USCB, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92595	Web
On XXXX XXXX XXXX, I had an XXXX XXXX performed on my XXXX XXXX at the XXXX XXXX XXXX at direction of my physician. I was not in the market to take on his medical debt, it came out of necessity and concern of my overall health and therefore I did not question the recommendation from my primary care physiciaXXXX and or shop around. What I did do, was a quick XXXX search to identify what the average cost for an XXXX XXXX XXXX XXXX in XXXX XXXX County would cost and XXXX returned XXXX XXXX XXXX average. The test was rather simple and short, it was just on my XXXX XXXX to check for a potential blockage, I got the results that there was no blockage on my way driving home from the hospital, thats how fast and simple the procedure was. In XXXX XXXX, I received 2 bills for the service, the first bill was dated XXXX XXXX XXXX in the amount of XXXX the bill has the following bill code 0921 - OTHER DIAGNOSTIC SERVICES, XXXX XXXX XXXX, this will be Exhibit 1. The second bill came in on XXXX XXXX XXXX XXXX The second bill included a XXXX dollar charge with the following bill code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This will be Exhibit 2. Candidly, I was confused because I did not believe that a simple XXXX was going to cost me over XXXX dollars. XXXX XXXX XXXX is confusing and difficult to navigate, I am not sure why I received 2 separate bills 7 days apart. I also have insurance with them so didnt think the total cost would be so high. In early XXXX XXXX XXXX our family caught XXXX. Exhibit 3 is my XXXX XXXX XXXX from XXXX dated XXXX, my wife XXXX, unfortunately was not able to work for 3 weeks as she at the time was self-employed, and we werent able to get any relief for her weekly rent. She is an XXXX and ran her own XXXX at a local XXXX XXXX at the XXXX XXXX XXXX XXXX CA. There is no paid time off for the self-employed and rent for her XXXX still came due, unfortunately there wasnt really any programs for her to seek help for since end of XXXX COVID apparently wasnt a big priority like the first or second waves, even though she was unable to have her XXXX open (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX). Given the financial hardship this encumbered on our family, we made the difficult decision to close her XXXX at the end of year on XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX I received a text message from XXXX Phone numbeXXXX XXXX see Exhibit 4 screen shot of the text message I received from XXXX regarding my bill and to please call phone number XXXX, to see if a qualify for a settlement. I Called that number the same day, see Exhibit 5 call log for my phone for calling phone number XXXX, I spoke with a young lady and asked why the bills were so high and to see if she could provide me with an itemized bill of the service. The conclusion of the call was that I needed to file something called a grievance with XXXX in order to get an itemized bill. She gave me instructions on how to move forward with that process, I told her right now is really not a good time for that. I spoke with the representative for 36 mins 45 seconds. In the meantime, I was in the process of managing my wifes business books and paying all outstanding bills we had for my wifes business, terminating the lease she had on her studio at the XXXX XXXX XXXX XXXX, as well as managing our household expenses with now only one income. I tried Calling XXXXr again a couple days later, on XXXX XXXX XXXX I was able to make contact see Exhibit 5 call log for my phone for calling phone number XXXX, I spoke to a different young lady and she assisted me, I explained the situation one more time and told her I was extremely shocked that I received a bill with a balance over XXXX USD for an XXXX XXXX she was comforting and very understanding, I asked her If I could possibly get an itemized bill and she said unfortunately I would have to move forward with the grievance process and then they could look into it and possibly then provide an itemized bill or I would need to move towards there next process and file a formal complaint. After speaking to the young lady for several minutes and explaining the financial hardship my family had experienced earlier in XXXX she went over several options with me and offered me a settlement offer of 20% off my entire bill but I had to pay the money up front which I did not have at the moment. She also offered me a 6-month payment plan of XXXX a month starting in the month of XXXX while my family got situated. Although, I still did not agree with the balance, due to the average cost of an XXXX according to XXXXXXXX being XXXX XXXX XXXX XXXX XXXX XXXX County I agreed to the payment plan with XXXX given I didnt have the time nor energy to file a grievance or complaint. The call took about 17 mins 8 secs. I made 3 payments on the payment plan see exhibit 6 XXXX payment history. I called them again at the same number on XXXX 3rd see exhibit 4 to make my payment over the phone, and reconfirm the amount of the terms of the payment plan and again voice concern of the amount of the XXXX I was still concerned about the amount I was billed but ultimately didnt want to open a grievance due to time constraints, as I alluded to previously I was assisting my wife with her resume, I was also doing side jobs on top of my regular 9-5 job to make ends meet. The rep informed me my first payment would be due on XXXX and every XXXX of the month following until the balance was paid. That call lasted 11 Mins 48 secs, I made the first payment online for XXXX XXXX XXXX the second payment was made online as well on XXXX in the amount of XXXX, the third and final payment I made was made on XXXX online in the amount of XXXX all these are available on exhibit 6 XXXX payment history. The same day I made my final payment XXXX XXXX XXXX, I called XXXX but at a different number then I had been calling before, this number was on the most recent billing statement I had received and on the other billing statements I had received prior and maybe thats the reason I was treated differently when I called, see exhibit 7. The person I spoke to on that day was a tad rude and inconsiderate. The person told me that they would not revive the prior offer that had been offered to me in XXXX because I was behind on my payment plan. The terms of the payment plan were for me to pay monthly on the XXXXof the month. I was a day late and had made the payment of XXXX that same day as my payment history will show. Furthermore, the person I spoke to said that the balance was too small and rather insignificant for a discounted settlement offer. I was appalled and told her the past couple of months have been rough for my family and we have been struggling to make ends meet due to the financial hardship we experienced due to my wifes job loss. I again asked if they would honor the 20% settlement offer off my remaining balance, I had left which was XXXX which I calculated being only a XXXX dollar discount of the balance that I owed. The representative I was speaking to said that they would not and that I need to make timely payments (again I was one day late), therefore I terminated the call a little bit upset. That call lasted 24 mins 7 secs. Meanwhile my wife was looking for a W2 job since being used to being a dual income household our expenses were taking a toll on us. I work long hours daily and average about 10-11 hours a day. We have XXXX XXXX XXXX and helping my wife work on her resume, prepare for job interviews was rather time consuming. Not to mention picking up small side jobs here and there from our neighbors like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them for a couple bucks just to ensure we made ends meet. Time passed and she was able to secure employment in the end of XXXX unfortunately the hospitality/beauty industry took a tool with COVID. To be completely candid I forgot about the XXXX balance in XXXX and XXXX but I was also upset that the last representative from XXXX I spoke to made it seem that XXXX discount was insignificant. On Monday XXXX XXXX XXXX, I received a letter from XXXX, see attached Exhibit 8 XXXX Informed Delivery XXXX. The letter Exhibit 9, is titled final notice before your bill is assigned to a collection agency indicates to call XXXX at XXXX, which is the same number I had called in XXXX see exhibit 7. The letter also included a XXXX XXXX XXXX XXXX XXXX application. The Letter also states that as of XXXXXXXX XXXX XXXX CA law requires XXXX to notify me with information before assigning my account to a collection agency. I called the number listed on the letter and made contact on XXXX see exhibit 7, I spoke to a young lady explained the situation and told her I was calling to make a payment and or arrangements on the balance due and also to apply for Financial Hardship to see if they would extend the 20% settlement that had offered me back in XXXX XXXX when I did not have the ability to pay it in a lump sum. Again the amount I was asking for in financial hardship was XXXX. The young lady I spoke to advised me that the balance had been transferred to USCB for collection purposes, I asked her how if the letter clearly states this is the final notice and to call XXXXr to make payment arrangements and or apply for hardship, which is exactly what I was doing. She said the letter although is addressed from XXXX is not actually coming from XXXX and from a 3rd party. I asked her if my account had been sold to a collection agency and asked her to provide me the date and contact information. She advised me that the account was sold to a 3rd party on XXXX which was 3 days before exhibit 9 is dated. I wrote the date on the letter along with the phone number on the last page. I spoke to the representative and spent 38 minutes plus explaining to her the situation and the financial hardship my family had gone thru in XXXX XXXX due to XXXX and being forced to close my wifes business, she was understanding but said unfortunately the debt is no longer in their system although the letter clearly states and provides instructions for applying for XXXX Financial Assistance which is what I wanted to do. She said that due to circumstances she would file a Grievance on my behalf, but she couldnt offer a settlement on the debt all she could do was take a payment and they would mail it to the 3rd party as they no longer own and or service the balance due. I asked again for the date that the balance was sold which she replied was XXXX and confirmed the number to this third party which she gave me the information to XXXX. I also made a payment with her on the remaining balance I had with XXXXr for XXXX a shown in Exhibit 5 As soon as I got off the phone with XXXX I called the 3rd party at XXXX see exhibit 10 this is a screenshot showing the call made from my phone to the number and showing the call lasted 8 mins 12 seconds, when I called they identified as USCB America. I provided them my XXXX account number and asked them for information on the balance due. The representative I spoke to located my account and gave me a balance due plus interest on the medical bill from XXXX. This did not sit well with me, and I asked her to provide the agreement where I agreed to pay interest on a medical procedure with XXXX and also told them that I wanted a validation notice in order to be able to dispute the debt and asked her to provide proof that the amount is due and owed to them, along with the amount that they paid for the balance to XXXX. On XXXX XXXX XXXX XXXX I received a letter from XXXX Grievance and Appeals section see exhibit 11 XXXX Informed Delivery XXXX and exhibit 12 XXXX Grievance Acknowledgement Letter dated XXXX Exhibit 12 basically acknowledges that the grievance was received by them and will be responded within 30 Calendar days. On XXXX XXXX XXXX XXXX I received a letter from XXXX Grievance and Appeals section see exhibit 13 XXXX Informed Delivery XXXX and exhibit 15 XXXX Grievance Acknowledgement Response Letter dated XXXX Exhibit 15 basically states that the appropriate department will review and address my concerns on the confusing statements but to date I have not received a final response from whichever department this will be from XXXX The letter does state at the end that the grievance is now closed and the next step would be for me to file a complaint or IMR see exhibit 15, however the letter states that the appropriate department will respond to me as well therefore I have not taken action and await the departments response. On XXXX XXXX XXXX XXXX I received a debt validation letter from USCB America see exhibit 14 XXXX Informed Delivery XXXX and exhibit 16 USCB America Debt Validation letter dated XXXX The letter has attached the XXXX Permanente final notice dated XXXX which was originally exhibit 9 as they are using this letter to try and meet the states requirement for free or reduced healthcare as disclosed in the XXXX website for Free or Reduced Care: If you cannot afford to pay certain hospital or medical bills, depending on your income, you may be entitled to free or reduced care. Uninsured patients or patients with high medical costs who are at or below 400 percent of the federal poverty level are eligible to apply for a hospitals charity care or discount payment policy. Charity care is available even when your bill is past due. Hospitals cannot sell your patient debt to a debt buyer unless you are ineligible for financial assistance, or you have not responded to a hospitals attempt to offer assistance for 180 days. I went ahead and responded to exhibit 16 formally via certified letter on XXXX see exhibit 17 XXXX Tracking Number XXXX and disputed the debt. In conclusion, I believe that the 3rd party USCB America is in violation of several laws, and feel that given the added emotional distress, stress, deception, time I have spent preparing this complaint about 6 hours and the inappropriate transfer I should not owe this debt anymore. The first violation would be them sending a notice with XXXX information to me in attempt to satisfy the Department of Financial Protection and Innovations requirement of Free or Reduced Healthcare. Not only did I respond to the initial letter 2 days after I received the letter Exhibit 9, when I spoke to XXXX, they told me they could no longer assist me with the balance, and I was no longer eligible for a 20% settlement and or Free or Reduced healthcare. The second violation being USCB America attempting to add interest to my balance, to date I have not received any contract, agreement or documentation that states I agreed to pay interest on the balance due, I dont even know if that would be allowed in our great state of California. The third violation, was made when I made initial contact with USCB America on XXXX my understanding per the Federal Fair Debt Collection Practices Act, USCB America had 5 days after the initial contact which to reiterate was made on XXXX to send me a debt validation letter which wasnt sent until XXXX and received by me on XXXX see exhibit 14 and 16 with a flawed final notice from XXXX and Medical Financial Assistance Program application that was not available to me as the debt was sold and transferred to USCB prior to the date the letter is dated. Not to mention that XXXX confirmed that they did not mail that letter. I am a hardworking American who have always paid my debts assuming that they are valid. I do still question the cost of the procedure and never received an itemized bill for the expensive XXXX given it was so quick and non-invasive that I had performed at the hospital. I also dont understand why XXXX would opt to sell my debt to a 3rd party at most likely a significantly discounted rate as opposed to honoring the initial 20% settlement offer that was made to me back in XXXX XXXX Why did XXXX not reach out to me prior to selling the balance at the same rate they sold to the 3rd party.
08/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95747	Web	Servicemember
In XX/XX/XXXX I went to the emergency room after XXXX XXXX XXXX while cooking. At the time I didn't have medical insurance with my employer due to the fact that I had just started a new job and our HR representative had dropped the ball on processing my medical benefits on time. I was employed in XX/XX/XXXX and still didnt have my medical benefits by XX/XX/XXXX when the accident happened. This is in despite of having followed up with my employers HR representative multiple times. It would be my luck that I would be medically uninsured at the time of my emergency visit. Of note, I was also in the process of obtaining medical benefits from the VA but the paperwork was still being processed and I didnt have a Member ID at the time. These days I have dual insurance with the VA and my employer. When I checked into XXXX XXXX XXXX in XXXX XXXX, CA the hospital took my personal information and gave me an orange piece of paper with numbers to call once I got my future bill because I was uninsured. She informed me that I would be billed of an unknown amount at a later time and that was the extent of our interaction. About 30 min later my vitals were taken and I got XXXX and went home to wait for the bill. In the meantime, once I returned home from the hospital, I connected with my employer ( that same night ) and told them about my trip to the emergency room. I also told them that I needed my paperwork processed once and for all. In response, my employer said they would work with me and get my medical benefits processed in a timely manner. However, they couldnt guarantee that the benefits would take effect in time to help pay for my pending emergency bill. This was something that I feared but still wanted to go for it anyways. Ultimately there was a period where I wasnt sure how much the hospital bill was going to be, ( because I was still waiting for it to arrive ), while also waiting on my employer to give me the notice on when my benefits would take into effect. Eventually, I got my hospital bills in the mail and shortly before/or after ( I dont know exactly when ) I had finally received my medical benefits and was able to provide the hospital with my insurance information. Upon giving the hospital my medical insurance information, I was transparent with them in explaining that I had no clue whether or not theyd take my medical insurance information or not but I wanted them to try. I was hoping that they would take something into consideration and in fact, they said they would! The very fact that the hospital said they would look into my insurance after my precarious situation was my fatal flaw. The hospital never once spoke to my insurance throughout the entire billing and late notices and even collections process. BUT more on that later on in the story Of note : I received 2 hospital bills 1. for Emergency Room and 2. for the Doctors visit. Unfortunately, I ONLY have 1 medical bill remaining from that time, because all others were lost in a recent move from the XXXX XXXX, CA to XXXX, CA. Admittedly, Im going off of my memory, but I dont have exact dates and figures aside from that one bill. Once documenting my medical insurance information, they said they would now send my bill to their insurance department and that I no longer needed to worry about the bill until they had completed their process of coordinating with my insurance. At this point, I was so thankful that they were going to reach out to my insurance and see what they could do! Now at this point in the story, I want to make clear that before getting off of the phone with XXXX billing department I asked whether I should simply pay the bill right then, while they conducted their insurance investigation. But the representative assured me that I should NOT pay my bill while theyre working the issue and to ignore delinquent notices. I was VERY hesitant to do this and called XXXX billing department multiple times to confirm this direction. Repeatedly they informed me NOT to pay the bill. As this went on for months, I saw my bills climb and climb. The bills climbed until one day I received a notice that my medical insurance had kicked in and there was a reduction in my bill. Or at least thats how it was portrayed on my medical bill. From here I was ready to pay until I had research that the VA could pay for this emergency medical expense, but I never followed through with this action. Additionally, I was confused that they bill didnt have a due date. I was also confused about the billing amount. It appeared that the hospital had let my bill climb and climb and made a deduction after all the fees were added. At the time this didnt make sense because I thought the additional fees were paused until the insurance investigation was completed? Why was my final bill higher after making the deductions from my medical insurance? Spoiler alert : It was because XXXX never attempted to run my insurance and were ( unknown to me ) treating me like a standard uninsured member, regardless of the fact that I had already given them my medical policy number. With more than enough I my plate, I put this task on the back burner and didnt address it further. In XX/XX/XXXX I was denied XXXX XXXX loan and saw that my XXXX XXXX XXXXpped from XXXX to XXXX with 3 separate collections pulls from USCB America in the amounts of ( {$340.00} ) ( {$240.00} ) and ( {$600.00} ). I was able to find out that XXXX Billing sent my debt to collections in XX/XX/XXXX and USCB reported my debt to the credit bureaus in XX/XX/XXXX for the ( {$340.00} ) and ( {$240.00} ) alleged debts and in XX/XX/XXXX for the ( {$600.00} ) alleged debt. Luckily, I still had the exact bill for the {$600.00} alleged debt that I was seeing on my XXXX credit report which was exactly {$600.00} dated on XX/XX/XXXX and I paid it on XX/XX/XXXX directly to XXXX as the original creditor. Given that I still had the {$600.00} bill I was able to pay as a guest using the account number that was given to me on the top right portion of the bill. I then asked XXXX to provide me with an itemized bill of my other outstanding debts that I had seen on my credit report but they ABSOLUTELY refused to give me this information. They informed me that their systems no longer allow them to see the bill and that they were unable to give me a breakdown of what I actually owed. They also informed me that I had to go to collections only if I wanted to see a breakdown of my bill. On XX/XX/XXXX or XXXX XXXX I was able to get a XXXX billing representative to admit to me that I still owed {$590.00} with the same account number as the {$600.00} bill. So, while I wasnt able to get an itemized bill, this representative gave me nearly the exact number that I was seeing on my credit report ( {$340.00} + {$240.00} ) = {$580.00}. In theory I couldve have just sent {$590.00} over to XXXX through guest pay again, but I wanted more information. On XX/XX/XXXX, I reached out to my medical insurance provider at the time of this emergency which was XXXX XXXX to see if I could get information on what they actually paid for. It wasnt until that then that I was informed that XXXX XXXX had actually never reached out to them at any point. They in fact never even received any sort of denial of services letter from my medical insurance provider. With this information I called XXXX back and notified them that they failed to ever follow through with checking into my insurance. At this point, the representative said that she would resend my bills to their internal insurance department to then get reviewed. A few minutes later XXXX contacted my medical insurance company to ask 1. If I was insured in XX/XX/XXXX? And 2. When was my effective date of insurance. At that point, my insurance said my effective date was XX/XX/XXXX. Armed with this new information, XXXX called me back to say that I need to work with collections and completely ignored the fact that their original bills and late fees was actually a total guess. Had I not pointed out to them that they didnt do their job right the first time, they still would have never followed up with XXXX XXXX XXXX As a side note, I was also able to get a second representative to admit to me that they indeed received my medical insurance information before my first bills were due and that the notes in the system were strange and she wasnt sure why it had gone straight to collections and not to the insurance department. After this whirlwind of a day, I used the information that the XXXX representative had given me about the {$590.00} outstanding debt and the account number to pay as a guest at XXXX XXXX on XX/XX/XXXX. This transaction was to clear the {$340.00} and {$240.00} debts that I have no clue what they are for. Sometime later that evening, before I went to bed, I looked at my XXXX credit report which still showed USCB America reporting {$340.00}, {$240.00} and {$600.00} as alleged debts. This morning around XXXX XXXX I woke up and saw that my {$600.00} debt had changed to {$67.00} with another delinquent hit for the month of XX/XX/XXXX saying that the balance was updated on XX/XX/XXXX. And the {$240.00} debt had been completely removed but the {$340.00} debt still shows up as unpaid with another delinquent hit to my credit score for the month of XX/XX/XXXX also saying that the balance was updated on XX/XX/XXXX. I'm not sure how the collections agency came to the conclusion of updating my information on XX/XX/XXXX but I do know that I was in communications with XXXX billing very heavily on XX/XX/XXXX, XXXX and XXXX XXXX. It seems very peculiar that the collections agency allegedly updated this information only 1 day before all my heavy investigative work. At this point Im not sure what USCB America is going to report next on my credit score. It seems like all just a surprise to me! And since the original creditor wont release any of my original billing information, Im essentially at the mercy of the USCB America collections agency to just keep billing me and hitting my credit score.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95670	Web
Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including Convergent Account # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions. These include : 15 U.S. Code 1681 : This section of the FCRA provides the foundational framework for consumer credit reporting and governs the actions of Consumer Reporting Agencies. It outlines the rights and responsibilities of both consumers and credit reporting agencies in the reporting and management of credit information. 15 U.S. Code 1681 section 602 A : This particular provision emphasizes and safeguards the right to privacy for consumers. It highlights the importance of ensuring that sensitive financial information is accurately reported and maintained. 15 U.S. Code 1681 section 604 A Section 2 : This section reinforces the requirement that a Consumer Reporting Agency can not furnish an account without obtaining written instructions from the consumer. It ensures that reporting is done with the clear consent and authorization of the consumer. 15 U.S. Code 1666b : This section relates to the rights of consumers in credit disputes and mandates that credit reporting agencies must conduct thorough investigations upon receiving a dispute from a consumer. 15 U.S Code 1605 : This section outlines the specific duties of furnishers of information, including creditors and financial institutions, to provide accurate and complete information to credit reporting agencies. 15 U.S. Code 6802 : This provision pertains to the protection of sensitive financial information and outlines measures that must be taken to ensure the security and confidentiality of consumer data. 15 U.S. Code 1681i : This section details the obligations of credit reporting agencies when investigating consumer disputes. It ensures that disputes are handled in a fair and accurate manner. 15 U.S. Code 1681i ( 5 ) : This subsection of the FCRA is particularly relevant to the investigation of disputes and stipulates the procedures that must be followed when reviewing the accuracy of consumer credit information. 15 USC 6802B : This section relates to data security and the protection of sensitive financial information. 15 U.S. Code 1692k : This section, while not directly related to credit reporting, is pertinent to this matter. It falls under the Fair Debt Collection Practices Act ( FDCPA ) and outlines penalties for violations of debt collection regulations. This section underscores the importance of adherence to consumer protection laws. 15 U.S. Code 1681b ( a ) ( c ) : This section outlines permissible purposes for obtaining consumer reports. It is crucial to ensuring that information is accessed and used appropriately. In light of these legal provisions, and in accordance with the FCRA and other relevant regulations, if you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. Furthermore, I must emphasize that the late payment entries on my credit report, as they are currently reported, are in violation of the FCRA, specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. The inclusion of these inaccurately reported late payments adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ) law, I am protected from having my information shared with third parties without my explicit consent. I have neither signed nor given any permission for the sharing of my personal and financial information with any third party. Moreover, I must insist that you provide a detailed breakdown of all medical charges and fees associated with the reported accounts, including any collection costs. I also request a copy of my wet signature with the provider of services, authorizing the release of my medical information to you. Additionally, I hereby request that you immediately cease any and all credit bureau reporting of the disputed information while this matter is under investigation. Furthermore, please note that I accept this letter as formal debt validation, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). Withholding any information received from any provider, including but not limited to detailed billing and authorization documents, will also be considered a violation of my rights under the FDCPA and other applicable laws. As per 15 U.S. Code 1692k, I must also request payment for each violation on my credit report. Each violation constitutes a separate instance of non-compliance, and I expect a mailed check of {$1000.00} for each violation to be issued to me. After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations and all the requested documentation. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
11/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95835	Web
I, XXXX XXXX XXXX, formerly known as XXXX XXXX ( hereinafter referred to as the " Consumer '' ), am writing this letter in accordance with 15 USC 1692g ( b ) to provide formal notice of the following matters : 1. The debt in question, in whole or in part, is currently under dispute. 2. The Consumer formally requests verification of the debt. 3. The Consumer formally requests information regarding the name and address of the original creditor. 4. The Consumer formally requests validation of the debt, including but not limited to the chain of title and a comprehensive history of changes and payments associated with said debt. Furthermore, I assert that the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, mandates the termination of all communication from USCB America pertaining to the debt you are attempting to collect. CEASE & DESIST COMMUNICATION In accordance with the FDCPA, specifically 15 U.S. Code 1692c, this letter serves as my formal declaration to terminate and cease all communication from USCB America in regards to the debt you are attempting to collect. I demand USCB America cease all communication through any and all mediums except by mail, only in regard to remedy. This Cease and Desist extends to communications with my spouse, child, siblings, parents, and any family member you attempt to reach out to via any and all mediums as well. The only exception is if and only if it is to : - Provide proof that I have any obligation to pay you the alleged debt. - Provide all un-redacted forward flow documents that legally and lawfully verify and validate the alleged debt. - Notify me that you have removed all references to the alleged debt from all credit reporting agencies. - Inform me that USCB America is issuing the financial remedy for violating my rights, that is yet to be determined. Additionally, any third party that USCB America uses to coerce the collection of this debt shall also be in violation of federal law. DEBT VALIDATION REQUEST Please be advised this is not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the FDCPA, I have the right to request validation of the debt you say I owe you. I am specifically requesting proof that I am indeed the party USCB America is asking to pay this debt and that there is a contractual obligation binding me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Currently, your offices are collecting on my credit report ; however, allow this correspondence to serve as a warning. If USCB America reports invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate to bring legal action against USCB America for the following : Violation of the FDCPA, HIPAA, and Defamation of Character. Under the law, non-compliance with this request could put USCB America in serious legal trouble with the FTC and other state or federal agencies. If USCB Americas offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information, and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for a lawsuit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Please send in writing the following information as validation of the alleged debt : - Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. - Any insurance claims that have been made by any creditor regarding this account. - Any judgments obtained by any creditor regarding this account that show the alleged debt is valid. - Name and address of the alleged creditor. - Name on file of the alleged debtor. - Alleged account number. - Address on file for the alleged debtor. - Amount of alleged debt. - Date the alleged debt became payable. - Date of original charge off or delinquency. - Verification that this debt was assigned or sold to the collector. - Complete accounting of the alleged debt ( please do not send a general statement ) i.e. accounting ledgers, record keeping books, transmittals showing that this alleged debt belongs to the consumer. - Commission for debt collector if collection efforts are successful. - Certified Documentation showing the Company is licensed and bonded to do business in the state of California. Please provide the name and address of the bonding agent for USCB America in case legal action becomes necessary. This claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing and consideration. Thank you.
02/10/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95603	Web
RE : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Recipient or Account Manager, be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of debt is requested under the Fair Debt collection Practices Act ( FDCPA ). I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these accounts and there is some contractual obligation that is binding on me to pay this debt. **********Understand this is not a request for verification or proof of my mailing address*********, but a request for validation of debt I owe your client made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for a violation of the Fair Debt Collection Practices Act and Defamation of Character. If you are able to provide the proper documentation as requested in the below declaration, I will require thirty days to investigate this information. During such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within thirty days from the date of receipt, all references to these accounts must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. Moreover, it would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Seeing that accounts # XXXX and # XXXX are for the same date and it just so happens to be an office visit to which I paid a copay. Moreover, there are no test results in my online medical history that match your date of service too. My guess, these charges are for a different patient with a similar name. That being said, I strongly suggest you cease & desist, remove all collection reporting 's from each credit bureau and immediately consult with your client. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client, XXXX XXXX, that grants you, USCB America, the authority to collect on these alleged debts Agreement or Contract that bears the signature of the Debtor wherein agreed to pay the Creditor Any insurance claims been made by Creditor regarding these accounts Name, address and point of contact of Creditor, XXXX XXXX Amount of each alleged debt without interest and fees added by collection agency, USCB America Date each alleged debt became payable since nothing was collected at the time of service : Original first delinquent date on all accounts Copy of section of such contract that transfers Debtor 's obligation to USCB America Complete accounting of alleged debts Commission for debt collector if collection efforts are successful Proof the Statute of Limitations have not expired on each account Proof that USCB America can report alleged debt to credit bureaus without any equitable interest in such accounts Proof that USCB America did not violate my rights according to title 1.81.5. California Consumer Privacy Act of 2018 Proof XXXX XXXX can transfer third party debts to another third party for collection Proof XXXX XXXX can transfer or assign debt to a third party whom has no equitable interest in such debt Proof XXXX XXXX can transfer or assign accounts to a third party with Debtor 's private information without a Debtor 's signed Business Affiliation Disclosure Proof XXXX XXXX can transfer or assign accounts to a third party whom was not disclosed in the original contract between Creditor & Debtor *Please provide the name and address of the bonding agent for USCB, America in case legal action becomes necessary. Your claim can not and will not be considered if any portion of the above is not provided or completed with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act Respectfully, XXXX XXXX XXXX
08/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92395	Web
I have attempted to contact this company-XXXX XXXX 4 times since XX/XX/XXXX to get this problem rectified. So far I have not received any information regarding my requests. I called once on XX/XX/XXXX and gave a lady my name and that I was interested in getting a debt settled. I was told I would receive a callback the following Monday. I never received a callback. I called a second time on XX/XX/2018. I was told by a gentleman that according to his records I owed XXXX {$6700.00}. I'm not sure where this amount comes from because the XXXX credit report shows I only owe {$2900.00}. He explained that XXXX wanted to make deals with its debtors and that I could settle everything for a one time charge of approximately {$1200.00}. He said he could take my payment now. I told him I never received the bills, and before I were to make a payment, I would like to receive the terms of the settlement via e-mail or mail. I also explained to him I would like to receive information on the original bills/invoices including what I was being charged for. He verified my address, stated that this offer was good through a certain date, and that I would be receiving a packet in the mail in the next 5 days or so. Once I received the packet, to go ahead and call in to XXXX XXXX and they will take my payment. I waited about a week and a few days but still never received a packet in the mail. Frustrated, I called USCB back on XX/XX/2018 and spoke to a woman. She told me her maiden name was the same as my last name, " XXXX ''. She went through the same info the previous gentleman did, and asked if I wanted to settle this with a payment today. I explained the same situation as I had previously and told the lady I wanted to take care of this account for the settled amount, but need some sort of verification of the debt and copy of the terms first before I make a payment. She said that she is not sure why I didn't receive the first packet and that she sees the info in " her system ''. She said she was going to update the information. She was also going to update the validity dates of the offer and stated the settled amount of {$1200.00} was still available. We verified my address again and that a new packet was going to be going out in the mail on Monday. Oddly, a few days later I received a letter from XXXX XXXX ( dated XX/XX/2018 ) stating that the three accounts that were in question ( I didn't even know there were three accounts in question ) were " settled in full '' and that the letter I received " released you from any further obligation with regard to the referenced amount. '' I didn't pay a dime to the company and they were settling my debt? What about my credit and the credit reporting? Again, I didn't receive a packet in the mail detailing the validity of the debt, an offer to settle, or any new terms regarding this account. I called back on XX/XX/2018 totally frustrated and upset at how I was being treated. The same lady answered the phone. She said the settlement letter I received about the accounts closed was " void '' and that all she could do is request that a new packet be sent out. I asked if she could e-mail it to me or send this info to me certified. She said no. She said the only information she could give out to me was that she ordered another packet and it will be placed in the mail on Monday. She basically blamed the mail service for me not receiving this information, despite my calls and follow-ups. She also went on to say that the company is not obligated to give discounts or settlements, so when I mentioned contacting the Federal Trade Commission or State 's Attorney, this kind of felt like a " bait and switch '' or a " punishment '' was going to be given to me if I were to seek other remedies. Almost retaliation for not receiving the proper service in the first place. All I want to do is to verify my debt, and will agree to pay the " settled '' amount that was agreed to. The actions of this company make me feel like they are using deceptive practices in order to get me to pay this account off. I am also thinking that there was no {$6700.00} in charges, that part or all of this has been fabricated. XXXX credit site only had a charge of {$2900.00} listed. Please assist me with these issues presented.
05/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95687	Web
Original Creditor - XXXX XXXX ; XXXX XXXX - USCB America ; Account Opened - XX/XX/XXXX ; Balance - {$130.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX : - Name and mailing address of the original creditor, the amount owed, what the debt is for ; - Via an invoice including dates, explain and show me how debt has been calculated ; - Provide me with copies of agreement contract that show I agree to pay your company apart from the creditor ; - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. - Provide a verification or copy of any judgments or lawsuits if applicable - If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of mycredit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : ( 1 ) Violation of the Fair Credit Reporting Act, ( 2 ) Violation of the Fair Debt Collection Practices Act, ( 3 ) Defamation of Character - If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Additionally during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. - If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I have not been notified by phone or written communication about this attempt to collect a debt via the collections agency, or notified about my rights to dispute the debt being pursued by the collections agency. My request to validate the debt has not been responded to in full. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - REQUEST FOR SPECIFIC COMMUNICATION : Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 805 ( B ), it is my right to request specified means of contact expressing that all else ( including work and alternative referred parties that are not myself, XXXX XXXX ) would be inconvenient and explicitly prohibited. I request that you maintain all future contacts with me in the following modes and times, as they are the most convenient for me.You can contact me about this debt, but only in the way I specify below. It is inconvenient to me to be contacted except as I authorize below. Please do not contact me about this debt in other way, or at any other place or time.You can only contact me at : XXXX anytime. Be advised, this is not a refusal to pay, but a request for specific communication. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the email address noted in this letter. My employer prohibits me from receiving communications like this at work. This is an attempt to correct your records ; any information obtained shall be used for that purpose.Thank you for your cooperation.
08/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94560	Web
I have XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX up to the present day XX/XX/XXXX. I have SEVEN billing accounts my Identity has been stolen taxes filed in XX/XX/XXXX by someone else not me. I I have filed complaints with all federal & state agencies that deal with XXXX Fraud along with ID Theft etc. This is here is just a small example of the XXXX I have had to deal with for SIX YEARS. On XX/XX/XXXX I had to pay {$25.00} to get my prescriptions filled my doctor had left on the XX/XX/XXXX. I have never had to pay to get my prescriptions filled EVER! This doctor XXXX on XX/XX/XXXX not only made me pay {$25.00} to get my prescriptions filled she also listed me as a XXXX locking me out of my NOT SECURE XXXX Member account. I was told that I had to see the doctor I was assigned to before I could get my prescriptions filled her name XXXX XXXX. She was not able to see me in XX/XX/XXXX so she had my prescriptions filled in XXXX & I had not seen her yet. Then in XX/XX/XXXX I could n't see her so the doctor on call XXXX XXXX filled my prescriptions without me coming in to see him. In XXXX I had two appointments one on the XX/XX/XXXX & another on XX/XX/XXXX that was suppose to be a phone appointment yet was canceled by XXXX XXXX she wanted me to come in. I have never had a telephone appointment canceled. I paid {$25.00} for each of the two appointments I then went to get my XXXX along with a XXXX sample on the XXXX on XX/XX/XXXX my appointment lasted FIVE minutes in that FIVE minutes this doctor told me to take another XXXXXXXX XXXX which I did & no matter what the outcome she would not fill or prescribe any new medication. Neither of these XXXX samples are in my medical files. On the billing statement I 'm being charged {$35.00} for XX/XX/XXXX for the XXXX etc., taken on the XX/XX/XXXX. On the billing account for XX/XX/XXXX where I got the XXXX & took the XXXXXXXX XXXX there is NOTHING listed just {$35.00} for the office appointment the {$25.00} I paid on the XX/XX/XXXX & XX/XX/XXXX is my co-pay forXX/XX/XXXX NOT {$35.00}. On XX/XX/XXXX they have these XXXX & XXXX sample being done on XX/XX/XXXX instead of XX/XX/XXXX. The {$25.00} for XX/XX/XXXXwas not & will not be paid to the XXXX XXXX I had to see to get my prescriptions filled. The appointment onXX/XX/XXXX was to get my prescriptions filled & to find out why this doctor was not calling me back or filling my prescriptions. This co-pay is {$35.00} for the year XX/XX/XXXX. The billing account number XXXX is for XXXX XXXX {$25.00} for XX/XX/XXXX & XX/XX/XXXX for {$35.00}. The billing account for XXXX is for XX/XX/XXXX for the co-pay for XX/XX/XXXX which is {$25.00} not {$35.00} the {$25.00} for this appointment was paid. On XX/XX/XXXX I paid my co-pay of {$25.00} for a FIVE minute appointment & they want me to pay {$35.00} for XXXX XXXX & XXXX that are not in my medical files this account number is XXXX & the interest they are charging me is {$6.00}. Original Creditor Name XXXX XXXX Original Creditor ID : XXXX Guarantor XXXX, XXXX XXXX. USCB Record ID XXXX Payment Due {$130.00} Make Check Payable to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX https : //uscbinc.com/paynow or you can scan In closing this is the biggest XXXX Fraud Civil Rights Violations etc. , in the History of the United States . " XXXX Hippa Fraud XXXX XXXX '' has been doing this for at least twenty-years me I 'm going on SIX years. This is a very well organized Crime Ring. XXXX XXXX XXXX CPC Compliance & Privacy Officer, XXXX XXXX XXXX XXXX XXXX XXXX Senior Case Manager for XXXX XXXX ARE THE SAME PERSON. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX the XXXX & XXXX XXXX Case Manager for XXXX ARE THE SAME PERSON. This is how XXXX controls what goes on behind closed doors they keep the same staff doctors etc., send you back to the exact people you are complaining about giving the XXXX Members NO WAY OUT!
05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85713	Web
ON XX/XX/2018 I CONTACTED XXXX XXXX ON A COLLECTION THAT APPEARED ON MY CREDIT REPORT. THE CALL OCCURED AT XXXX MST. I SPOKE TO A GENTLEMEN THAT GOES BY THE NAME OF XXXX. THE REPRESENTATIVE ATTEMPTED TO LOCATE ME BY THE AMOUNT I OWED. I INFORMED OF THE AMOUNT THAT WAS OWED AND OFFERED HIM MY SOCIAL SECURITY TO WHICH HE AGREED, AFTER PROVIDING THE SOCIAL HE WAS STILL ASKING FOR THE AMOUNT. XXXX INFORMED ME HAD LOCATED THE DEBT. I REQUESTED TO DISPUTE, THE REPRESENTATIVE ATTEMPTED TO PURSUADE ME THAT THE DEBT WAS MINE, AS HE KEPT ON TRYING TO CONVINCE ME TO AGREEE THAT THE DEBT WAS MINE HE STATED " YOU ARE NOT ( NAME ), AND THE LAST FOR OF YOUR SOCIAL IS NOT XXXX, AND THAT IS NOT YOUR ADDRESS, OR PHONE NUMBER. THE LAST FOUR OF THE SOCIAL WAS INCORRECT, THE TELEPHONE NUMBER INCORRECT, AND THE ADDRESS IS NOT MY CURRENT ADDRESS. AFTER HE RECOGNIZED THE ERROR OF THE LAST FOUR OF THE SOCIAL HE CORRECTED HIMSELF AFTER THE FACT THAT I HAD ALREADY PROVIDED MY SOCIAL TO HIM. I INFORMED HIM THAT I STILL WOULD LIKE TO DISPUTE THE DEBT. THIS DEBT WAS NEVER VALIDATED I HAD NO KNOWLEDGE OF IT. THE REPRESENTATIVE DID NOT OFFER TO VALIDATE THE DEBT. IF I KNEW SUCH A DEBT EXISTED I WOULD OF PAYED IT OFF. I BELIEVE REVSOLVE IS IN VIOLATION TO THE FOLLOWING ACTS REGARDING FDCPA:15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
06/12/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22201	Web
