ComplaintsforUniversal Collection Systems, Inc.
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
05/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On May 6, someone contacted me from this company telling me that they are a diversity company. They misrepresented themselves which is against the law. When I googled the phone number- **********- I saw that this was a debt collection agency. The woman kept asking me for my zip code to allegedly verify she was talking to the correct person. I refused, because if you are calling me, you should know who I am. There was initially a misrepresentation of where she was calling from- I told her to never call me back again, and here I have another voice mail from this number on 5/14/2024. This is harassment, and misrepresentation saying you're a diversity company when you're really a debt collector is against the law.Business response
05/17/2024
good afternoon BBB
We will contact the original creditor for a copy of the billing information and send to ************ for her review.
Our policy is to verify the person's identity to make sure we are speaking to the correct person regarding a debt.
Once we have verified the correct person, we do give our full company name and that this communication is from a debt collector.
We also mailed a copy of the required collection letter to ************ at the address listed below. That letter should have been delivered during the
lst week of May. The letter gives information on the original creditor and the amount we are attempting to collect. The letter also provides the consumer
with an opportunity to dispute the debt with our office. We will mail her a copy of the information when we receive it back from the original creditor. We will
remove **************** phone number from her account so there will be no more calls per her request,
Customer response
05/17/2024
Complaint: 21723392
I am rejecting this response because: there was nothing in this response that addressed the misrepresentation of what the company is. The agent said it was a diversity company, which it clearly is not. This is a violation of thr fair credit report.
Sincerely,
*********************Initial Complaint
04/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a letter and multiple calls from a debt collector attempting to collect an alleged debt, demanding payment of a specific amount. In response, I wrote a letter to the debt collector, asking them to furnish a contract indicating mutual assent of the parties. However, despite my request, the debt collector has failed to provide the requested document. This situation has caused me significant distress and uncertainty regarding the legitimacy of the alleged debt and the actions of the debt collector. Ive attached a copy of all correspondence *** sent to the debt collector, and copies of the certified receipts confirming delivery. As a consumer, I assert that no mutual assent of the parties was given regarding the alleged debt that the debt collector is attempting to contract with me. It is important to recognize that collection agencies often purchase alleged debts in bulk, aiming to profit by convincing consumers to pay. However, in this instance, I did not knowingly enter into any agreement with the debt collector regarding the purported debt. If any agreement exists, it was done so fraudulently, as I have no recollection of such an arrangement. Furthermore, I have requested the debt collector to furnish a contract between myself and them, yet they have failed to do so, further casting doubt on the legitimacy of their claims. Therefore, I contest any attempt by the debt collector to enforce a contract without my explicit mutual assent. Consequently, I demand the immediate removal of this account from all credit reporting agencies, $1,000 per FCRA and FDCPA violations, and insist that all forms of communication from the debt collector cease forthwith. UNIVERSAL CL - Account Number **********Business response
04/25/2024
good morning BBB----
first, I show this is the 1st email that I have received from you on ******************** account. A quick review of his account shows that we have not
recieved any request for account information and we do not have a good phone number for ********************. I have requested a copy of the trip ticket for
services that we are attempting to collect for and will send them to the address in your report, which matches the address that we sent the required federal notice to on
4-21-2023. I will respond back to you when I have mailed the information to ********************. I will also update our credit reporting to show the account is disputed.
*********************
UCS-Memphis
Initial Complaint
04/04/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt. This debt collector has violated my HIPPA Laws. I did not give my medical provider permission to share my health information with anyone of these outside companies.Business response
04/22/2024
good morning ********** @ BBB
sorry for the delay in responding to your earlier email concerning **************** claim
we have contacted the original creditor who has sent us a copy of the signed financial agreement and a copy of the billing statement
we will mail her a copy to the address she provided which is the same address that we sent the original notice as required by law to on 11-12-21.
thank you.
