USCB America (USCB) is an Accounts Receivable Management (ARM) and Business Process Outsourcing (BPO) company based in Los Angeles that specializes in third-party debt collection. USCB has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including illegal communication tactics and misrepresentation. If you have been contacted by USCB, understand your rights before taking action.
Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
USCB America is a legitimate debt collection agency. According to the Better Business Bureau (BBB), USCB was founded in 1915 and incorporated in 1968. Headquartered in Los Angeles, USCB is listed as a collection agency. Buzzfile estimates USCB’s annual revenue at $24.7 million.
According to its website, “USCB America is the largest privately held Receivable and Resource Management company in the State of California.” Employing over 400 people in four locations, USCB provides “innovative business process outsourcing and revenue cycle management solutions to improve management efficiencies, increase cash flow, reduce administrative burden…and redundancy, and reduce overall operating expenses for…clients.”
USCB’s full-service ARM and BPO service include a third-party collection division for healthcare providers, retail and banking creditors, and government municipalities. ARM and BPO services feature “call center solutions, resource staffing, insurance billing, claims follow-up and denial management programs, and presumptive charity care screening.” Collection services include “pre-collect and early-outs, self-pay bad debt portfolio management, and complete back-end revenue cycle management.”
The USCB America website has an extensive regulatory compliance page. They cite employee training in adherence to major regulatory laws, including the Health Insurance Portability and Accountability Act (HIPAA); the Health Information Technology for Economic and Clinical Health Act (HITECH); the Fair Debt Collection Practices Act (FDCPA); the Gramm-Leach-Bliley Act (GLBA); and data security.
USCB’s vision is to be “the largest, most successful, employee owned receivable and resource management company nationwide.” As a result, their client-facing website does not offer information, resources, or links to consumer protection laws, resources, or enforcement agencies.
The BBB has closed 8 complaints against USCB America in the preceding three years, with 2 closed in the past 12 months. Most those complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 8 complaints against USCB, and Justia lists at least 3 cases of civil litigation naming USCB America as a defendant.
355 S. Grand Ave., Ste. 3200
Los Angeles, CA 90071
Telephone: (877) 846-9531
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely USCB 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!
Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you
Absolutely. Here are some Sample Complaints.
Consumer complaints against USCB America indicate a tendency toward inaccurate documentation of billing and collection accounts. For example, in February 2016, a complainant indicated that he had received a letter from USCB requesting payment for a delinquent medical bill. The complainant confirmed that all of the information on the bill was accurate and indicated that he made an online payment the previous month. He confirmed that the payment had processed through his bank, but when he logged on to his customer account on his healthcare provider’s website, the payment had not posted, and he was “left to wonder what USCB did with his payment.”
In November 2015, a complainant indicated USCB America had submitted derogatory information to the credit reporting agencies although he had never received information from the creditor that any of his accounts were being sent to collections. He indicated further that bills had been sent to a previous address and had not been forwarded. He insisted that he had been making payments with the original creditor, but objected to USCB and the creditor taking aggressive actions without first giving him the chance to address alleged delinquencies.
Although most companies—including collection agencies—utilize BBB’s complaint portal to post responses to consumer complaints, USCB provides the same response to all complaints on the BBB site:
“Based upon the requirements of both the FDCPA and HIPAA, we are unable to address any complaints of this nature, and cannot admit that we have this matter to address, without a release from the individual lodging the complaint. If a release which is satisfactory pursuant to the Fair Debt Collections Practices Act and the Health Insurance Portability and Accountability Act is received, the allegations could be addressed. Specifically, the release must address permission to publish personal health information and/or possible debt collection information in a response that can viewed by the general public that has access to the Better Business Bureau.”
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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, 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.
What Our Clients are Saying
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
Chances are good that we can help. Call us today and we’ll explain.
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.