I recently found that medical debt that I had been approved temporary deferral of payments for by my medical provider was sent to a collections agency due to internal miscommunications by my medical provider. As such I reached out today, XX/XX/XXXX, to the debt collection agency, UCSB America, to establish a payment plan for the original amount due which was a little under {$1200.00}. On top of the original amount due there was an interest charge of over {$100.00}, which brought the total closer to {$1300.00}. I spoke with a representative to discuss a payment plan and inquire about the interest charge. They informed me that the interest was a 10 % annual interest charge by my medical provider backdating to the original service dates roughly one year ago, rather than interest from the collection agency themselves, which is why it came out to over {$100.00}. This sounded odd to me as the medical provider explicitly told me in the past there was no interest being charged on my payment plan. I called my medical provider to confirm this and they confirmed that they forwarded the collection to the debt collection agency at the original amount due for the services rendered which was the amount totaling to just under {$1200.00}, and did not include any additional interest charges. I then called UCSB America back to inquire about the interest again, a different representative answered saying that my representative was unavailable to talk and that I could call back at a later time. I said I was fine with continuing to speak to the representative I was already speaking with, and went on to explain what I had been told with the original UCSB representative, and how it did not coincide with what my medical provider was telling me. This new representative corrected what the original representative told me, indicating the interest charge was by UCSB America. I asked what the annual interest rate they were charging me was, they said it was 10 %. I explained there is no way to have over {$100.00} interest accrue on a balance of less than {$1200.00} between the date they received the debt ( XX/XX/XXXX ) and the date they billed me for it ( XX/XX/XXXX ), if the annual rate is 10 %. This requires an effective annual rate of over 500 % compounded continuously. As of now the balance has gone up another {$12.00} since the date of billing, which is still an approximate 120 % effective annual interest rate. I explained to the representative how these rates did not add up with the interest amount charged. The representative told me that he will have my original representative call me back by the end of the business day to resolve this issue, and hung up. I did not receive any call by the end of the business day by anyone from UCSB America. I have two issues with what has happened in my interactions thus far with UCSB America and its representatives. 1. The first representative lied to me about where the interest was originating from, indicating that it was originating from my medical provider, rather than UCSB America themselves, and thereby falsely inflating the amount I had owed to my medical provider. 2. The amount UCSB America is charging for interest is not the 10 % annual interest rate they are claiming it is, rather it is effectively 12 times higher at approximately 120 % annually as of now, and was over 500 % at the date of billing from them. Both of these are false claims intended to get me to pay more than what I owe, and I suspect they have succeeded in doing so to others who may not have questioned the claims they were making.
06/04/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85138	Web
I had an outstanding balance with XXXX XXXX that I was well aware of. I had paid over half using my Medical Flexible Spending in XXXX and did receive a statement in XXXX for a balance of {$450.00}. I decided to wait since sometimes they resubmit to the insurance and that amount changes. I did not receive a statement in XXXX and went on line to determine if I still owed anything. After putting in my account number it showed that I now have a {$0.00} ( XXXX ) balance owed so I thought it was taken care of by insurance. Then I got a call from Revsolve on XX/XX/XXXX. I told them I did not have a balance owed to XXXX per their website and thought that their claim that I owed {$350.00} was not legitimate and requested a breakdown and statement from them and if determined was legitimate I would gladly pay. I have yet to receive anything else from them except for phone calls. Today I get a phone call at XXXX from XXXX and let it go to VM. When I listen to the VM they mention in the VM that this is an attempt to collect a debt ... .I was shocked and really taken aback. I am a Director of Collections for an auto finance company, and could not believe that such a blatant disregard for the FDCPA could actually take place. I call the number at XXXX AZT on XX/XX/2021 when I get a minute between meetings and get " XXXX '' on the line. He asked for my Revsolve account number which I stated I do not have an account with Revsolve and need to know not only why they are calling me but also why they see fit to break laws in doing so. After verifying he stated that I had a bill due to them for {$100.00} from XXXX XXXX. I preceded to tell him that their website shows I have XXXX balance due and what proof can he provide that this is legitimate account. He stated that there is nothing that he could do. I asked if he could send a statement or itemization, he said that I could request one online with them but it would take more than a month to get and by then I would be reported to the credit bureau! I said ... hold on. This had better not come close to being reported to my credit. I have an 800+ score and would have paid XXXX had they shown a balance due on their site. He laughed at me a couple of times during the call. I asked if the call was being recorded and I don't think he answered. I hope it was. The last time he laughed, I asked if he had a supervisor and asked to speak to that supervisor, he said please hold while I see if I can do that, and abruptly and purposely hung up on me. So now we have 4 blatant violations to privacy and collections calls committed in one day by this collections agency and they need to be held accountable. 1. Leaving debt collection attempt information on a VM ( 3rd party disclosure ) 2. Demeaning and belittling conversation ( laughing at me ) 3. Not forwarding a call to a supervisor when asked ( again a requirement ) 4. Intentionally hanging up on a customer. Not only do companies like this give all collections and the companies attempting to do things correctly and helping customer 's through their situations, a bad name, but it is hurting our ability to actually do our jobs out here. I want this company held accountable for these actions and seek compensation for the violations stated above. FYI. I have also filed with the XXXX and will be submitting a complaint to the Attorney General of the State of Arizona. These types of practices can not continue if we are to have legitimate collections be able to succeed.
11/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 20111	Web
XXXX XXXX sent bills that they never notified me of to their debt collection agency USCB America. USCB America made zero attempts to call me and sent me a letter in the mail, and then claimed over the phone that mail is the only way they do notifications of debt. Upon receipt of the letter, their offices were closed for the weekend and I was referred to a voicemail box to leave a message. In response, I received a phone call on Tuesday from a robot claiming to be from that person 's office simply restating that I have a debt and need to call the same number I tried to call before which also directly contradicts their statement that they only do business through mail and not phonecalls. The billing notification from USCB America was dated XX/XX/2021. It was received on XX/XX/2021 after their business hours had ended for the weekend. These types of delays in our mail have been extremely common during the pandemic and I have received letters and packages as much as a month or more later than their post date. I was incapable of paying the bill when it arrived because their online payment system is intentionally obtuse. They charge each line item to a different account number and give XXXX option to pay it all in a lump sum online. I received a list of charges under different account numbers that all would have had to be paid separately on their form, until it reached a line that simply said " Additional '' with no account number, as well as a line that said Interest with no account number as well so even if I paid the amounts listed with account numbers there was still another {$94.00} and {$4.00} that I could not pay online and would continue to accrue interest until their offices open. On the initial communication from USCB America, they were charging me {$4.00} for interest that had accrued from before they had notified me of the bill, and then charged additional interest EACH DAY after before I had received notification of the bill. I asked for them to waive the interest that had accrued due to the late arrival of the letter, and difficulties with their website and they refused, simply restating that interest accumulates each day it is unpaid. The person over the phone directly told me I had to pay each item separately if I wanted to use the website. When I asked for a full list of the account numbers and charges, they listed off a list of accounts and charges that drastically differed from what was in the letter. When I asked about the discrepancy, the agent went silent and told me that interest would accrue if I did not pay it today. None of the account numbers were the same and the values did not line up with anything listed on the line item of the letter sent to me. I was not notified of what interest rate I was supposedly paying, when it started to accumulate interest, or how much interest would accrue if I attempted to resolve these issues and wound up paying the debt to get them to leave me alone. This behavior is unethical and clearly designed to forcibly add interest that is impossible to avoid onto the bill for their own profit.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 986XX	Web
On XX/XX/XXXX I was alerted via email by myFICO credit monitoring services that a new debt collection had been added to my credit report. Upon further investigation, the debt collection was from a USCB America company in the amount of {$400.00}, reported to XXXX XXXX XXXX XXXX XX/XX/XXXX and posted to my XXXX credit report XX/XX/XXXX. I had never heard of this company nor ever received any information from them on any debts due so immediately was concerned of fraudulent activity or possible stolen identity and person information. Upon USCB America Business opening XX/XX/XXXXXXXX XXXX, I spoke with a representative XXXX XXXX? ) to request more information on this account being reported to credit bureaus that I had no knowledge of. I was unable to gather more information on the account without giving them more of my personal information. I provided my name and current address. I was informed the debt was from XXXX for medical bills. While I do have XXXXXXXX XXXX the concern underlying is that I have been to XXXX on multiple occasions the past several years for both myself and my children and to my awareness, my accounts have been paid in full. USCB America was also infomed that I had received no communications for this debt I was attepting to collect. I was told that letters had been sent to my address however I never received them if they were actually sent. Additionally,, I have been in bankrupcy from XXXX XXXX XXXX, so I find it interesting that right after my case has been discharged and closed, these issues are suddently arising. I have been very diligent about paying all my bills throughout bankruptcy as it was a condition of my bankruptcy to not accumulate new debt. Had I become aware of bills that may had been overlooked, I would gladly pay them. I request USCB America please send me information surrounding this debt as I had no knowledge of this account or need to pay it. As mentioned previously however, my accounts are noted as paid in full with XXXX and I've had multiple clinic visits with them over the past several years on/off. Upon further investigation of USCB America, I noted several other consumer complaints XXXX XXXX XXXX XXXX about their illegal practices to immediately report debts to credit agencies, specifically regarding XXXX XXXX, prior to even making attempts to contact the consumers. Given this information, I too filed a dispute with the XXXX that's still under investigation as well as disputed this illegally reported information to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I was informed by dispute was not reversed on my credit report as USCB America was reporting the debt as valid. It is against the law for a debt collector to report to credit bureaus prior to contacting the consumer. I had no awareness of this debt or debt collection activity for if I did, I would have immediately made attempts to settle it with XXXX or the collection agency. I have no documents to attach pertaining to this matter as the debt collection agency USCB America has not sent me one letter or email as of this date.
06/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94582	Web
I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.
09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85142	Web
I discovered an unpaid collection of {$1200.00} on my XXXX credit report. I proceeded to call the collections company listed on the credit report, Resolve Inc ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an Emergency Visit at XXXX XXXX Hospital on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX Hospital and Resolve Inc. to get this matter removed from my credit report. I have disputed this situation with XXXX ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from Resolve Inc. dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. XXXX once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX Hospital sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX Hospital requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : XXXX, XXXX XXXX, Resolve Inc, XXXX and XXXX XXXX XXXX XXXX am frustrated that XXXX will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.
03/17/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94566	Web
This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. In correspondence dated XX/XX/2016 you received a demand for validation and cease communication letter from me delivered to you via certified mail. As of today you have failed to provide me with the proof I have lawfully requested. The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. Also, when an alleged debt is disputed, a notation must be entered on the debtor 's credit report showing the item as in dispute. Again, this was not done. I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX and XXXX ) and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95207	Web
XXXX did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. XXXX continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
01/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 949XX	Web	Older American
This is a medical bill that was processed by XXXX XXXX and they do not process my medical bills to my insurance correctly. Because they can not be reached by email, I have to call their Patient Financial Services Department on the phone and there is no written record of the conversation and they always tell me, don't worry, don't pay it, we will bill your insurance, but they don't do it correctly ( or at all ) and then the bill does not get paid and XXXX thinks its delinquent and turns in to collection. I have been getting letters from the Collection agency USCB XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX since at least 2009. I can send you copies of collection notices from them since 2009. And complaints filed with your office as well as CDMHC. I am also a XXXX patient at XXXX XXXX XXXX XXXX XXXX, and they bill my insurance correctly, then XXXX bills me for balance, they never make mistakes and I pay the bills on time and never late. But XXXX bills are always billed incorrectly, due to XXXX 's inefficiency and unfamiliarity dealing with a private insurance company for their coverage, and consequently it appears on their records that I don't pay the bills. My insurance does not permit me to pay the bills and get reimbursed, they pay their insurance amount and then XXXX is supposed to bill me for the balance. This has been going in since 2009 but XXXX doesn't get it right, and USCB calls me, and leaves threatening messages. I finally disconnected my home phone. And I have been receiving collection notices from USCB since 2009 most for bills that were paid. I am XXXX years old XXXX patient, all my bills with other medical providers are current. I want to file a complaint against USCB for Elder Abuse. I know I cant file against XXXX Patient Financial Services because as I have been told by Dept of Managed Health Care, they are not an HMO. So I am left with few options other than your department for Consumer related issues. I am running out of options to stop this incessant billing and notices every year. And I told XXXX I refuse to correspond with a collection company and will never pay any money whether owed or not to USCB or any other collection agency for errors and omissions that are XXXX 's fault.
12/11/2018	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 90025	Web
I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously. After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me. She abused and overwhelmed me intentionally for no reason. I don't know why. I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well. I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally. Both of them are personally liable to me for abusing and hurting me. What they did was illegal and manipulative. They had bad intentions. I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging. Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them. I will not tolerate abuse coming from two teenagers. The appropriate government agency should not tolerate it as well. Please discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.
04/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20906	Web
XXXX XXXX, This complaint is against USCB AMERICA, a collection agency located at XXXX XXXX, CA. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. Secondly, even after debt validation had been requested from them, they have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. I have complete records of all correspondences, certified receipts, etc. with this company. If you would like to review this documentation, please let me know. In the meantime, I thank you, in advance, for your immediate attention and response to this matter. XXXX
01/11/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85143	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
11/25/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85339	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
08/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90047	Web	Older American
On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you
05/05/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 957XX	Web
Good Afternoon my name is XXXX XXXX, Im a federally protected consumer, and Im saddened that I have to make this complaint against USCB AMERICA for committing identity theft. I have never given USCB AMERICA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any type of documentation requesting validation from USCB AMERICA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If USCB AMERICA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until USCB AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and USCB AMERICA continues its collection efforts, I will file for litigation for actual damages caused and USCB AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
01/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
In XX/XX/XXXX, I had an XXXX XXXX on XXXX XXXX in XXXX XXXX, CA and was taken to the emergency room at XXXX XXXX XXXX for treatment. This was the second visit to this ER in less than a year. I had been unemployed since XXXX due to my XXXX. At the time, I had XXXX insurance that I was paying out of my savings. I was receiving unemployment ( ~ {$450.00} / week ) with a XXXX supplement ( ~ {$300.00} / week ). My income was far below 350 % percent of the Federal poverty level. During the year before I had my XXXX, I had medical bills of more than {$10000.00} ( far more than 10 % of my income ). California law ( SB-1276 Health care : fair billing policies ) requires hospitals to provide discounted care to patients more than 350 % below the Federal Poverty level and with out of pocket medical expenses more than 10 % of their income. I spoke with billing agents at XXXX. They told me ( over their internal messaging system ) that I needed to apply for their charity care program. At the time, they told me they could not accept an online / emailed application and that it would need to be sent via mail. I mailed an application to them with copies of my unemployment paperwork, as well as all of my medical bills. I never heard back from them. I tried reaching out by phone, but was told that they could not tell me anything about the status of my application. I started receiving bills for my care again in early XXXX at my parents ' address in Texas ( where I moved when my unemployment and savings ran out ), so I sent another application form in, this time with my XXXX W-2, which shows an annual income of ~ {$39000.00}. In XXXX of this year ( XXXX ), I received a bill from USCB America ( a medical debt collector ) trying to collect this bill. Because the hospital has not provided me with discounted care, it is not legal for this debt collector to attempt to collect.
03/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87144	Web
I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00},, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. Post previous complaint, I received a letter from USBC on XX/XX/XXXX noting that the Acc # XXXX XXXX had been requested for removal from my 3 credit bureaus in which it has been removed. However once again, they sent me HIPPA violating information ( attached letters ) for the accounts listed as follows : Act # XXXX {$510.00}, Act # XXXX {$10.00}, Act # XXXX {$40.00}. In addition, the accounts listed as Act # XXXX {$34.00}, Act # XXXX {$25.00}, Act # XXXX {$15.00} have yet to be verified. As such, I would need them to delete all information of these balances from their collection agency, remove any further action of reporting to the 3 credit bureaus, and cease all contact for the above noted accounts. *All documentation supporting previous complaint can be accessed from complaint IDXXXX
01/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 212XX	Web
In 2019, and while insured by XXXX XXXX in XXXX California, I visited Maryland ( where I have now moved ) for several months and received medical attention from a XXXX XXXX XXXX injury here. Before receiving the medical attention, I contacted a XXXX representative in California who advised me that any medical services that I received in the XXXX / Maryland / Virginia area would be covered by my XXXX plan in California, provided that I received the attention at XXXX XXXX. I was further told that medical services received from non-XXXX facilities may be covered as well but in more limited circumstances, so I made sure to only receive care in XXXX owned and operated facilities. When I later permanently moved to Maryland, I officially switched my coverage to XXXX XXXX. At no point was I without coverage, either by XXXX of XXXX California or XXXX XXXX. After several months of services from XXXX XXXX, I was informed that I owed out-of-pocket costs from the services previously rendered in the XXXX XXXX facilities while I was a member of XXXX XXXX California. I disputed the charges with XXXX 's internal dispute resolution services, and during the last call I had with them I was told that since their records confirmed that I was completely covered by a XXXX plan ( whether XXXX California or XXXX ) at all times, I would not be responsible for any out-of-pocket charges and they would be resolved internally. I believed that the matter was resolved until I received a letter yesterday from USCB America, informing me that they are attempting to recover a debt of {$2800.00} owed by me to XXXX XXXX XXXX. I ran my free credit report and this has in fact been reported and my credit score has been significantly lowered as a result.
10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85041	Web
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
03/20/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 81212	Web
I have a concern that my privacy rights were violated through a family member ( brother-in-law or b-n-l ). The company RevSolve contacted my brother-in-law on XX/XX/XXXX regarding a small medical debt he owed. The agent then asked him if he knew me. He stated that I was his sister-n-law and asked if there was a problem with me and if he could pay my account off. The agent told him she couldn't give that information out, so my b-n-l said " Then why did you bring her name up? These two accounts have nothing to do with each other. '' Since my b-n-l was on the road when they called, he called them back on XX/XX/XXXX to pay off his account. On that phone call, a different agent asked him if he knew me - this would be a second time my name came up. My b-n-l again told the agent that our accounts have nothing to do with each other and why are you bringing her name up to me? My b-n-l was concerned and so finally decided to ask me about it. When he asked me " Are you and " my husband '' having financial difficulties? '' I was mortified that he would have been subjected to that through TWO agents of the company RevSolve. My name should have NEVER been mentioned what-so-ever to him. Our accounts are in no way connected. It would be no different than having 20 " XXXX 's '' and assuming any of them would be connected or related. I contacted RevSolve on XX/XX/XXXX to file a complaint. They were supposed to call me back on the same day and I have yet to hear from them. I have also contacted the medical facility on XX/XX/XXXX to let them know they are contracting with a company which is violating privacy rights. I have not received a call back from them as of yet ( XX/XX/XXXX ).
06/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95403	Web
