Business Profile
Collections Agencies
United Collection Bureau, Inc.Headquarters
Complaints
This profile includes complaints for United Collection Bureau, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 242 total complaints in the last 3 years.
- 121 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/16/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I receive calls during working hours, which I work at a secured facility that revokes personal phones during working hours. When I check, they call 8 times a day with more than 5 text messages a day as well. I have yet to receive any verification of debt or letter from this company regarding any debt owed and that they bought any of my debt. When I click links to review my account, it requests a reference number that isn't provided in their texts. No emails are sent to me regarding this debt, and other collections companies email or send letters prior to threats of garnishment or taking me to court. I find this suspect.
Business Response
Date: 03/20/2023
March 20, 2023
******** ********
BBB Complaint Department
Response Sent Via Web BBB: Complaint Management: ID #********.
Re: Consumer Name: ***** *******
Complaint Case Number: ********
Dear ******** ********,
UCB is in receipt of your correspondence for the above-mentioned case number. It is the policy of United Collection Bureau, Inc. to conduct all activities in a professional and ethical manner.
UCB mailed a collection notice of the account to the consumer upon placement in our office, however, it was returned undeliverable. UCB has notified Resurgent Capital Services, the servicer for the current creditor, of the request for the explanation of charges, and correction to the credit report. UCB has not purchased the account nor reported the account to any credit-reporting agency and is no longer handling the collection of the account.
If you have any further questions, please contact our agency at ************.
***** *********
Director of Client Relations
United Collection Bureau, Inc.Customer Answer
Date: 03/20/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** *******Initial Complaint
Date:02/22/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with Credit One Bank and Do Not have a contract with United Collection Bureau INC They are harassing me and violating my rights According to 15 USC 1692d section 806 a debt collector may not engage in any conduct the natural consequences of which is harass, oppress or any abuse any persons in connection with the collection of any debtBusiness Response
Date: 03/01/2023
March 01, 2023
******** ********
BBB Complaint Department
Response Sent Via Web BBB: Complaint Management: ID #********.
Re: Consumer Name: ****** *****
Complaint Case Number: ********
Dear ******** ********,
UCB is in receipt of your correspondence for the above-mentioned case number. It is the policy of United Collection Bureau, Inc. to conduct all activities in a professional and ethical manner.
UCB has notified Resurgent Capital Services, the servicer for the current creditor, of the customer’s claim of not being liable for the debt with Credit One Bank. Additionally, UCB has stopped collection attempts for the account per the customer’s request.
If you have any further questions, please contact our agency at 877-560-8724.
Sandi Arredondo
Director of Client Relations
United Collection Bureau, Inc.Initial Complaint
Date:02/03/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! UNITED COLLECTION BURE #******** 5620 STHWYCK BLVD STE 20 TOLEDO, OH 43614 (419) 866-6227 I will never stop filing complaints against you because I know my rights! In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.Business Response
Date: 02/09/2023
February 9, 2023
******** ********
BBB Complaint Department
Response Sent Via Web Site: ********************************
Re: Consumer Name: ******* ******
Complaint Case Number: ********
United Collection Bureau, Inc. Reference Number: ********
Dear ******** ********:
******* ******’s recent correspondence was forwarded to our Compliance Department for proper review and response. It is the policy of United Collection Bureau, Inc. to conduct all activities in a professional and ethical manner.
Thank you for bringing ******* ******’s concerns to our attention and allowing us the opportunity to review and respond to them.
******* ******’s account has been processed as fraud and United Collection Bureau, Inc. has initiated the removal of the above referenced account from ******* ******’s credit report. If ******* ****** does not see a change to their credit report after 30 days from the date of this letter, ******* ****** may contact our office at the number below.
If you should have any further questions, please contact our agency at 800-394-7542.
Regards,
********* *****
Compliance and Remediation Specialist
United Collection Bureau, Inc.