*********************
UCS-Memphis
Customer response
04/22/2024
Complaint: 21533481
I am rejecting this response because: its a violation of my HIPPA Laws
Sincerely,
Termirica ****Business response
04/24/2024
************ said she did not accept our response that we mailed to her home address a copy of the billing information with
A signed copy of her financial agreement. In the letter, we gave our contact information if she wants to discuss further or also
The name of the original creditor is she wants to discuss the account with them, which often they will refer her back to us.
As far as her concern over the ***** information, our clients do not send us that information in files for us to collect---we do
Not need that information. However, when billing information is requested, their maybe some information that is ***** related, but
Nothing is entered on the consumers collection account, we just send that information to the consumer.
I hope this helps the BBB to see our point of view in not responding further to ************ response back to the BBB.
Thank you,
*********************
UCS-Memphis
Initial Complaint
03/13/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with Memphis Obstetrics Gynecology. I do not have a contract with Universal Collection Systems. They did not provide me with the original contract as I requested.Business response
03/19/2024
we have reviewed ************** dispute that you sent to us. We have sent her dispute to the original creditor, ******* Obstetrics & ************************* (MOGA)
they have provided us with a copy of the billing and a signed financial page that we will be sending to ************** at the 3528 ******* address for her review. Their records indicate the balance is unpaid. We will update ************** credit report as disputed.
*********************
UCS-*******
Initial Complaint
01/10/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with ************** Surgery CTR, I do not have a contract with Universal Collections *********** they did not provide me with the original contract as I requested.Business response
01/25/2024
sorry for the delay but we have been reviewing ******************** complaint. We are sending to **************** a copy of her bill, with her signature on the financial page, as well as
the information on the civil summons and default judgment taken in Desoto County ******************* court on 12-1-2022. ****************** has also filed a dispute with E-***** and *********** on her credit report. That update is due on 2-4-2024 and we will be updating her credit report as required.
thank you,
*********************
UCS-*******
Initial Complaint
12/22/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I received a bill in the mail from this company, I immediately paid the bill in the amount of ******. This amount was paid on 5/4/23 at 8:16 pm, every month since then I receive a phone call stating I owe this money. I have explained over and over again to these people its already been paid and give them all the information, they assure me they will make note of it, some even said they would send the information to an account manager. At this point I'm unsure of what to do, in order for them to stop calling me. I have my receipt of payment and even offered to email that to them. From what I gather on the phone with them is this invoice has been doubled billed. I also keep giving them my new address and they keep asking me for my old one.Business response
12/27/2023
good morning BBB---
we have reviewed ****************** complaint and she is correct, the original creditor did send us duplicate accounts.
We have closed both duplicate accounts and we show the original accounts both paid in full as she said.
************** also notified the **** and we will be updating them with the same information that I am providing you.
We apologize for the inconvenience. Thank you, *********************, UCS-*******
Initial Complaint
07/25/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with UNIVERSAL COLLECTION SYS, I do not have contract with BAPTIST G ************ DBA O, they did not provide me with the original contract as i requested.Business response
08/02/2023
We sent ****************** the required Reg F notice on 2-3-2023. We have left messages several times but our records indicate no response or dispute notice from *******************
We have requested a copy of the bill from our client ************************* in **********. We will be mailing a copy of this bill to ****************** along with a copy of his signature on the financial agreement he signed on 1-4-2022. When we recieved no response from ******************, his account was reported to the credit bureau. We will update his account as disputed and give him the opportunity to review the information from **********.
Sincerely,
*********************
UCS-*******
Initial Complaint
12/29/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am not liable for this debt with ******************** CENTERV and I do not have a contract with UNIVERSAL CL plus they did not provide me with the original application like I asked. Account No: XXXXXX**** Amount Disputed: $78.00 MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA).Business response
01/26/2022
Business Response /* (1000, 5, 2022/01/07) */ good afternoon BBB in response to Mr. **** complaint filed with you, Mr. **** had sent us a dispute requesting information as well. We sent him a copy of the charges along with the signed agreement. We mailed this to him on December 15, 2021. We also updated his credit report to reflect that this account was disputed. Thank you, ***** ***** UCS
*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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
Customer Complaints Summary
10 total complaints in the last 3 years.
6 complaints closed in the last 12 months.