Never received any paperwork regarding a debt was owed. Received phone calls every few days stating for me to call the phone number of USCB America. The phone number was spoken and the call ended, no time to write it down, no voicemail to refer to. I notice an active debt on my report according to XXXX XXXX I research who USCB America is. I call and state that I have never received anything in the mail regarding the debt and according to CFPB rules, reading them during the recorded call, this must be done before being on my credit report. She checks my current credit report for an agreed amount of {$1.00}. The person I speak to says it can be disputed for {$170.00} initiation, {$99.00} for the first month and removed after 90 days with a XXXX XXXX monthly subscription.This is also written in an email sent during the call. Just a dispute, no guarantee of success. So I deny service. During the call, i get a call from my bank XXXX XXXX XXXX XXXX ) about fraud protection. My debit card was charged 3 times. Once for {$1.00} from XXXX XXXX, once for {$0.00} from XXXX XXXX XXXX, and a third time for {$1.00} from XXXX. I allowed the {$0.00} given the amount, I allowed XXXX XXXX ( {$1.00} ) being that was the name I remembered but denied the 3rd ( {$1.00} ) by not recognizing the name, but not USBC America either. Lastly, I asked how long this debt has been on my credit report, she states it had been there for a year, which the medical services from XXXX XXXX are not that old, tho I dont know the specific service they are referring to, i do know ive only been there once in the last year and that was a few months ago. Not a year.
08/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95608	Web
I had my credit pulled on XX/XX/XXXX in order to obtain a loan. The lender informed me that I had a collection on my credit report. I was unaware that I had a debt, let alone that it had been sent to collections.The credit report states that this was a medical bill from XXXX XXXX XXXX in the amount of {$430.00} from XX/XX/XXXX. I called XXXX within a few days of finding out about this collection to inquire about the debt, and was told that the bill was from an emergency room visit in XX/XX/XXXX. At that time, I was under the impression that I was covered by XXXX. XXXX informed me on our call, this XX/XX/XXXX, that I was not covered by XXXX at that time and that my insurance had lapst about 2 weeks prior. After getting off the phone with XXXX, I called the collections agency. The collections companys name is USCB America. In an attempt to resolve the matter I asked if I can pay the debt and have the collection removed from my credit. They refused, so I asked to speak with a manager. A manager was not available at the time, so one was supposed to call me back. I waited about a weeks time and never received a call from a manager, so I called again. This time I was able to speak with a manager and was told that even if I pay my debt in full, they will not remove the collection from my credit report. I called again a few days later hoping for a different result, but was told again that even if I pay the debt in full, they will not remove the collection from my credit report.I was unaware of this debt, and I am trying to resolve it, but this collection company seems to want to punish me anyway.
07/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 958XX	Web
I was called by a debt collector on XX/XX/XXXX to collect a debt I didn't owe. They used a name I don't go by, XXXX XXXX XXXX XXXX, that my parents have used on occasion in the past for certain things, but is not a name I use ever, and not my legal name. They also claimed 'they didn't have my current address so past forms weren't received ', though I have lived there for 4 years and have used only that address since. They referenced a medical visit that occurred last year on XX/XX/XXXX to XX/XX/XXXX, that I had previously paid all bills in full on. I had received medical care under my legal name, XXXX XXXX, under my current address, and all related bills and other info had arrived addressed as such. I stated clearly I didn't owe the debt and when the caller was persistent I gave them my address and told them to send me the info in the mail along with proof they owned the debt. The caller stated 'owe we don't own the debt ', but was still persistent in wanting to send me the info anyways. Today, XX/XX/XXXX, I have received the info in the mail, from a 'UCSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ', again, with the wrong name, with random charges on it, and I was insured at the time so if those charges weren't fraudulent, some of them would be taken care of by my insurance, and without the proof that the debt is owed. That is why I'm filing this complaint. Attached is the fraudulent debt from USCB, and an actual debt from the medical service referenced that has since been paid in full. Best, XXXX XXXX.
03/18/2016	No	Debt collection Medical	Communication tactics Called after sent written cease of comm	CA 95662	Web
On XXXX XXXX, XXXX I sent a letter to USCB regarding a debt they said that I owed to XXXX XXXX. The text of letter is pasted below : XXXX XXXX, XXXX USCB America XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : ATTEMPT TO COLLECT A DEBT ON BEHALF OF XXXX XXXX, MEDICAL RECORD NUMBER XXXX To Whom It May Concern : I am receipt of your statement dated XXXX regarding an attempt to collect and settle a debt with XXXX XXXX ( copy attached ). As I discussed with your representatives on the phone several times, this debt was already settled directly with XXXX and paid in full XX/XX/XXXX, very shortly after I received their first bill. Enclosed is a statement which shows all charges to XXXX have been paid in full. You are breaking the law by : Failing to verify disputed debts and Ignoring my cease communication requests Please update your records and cease your collection attempts immediately. Any further attempt on your behalf to collect this debt, including phone calls, letters, or incorrect and negative impacts to my credit report, will be considered harassment, and I will file complaints with the CFPB and the California Attorney General, and possibly seek damages through legal action. Sincerely, XXXX XXXX As stated in this letter, I do not owe this debt, and my account with XXXX is paid in full. I asked that they cease communication with me. However, I have since received repeated phone calls from them, and today I received yet another phone call from them. ( XXXX/XXXX/XXXX )
10/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90249	Web
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
08/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30328	Web
Hello. My name is XXXX XXXX and this is my first attempt through CFPB to correct inaccurate reporting to the three major credit bureaus ( XXXX XXXX an XXXX ) citing USCB as the collector on behalf of XXXX XXXX after contacting a USCB representative regarding a collection account in the amount of {$100.00} populated on my XXXX credit report. This account appeared on my credit report XXXX XXXX This is very unusual as I have been insured with XXXX since XXXX and have never even had an outstanding balance or been made aware of any outstanding charges or missed payments verbally, by phone/text message, email or in writing by a mailed letter. I have no record of any outstanding balances and believe my personal information to have been compromised. My report shows Account # XXXX with the balance of {$100.00} After speaking with the representative assigned to me, she was able to provide the following account numbers and amounts as well : Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX with balances as small as {$7.00} up to the {$100.00} cited on Acct # XXXX. I do not know how this happened but this debt does not belong to me and should also be removed from all three bureaus. I look forward to hearing back soon with any further instructions to correct this issue. Thank you for your time.
03/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 471XX	Web
On XX/XX/2022, I was informed that three collections had been added to my credit report. Upon searching for a number and after speaking with several reps that looked up my name, number, and social security number to no prevail ; I finally was able to speak with someone who found the collections, even though I was not in their system. She stated that there was 5 collections in total, even though only three are being reported and she couldnt tell me why the other 2 were not being reported. She also stated that she couldnt give me any information on these collections, but I could go to care.uscbamerica.com to request an itemized list immediately. I went to the website, and once again it was a dead end with no records and an error message and it did state that it takes up to 4 weeks to receive a list ; which was not what was told to me. I asked if I were to pay the amount, if it would be removed from my report. She stated yes, that it would be completely removed from collections. Her team lead stated otherwise when I had called back to make a payment. This company didnt have my address, phone number, or SSN nor have I received any type of bill or notice of the original debt and the collection debt. I feel this may be a fraudulent attempt to collect money, or possibly a fraudulent company as an entirety.
12/27/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA XXXXX	Web
Im really worried that USCB AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. USCB AMERICA has committed infringement upon my consumers right to privacy. I, XXXX XXXX never granted consent to USCB AMERICA to contact me. USCB AMERICA has/ or purchased my private information without my consent. I never contracted with USCB AMERICA. USCB AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand USCB AMERICA to validate this alleged debt. If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. At this time I also asked for USCB AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ). USCB AMERICA violated 12 CFR 1006.14 ( B ) -1, USCB AMERICA has been abusing me and harassing me in an attempt to collect an alleged debt by repeatedly and continuously calling me.
07/28/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web	Older American, Servicemember
For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.
02/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94117	Web
USCB America held what I believe to be a valid debt related to medical expenses. I paid the debt in full using a payment plan. Originally it was for 4 payments, but I paid it in full a couple months early with a 3rd payment. The payment amounts were for {$1300.00}, {$1300.00}, and {$2600.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021. With each payment, I have attempted to retrieve a receipt for the transaction. With the final payment I attempted to retrieve a payoff letter. I have called more times than I can count, left voicemails twice, spoke with agents and supervisors alike, and on my most recent call I even 3-way joined in XXXX 's XXXX team. I've verified my address several times. They refuse to work over any means that leaves a paper trail, they refuse to email it, and they refuse to mail any of it with tracking information. Refusing to provide this must be illegal, right? I think it is illegal in California to refuse to furnish a receipt of any kind for a transaction when requested. No idea what federal laws exist there. I just want my XXXX receipts and payoff letter and maybe a nasty call from XXXX XXXX XXXX will finally do it. Short of that I am going to charge back the payments or file a lawsuit or both.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95219	Web
On XX/XX/, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that USCB AMERICA properly investigated this account because there are obvious inaccuracies. XXXX Account Numbers XXXX and XXXX which were in collections are already removed from my report. However, Account XXXX XXXX is still on my report. These accounts were deleted due to it being inaccurate and unverifiable so my question is how are they reporting this still if this is the case? USCB AMERICA has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the XXXX duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. USCB AMERICA has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
08/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91803	Web
Hi, Thank you for your time in reviewing my case. I have just been notified by XXXX that I have 3 different derogatory remark in 1 day for debt that I have 2 years ago. The thing is, I was not informed in any way or form that I had debt to settle and it was sent to collection. Since it did go to collection, I was not given the chance to settle the debt before it was listed on my credit report. I have contacted the debt collector so that I can settle the debt and have them remove the 3 separare derogatory remark in my credit report. However, they insisted on leaving the report on my account even after offering to pay their 'discounted offer ' of {$56.00} by a female agent named XXXX . It is not fair that now my credit is greatly affected even after I were to decide and pay that amount without giving me the chance to settle the debt. I have been working hard to increase my credit score for the past 6 months, this will surely hit my score and reduce my chances of getting a mortgage for a house. I would really appreciate it if we can work something out so that all parties involved will be treated fairly. Again, thank you so much for your time. Best regards, XXXX XXXX
02/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 87144	Web
I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00}, Act # XXXX {$0.00}, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of XXXX privacy regulations. I never signed a XXXX form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. Please delete this information from my credit file and cease all collections activities for the noted accounts above.
08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54481	Web
Hi my name is XXXX XXXX and this is my first time filing a complaint using CFPB. Since XXXX I have been working on improving on being more financially responsible : Budgeting, paying bills on time, and self educating myself. I check my reports frequently through XXXX XXXX and it bothers me to see the following Medical collections below listed on my account. This could have been a simple misunderstanding of me having insurance or not as Im not a big fan of the hospital, sof I have been on ssdi for 2 years and recently started a new job working a job 30-40 hrs a week. My goal is to clear out any errors regarding my credit, build it too a XXXX by XX/XX/XXXX and XXXX by XX/XX/XXXX. So far I have paid a debt to XXXX in full of {$2400.00}, pay rent on time, and created a in-progress budget plan. I will work to get to where I need to be slowly and surly. Im in the process of rebuilding my credit score and these remarks are hurting my credit. Any advice /help to remove these remarks would be great. Thanks for your time and I look forward from hearing from you. Revsolve {$470.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX. {$1300.00} XX/XX/XXXX XXXX
01/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	HI 96792	Web	Older American
Today, XX/XX/2023, I received a notice from a company called USCB America a debt collector. [ XXXX XXXX XXXX XXXX XXXX XXXX Bx XXXX ; LA, CA XXXX XXXX They are saying that I owe XXXX XXXX XXXX {$150.00}. This is NOT the first time they have claimed I owe XXXX money -which I do/did NOT! I DO NOT OWE XXXX ANY MONEY!!! After this debt collection last attempt to collect a debt from me that I DID NOT OWE, I communicated with XXXX. Please see the result of that inquiry I made to XXXX about whether or not I owed XXXX any money. The communication I had with XXXX was on XX/XX/XXXX, XXXX XXXX DAYS BEFORE I was notified [ again ] by USCB America XXXX Re : Submit a complaint/grievance ( XXXX ) Contact Member Services Request XXXX XXXX XX/XX/2023 XXXX ID : XXXX Dear XXXX, Thank you for your inquiry. I have shared your concerns with the Patient Financial Services Team for review and action, as appropriate. They have confirmed that any payments made to your account has been applied and a {$0.00} balance is reflecting for your dates of services. Thank you for using XXXX XXXX 's website. Be healthy. Live well. Thrive. XXXX XXXX Customer Service Representative
12/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98684	Web	Older American, Servicemember
I am going to need to provide some estimates since I do not have the bills that XXXX XXXX XXXX turned over to collections. In the summer of XXXX, I XXXX XXXX and I was taken to the XXXX XXXX XXXX room in XXXX, OR. After approximately two months, I received a notification requesting my insurance information. I receive my health insurance through the VA as I am a XXXX veteran. I contact the XXXX XXXX billing department and provided their billing agent all of my VA insurance information so they could bill the VA which would cover 100 % of the bill. Other people did hear this conversation. I was told that if they had any problems they would contact me. We received no further communications from XXXX. We received no mail, we have lived in the same home for over four years. We received no phones calls, I have had my phone number for a decade and my wife has had here phone number since XXXX. In checking our credit report we discovered that XXXX XXXX XXXX sent me to collections without any notice whatsoever, no bills, no letters, no phone call, nothing. I have never heard of such an unethical business practice.
04/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94403	Web
Account Number XXXX Debt Collect or : USCB AMERICA Date Op ened : XXXX / XXXX / XXXX Past Due Amount : {$260.00} Contact Phone : ( XXXX ) XXXX Contact Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX Original Creditor : XXXX XXXX Account Number XXXX Debt Collecto r : USCB AMERICA Date O pened : XXXX / XXXX / XXXX Past Due Amount : {$290.00} Contact Phone : ( XXXX ) XXXX Contact Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX XXXX Creditor : XXXX XXXX I foun d two collection account posted in my credit account, by USCB Collect ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.
12/17/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 93535	Web
Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.
10/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 935XX	Web
My name is XXXX XXXX XXXX XXXX. I do not owe USCB XXXX for medical bills. Somehow they are reporting it on my XXXX credit report. I believe they have the wrong person. I have attempted to have this investigated but all they want to do is collect. The bills are not mine. The accounts numbers listed are : XXXX, XXXX, XXXX. USCB does not have any listings where you can call them. They make it impossible to contact them to do anything but pay them. They only have a pay website. They do not provide their contact info on the credit reports. This is what their website says : " USCB XXXX is a leader in providing innovative business process outsourcing and accounts receivable management solutions to some of the largest private and public institutions and healthcare providers in the Nation. Utilizing " best practices '' and leveraging decades of experience in the XXXX and XXXX XXXX industry, USCB XXXX delivers to its clients customized, turn-key XXXX XXXX XXXX that improve cash flow, streamline workflow processes, reduce administrative redundancy and optimize XXXX XXXX XXXX ''
07/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
On XX/XX/XXXX I was notified that a collection had been placed on my account. Upon review, I saw that the collection was placed by XXXX XXXX in the amount of {$5.00} for a medical bill from XXXX XXXX. I immediately contacted XXXX XXXX and the representative informed me that the collection was for medical services provided on XX/XX/XXXX. I informed the representative that this bill had been paid and that I had 100 % coverage through Medi-Cal for the entire year of XXXX, and that I confirmed with a county Medi-Cal services representative that all medical bills during that period were covered and should not be billed to me. However, the XXXX XXXX representative continued to pressure me for payment and informed me that this debt would remain on my credit report, despite it being paid. Additionally, the XXXX XXXX representative informed me that they were billing me a total of {$340.00} for medical debts incurred by other members of my family. I informed the representative that these debts were also covered and paid by Medi-Cal, yet she continued to pressure me for payment.
08/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94520	Web
I received two letters from USCB America attempting to collect a medical debt around XX/XX/2020. One bill was about {$800.00} and the second was a little over {$200.00}. Due to the pandemic, losing my job, and general life events I wasn't able to make contact with them until XX/XX/2020. I called XXXX ( who apparently reported these charges ) and they told me they didn't have access to review anything because it was now " in collections hands. I sent the company a debt validation letter for each of the bills they sent me in order to verify these charges before I made arrangements to pay it off. I never received a response from this company and it has been 45+ days since my note was delivered. I sent both letters via certified mail to document the contact I made. These bills going to collections have really impacted my score and I'm not really sure how to move forward. My goal was to verify the legitimacy of this letter and see what I need to do because my primary concern is maintaining a good credit score.
06/14/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94526	Web
Hi, I disputed the collections account that XXXX California sent to USCB America, XXXX XXXX, CA. To no avail. I have tried to get information on the collections account from USCB America, over many months, including trying to pay it in full as it is negatively impacting my credit, also right to work and lending underwriting, this company appears to be corrupt. Never have I dealt with a collections company that does n't do everything possible to take your payment. This behavior tells me, they want to keep you in collections limbo so they can increase their fees on the debt amount. They ca n't find my account They ca n't find my account number, even with my SSN, full name, address, etc. They ca n't transfer me properly They transfer me to people who do n't handle collections They do n't have the expertise to handle my inquiry They do n't speak with comprehension They hang up if you raise your voice out of frustration I want this debt discharged from all credit reporting agencies immediately,
05/13/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD XXXXX	Web	Older American
I am a member of XXXX XXXX and received a bill for {$20.00} from a collection agency. I followed up and found out that the debt was for my grandson who is on my policy. He did not pay his copay and so it was attached to my account. Not of the reasons listed applied so I used the closest I could find. The mgr was rude and wanted to tell me how this situation was going to go. So yes, I found it threatening. When I called to tell the collection agency and XXXX that they should correctly report that it was because I was responsible for my grandson and not myself. These type of errors harm everyone especially myself who was unaware of the debt and was unable to rectify it directly with XXXX and USCB America staff needs training on debt collection. When I tried to pay the {$42.00} I had to give them way too much information. As a result, this debt was not paid because the manager would not take my debit card without me giving him my name, social, etc. I do not want this to AFFECT MY CREDIT REPORT!
02/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85019	Web
On XX/XX/2018 XXXX XXXX indicates that an account or debt was owed by me in the amount of XXXX. This is not correct and I have not been to a XXXX XXXX XXXX XXXX as it is for children. I am close to XXXX years old and I am not eligible to be seen at these types of clinics. The company has posted that I owe this debt and it is on my credit without trying to contact me in any way. I found out about this just a few weeks ago when it landed on my credit. I could of paid long ago if I knew about this to avoid hitting my credit even if it was not me. I have contacted the company and they were suppose to send me medical records and statements on what I was seen for and if it even was my complete information. I have not received anything from XXXX or XXXX XXXX XXXX. I would like to also add that if my medical information has been compromised wrongfully by this company and I would have HIPAA initiate an investigation on how this occurred and if all companies are following the HIPAA Laws and Regulations.
03/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 870XX	Web
I had a hospital Bill from XXXX XXXX that was fully covered by my insurance. I never owed the money that they tried to bill me for. The hospital had sent my bill to debt collections. After months of talking to the hospital, debt collectors and my insurance the mistake was fixed. I DO NOT owe the hospital any money my current balance is {$0.00} and has been {$0.00} for over a year. I still get calls about paying this bill and Ive tried to send them proof and contact them. The debt collection company has sent me out of service numbers and incorrect emails to send them proof of {$0.00} balance. I get told theyll look into it and I wont hear anything till they call to collect again. My credit score is ruined and my report says I owe money to them still. Ive filed 3 disputes against them through XXXX but only one dispute went through for a partial amount of the bill. The other two disputes I was told to contact the debt collection company where again I was given an out of service number.
06/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90301	Web	Servicemember
This medical debt was original sent to my employers address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, even that is incorrect the address is XXXX XXXX XXXX XXXX not XXXX. My home address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Last year around XX/XX/XXXX I informed the medical provider that somehow they had listed my employers address instead of my home address on the medical records In late XXXX my employer received these XXXX invoices at the XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX I received the medical bill, I then called and spoke to a rep to verify if it was my debt. The debt was confirmed by both parties and told them I would call back upon receiving my paycheck to pay off debt. On XX/XX/XXXX I phone the collection company and made the arrangement & negotiated that upon full payment for these XXXX accounts being reported on my credit files to have them removed. I made a payment with representative Terra # XXXX to pay {$860.00} to XXXX XXXX.