PO Box 140190
Toledo, OH 43614
E-mail: ************************
This is an attempt to collect a debt by United Collection Bureau, Inc., a debt collector, and any information obtained will be used for that purpose.Initial Complaint
Date:01/27/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Every Month for the last year this collection agency keeps calling me leaving messages that state they are serving me with papers I call back and they state I took out a payday loan over 10 years ago, which I never did. I tell them to stop calling but they keep calling and giving the same messages. I’d like for them to stop harassing me and also know it’s not my loan and the statute of limitations in Florida is way past due on whatever they are trying to collect on. I put an image of the voicemail in the attachments. Thank you.Business Response
Date: 02/10/2023
After a thorough review of our system, I do not have an account that matches the complainant information. I believe this complaint belongs to another agency that goes by a similar name. We also do not service pay day loans, which is the type of debt the consumer is referring to.
Regards,
UCB Compliance Team
Initial Complaint
Date:01/13/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have no idea why this company is calling my cell phone, not leaving any voice mails and is calling after 7am in the morning. First call Dec 2, 2022 at 829am, second call Dec7, 2022 at 942am, third call Dec 13, 2022 743am, 4th call Jan 9, 2023 at 856am and now 5th call Jan 13, 2023 at 709am. Never voice mail. I work nights and these calls are before business hours.Business Response
Date: 01/17/2023
January 17, 2023
******** ********
BBB Complaint Department
Response Sent Via Web Site: ********************************
Re: Consumer Name: ***** ******
Complaint Case Number: ********
Dear ******** ********:
Your recent correspondence was forwarded to our Compliance Department for review. Thank you for bringing the concerns to our attention and providing United Collection Bureau, Inc. with the opportunity to respond to them.
We placed calls to phone number ************ because we believed it to be the number for a person we are attempting to contact. Upon receipt of ***** ******’s request, we updated our records and ceased calling the number.
We apologize for any inconvenience that our calls may have caused.
Regards,
********* *****
Compliance and Remediation Specialist
United Collection Bureau, Inc.
PO Box 140190
Toledo, OH 43614
E-mail: ************************Customer Answer
Date: 01/17/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** ******Initial Complaint
Date:01/06/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
December 26, 2022 ****** ******
**** *** **** ******
DETROIT MICHIGAN REPUBLIC Near (*****]
UNITED COLLECTION BUREAU INC 5620 SOUTHWYCK BLVD
TOLEDO, OHIO 43614-0190
RE: UNITED COLLECTION BUREAU INC Reference No. ********
TO WHOM IT MAY CONCERN:
This letter is regarding UNITED COLLECTION BUREAU INC Reference No. ********, which you claim I owe $213.00. This is a formal notice of dispute.
I am requesting validation, made pursuant the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting ”validation”; that is competent evidence bearing cv signature, showing that I have or ever had an obligation to pay you.
Please also be aware that any negative mark found on my credit report (including Experian, TransUnion and Equifax) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA; therefore if you cannot validate the debt, you must request all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of $1,000 in damages per violation for:
Defamation
Negligent Enablement of Identity Fraud
Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8)
Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
1
2
Please Note: This notice is an attempt to correct your records, an any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election or waiver of status.
My contact information is as follows:
****** ******
**** *** **** ****** DETROIT MICHIGAN REPUBLIC Near: [*****]
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below:
CC: Consumer Financial Protection Bureau CC: Attorney General's Office
CC: Better Business BureauBusiness Response
Date: 01/17/2023
January 17, 2023
******** ********
BBB Complaint Department
Response Sent Via Web Site: ********************************
Re: Consumer Name: ****** ******
Complaint Case Number: ********
United Collection Bureau, Inc. Reference Number: ********
Dear ******** ********:
Mr. ****** recent correspondence was forwarded to our Compliance Department for proper review and response. It is the policy of United Collection Bureau, Inc. to conduct all activities in a professional and ethical manner.
Thank you for bringing ****** ****** concerns to our attention and allowing us the opportunity to review and respond to them.
