccurate and I am seeking litigation, please delete at once. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
03/28/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22203	Web
The company left several messages over a span of a month or two. The messages were intimidating and aggressive - the recorded voice emphasized that it was important that the listener be in a private location and only be the person intended for the message. There was no reference to a specific debt the company was trying to collect. When I called the company I told them that I was not the person they were trying to reach, they did take me off their list. But based on the nature of the message and its tone, I 'm afraid they may be intimidating others, especially elderly people.
03/30/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22304	Web
I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.
04/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20902	Web
This company, United Consumers , Inc. ( UCI ) @ XXXX XXXX XXXX XXXX, VA XXXX, Phone # XXXX, repeatedly robo/auto calls our home phone number trying to collect a debt on a XXXX XXXX. Recently, they have added XXXX XXXX (? ) XXXX to their calls. On XXXX/XXXX/15 I called the company and asked them to stop calling because there is no one in my family with any of these names. XXXX XXXX XXXX, from the company acknowledged my request and said they would remove our name from the call list. Yet, on XXXX/XXXX/15, we received another robo/auto call from UCI regarding XXXX XXXX.
12/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21237	Web
I filed a complaint against United Consumers stating that these bills from XXXX were disputable and I wanted them to send the bills back to XXXX because their were details I wanted them to explain, and I did not want United Consumers to share in my medical information. Not only did XXXX share my personal information with United Consumers, they put XXXX accounts on my credit reports. This is a violation of HIPAA. I have notified the Centers for Medicare and Medicaid Services as well as the Department of Health and Human Services that is in charge of HIPAA violations.
05/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20906	Web
I just check my credit report and found the surprise that have XXXX accounts in collection and none of them belongs to myself! ; XXXX of them it comes from the same collector : UNITED CONSUMERS and the other XXXX is from XXXX .. base on what I read on my XXXX report ( # XXXX ) they have received accounts under the name XXXX XXXX and my name is XXXX XXXX XXXX XXXX I really appreciate any help that you guys can provided me due its unbelievable that my credit is so low and damaged due a huge mistake from the creditors. Thanks in advance!
08/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80020	Web
On XX/XX/XXXX got my XXXX report stating I have an unpaid dept for {$440.00}. I contacted United Consumer XXXX. XXXX XXXX XXXX VA XXXX On XX/XX/XXXX VIA phone disputing the charge because the charge was for my adult daughter I am responsible for her debts. I also sent them a certified letter disputing the claim which they received on XX/XX/XXXX. In the letter I requested any information stating i am responsible for my daughters medical bills. As of this complaint I have not heard from United Consumer.
10/30/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 94089	Web
These scammers have been calling me for about a month leaving the same voicemail saying " this is a call from united consumers calling about a debt collector, please call us at XXXX. '' The number says it 's from XXXX, VA. These people keep calling me constantly leaving the same voicemail. they use diffrent numbers each time. I have never once answered the phone. I want this to stop immediately! This is a huge obvious scam! These are the numbers they use : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/18/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 22191	Web	Servicemember
received this united consumers inc in the mail today, never received any medical treatment at XXXX emergency physic, and dont why im being billed and or this collection company is mailing me this debt bill. I am XXXX percent totally permanent XXXX veteran that all medical bills and services at XXXX XXXX XXXX outside of VA Hospital has been approved by the VA sent to Veterans Administration. XXXX XXXX XXXX knows to send all medi cal bills to Veterans Administration. please investigate
07/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20740	Web
United consumer inc never send me a letter or never contacted me.I dont remember had contact this debt. I just found the collection in my credit score. I try to call them but they just want me to pay something that I dont know. dont understand and dont know what they are talking about. This debt is totaly strange to me. Is look like this a scam. Just send them a letter to send me collection letter with all necessary document relate to this do calm debt.. Still waiting them. to react..
07/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21218	Web
My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. )
02/15/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20774	Web
This debt should n't have been sent to a collection company in the first place because I submitted my health insurance card when I received treatment in the XXXX ( XXXX ). I have been call ingredients this XXXX billing department and talking to supervisors who all acknowledge it was their error and they 're working on taking it off collection. Yet nothing has been done. This has continued to affect my credit score resulting in high interest rates on my mortgage and car loan.
09/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20720	Web
United Consumers engages in harassing tactics to collect debt that has been paid. They have robe called my home repeatedly and when I press 2 to talk to a representative the call is dropped. XXXX I reached XXXX XXXX, who refused to contact the medical provider verify the debt, which was already paid a while ago. XXXX XXXX insisted that I had to prove to her that I paid the debt or the harassing calls would continue.
06/30/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	DC 20032	Web
I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.
09/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22079	Web	Older American
On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.
07/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20735	Web
I REQUESTED DEBT VALIDATION FROM THE COLLECTION COMPANY AND WHAT I RECEIVED WAS NOT A VALIDATION THAT I INCURRED THE DEBT. I RECEIVED TWO DIFFERENT HOSPITAL LEDGERS. ALSO THE COLLECTION COMPANY VIOLATED LAW WHEN AN ADDITIONAL CREDIT ACCOUNT WAS ADDED TO MY CREDIT REPORT AFTER I SUBMITTED REQUEST TO VALIDATE DATE. DATE VALDATION REQUEST-XX/XX/20 RESPONSE RECEIVE-XX/XX/20
01/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60045	Web
I never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.
03/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	MD 20706	Web
I'm a XXXX XXXX XXXX and became sick. I went to the hospital and check out. I gave them my Medicare card for insurance. I check my report and United Consumers appeared representing XXXX XXXX XXXX. I called them said they used the card for Medicare, That's wrong. They didn't want to hear it and reported it. This is effecting me.
01/12/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21234	Web
The XXXX insurance was supposed to be billed and they insurance never got any bill. It belongs to my children who were XXXX at the time. They are kids and its not my account. I have called them that insurance said they have to reach back out to them. Which they refused to do so. And said they going to put on my credit
08/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20111	Web	Servicemember
Debt was paid in full yet it still remains on my credit reports after we agreed to a " Pay for delete ''. I paid the full balance owed {$370.00} via personal check every week. UNITED CONSUMERS INC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX
12/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20176	Web
For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.
09/28/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	CA 91302	Web
United Consumers Inc. sent me a notice stating that I owe {$150.00} to XXXX XXXX XXXX XXXX, however they are refusing to provide me with a bill. I have asked to cease collection activity until the debt is validated and they refused, which is a violation of the Fair Credit Reporting Act.
04/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 201XX	Web	Older American
repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX.
08/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 20152	Web	Servicemember
A collection showed up on my credit report. Prior to this I received no notice of a debt owed, explanation of what it is for your the dispute process. The amount was just added to a previous bill already with the same collection company.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20745	Web
The account for satisfied and paid through the original creditor. Original creditor has updated the files, however the collections agency has not responded to Certified Letters nor have they updated the credit report.
01/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20746	Web
I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls
05/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20785	Web
Debt was the result of a visit to the XXXX and was paid by the insurance copy. However, the collection agency continue to make claims towards this debt.
04/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20707	Web
I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.
04/19/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MD 21214	Web
This company calls & hangs up. When I called to address them calling & hanging up, the representative hung up on me.
08/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 207XX	Web
United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX.
03/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22314	Web
I was injured at work. All bills were sent into Human Resource department to get bills paid.
09/03/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21012	Web
Keep calling about a person with my last name. Several times a week
03/19/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NC 279XX	Web	Older American
Keeps calling even after I told them we do not know " XXXX ''.
03/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23832	Web

