United Collection Bureau or UCB is a third-party collection agency that also provides Accounts Receivables Management (ARM) and Business Process Outsourcing (BPO) services. UCB has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as making false statements and threatening or taking illegal actions. If you have been contacted by UCB, understanding your rights can help you prevail.
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They’re legit. According to the Better Business Bureau (BBB), United Collection Bureau, Inc. was founded and incorporated in Ohio in May 1959. The BBB opened its file in September 1967. UCB is listed as a collection agency. The Additional Information section indicates that “EAP is a division of UCB, which originated in the 1950s and has been a member of the BBB since 1972.EAP helps patients determine if they are eligible for any Medicaid programs, as well as any hospital-based programs.” Buzzfile estimates UCB’s annual revenue at $64.3 million and the size of its staff at 165 people.
According to its website, United Collection Bureau was “founded on the premise of providing industry-specific solutions while simultaneously ensuring superior service.” UCB’s commercial services include ARM, BPO, and collection services for government agencies; healthcare providers; utility companies; financial service companies; telecommunications and media companies; and student loan providers.
UCB’s consumer page contains only a link to the payment portal, and an email contact link to request payment arrangements or ask questions. On their Resource page, under the Consumer Resources heading, there are links to Ask Doctor Debt; the Better Business Bureau; the Association of Credit and Collections Professionals (ACA International); and UCB’s licensing information. Under the Sales Sheets heading, there are links to marketing brochures for various business services such as bad debt recovery, extended business office, and insurance verification. There is also a link to a United Collection Bureau Healthcare Service Video.
The BBB has closed 59 complaints against United Collection Bureau in the past three years, with 13 closed in the past twelve months. The majority of these complaints allege problems with billing and collection issues; several more complaints allege problems with customer service and advertising or sales. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 46 complaints against UCB. Justia lists at least 22 cases of civil litigation naming United Collection Bureau Healthcare as a defendant.
United Collection Bureau, Inc. (UCB)
5620 Southwyck Blvd., # 206
Toledo, OH 43614-1501
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely UCB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Absolutely. Here are some Sample Cases against United Collection Bureau Inc
In April 2017, in the United States District Court, Northern District of Ohio, Eastern Division, a judge issued a Memorandum Opinion and Order in a case alleging violations of the Telephone Consumer Protection Act (TCPA). The plaintiff originally filed this class action lawsuit in May 2016, “alleging that Defendant United Collection Bureau violated the Telephone Consumer Protection Act (TCPA).” The plaintiff’s complaint was based on TCPA provisions that make it unlawful “‘to make any call (other than a call made for emergency purposes or made with the prior express consent of the called party) using an automatic telephone dialing system or an artificial or prerecorded voice … to any telephone number assigned to a … cellular telephone service.’” The plaintiff alleged that United Collection Bureau Healthcare made several such calls to her cellular telephone in an attempt to collect a debt; that she was unable to answer the calls but received recorded voice messages that “were prerecorded and made using equipment that automatically and sequentially called a list of telephone numbers, obtained from a ‘skip-trace’ or similar third-party source.”
The complaint states that United Collection Bureau Healthcare knew or should have known that they did not have consent to make the calls according to the TCPA, and that UCB “has a policy, practice, or procedure of placing calls to cell phones regarding the collection of an alleged debt without the prior consent of the called parties,” which is the justification for the class action. In the hearing on April 2017, the plaintiff sought to compel UCB to produce class information for “‘wrong number’ call recipients.” UCB objected to producing the evidence because it would require either manually reviewing 278,000 accounts or writing a computer program to conduct an automated search. The court was not persuaded by UCB’s arguments, citing legal precedents that have established “that defendants may be required under the Federal Rules to create computer programs to search an existing database for relevant information.” They also found that the plaintiff had met her burden “of showing that the discovery she seeks is relevant and necessary to her claim”; thus, the plaintiff’s motion to compel was granted and United Collection Bureau Healthcare’s motion of protective order was denied.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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