Upon receipt of Mr. ****** correspondence an investigation was completed. United Collection Bureau, Inc. (UCB) is a contracted business associate of Mr. ****** medical creditor. We have been engaged by them to collect debts on their behalf. United Collection Bureau, Inc. has not initiated any credit reporting of the above referenced account to any credit reporting agency. Validation of the above referenced account has been mailed directly to Mr. ****** as requested.
If you should have any further questions, please contact our agency at 866-416-3859.
Regards,
********* *****
Compliance and Remediation Specialist
United Collection Bureau, Inc.
PO Box 140190
Toledo, OH 43614
E-mail: ************************
This is an attempt to collect a debt by United Collection Bureau, Inc., a debt collector, and any information obtained will be used for that purpose.Initial Complaint
Date:12/06/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I called this company to ask questions because they have been leaving me voicemails about a debt they claim I owe. I called several times on 12/5 and received a very rude response. I called again today and received another very rude response. Why are these people so rude and why won’t they answer my questions if they believe I owe them? It is very dangerous to provide personal information to someone you don’t know so it is not unreasonable to ask why they are calling me.Business Response
Date: 12/14/2022
December 14, 2022
******** ********
BBB Complaint Department
Response Sent Via Web Site: ********************************
Re: Consumer Name: ******* *******
Complaint Case Number: ********
United Collection Bureau, Inc. Reference Number: ********
Dear ******** ********:
Your recent correspondence was forwarded to our Compliance Department for proper review and response. It is the policy of United Collection Bureau, Inc. to conduct all activities in a professional and ethical manner.
Thank you for bringing ******* *******’s concerns to our attention and allowing us the opportunity to review and respond to them.
Upon receipt of Ms. *******’s correspondence an investigation was completed, which call recordings were reviewed and immediate action taken. It is the policy of United Collection Bureau, Inc. to ensure that we are speaking to the correct person before disclosing information regarding a debt. In order to do this, we ask consumers to verify their full name, and one additional piece of identifying information including; mailing address, date of birth or the last four digits of their social security number. As requested, we updated our account notes so that no further attempts would be made to contact Ms. *******. Our agency has ceased all collection activity.
If you should have any further questions, please contact our agency at ************.
Regards,
********* *****
Compliance and Remediation Specialist
United Collection Bureau, Inc.
** *** ******
******* ** *****
E-mail: ************************
This is an attempt to collect a debt by United Collection Bureau, Inc., a debt collector, and any information obtained will be used for that purpose.Customer Answer
Date: 12/20/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* *******Initial Complaint
Date:11/23/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On November 15, 2022, I noticed a fraudulent collection from UCB COLLECTIONS. I was unaware of this charge and I do not lay claim to it. The amount placed on my credit report was for $1,643. I do not have the account number or any additional information. I was not contacted or given notice prior to the charge being placed on my credit report. The charge does not belong to me and I would like to have it removed immediately. I do not have any written or verbal contracts with UCB COLLECTIONS. This charge is causing me hardship with my family and my marriage and would like it removed to alleviate any further stress.Business Response
Date: 12/07/2022
December 7, 2022
******** ********
BBB Complaint Department
Response Sent Via Web Site: ********************************
Re: Consumer Name: ****** ******
Complaint Case Number: ********
United Collection Bureau, Inc. Reference Number: ********
Dear ******** ********:
Your recent correspondence was forwarded to our Compliance Department for proper review and response. It is the policy of United Collection Bureau, Inc. to conduct all activities in a professional and ethical manner.
Thank you for bringing ****** ******’s concerns to our attention and allowing us the opportunity to review and respond to them.