03/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23225	Web

03/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33064	Web

01/20/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33021	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33309	Web

01/13/2021	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 Investigation took more than 30 days	DC 20019	Web

12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23116	Web

09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55313	Web

08/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20148	Web

07/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23234	Web

06/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Fax

06/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20748	Web

06/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28214	Fax

04/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22204	Web

03/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27320	Web

02/21/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 22031	Web

11/29/2019	No	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	MD 20746	Web

10/31/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23803	Referral

08/30/2019	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	MD 20744	Web

08/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21045	Referral

07/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20032	Postal mail

05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

04/10/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	VA 22033	Web

04/02/2019	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	MD 21234	Web

03/18/2019	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	MD 20744	Web

03/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22406	Postal mail

02/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20010	Referral

02/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 20181	Web

02/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28216	Web	Servicemember

01/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23237	Web

01/02/2019	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	VA 23223	Web

10/31/2018	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	MD 20735	Web

10/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10533	Web

09/04/2018	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	MD 20748	Web

08/23/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30350	Web

07/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22204	Phone

07/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20740	Web

07/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21204	Web

06/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20735	Web

05/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23238	Web

05/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 20147	Web

05/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20191	Web

05/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20616	Postal mail

04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20724	Web

04/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20735	Web

04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	DC 20009	Web

04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23177	Web

03/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

03/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21213	Web

02/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22309	Web

11/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33309	Web

10/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20010	Web

09/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20748	Web

09/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

09/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

09/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27707	Web

09/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22192	Web

05/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20745	Web

04/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20747	Web

03/24/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23222	Postal mail

02/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	DC 20019	Web

01/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20650	Web

12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 20748	Web

12/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94606	Web

11/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 22102	Web

11/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20877	Web

10/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21237	Web

10/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22152	Web

08/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22003	Web

05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22150	Referral

05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 20120	Referral

04/15/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 22079	Referral

03/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20852	Phone

02/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20190	Web

02/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MD 20852	Web

02/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20852	Web

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22124	Postal mail

12/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 20745	Referral	Older American

09/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19123	Web

07/22/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	DC 20015	Web

06/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22206	Referral

05/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20111	Postal mail

04/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21797	Postal mail

04/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28409	Web	Older American

03/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23227	Postal mail	Older American

03/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20640	Web

03/04/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91302	Web

01/29/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MD 20772	Web

01/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21009	Web

01/01/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 20772	Web

12/19/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20744	Web	Servicemember

12/13/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22026	Web

12/05/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22310	Web

11/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22310	Web

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 95834	Referral

10/08/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 21043	Web

09/08/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 20904	Web

08/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20744	Web

08/20/2014	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	VA 22405	Web

07/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22207	Web

07/14/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	VA 22032	Web

06/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22203	Phone	Older American

06/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22101	Web

05/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 20186	Web	Older American

03/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21128	Web

02/17/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 22042	Web

02/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22304	Web

01/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22193	Web

12/02/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 22403	Referral

10/18/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20744	Postal mail

09/10/2013	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22102	Web