Updated on February 19th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against United Collection Bureau, Inc. (UCB)

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The following insights are based on consumer complaints submitted to the Consumer Financial Protection Bureau (CFPB). These complaints highlight critical issues regarding United Collection Bureau, Inc. (UCB)’s debt collection practices. This guide aims to educate consumers about potential violations, outline their rights, and offer actionable steps to address these issues under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

Key Complaints Reported by Consumers 

Failure to Provide Debt Validation

One of the most common complaints against UCB is their failure to provide proper debt validation upon request. Consumers reported that, instead of supplying the required documentation within the legally mandated timeframe, UCB continued collecting aggressively. This is a clear violation of the FDCPA, which mandates collectors to validate debts upon request.

Your Rights and Next Steps:

• Under the FDCPA, you have the right to request debt validation in writing.
• If UCB fails to validate the debt, file a complaint with the CFPB and consult a legal expert.
• Document all communication and maintain copies of your validation request.

Take Action:

If you’ve been denied proper debt validation, consider seeking advice from a legal expert or consumer protection attorney to assert your rights fully.

Incorrect Reporting of Debt to Credit Bureaus

Another widespread concern involves UCB incorrectly reporting debts to credit bureaus. Consumers noted that, even after proving they did not owe certain debts, UCB continued reporting these inaccuracies. Such actions can harm credit scores, making it harder to secure loans or financial opportunities.

Your Rights and Next Steps:

• The FCRA provides you with the right to dispute incorrect debts with the credit bureaus.
• File a written dispute with supporting evidence directly to the credit bureau and UCB.
• If the issue isn’t resolved, report the matter to the CFPB.

Take Action:

If incorrect debt reporting has negatively affected your finances, reach out to an attorney specializing in credit disputes for assistance in restoring your financial standing.

Harassment and Aggressive Collection Tactics

Many consumers have reported harassment and aggressive behavior from UCB, including frequent, high-pressure calls and disregard for requests to cease communication. These persistent tactics violate the provisions of the FDCPA, which protect consumers from harassment.

Your Rights and Next Steps:

• You can request, in writing, that UCB stops contacting you. Under the FDCPA, they must comply.
• Keep records of all communication as evidence of harassment.
• Report persistent violations to the CFPB or your state’s attorney general.

Take Action:

If you are experiencing harassment, seek guidance from a consumer advocate or attorney to stop unfair collection practices.

Unauthorized Use of Personal Medical Information

Some consumers allege that UCB unlawfully accessed their medical information without proper consent, especially in cases involving medical debt. This raises serious concerns about privacy violations and ethical practices.

Your Rights and Next Steps:

• The FDCPA prohibits the misuse of personal information during debt collection.
• If you suspect a violation, file a complaint with the CFPB and request a detailed account of how your information was accessed.
• Seek legal advice to ensure your rights and privacy are fully protected.

Take Action:

If your medical information has been mishandled, consult a privacy rights attorney immediately to address these violations.

Refusal to Remove Invalid Debt Claims After Payment

Consumers frequently report that UCB refuses to remove invalid debt claims from their credit reports, even after the debt has been paid or resolved. This failure to update credit reporting violates both the FDCPA and the FCRA.

Your Rights and Next Steps:

• After settling a debt, request a written confirmation and ensure UCB updates their records.
• Dispute the unpaid debt status with the credit bureaus with evidence of payment.
• If the claims persist, file a formal grievance with the CFPB and seek legal assistance.

Take Action:

If UCB fails to honor your payment agreements, speak with a consumer protection attorney to hold the agency accountable.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with UCB, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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