03/20/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 76065	Web	Older American, Servicemember
I have a membership with XXXX and receive alerts as changes occur on my credit report. I recently received alert that company uscb American had submitted a collection from XXXX XXXX. The collection dated to XX/XX/2018. I moved to Texas in XX/XX/2018 and did not receive any correspondence that i owed a bill now more than a year later here is a collection appearing on my report that will remain for 7 years, I tried to communicate ith company to see if we could settle on an amount since this is an old bill and i was not aware. I am retired and on a fixed income and cant afford to have an extra expense and the company was unwilling to work with me for a reasonable solution. with the recent outbreak of the corona virus everyone is concerned about their finances. I have worked hard to bring my credit score and remain credit worthy and i am hurt and appalled that this company has submitted this report twice thus causing my score to drop by 54 points.
03/10/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 902XX	Web
XX/XX/2023 XXXX XXXX XXXX USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Re : XXXX FACULTY PRACTICE GROUP REF # XXXX USCB AMERICA I am responding to your notice about collecting a debt. You contacted me by XXXX MAIL and did not address a date you endorsed the notice. You did however demand a response by XX/XX/2023 and XX/XX/2023. Please be advised I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make all other communication with me with via email listed above. I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, XXXX XXXX
04/03/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93001	Web
I was billed for XXXX from XXXX. The bill was late and sent to a collection agency. I made arrangements with USCB agency and successfully completed payments. The arrangement was made that if payments were made timely no collection acct would be put on my credit report. This was done over a year and half ago and was all successfully paid and completed then out of nowhere USCB places a collection on my account last month and shows it still owing. I contacted USCB and they said to contact XXXX. I contacted XXXX and they said to contact USCB. Neither party is helping but both parties acknowledge acct is satisfied and there is no amount owing. Please help me in getting the attention of USCB to remove this from credit and to not be erroneously placing collections on my credit report. How can I pay it almost two years ago be fully satisfied as agreed upon and then they out-of-nowhere put an erroneous collection on my credit? please help. XXXX
07/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30083	Web
Per the XXXX report it claims on XX/XX/2020 I went to XXXX and was treated and was billed XXXX. This is simply not true. I did not go to the hospital at all during the pandemic. This is not the first time they have tried to put something on my credit report. Just this past XXXX I dispute it a {$300.00} charge that they claimed was mine from XX/XX/2020. When I disputed it, it was ruled that it was not true and taken off my report. I try to do the same thing for this one however they are telling me it is true and I know it is not. I feel that I am a victim of either discrimination or identity theft because this is not the first time this company USCB has tried to claim that I owe them. You can look at my credit report and see that I am a credible person and pay my debts to who is owed. It is very frustrating when every month I have to dispute a false charge. I feel I am being targeted at this point. Please advise, XXXX XXXX
05/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95014	Web
I learned a few months after this debt collection agency reported to XXXX that I do have a record of debt collection on my report. There were 3 separate records by USCB for various amounts ranging from {$61.00} to {$260.00}. The original creditor is XXXX XXXX. I immediately disputed all of them since I didn't go to XXXX for the last 10 years. My insurance is XXXX XXXX through my employer. XXXX resolve 2 of the 3 disputes and kept one of them, for {$260.00}, saying " The company that reported the information has certied to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ". There are no details to review, I can't see how they " certified ''. I've never received a debt collection attempt in the mail, no phone calls. I have no way to contact USCB since they don't list an email or phone number on their website.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 92335	Web
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
09/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 949XX	Web
In XX/XX/XXXX collection company USCB slapped a collection account on my credit report after no attempts to collect from me for almost 3 years. The previous attempt at collection was last noted in XXXX of XXXX. These were originally reported delinquent in XXXX and XXXX, but I need proof of the original tdebt to understand what all these charges are for, exactly. I am working with a credit repair company, XXXX XXXX, that cant seem to locate the original debts. It is my understanding that the collection agency must show proof of the original debt in order for this to be legitimate. I am willing to try to settle this and make payments on the account, if legitimate, I want the XX/XX/XXXX reporting of collections to be removed though, since they havent attempted to collect a dime from me for almost 3 years. I have attached copies of these debts from my credit report obtained by XXXX XXXX.
08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94509	Web
I have never heard from this company about the alleged said debt they placed on my credit. Once I contacted them- they added two more accounts to my credit. I was in the middle of financing when the company USCB America placed an account on my credit in the amount of $XXXX XXXXI wrote them a dispute letter immediately by way of certified mail and included a copy of my police report. I have been a victim of fraud. I knew it was not my debt.... according to my credit it says the bill came from Kaiser. I do not have XXXX for health insurance. I have XXXX XXXX and my wife has XXXX XXXX so I am double covered so to speak. Anyway, I have not heard back from USCB America in regards to the alleged debt and its been over 60 days.... now they have added 2 more accounts to my credit. They have my contact information because I disputed the first collection account, now they have added 2 more.
06/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55125	Web
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. I also filled out a financial application which they have lost through XXXX and the University XXXX XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX- XXXX. The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
08/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94952	Web
On XX/XX/XXXX I reviewed my annual report and saw THREE ( 3 ) items sent to collections by XXXX XXXX. XX/XX/XXXX {$49.00} XX/XX/XXXX {$87.00} XX/XX/XXXX {$170.00} I am someone who checks my FICO every month and reviews my credit report EVERY year and this has never showed up on my reports. I NEVER RECEIVED NOTICE OF THIS though they claim to have sent me 5 invoices. NEVER DID I RECEIVE A PHONE CALL to try and collect this payment. I have visited their facilities many times and NEVER WAS I NOTIFIED about an outstanding balance. HAD I KNOWN about this, it could have been avoided. Aside from this, THE DEBT COLLECTOR HAS NEVER CONTACTED ME TO TRY AND COLLECT THE DEBT!. I had to call them XX/XX/XXXX at XXXX PT to find out I owed money, only because I happened to see it on my report that same day. I have filed a dispute through XXXX and am waiting to hear back.
01/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95240	Web	Servicemember
On XX/XX/XXXX USCB reported three collection on my XXXX Credit Report for XXXX XXXX, a medical collection. They stated I owed balances of {$150.00}, on the first collection, {$350.00} on the second collection and {$120.00} on the third collection. I was just started a XXXX XXXX XXXX and was declined credit multiple times shortly after with reasons stating that there were multiple collections on my credit report. I contact USB quickly and explained that I do not owe XXXX and money and in fact paid the balance owed to them in full on XX/XX/XXXX see attached payment receipt. This XXXX balance is proof that all my medical bills including my wife 's bills, my children 's bills are at a XXXX balance. They are on my medical plan. This is not the first time XXXX has tried to do this. They did it last year right about the same time, and that time I had deal with it.
11/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90035	Web
The company XXXX is trying to charge me for a debt that I paid for services from XXXX XXXX I received a year ago. This debt was quickly turned over to them and they collected it from me. Now they are claiming that somehow another amount was never paid even though they confirmed earlier this year that I had paid off my debt with them. This all took place at the end of XX/XX/XXXX and beginning of XX/XX/XXXX, when I started receiving XXXX due to losing employment for medical reasons. I called them on the phone today XX/XX/XXXX to talk to someone about resolving the issue. They told me that it didnt matter what I said, I still owed them the money. They didnt offer me any chance or way to prove that I paid the debt off in the beginning of this year. Instead of offering to allow me to research the issue they demanded payment and threatened to ruin my credit.
08/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95823	Web
XXXX XX/XX/2021 USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX To whom it may concern USCB AMERICA Has failed to respond to my debt validation request. They are in violation of FDCPA laws by not contacting me through mail per my request. They have been harassing me plus they have recently put an inaccurate non validated debt on my credit report that I was never aware of. I have filed a complaint with the consumer financial protection bureau as well as the XXXX XXXX XXXX.I have contacted my lawyers they will also be sending you letters to take this matter to court because they are violating HIPAA law I have contacted USCB America and it has been 30 days. I have contacted this agency on 3 occasions and I have not received anything in the mail to validate this debt. Sincerely, XXXX XXXX
04/21/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OR 97206	Web
I received a medical bill, but missed the original letter in the mail while I was traveling. I later received a text message with a link to a website where I could pay the bill, but I initially passed off the message as being a potential scam and ignored it. The debt was sent to a collections agency. When they called me, the collections agency required me to provide personal information, such as date of birth, before they would provide any details about the debt over the phone. This made it impossible for me to verify that they were trying to contact me regarding a legitimate debt without providing personal information and risking identity theft. Even though I possessed a letter with a " Reference Number '', the phone representative would not accept this reference number as verification and continued asking me for personal information.
01/23/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 95112	Web
I have received several 'robo calls ' from USCB in regards to a debt that they purchased from the XXXX XXXX Medical Foundation . When they call it does not connect to a live person but instead plays an automated message from someone identifying themselves as XXXX XXXX. The message is as follows. This message is for [ Last name ] [ First name ]. If we have reached a wrong number please call XXXX. If you are not [ Last name ] [ First name ], hang up now. If you are [ Last name ] [ First name ] continue to listen to this message, but not in the presence of others as it contains personal and private information this is XXXX XXXX from XXXX XXXX. This is made in attempt to collect a debt... I have received this call four times within the month. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
11/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55105	Web
I went to the urgent care for a possible hernia. The event occured at work but the billing did not process it through worker compensation. I went to XXXX permanente office in XXXX to resolve the issue and submitted the proper paperwork in person where I was assured the issue was resolved. A balance still appeared on my account when I inquired with billing team they assured me again the issue has been resolved. I did not receive any bills for this balance until I switched insurances and moved to a different state. When billing approached me about the balance I explained to them that the balance was in error and I was assured by their representative that the balance was in error. They did not take any action to resolve this issue. They passed this balance onto a debt collection agency without any communication.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90301	Web
This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this BIG problem.
05/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
Last week I received a call from a collection agency for a debt they said I had with XXXX XXXX XXXX from XXXX. Because I did n't know if this was a scam or not, I told them to send me something in writing. On XXXX XXXX I received a bill from USCB America requesting {$450.00}. I was able to confirm with my current HMO XXXX that I was not under XXXX in XXXX and XXXX. I believe I was under XXXX during this time, but I do n't have any records related to an outstanding invoice or any XXXX correspondence. If the bill was for XXXX and I stayed with XXXX through XXXX, any outstanding bills would have been paid. I would like the CFPB to help me with this request as I do not believe it is valid. There is no proof of an outstanding debt and most of all, why did it take so long for them to contact me if it is valid?
11/02/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94533	Web
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows.
07/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85021	Web
Hello, I was contacted in XXXX to pay a medical bill ( I believe my RevSolve, thats how it shows up on the bank statement ). I made a payment then, but at that time I hadnt received any type of letter informing me I owed the debt or that they were actually collecting on it. I informed them I could only make one payment at the time because of Covid but asked them to send me a letter so I could contact them, and informed them I was moving and they didnt update my address. They didnt contact me for a little while and then come XXXX I get a lot of calls. I still hadnt receive any letters. My wife updated the address after paying the bill, asked for a letter to be emailed on XX/XX/XXXX saying it was payed in full and was told it would be sent on XX/XX/XXXX via email and still nothing. Thank you,
07/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95687	Web
Original Creditor - XXXX XXXX ; Collection Agency - USCB America ; Account Opened - XX/XX/XXXX ; Balance - {$130.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX, which the creditor stated they would reply to directly via mail, but I have NOT received any response. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91786	Web
USCB America is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt, I called and paid it immediately. I was very confused about this debt because I had no idea it even existed. I never received any calls, notices, or letters about this debt which violates my 30 day right to dispute. Not only did they fail to notify me for one of the debts but TWO. How does this happen? After paying and giving them some time to update I check my credit again to find that the debt is still being reported. This is ridiculous!!! I don't understand how this company can add these items to my credit without notifying me and continue to report debt when I have paid them. This is erroneous and ridiculous. I need this removed from my credit file IMMEDIATLY.
05/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94112	Web
A collection agency, USCB AMERICA, is trying to collect an alleged debt I owe to XXXX XXXX in California. I expressed my desire to settle the debt it had been provided and was a justifiable charge. These would be the same requirements I need to submit to my insurance company in order to be reimbursed in a timely manner. No proof or document has been provided so far. All I receive is an incessant bill in the mail that includes interest on the alleged debt. I am not refusing to pay but I need to justify and prove to my health insurance carrier, in a timely manner, that I need to be reimbursed for the medical expense. I am 80 years of age and I am having difficulty getting the proof I need. I have written my healthcare providers and have not heard from them either. Please help.
05/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30115	Web
I have received several letters from USCB America regarding a medical debt that was incurred by my adult stepson. He is currently XXXX XXXX XXXX and was XXXX at the time the bill was incurred. I received another letter from USCB last week and I called today, XX/XX/2023 and explained again that this is not my debt. The representative told me that I still owed the debt because he is on my health insurance. I told her that I did not sign anything guaranteeing this medical debt. I was not even at the hospital when my stepson was admitted. The representative told me that I am still responsible for the debt. I told her that I know that I am not responsible and I asked to dispute the debt again. I have already disputed the debt with them two other times. But they keep pursuing me.
05/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94928	Web
UCSB American is ( collection name ). I applied credit card citi bank on XXXX first 2020 I got denied. . I didnt know UCSB XXXX reported negative bills on XXXX XXXX to credit Bureau. I called collection that what is going on : A, been told that the debt has been 10years old and was this debt on desk that long. B, I feel violated my right that I didnt received 30 days writing notice while shelter in place and by the way I was self-isolated too C, I feel harassed because on the phone with UCSB on XX/XX/220 been told Good luck With big Laugh I called XXXX been told this is 10 years old account with XXXX balance. So why this agency harassing me and not fair to me also why now while shelter in place and struggling people with jobs and lost with loving ones, this not fair.
08/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94591	Web	Servicemember
Sometime around the end of XXXX of 2021, I received a notification that there was a Collection placed on my credit file. I received no communication from USCB by mail or phone notifying me of the alleged debt and my right to dispute until after I contacted the company. Only after I contacted the company via phone requesting a dunning letter, they sent one. I responded to the letter and they received it on XX/XX/2021, and have failed to provide me with the written information I requested within the timeframe of 30-45 days. It has now been 60 days and I have yet to get a response. I have sent them another letter asking them to delete the collection from my credit file because they were unable to verify the alleged account and have not responded to my request.
01/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85286	Web
In XX/XX/2019 I had an observation stay at XXXX XXXX. A month later I received a bill from the hospital for {$5000.00} and I realized that they didn't charge my secondary insurance, only my primary. I called the hospital on 2 different occasions and provided them my secondary information to run. In XX/XX/2019 I was sent to collections for the full amount of {$5000.00}. I contact RevSolve, who is the collection company handling my account and explained the situation. They acknowledged that only the primary was charged and said that I was still responsible for the full amount, even though it is the hospitals fault for not running my secondary. They refuse to correct the situation and continue to try to collect {$5000.00}, which they acknowledge is incorrect.
08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87108	Web	Servicemember
The debt attempted to be collected and affecting my credit is for a bill due to an ambulance service being used. At the time I was picked up by the ambulance I had and still have XXXX coverage. I attempted several times to contact the collection company and they refused to allow me to provide documentation proving XXXX coverage at the time of service provided or assist in getting it paid by my XXXX Were extremely rude and I felt they did not do anything but try to bully me into paying it. I've disputed multiple times and they refuse to remove from my credit. I should not be responsible for a bill/charges that were incorrectly billed by the hospital, when I had valid medicaid coverage that would have paid the bill at the time services were provided.
03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97070	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92407	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
09/22/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 76137	Web
Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. XXXX. UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( XXXX ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 86314	Web
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response, the company simply stated the dispute is " valid '' and sent s medical bill statement which also provided a zero balance due as well as it stated directly on it, that it is fact not a bill but a statement for my records, however the balance even states {$0.00}.
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80020	Web
A collection account for {$1300.00} appeared on my XX/XX/XXXX and XX/XX/XXXX credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, Revsolve. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and XX/XX/XXXX who both ruled the collection account was valid. I have received no information from XX/XX/XXXX, XX/XX/XXXX or Revsolve as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at XXXX point valid, it has been illegally re-aged on my credit report.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
06/02/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91364	Web
Despite filing a previous CFPB complaint XXXX XXXX XXXX continues to 1. Call me after I revoked consent to do so. 2. Called me after I told USCB I am represented by an attorney. 3. After I told USCB that if they did call that I did not want to be recorded, but did it anyway. 4. I also told them to not use pre-recorded messages when calling yet they call and leave voicemails with one on my cell phone. I want this harassment and abuse to stop right away and I want USCB to contact my attorney listed below ASAP before the end of the day Monday. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
08/12/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85388	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95206	Web
This company has clearly violated my hippa rights! The criminal penalties for HIPAA violations can be severe. The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. HERE ARE THE HIPAA Violations Impermissible disclosure of protected health information, or PHI. Unauthorized access of PHI. Inappropriate disposal of PHI. Failure to conduct risk analyses when appropriate. Failure to correctly manage risks to the confidentiality, integrity, and availability of patients ' PHI. XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX
10/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92078	Web
On XX/XX/2021 I went to the XXXX XXXX to get a XXXX XXXX and they sent me to 5 different places in the hospital for a simple XXXX XXXX I was being told that my insurance would cover this cost, If i were to pay the copay. I paid the copay and never received a bill, letter, call or an online notification saying that I needed to pay more. 6 months later I received a letter from a debt collector saying that I owe money and now I need to deal with a company called USCB that they do not even have an email address on their webpage. I called multiple times XXXX on XX/XX/2021 to get an answer but they kept transferring to a different departments and finally they transferred me to a fax machine.
09/18/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92040	Web
USCB AMERICA is sending letter stating that I owe a debt that is not validated. Without any valid proof of contract. Which is in Violation of 15 USC 1692b ( 2 ). USCB AMERICA is threatening to submit negative report to the credit reporting agencies, which is a threat to take an action that can not be legally taken. Which is a Violation of 15 USC 1692e ( 5 ) USCB AMERICA is willfully using threats to harm my reputation by threatening to submit negative report to the credit reporting agency. Which is in Violation of 15 USC 1692d ( 1 ) On multiple counts USCB AMERICA violates 15 usc 1692b ( 5 ) by willfully including logos/symbols and other language in the content of the communication
02/10/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 91201	Web