United Collection Bureau, Inc. (UCB) is a contracted business associate of Mr. ******’s medical creditor. We have been engaged by them to collect debts on their behalf. According to our records, notice of the above referenced account was initially mailed from UCB to Mr. ****** at the address confirmed in this correspondence on November 22, 2021. Validation of the above referenced account has been mailed directly to Mr. ******. If Mr. ****** feels that this account is the result of fraud, we ask that he please return a copy of his I.D. card along with a completed Federal Trade Commission Identity Theft Affidavit and a copy of his police report so that we may assist in resolving this matter with his creditor. He may find the Identity Theft Affidavit and instructions for completing the Affidavit on the ******* ***** **********'s website- ******************************. Additional documents can be sent by fax to ************, by email to ************************, or to the address below. We ask that the reference number listed above please be included on any documentation provided. Our investigation has resulted in removal of the above referenced account from Mr. ******’s credit report. If he does not see a change to his credit report after 30 days from the date of this response, he may contact our office at the number below.
If you should have any further questions, please contact our agency at ************.
Regards,
********* *****
Compliance and Remediation Specialist
United Collection Bureau, Inc.
** *** ******
******* ** *****
E-mail: ************************
This is an attempt to collect a debt by United Collection Bureau, Inc., a debt collector, and any information obtained will be used for that purpose.Initial Complaint
Date:11/21/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This UCBI company placed a hold on my account with my banking institution. They said that I owed state taxes though i recieved a refund every year . I spoke with the *** and they didn’t say I owed state anything . However I proceeded to make an arrangement with them so they’ll lift this hold and refund part of my funds. Ive contacted them and they’re telling me they’ve not received my funds over a 2wk period, my banking institution has informed me that they’ve released my funds to them . My bank is *** **** . They’re saying they haven’t received my funds and my bank will not communicate with them . I am set to believe there’s some kinda fraud going on and would like to take steps in getting my funds back into my acct . I also plan to file a complaint against ******* as well because they’re saying they can’t help me with this matter and I have to speak with uCBI which I’ve done many times the bank is telling me they have it and they’re telling me they don’t I need to get to the bottom of this matter as it has impacted me and my kids life tremendously.Business Response
Date: 11/23/2022
November 23, 2022
Better Business Bureau Complaint Department c/o ******** ********; ****************
Regarding: ********* ********
Case Number: ********
Dear Ms. ********,
The Compliance Department at United Collection Bureau, Inc. (UCB) has been notified of your complaint correspondence from ********* ********.
The bank hold is a levy related to delinquent taxes owed to the ******* ********** ** *******. The ******* ********** ** ******* has contracted with UCB as a legal collection agent who is authorized to apply levies (** *********). UCB leadership did contact ********* ******** on 11-21-2022 to discuss the account and resolution.
Sincerely,
**** *******
Senior Vice President
United Collection Bureau, Inc.
*** ****** **** *************** ** *****
************Initial Complaint
Date:11/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Today, I learned my bank account was levied for unpaid state taxes. I called several times, and would be transferred to the "right" department. I waited on hold for well over an hour to get information on why my bank account was frozen. I learned that UCB sent all communications about this matter to the address I lived at over 15 years ago. If I had received these notifications, I would have been enabled to take action to prevent a levy on my entire bank account. I'm guessing that this is a standard practice for this debt collector to ensure they receive funds on collection accounts, and prevent any actions being taken to decrease the amounts they are collecting on. Until today, I wasn't aware of any collection activities by UCB or that there was a court hearing that would issue a tax warrant.Business Response
Date: 11/23/2022
November 23, 2022
Better Business Bureau Complaint Department c/o ******** ******; ****************
Regarding: ********* ******
Case Number: ********
Dear Ms. ******,
The Compliance Department at United Collection Bureau, Inc. (UCB) has been notified of your complaint correspondence from ********* ******.
The bank hold is a levy related to delinquent taxes owed to the Indiana Department of Revenue. The Indiana Department of Revenue has contracted with UCB as a legal collection agent who is authorized to apply levies (IC 6-8.1-8-4). Taxes were filed for year 2020 however, payment was never remitted. In addition to mail from both UCB and IDOR, UCB made several phone attempts with no contact. UCB leadership did contact ********* ****** on 11-17-2022 and after answering a few questions ******** ****** disconnected the phone call.
Sincerely,
**** *******
Senior Vice President
United Collection Bureau, Inc.
200 Patrol Road
Jeffersonville, IN 47130
************
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