This debt should not be on my credit. the new law exempts medical bills from posting on credit files that are under {$500.00}. there is no Account number listed to verify. this only reporting on XXXX does not report accurate on other agencies. Please remove from credit file or i will sue. i have posted a copy of what is stated on my report. XXXX XXXXXXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX Agency Name Uscb America Date Assigned XXXX XXXX XXXX Original Balance {$270.00} Current Balance {$270.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
04/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93105	Web
I was insured by XXXX XXXX until XX/XX/XXXX. I paid all premiums, copays, and bills received and was paid in full at the time when I switched insurance carriers. I received a debt collection notice from a third party, XXXX XXXX, dated XX/XX/XXXX, claiming that I owe {$250.00} to XXXX XXXX and that I could settle the debt for {$62.00}. As I did not owe any premiums and had not even used XXXX 's services in months at the time when I concluded my insurance with them, and, as it was not mentioned to me on the phone with XXXX when I closed my account, this appears to be a fraudulent charge. I am wary of providing any further information to this company regarding this alleged debt.
09/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90740	Web
XXXX XXXX XXXX XXXX charged me instead of the insurance company as the notes even said " insurance/billing information not provided '' and now UCSB debt collection agency is trying to collect this XXXX $ amount that should have been paid by the insurance company in the first place, but was not due to an error made on the medical providers part. XXXX XXXX said I owe them for 'deductibles ' but this seems to be the same point in time my insurance was not billed adequately from lack of unknown information. XXXX XXXX did not try to resolve this issue with insurance and rather sent this phony debt to UCSB collections, who have constantly bombarded me with weekly phone calls.
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 91367	Web
XX/XX/XXXX {$270.00} {$75.00} I was told that my company XXXX XXXX XXXX would be paying my workers compensation. They were taking care if it, but then fired the current XXXX. a new XXXX. came in I passed the information to him. Then he quit 2 months later and it never was taken care of. They hired a new XXXX. he and the president both said they took care of it. I spoke with corporate and they said they took care of it. Though today XX/XX/XXXX I received an email showing I have a Dragatory late payment for the bill that was supposed to be paid through my company I was working for at the time. The company did not pay the bill, and it had gone into collections.
01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94582	Web
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! To my knowledge Ive paid all the bills correctly with my medical provider. In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94553	Web
Between XX/XX/XXXX and XX/XX/XXXX I'm XXXX XXXX received a debt collection letter from uscb America stating I owed a debt of {$88.00} I had no knowledge of this debt. I responded to these allegations XX/XX/2023 uscb America was in receipt of my response the same month I have a certified receipt showing proof in accordance to us code 15 section 1692 g I demanded a hard copy of the original signature for validation I received some type of document with a signature that does not belong to me further uscb America is in violation of the HIPAA by furnishing documents of my past visit to XXXX I have documents that XXXX furnished to me as proof.
01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94582	Web
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! To my knowledge Ive paid all the bills correctly with my medical provider. In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
05/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94110	Web
Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94605	Web
My compliant is against USCB XXXX for reporting incorrect information on my reports. They keep reporting some accounts that are not accurate. Let this serve as a formal request for investigation for some incorrectly reported and invalid items which do not belong to me, were found on my credit report. I want my financial freedom back and it is my right to have your assistance. I've done the hard work, checking accounts against records and have made notes specific to each account, your job is simply to fix it. Im attaching a copy of a sc-100 as a last resource for this company to remove all accounts from my reports.
06/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85257	Web	Servicemember
I cqalled to settle debt and was on hold for multiple hours not only did they change the amount with every call transfer ( Which is not proper busniess pratice ) I EVENTUALLY settled and paid debt off XX/XX/18. I'm in the process of purchasing a home in the escrow final stage process. I need proof of payment .I have recorded all my phone conversations with the company based on the horrble consumer reviews reported by others. By law I'm entilted to proof of payment within 7 days. I have contacted multiple law firms regarding this matter and have picked XXXX XXXX to represent me if this compalin is not resloved.
10/08/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 916XX	Web
Hello, I received a letter in the mail about a medical debt from XXXX for a bill that I called and spoke to them about. I have an email from XX/XX/XXXX saying that I could set up payment plans and now the debt has been sent to USCB debt collection. I was told specifically on the phone that medical billing does not incur interest or go into debt collection. This is damaging to my credit and I did not receive a notification or any calls that the debt was going into collection. I've reached out to XXXX about this since receiving the letter through email but I would like this taken out of collections.
05/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95377	Web
Hello, I am writing to dispute a collection reflecting on my credit report. Creditor : XXXX XXXX Amount : {$190.00} Date Opened XX/XX/XXXX This shows it's a debt for a medical payment. I do not recall this payment and was not notified of this bill until I pulled my credit recently. I have called this creditor to get this resolved but they can not guarantee this can be removed. I would like to request this debt to be Removed from my credit report. Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. Thank you, XXXX XXXX
10/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10461	Web
On XX/XX/2019 I was involuntarily given an ambulance ride and stayed overnight at XXXX XXXX hospital. They neglected to properly take my insurance information and billed me as a XXXX patient. I was fully insured by XXXX XXXX as a Department of XXXX XXXX in XXXX XXXX XXXXXXXX. I have since called my insurance company 3 times to settle this. They have assured me that they have handled it with the hospital and I do not owe any money whatsoever. I have continued to receive calls and mail from USCB debt collection agency asking for payment ( XXXX dollars ) on this " delinquent account ''.
09/09/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78634	Web
I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. All Medical visits was paid by ex employer XXXX. XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. I had a Medical number with XXXX California # XXXX. I am on XXXX XXXX Lifetime and Retired. I am on Prescribed Medications for my XXXX XXXX.
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94603	Web
On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94603	Web
On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94603	Web
On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
06/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85257	Web
I paid debt in settlement offer XX/XX/2018. I'm currently in the final Escrow stages of my home loan and need proof of payment. I have seen reviews on this company and the are horrible. Consumers reporting harrasing calls, requesting payments after debt was paid, lack of reporting to credit reporting agencies. As precaution I have recorded my phone calls with USCB for my protection for dispute .By law a Company/ Debt collector has 7 days to provide proof of payment. I have hired XXXX XXXX as my lawyer if this issue can not be resolved within the time I have requested.
02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20164	Web
To : USCB America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX USCB America with address above, is trying to collect {$100.00} plus interests from on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX. This bill was paid and collected by XXXX XXXX for a XXXX XXXX service made in XX/XX/2022. Attached is XXXX bill in the amount of XXXX and copy of the payment transaction collected by XXXX XXXX. USCB America must stop and cease any collection efforts immediately for this bill previously owed and already paid to XXXX XXXX.
10/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95831	Web
I have paid all my copayments and I told USCB America about that ; but they said that I still owe XXXX XXXX copayments. For example, I paid for XXXX XXXX and XX/XX/2020 services and I told them that I paid for every single service that I received. This business has sent bill to me and called me and want me to pay for these two services again. Please help me to solve the issue. XXXX XXXX XXXX asked the USCB America to collect the payments again from me even though I told both the XXXX XXXX and USCB America that I paid for every single service that I received.
10/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30019	Web
I received a letter from USCB America on XX/XX/XXXX about a collection I owed to XXXX XXXX Georgia in the amount of {$130.00}. I immediately started having a XXXX XXXX since I am set up on auto pay with XXXX XXXX every month and this months was the final ACH being drafted of only {$22.00}. I frantically contacted the billing department on Monday XX/XX/XXXX to inquire about the balance and they reassured me it was only {$22.00} and that my account was never sent to collections. I believe this a scam company prying on people and they need to be stoped.
03/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95125	Web
USCB America continues to report erroneous information to credit reporting agencies in violation of the FDCPA. I have contacted USCB several times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and they have not verified or removed the medical collection items from my credit report. This is causing HARM to my family as I can not secure credit. By not removing false information, they continue to be in VIOLATION of the FDCPA. I have provided USCB America with proof of my identity and have given them 30 days to verify the disputed debt, but they have failed to act.
05/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80021	Web
I have asked multiple times for the company to provide proof of debt owed and multiple times to provide proof of services rendered. RevSolve has not provided this at all and keeps pointing me back to the original creditor. When disputed in the past it was ignored and no additional information was provided. Since Resolve is not the original credit of this debt and can not provide this info it should not be on my credit. As RevSolve is a medical debt collection agency they need to provide proof they are following any and all applicable HIPPA Laws.
12/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92335	Web
USCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. This company collected a past due debt I paid off on XX/XX/20. They charged me more than the actual letter I received. I asked for explanation and was advised would receive a letter about it and also that I could request a paid in full letter. I have not receive anything yet. I called back and request made on XX/XX/20 second request made on XX/XX/20 and still not yet receive anything. There representatives are liars, assuring that I would receive this letter.
01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90250	Web
USCB America appeared on my credit report for the following dates : XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/XXXX - {$2900.00} I tried calling XXXX and they keep on hanging up on me unless I give them my social security number, address, and birthdate. Sounds like a scam. They don't want to give any information and it's damaging my XXXX XXXX. I refused to give my information so they just hung up on me. I put a XXXX complaint already but I need help in fixing this. Thank you!
03/04/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94547	Web
I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94531	Web
This account has been paid in full I tried to dispute online but with XXXX credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.
12/28/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NV 897XX	Web
On XX/XX/2020, Revsolve called me at XXXX XXXX. in my time zone. I filed a complaint. On the day they likely received the complaint, I was called 5 times in rapid succession by someone who blocked caller ID ; the person refused to identify themselves ( at which point I turned XXXX XXXX XXXX on ). The calls only ceased when I answered the phone and said, " I know who you are and I am filing another complaint, '' which indicates that this was both illegal retailiation and illegal debt collection practices from RevSolve Inc.
03/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78230	Web	Older American
USCB America 's client XXXX XXXX is trying to collect on a debt that was never billed correctly to XXXX XXXX XXXX XXXX Medicaid in NM. Had XXXX billed the debit in a timely manner, before they could not agree on a contract extension, it would have been paid by XXXX. This matter was closed in XX/XX/XXXX ( see complaint No. XXXX attached ) and any further action by XXXX XXXX is only to harass me for losing their case and being reported to the NM Office of the Inspector General and by CFPB reporting there actions the FTC.
07/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93021	Web
I had XXXX on XX/XX/XXXX. USCB has been calling me relentlessly, and I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX, as well as all procedures and costs in XXXX. This week I received a letter from UCSB with new and different amounts owed, however, I have still not received a detailed accounting of procedures, costs, and what was actually billed.
03/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94520	Web
I received a call today saying that I needed to pay that debt, and I told the Agent I'd already paid it directly to XXXX, and because it was paid in full, they were going to take 10 % off. The Agent said : " You can't do that, '' I said : " I did do that, and the money had been taken out of my account already. '' I told her that I am a banker and that she needs to stop telling people that we can not settle whatever amount we owe directly with the lender. That is a scare tactic and shouldn't be used.
04/20/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95138	Web
Our son got injured in the school premises. The school took full responsibility to pay for any bills. However, their insurance took a long time to payoff. So we paid off the USCB on time in order to ensure our credit does n't get affected. A few months later the school 's insurance company paid them the full amount. The amount was paid on XXXX/XXXX/2016. USCB has still not issued my refund till date. They refuse to tell me whats going on and keeps me holding the phone. I just want my money back!!
06/22/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20850	Web	Older American
Few years ago I used my XXXX XXXX out of town and paid all deductible amounts, etc. After one year, I kept receiving suspicious invoices from other people. I never responded and XXXX never charged me for any payment. Now after few years I got attached debt collector letter that I do not want to respond. I have an automatic payment account with same XXXX XXXX XXXX XXXX and they always draw out any money I owe them. Therefore, I do not want to communicate with other unknown entity.
01/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NM 870XX	Web	Servicemember
I discovered when I checked my credit files on XX/XX/XXXX an adverse collection action reported by Revsolve Inc. on behalf of XXXX XXXX for {$100.00}. This account does not exist. XXXX and XXXX reported the account was placed for collection XX/XX/XXXX. This information was first reported by XXXX XX/XX/XXXX, no information on when first reported by XXXX. I filed disputes on XX/XX/XXXX and the information was deleted from my credit report by XXXX the same day and by XXXX on XX/XX/XXXX.
06/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92407	Web
XXXX recalled this collection notice due to incorrect information. amount was paid so they recalled it from the collection agency. I called the agency collection they said it can take about 2-3 months remove off my report since I don't have anything showed or owed to them. They stated they will be sending a letter to me showing I have a XXXX balance due to agency since XXXX did the mistake and recalled it from agency. Please help me remove it from report. USCB AMERICA XXXX XXXX $
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90250	Web
I filed a complaint about USCB America previously and they responded by taking 1 out of 7 collection records out of my credit report. I need all other 6 remaining reports to be taken out of my credit report. They refused to discuss anything over the phone and they keep hanging up on me. The report number was COMPLAINT ID XXXX. The remaining dates and amount are the following : XX/XX/2020 - {$2900.00} XX/XX/2020 - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/2020 - {$75.00}
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77047	Web
LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
07/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94043	Web
I found out about the debt due to my credit report. I reached out to XXXX to get info about the debt. It was from XXXX. I did not know about it until now XXXX. When I reached out to the collector they said it has been with them since XXXX. It is for over XXXX dollars. They have not sent me once notice of collections. They have the correct address and information of how to contact me and have not tried once. Nor would they give me any information and told me to contact XXXX.
06/16/2016	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	CA 95125	Web
USCB IS AGRESSIVELY ATTEMPING TO COLLECT ON THE DEBT THEY POTENTIALLY OWN. THEY STATED THIS DEBTS ARE FROM XXXX BUT WHEN I REQUESTED XXXX TO VALIDATE THESE ACCOUNTS THEY WERE NOT ABLE TO FINE ANYTHING CLOSE TO THESE NUMBERS AND/OR UNDER MY NAME. I HAVE SERVED USCB WITH THE RESULTS OF MY FINDINGS BUT THEY FAILED TO RESPOND AND THEY ARE STILL ILLEGALLY ATTEMPTING TO COLLECT ON THE DEBT THEY COULD NOT VALIDATE OR VERIFY TO ME. THIS IS HURTING MY CREDIT AND FINANCIAL BEING
11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94565	Web
I have been trying to get a validation of debt request fulfilled for many many months with no success. USCB America has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete USCB from my credit report immediately. Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95330	Web
I have a loan with XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
02/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94591	Web
On XX/XX/2019, I paid off my account for {$170.00}. By the end of the same month, I was billed for {$180.00} twice. I called after a week to dispute the charge and was told that I will receive a check through the mail after 2 weeks. Its been 2 months and I still havent received anything. I called several times and was told that accounting department is already closed. My issue has not been solved and the agents that I spoke has not done anything about it.
06/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94085	Web
I received a letter in the mail stating that XXXX XXXX has sold my debt to USCB. I did not have any visit on XXXX XXXX XXXX which is what the debt collection agency is claiming that I have medical debt for. I checked XXXX XXXX and I do not owe any money to them as my insurance has covered the medical costs of last year and I have paid the rest already and these visits were in XXXX and XXXX of XXXX and not in XXXX XXXX as the debt collection agency claims.
04/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web	Older American
On XXXX XXXX, 2015, I received a demand letter for payment from USCB America for {$730.00}. I am disputing this debt of {$730.00}, because it has never belonged to me. I was a victim of identity fraud and are disputing this debt of {$730.00}. I have been receiving harassing phone calls from USCB on my employers mobile phone. The {$730.00} debt belongs to some one who used my information with out my knowledge. I will not pay a debt not belonging to me.
02/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95210	Web
I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
07/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39157	Web
Service for daughter was provided through Louisiana 's XXXX XXXX XXXX. We were repeatedly told that services and products were at no charge and a covered part of the program. XXXX XXXX - XXXX XXXX is charging us a fee for {$1200.00} and using the debt collection agency XXXX America to collect funds. I have reached out to both the collection agency and XXXX XXXX, neither will return calls or explain this charge. USCB Reference Number XXXX
05/26/2016	No	Debt collection Medical	False statements or representation Impersonated an attorney or official	CA 95125	Web
ILLEGAL COLLECTION. Debt validation was requested from USCB but all of the attempts to get ahold of this company went ignored. However, they keep harassing and calling at inappropriate hours threatening to arrest and garnish wages if not paid but they were never able to validate the debt or to confirm they have the right person. this must be stopped and they need to stop reporting these illegal collections to my credit report immediately
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NM 87031	Web	Servicemember
In XXXX I had 2 accounts placed in collections with Revsolve. These accounts were taken off my credit report sometime in XXXX. I believe it is these same accounts that showed back up on my credit report one for {$380.00} and one for {$180.00} with an opened date of XX/XX/XXXX. If this is not the same accounts this is fraudulent and do not belong to me. If these are the same collections from XXXX the opened date should not be XXXX XXXX.
12/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95205	Web	Older American
I have been making payments on a medical dept to USCB America. The dept does not appear to be going down. They said it was because of the interest that I am paying. I requested a copy of their interest policy. The representative said they do not release that information. I said " if I am paying it, I have a right to know what it is '' again the representative denied my request. This occurred on XX/XX/2023. On a Recorded line.
05/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 553XX	Web
I requested they send me everything they have from centracare to validate the debt and to also make sure certain Hippa protected information wasnt sent to them also as part of the collection. I have not heard a word back from them. They are in violation because they have not sent me requested information. Also my last name changed after the service was performed at XXXX. It was Theis and now its XXXX, I divorced last may.
12/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90025	Web
USCB America is attempting to collect a debt owed to XXXX XXXX. I settled the debt directly with XXXX XXXX on XX/XX/2020 for {$120.00}. However, USCB America claims that the debt has not peen paid and is attempting to collect for an increased amount of {$220.00}. They have attempted to collect this already-paid debt by mail and by phone. The latest phone call was on XX/XX/2020. Please see attached XXXX XXXX receipt.
03/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 920XX	Web
USCB hit my credit with 8 collections ranging from {$15.00} to {$2900.00} - all from XXXX XXXX. These debts state that they were from 2015. I have not received a single piece of correspondence from XXXX nor USCB regarding these debts. These 8 collections dropped my credit score 40 points and could jeopardize an auto loan that is currently in process. These collections need to be removed immediately as they are incorrect.
03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Repeatedly getting phone calls from number XXXX with no VM. Looked it up it is another company who collects for XXXX. Have confirmed Via XXXX financial with a complaint thru this website that NO DEBT IS OWED. AND WITH XXXX. XXXX has told me there are multiple accounts with similar names/DOB 's to me living in California. I need them to stop bothering me please. XXXX is the phone number. Per XXXX company is XXXX XXXX XXXX
04/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 956XX	Web
USCB America put a collection on my credit for {$320.00} without contacting me. Never received anything in the mail or a phone call. It just showed up on my credit report without notice. Obviously i would not destroy my credit over {$320.00} and ruin my perfect payment history. This company is shady and dishonest. I tried to dispute the claim based on these facts and they still will not remove it from my credit report.
05/18/2019	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 Was not notified of investigation status or results	CA XXXXX	Web
this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something
11/17/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 90068	Web
I've called many times to resolve this apparent medical debt from a XXXX. They literally have never called me back. They call almost daily in a robocall that my phone captures and if I answer, they put me through to someone who hangs up on me. I'm gaining interest on this " debt ''. I looked up the company, and they are accused of terrible practices and fraud all over the internet. I hope they burn for this stuff.
01/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web
I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
12/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94531	Web
Received letter from debt collector in the mail on XX/XX/2023 Responded and sent debt validation letter on XX/XX/2023 by certified mail. They received on XX/XX/2023. However, they keep calling me and telling me to make a payment without validating the debt as of XX/XX/2023. Its a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 93309	Web
I have try to settle this with USCB and they wont do a paid for deletion even though I should have never been sent to collections. I NEVER received a bill from XXXX. I was willing to settle this but now am just mad that USCB is fighting me on this. I feel this should be settled and deleted off my reports since this was not my fault and if i would have got a bill I would have paid this would not be happening.
07/28/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 91423	Web
I just realized XXXX separate transactions from 2020. One is around {$400.00} for my health insurance with XXXX but another one that happens to be the same day was fake. I called and checked with XXXX already that I didnt owe them any debt. Also, the number appear one the statement is a loan company. I paid using the app or web site Im not sure sure Im sure I have no idea how they showed up the same day
04/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92508	Web
By phone conversations we have tried to get the itemized list of care made. The initial bill was over {$1400.00} seen XXXX XXXX for few minutes not given any medications or nor procedures had XXXX XXXX so how come it was so much. Was not able to resolve with them made several attempts. Also we gave our CC information because we were told had to set up on auto pay to pay off before it could be resolved.
07/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I received a letter last week from USCB XXXX, attempting to collect on an alleged debt owed by me to XXXX XXXX XXXX in teh amount of {$15.00} plus interest of {$2.00}. The service date referenced was XX/XX/2018. I did not even live in XXXX XXXX at that time, and I believe I had already switched insurance. I was never sent a bill for this in the past, as I would have quickly paid a {$15.00} bill.
08/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94806	Web
I have attempted to contact this company regarding three debts that showed up on my credit report. Its time someone said they would send me information. I have yet to receive information and its been over three months since I talk to the last representative. I need to find out more information about these debts, If they are in fact mind I would like to settle them. I am currently unemployed.
09/30/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
I am constantly receiving calls from this company about a debt I know nothing about. I have requested they stop contacting me because they call before XXXX Now I have received a collection notice that states they have not heard back from me and the unknown debt of mine is steadily gaining interest. It appears to be for a hospital bill when I have double coverage and I am a recipient of XXXX.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92584	Web
USCB America has added a collection account to all three of my Credit Reports when the the debt is not mine. The original account belongs to XXXX XXXX and I am still a member. The last payment that I made to XXXX I have attached and it is a total of {$1000.00}, which brought my account to {$0.00} with XXXX. This Collection agency is reporting an incorrect amount that I do not owe.
01/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94134	Web
While checking my credit reports on experian I noticed two medical collections that do not belong to me. I sent two debt validation letters for each account to the company and both letters were received on XX/XX/2021 and signed for by an XXXX. But since receiving the update from XXXX that both letters were delivered I haven't received any proof or even a response from the company.
09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90062	Web
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
07/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92335	Web
2017 my medical Insurance was suppose to cover my whole procedure. XXXX did not let me know that on the day of the procedure, it was not going to cover since my medical Needed to be renewed because it had expired. XXXX still proceeded and charge me without my consent. The company I owe then came after me telling me that I owe when I Wasnt aware about my medical Been expired.
12/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I had XXXX insurance and the medical staff said that the procedure is covered by insurance. XXXX went ahead and charged me for the full amount. I was told that it is covered by the insurance, but the billing department refuse to make the adjustment. I accidentally paid one of the bills, they refuse to refund it because they said it was a owed. Very dishonest with billing
08/06/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94063	Web
I went to the hospital and was charged for services which the insurance paid all but {$11.00} of the bill. Hospital mailed bill to the wrong address two or three times so we didn't receive the bill then the hospital sent the bill to the a collections company. Collections collected the full amount of the bill instead of charging us for the {$11.00} balance.
08/17/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91340	Web
This debt was for a XXXX co-pay. The original amount of the debt was {$270.00}. I was charged {$350.00} dollars by the collection agency when I paid the debt in full. They claimed it was interest but I was never notified that there was interest being collected for this medical debt. I told them this debt was owed due to hardship from XXXX XXXX loss of work.
06/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93550	Web
I received notice from several credit monitoring agencies that the USCB debt collection company has reported about a negative collection account in my name in the amount of {$100.00}. I have not received any notices from USCB and I know that the company has my address because they responded to a complaint I filed in 2019 and my address has not changed.
04/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	HI 96816	Web
On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty plus attorneys fees and costs.
10/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95206	Web
On XXXX XXXX XXXX, I received a collection account entry on my credit report from USCB America, regarding a debt. I contacted the company to inquire and request written communication and a chance to dispute the debt. I did not receive any written communication or phone calls or a chance to dispute debt before it was entered on my credit report.
07/29/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93551	Web
USCB AMERICA keeps reporting multiple collections accounts on my credit bureau for an invalid debt. The amounts are due to accounting and billing errors by XXXX after a XXXX. I paid my copayments and deductibles and the reported amounts are due to billing/accounting miscalculations. Now USCB is reporting the info under four different accounts.
04/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94577	Web
This bill was already paid and it was set up as autopay. I dont see any amount I still owe from XXXX XXXX they have to send this to the collection! If I was paying them through autopay! I am trying to build my credit to buy a house! Then this happened! So my credit score will definitely go down!!!! If I have a lawyer I will sue them!
07/06/2018	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	CA 943XX	Web
USCB REPORTED 17 NEGATIVE COLLECTIONS ON MY CREDIT REPORT FROM XXXX THAT WERE CHARGES FROM 2011 AND I NEVER RECEIVED BILLS FROM XXXX. XXXX STATES THEY DO NOT HAVE OPEN PAST DUE ACCOUNTS IN MY NAME HOWEVER USCB THREATENING TO FILE A SUIT, CALLING MY WORK, MY EX-SPOUSE AND HARASSING CALLS AT XXXX AND AT XXXX ISN'T THIS AGAIST THE LAW? ...
10/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94806	Web
Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment.
02/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92120	Web
XXXX XXXX USCB XXXX calls frequently. To the point I feel harassed. I have no outstanding payments due for anything- so I can not give you any such information. Upon researching them I have found numerous complaints about them. Many very similar to my experience. I would like the calls to stop and for them to cease and desist.
02/25/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92025	Web
USCB America has called me multiple times per day from multiple 855 area code phone numbers. If I answer, I get a robocaller message. If I don't I get the same automated message with the only option to call some 800 number. I actively monitor my credit report and owe no debt that is in arrears. I would like this harrasment to stop.
06/26/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 93906	Web
I have been repeatedly contacted by USCB America for medical debt. In 2021, I suffered from a XXXX XXXX XXXX and was misinformed about my insurance coverage as it was an emergency situation. Eventually USBC America kept calling me repeatedly since 2021 and onward. I am trying my best but I am a college student with little income
09/10/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80911	Web	Servicemember
RevSolve Inc keeps calling me at work, after being repeatedly told not to call during those hours. They have been extremely aggressive and disruptive in their tactics, even suggesting that upcoming XXXX is a ploy to avoid paying. I REALLY need them to quit disrupting me at work. I can provide call recordings if needed.
09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95112	Web
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
06/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95380	Web
Dates : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, ongoing Amount : {$1000.00} On XX/XX/XXXX I sent a letter to the company to identify why this collection account appeared on my credit report. On XX/XX/XXXX, XXXX XXXX from J & L Teamworks received the letter via certified mail ; however, to date I have received no response.
03/14/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85323	Web
My hippa rights were violated. Resolve inc sent me debt validation with my medical information on it including procedures and medicines. My mother in law opened my mail and saw all of my information as well. They have no hippa disclosure included in the letter and I have never signed any type of hippa release.
03/27/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 956XX	Web
I have no idea who they are, why they are calling or anything about any debt I owe. I have already filed a complaint about this at which time they claimed to be validating the debt. To date I have not seen one peace of proof that I owe anything, who I owe it to or why they are sending repeated robocalls.
12/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90815	Web
I recently disputed a medical collections account that is currently only showing on my XXXX report. This account was supposedly from my medical provider but now another company is " representing '' them. I believe that this company having access to my information is a clear violation of my HIPAA rights.
10/06/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85226	Web	Older American, Servicemember
XXXX XXXX XXXX XXXX Creditor ID : XXXX Was x-rayed for falling on shoulder. This was approved by the VA and they will pay. But they are trying to collect from me. This has happened before and they submit the bill to the wrong VA site for payment. I have told them the correct site but they don't get it.
06/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94589	Web	Servicemember
There is no information about this account and it appeared on my report, they have never tried to contact me and are in HIPPA violation. The new law states that it has to be 180 day late and I have no outstanding medical bills ever received. So I do not even know what this is about.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91709	Web
For the last 60 days I have been trying to obtain information about my credit reporting without success. I am trying to validate the debt reporting from USCB America & XXXX XXXX. Please provide me an itemization showing proof and accuracy that USCB America & XXXX XXXX belong to me.
09/28/2020	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 Investigation took more than 30 days	AZ 85138	Web
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
08/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94521	Web
Just received a notification about a collection from XXXX XXXX on XXXX in the amount of {$160.00}. I have never received anything from this company and don't know who they are. I don't know what the debt is for and have never done any business with this company.
09/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94044	Web
USCB America account numbers XXXX, XXXX and XXXX collections have been paid and closed as of XX/XX/2020. I have new credit reports and USCB has failed to report that the accounts have been paid. Several attempts have been made to USCB and XXXX credit bureau.
03/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85035	Web
I have a debt collection reporting on my credit for an outstanding balance due to medical services. I have never had services performed with this particular network provider. Nor do I recognize the charges that were made. This information is completely false.
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95608	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95610	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
09/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 87144	Web
By the laws governing my state, the State of New Mexico, this company needs to be licensed to engage in their debt collection acitivities. They do not have a valid or active license in my state and therefore are unlawfully engaging in collection activities.
03/04/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91006	Web
They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). I have not received any postal mail regarding a debt going to collection status.
06/02/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94109	Web
The debt collection company sent me a statement charging me interest. I called the original creditor who said this was not appropriate and that they do not charge interest. I never agreed to be charged interest and there is no court judgment allowing such.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95610	Web
USCB AMERICA is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.
06/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92131	Web
USCB AMERICA is collecting {$2400.00} for XXXX XXXX XXXX. I have a medical health plan through my employer, and my XXXX online account shows there is no medical bill. I have not received any letters and messages from XXXX regarding this bill. Thanks
12/31/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93021	Web
XXXX XXXX failed to provide notice of debt for Medical Bills on behalf of XXXX XXXX. The address on file with XXXX didn't match the address the debt notice was sent. During this period incurred interest of XXXX. I request the interest fees be refunded.
07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94806	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95825	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
03/10/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 890XX	Web
This is Not my debit. I did Not have XXXX coverage the date I was billed. I spoke to a representative at XXXX who said she took care of the matter last year. I had XXXX coverage and I have Proof. I lived in Nevada also. So this is Not my bill
09/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97060	Web
I got a letter from USCB America about a debt that is not owed. The Doctor charged me twice for the same bill and my insurance paid the bill. They are still trying to say I owe it, but I was charged twice when I only aw this quack once.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94080	Web
I spoke with USCB AMERICA a few weeks ago and they claim that I owe them money since 2017. They can not provide me with original receipts nor correct info. This creditor never appeared in my credit report before and now its showing.
07/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92335	Web
2017 I had XXXX which medical was going to cover. On the the day of the XXXX my medical had expired and no one told me if I still wanted to proceed with the XXXX. I tried by calling them and they told me that I had to pay still.
09/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
11/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA XXXXX	Web
This is a collection agency. My medical bill was already written off by XXXX XXXX and I am even on a Medical Financial Assistance from XXXX. However, the Collection is still insisting that I pay them the medical bills.
07/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77479	Web
Happy XXXXXXXX XXXX XXXX I visited XXXX XXXX in XX/XX/2021 and after landing, went to XXXX and had food poisoning. XXXX was called and took me to a hospital, which was not covered with my insurance. Kindly help.
05/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92139	Web
Ive reached out to the company regarding the situation because at the time I was working and I dont understand why the situation is occurring because my insurance switched over and they said that it was taken care of
02/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92346	Web	Servicemember
3 Different accounts that are not mine : XXXX ( {$330.00} ), XXXX ( {$60.00} ), and XXXX ( {$75.00} ). I attempted to remove these items because they are not mine and because they violate HIPPA but they are refusing.
12/21/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NV 897XX	Web
Called at XXXX XXXX. on Monday XX/XX/2020. Also, claims I owe them over {$10000.00} when in fact, I have no such debt ( other than student loan debt and my car loan, both of which are current ) on my credit report.
04/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94124	Web
I have contacted USCB several times over the past year that the debt of {$70.00} was the result of identity theft. Police Report was sent to them. They were notified several times by phone and via letter.
02/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95758	Web
I checked my credit report and 3 accounts are there from XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX I've asked for VALIDATION of these accounts and only have received a bill stating that they are due
01/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85204	Web
I have XXXX XXXX XXXX has not sent me a statement regarding my claim for a XXXX I have provided all insurance information at time of service. XXXX does this all the time including a visit for my XXXX
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 925XX	Web	Servicemember
USCB America has reported I owe them for ( 5 ) Unauthorized charges of {$69.00}, {$270.00}, {$200.00}, {$51.00}, and {$67.00}. These charges were never authorized. Please help me to get this resolved.
08/01/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95020	Web
USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS
07/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92104	Web
I've just found out that 'USCB AMERICA ' has been reporting two accounts as collections on my credit report since 2016. I have never received a single call, nor any written communication from them.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95825	Web
I HAD PREVIOUSLY DISPUTED THIS ACCOUNT AND ASKED FOR DEBT VALIDATION BUT NEVER RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP.
08/24/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95070	Web
Ive been getting multiple calls a day from " XXXX XXXX from USCB to pay a debt. I do not have any debt at all. This is a scam trying to get our credit/credit card for thousands of dollars.
10/27/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 95687	Web
I have asked them to not call me before XXXX. They also call me during the weekend. I have received several calls for the past week during work hours. It is disruptive to my place of work.
12/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95835	Web
I made all my payments on-time, I never missed any payments. I called XXXX and they even confirmed I do not owe any balance. They can't tell me why they sent me to debt collections.
08/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 951XX	Web
On XX/XX/2022, XXXX was contacted and XXXX XXXX refused to provide proof to validate debts and refused to remove inaccurate, derogatory reports from credit bureau reporting
10/02/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95678	Web
debt reported on XX/XX/XXXX - {$3700.00} debt for unknown medical bill. tried to contact creditor and they could not tell me specific details for what ad when this was for.
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 900XX	Web	Servicemember
i don't know who this company is and they are claiming it's kaiser debt but i pay XXXX directly XXXX, i don't owe them any money as i have always been current with kaieser
07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95687	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94578	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95824	Web
I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
11/25/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90403	Web
Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.
04/20/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93726	Web
I RECEIVED A VOICE AUTOMATED PHONE CALL STATING XXXX XXXX IS REQUESTING FOR ME TO RETURN HER PHONE CALL IN REGARDS TO A DEBT THAT I OWE TO USCB AMERICA????
08/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80501	Web
The amount that I have been paying already is being handled by XXXX XXXX Senior Financial Counselor Revenue Management at XXXX XXXX XXXX XXXX XXXX XXXX.
02/23/2021	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	CA 91605	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
10/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 900XX	Web
I NEVER RECIEVED ANY COMMUNICATION FROM THIS COMPANY, I SPOKE TO XXXX AND THEY SAID I DONT OWE THEM ANYTHING, IM CURRENT. I WANT THIS DELETED
05/31/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91364	Web
USCB is constantly calling my cellphone multiple times per day using automated pre-recorded messages. I do not appreciate this harassment.
11/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90221	Web
date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.
11/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
I called and the representative said that this debt was from an emergency room visit. I have never visited the emergency room ever.
09/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94112	Web
Billed service date : XX/XX/2023 Paid off date : XX/XX/2023 directly to XXXX XXXX before being sent to USCB America XXXX XXXX
09/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web	Servicemember
I am a victim of identity theft since 2017. This company is trying to collect debt that is not mine. Nor am I aware of.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90002	Web
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
03/19/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SD 57103	Web	Older American
The debt was for bills that were the responsible party for a workman 's compensation claim through my employer XXXX.
08/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 76548	Web	Servicemember
My debt had been paid in full on XXXX XX/XX/2023 and I still received a debt collection letter saying I owe money.
09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95670	Web
The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92394	Web	Servicemember
XXXX XXXX/XXXX XXXX is listed on my XXXX credit reports and these accounts are inaccurate and were paid.
05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94533	Web
XXXX XXXX was placed on my credit file without consent when I had insurance at the time of billing.
03/12/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 941XX	Web
My attorney told this company to stop calling me. They still called my personal cell phone.
07/25/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 95380	Web
they never took my calls I tried to get in touch with them several times but no luck.
08/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91770	Web
I dont even know when I went to this XXXX and what the treatment was for.
07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91101	Web
I do not know where this debt came from. I dont owe XXXX anything.
03/23/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 94544	Web
This had been on my credit report more than allowed time.
04/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95391	Web
I have settled all my debts with XXXX XXXX.
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94303	Web
XXXX XXXX I never open account with them
05/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91101	Web
i do not owe this debt
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32092	Web

01/26/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44333	Web

01/23/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94568	Web

01/19/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90731	Phone

12/27/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 94578	Web

12/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97007	Referral

12/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92602	Web

12/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 220XX	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	CA 95391	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 12542	Web

11/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91604	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90019	Web

10/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94070	Web

10/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49503	Web

10/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93311	Web

10/10/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91709	Web

10/04/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91364	Web

10/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94541	Web

09/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97212	Postal mail

09/13/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98126	Web

09/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90047	Web

08/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54016	Phone

07/31/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 90066	Web

06/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95624	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 96793	Web

05/10/2023	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	CA 91505	Web

05/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87544	Web

04/23/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80134	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94561	Web

04/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79907	Web

04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75231	Web

04/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90715	Web

03/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94536	Web

03/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

03/27/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 90036	Phone

03/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95843	Web

03/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94804	Web

03/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55128	Web

02/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92618	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30305	Web

02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94545	Phone

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95204	Web

02/03/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85929	Web

01/25/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20613	Web	Servicemember

01/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80234	Web

01/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90003	Web

01/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94561	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94520	Web

01/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 20111	Web

01/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22209	Web

12/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94118	Web

12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94520	Web

12/23/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	GA 30329	Web

12/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94611	Web

12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94080	Web

12/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90813	Web

12/08/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95330	Web

12/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94019	Web

11/29/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94066	Phone	Older American

11/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94931	Web	Older American

11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95821	Web

11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95821	Web

11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95821	Web

11/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90047	Web

10/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36542	Web	Servicemember

10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90805	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90805	Web

10/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93063	Web

10/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94509	Web

10/04/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85118	Web

09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90011	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95124	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 95124	Web

09/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 20148	Web	Servicemember

09/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 20148	Web	Servicemember

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92551	Web

09/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91734	Web

09/08/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55128	Web	Servicemember

09/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97203	Web

08/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95842	Web

08/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76092	Web

08/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97062	Web

08/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93534	Web

08/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55406	Web	Servicemember

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20716	Web

08/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85383	Web	Servicemember

08/05/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85338	Web	Servicemember

07/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10467	Web

07/25/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 90015	Web

07/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95864	Web

07/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80906	Web	Servicemember

07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20904	Web

07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20904	Web

07/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

06/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20850	Web

06/20/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92084	Web

06/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31820	Web

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93309	Web

05/17/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 15207	Web

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92324	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 20110	Phone

04/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46543	Web	Older American

04/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20601	Web	Servicemember

04/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90025	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85546	Web

04/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 946XX	Web

04/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95441	Web

04/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90201	Web

03/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 99044	Referral

03/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89103	Web

03/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web	Servicemember

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94591	Web

03/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95758	Web

03/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 99044	Referral

02/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92336	Web

01/30/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93630	Web

01/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94132	Web

01/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80031	Phone	Older American

12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93550	Web

12/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22025	Web

11/16/2021	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	CA 94591	Web

11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20171	Web

11/11/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92040	Web

11/10/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OR 97211	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98105	Web

10/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94080	Web

10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95660	Web

10/18/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 95378	Web

10/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97213	Web

10/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91214	Web

10/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95625	Web

10/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95820	Web

09/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NM 87110	Referral

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94534	Web

09/24/2021	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	CA 94605	Web

09/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30317	Web

09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20147	Web

09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90502	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90805	Web

09/09/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92596	Web

09/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95758	Web

09/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94804	Web

09/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

09/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95815	Web

09/02/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	VA 20171	Web

09/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95757	Web

09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95821	Phone

08/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94530	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91766	Web

08/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90035	Web

08/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92596	Web

07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92240	Web

07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92240	Web

07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92240	Web

07/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92240	Web

07/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95054	Web

07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94605	Web

07/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95833	Web

07/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95833	Web

07/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95833	Web

07/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95833	Web

07/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

07/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

06/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 88005	Web

06/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91730	Web

06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

06/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95833	Web

06/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95747	Web

06/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

06/07/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90059	Web

05/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

05/22/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93610	Web

05/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85365	Web

05/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94536	Web

05/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

04/20/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97015	Phone

04/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 871XX	Web	Older American

04/17/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31779	Web

04/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90805	Web

04/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95687	Web

03/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NM 87110	Web

03/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94565	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90047	Web

02/26/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NM 87415	Phone

02/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90503	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92407	Web

02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85249	Web

12/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94806	Phone	Older American

12/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85008	Fax

12/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91350	Web

12/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90063	Fax

11/20/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90046	Web

11/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85044	Postal mail

11/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97078	Web

11/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95128	Web

11/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85378	Web

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95757	Fax	Older American

10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85345	Web

10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92570	Web

10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95624	Web

10/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92056	Phone

09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web

09/24/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92879	Web

09/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 54481	Web

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20744	Web

07/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Referral

07/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 47143	Web

07/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90805	Web

07/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85014	Web

07/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85295	Web	Servicemember

06/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92880	Postal mail

06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94061	Postal mail

05/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85019	Web

05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85014	Web

05/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 87110	Referral

05/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85282	Referral

05/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97222	Web

04/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92399	Web

04/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90028	Web

04/03/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94804	Web

03/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85295	Web

03/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94596	Web

03/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92336	Web

02/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85037	Web

02/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85259	Web

01/21/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94564	Web

01/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80908	Web

01/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30086	Web

12/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94804	Web

12/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92708	Web

10/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93550	Web

10/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 86329	Web

10/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94804	Web

09/13/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85260	Web

08/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85308	Web

06/11/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 91364	Referral

05/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 93105	Web	Older American, Servicemember

05/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94541	Web

04/16/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93534	Web

04/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95826	Web	Servicemember

04/01/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CO 80125	Web

02/14/2019	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	AZ 85281	Web

01/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NM 87109	Web

12/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94803	Web

11/21/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95128	Web

11/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95640	Web

10/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94536	Referral

10/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92122	Web

09/19/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls		Phone

08/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94105	Referral

08/28/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91945	Web

08/27/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90001	Web

08/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95409	Web

08/06/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95610	Web

07/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64055	Postal mail

06/22/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91979	Web

06/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95487	Phone

06/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Referral

05/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19082	Web

04/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

03/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28120	Web

03/20/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92336	Web

03/20/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92336	Web

03/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92336	Web

03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94591	Web

03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91767	Phone

03/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93552	Web

12/04/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95361	Web

11/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94563	Web

10/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94563	Web

10/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89503	Referral

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90712	Fax

09/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94619	Web

09/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92880	Web

08/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30252	Web

07/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95126	Referral

07/16/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94580	Web

05/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95821	Web

04/07/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95828	Web

03/25/2017	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95648	Web

03/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95811	Web

02/17/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90804	Fax

01/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 95821	Web

12/30/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92122	Web

11/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91789	Web

11/19/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93711	Web

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95758	Web

10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90005	Web

10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90005	Web

10/16/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95640	Web

08/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94080	Web

07/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95820	Web	Servicemember

07/08/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94062	Web

05/27/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21218	Web

05/26/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95377	Web

05/07/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91740	Web

03/19/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 95219	Web

11/25/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95123	Referral

09/27/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94014	Web

09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92019	Phone

08/25/2015	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95051	Web

04/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95240	Phone

02/25/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94606	Web

02/09/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90245	Web

02/06/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94606	Web

01/27/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 95602	Web

11/25/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 92103	Web

11/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90278	Phone

11/08/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 31501	Web

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94086	Phone

07/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 93535	Phone

06/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91342	Phone

06/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94920	Web

06/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94588	Web

06/10/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 94928	Phone

05/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95691	Web

05/23/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 94551	Web

05/13/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95682	Postal mail

04/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MD 20905	Phone

04/23/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 94551	Referral

04/22/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94041	Web	Older American

04/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95035	Web

04/10/2014	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 95901	Web	Older American, Servicemember

04/03/2014	No	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 95521	Web

02/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94558	Web

02/12/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93619	Web

01/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90033	Web

01/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 94954	Web

09/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90026	Web

08/06/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 90620	Phone

08/02/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 15009	Web

07/19/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 94549	Web