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Business Profile

Collections Agencies

United Credit & Collections Inc

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 32 total complaints in the last 3 years.
  • 14 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/05/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    IM NOT LIABLE FOR THIS DEBT WITH UNITED CREDIT AND COLLECTIONS.I DONT HAVE A CONTRACT WITH THOSE COLLECTION AGENCY NOR DID I SIGN ANY CONTRACT WITH THIS AGENCY . They did not provide me with original contract as requested

    Business Response

    Date: 07/07/2025

    See the attached. The amount is due and owing.

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:04/22/2025

    Type:Billing Issues
    Status:
    Answered
    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 writing to formally dispute an account that has been inaccurately reported under my name by UNITED *********************************** (also known as United *********************************** This issue has persisted for over three years, during which I have disputed the account multiple times through proper channelsyet the matter remains unresolved.Let me be absolutely clear:I have never borrowed from, nor do I owe any money to UNITED CREDIT & 07 N E A **** CASABLANCA. This account is fraudulent, inaccurate, or incorrectly attributed to me. Despite my repeated efforts to resolve this matter in good faith, the account continues to appear on my credit report, causing ongoing damage and unnecessary ********* addition, I believe UNITED *********************************** has violated several consumer protection laws, including but not limited to provisions under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws exist to protect consumers like myself from exactly this kind of negligence and abusenamely, the failure to investigate disputes, the continued reporting of inaccurate information, and harassment regarding debts that do not exist.I am demanding the immediate removal of this account from all of my credit reports, and that all communication from this agency regarding this matter cease immediately.

    Business Response

    Date: 04/24/2025

    This case is not fraud. See all the attached as the balance is due and owing.

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:04/04/2025

    Type:Billing Issues
    Status:
    Answered
    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 N E A **** CASABLANCA. I do not have a contract with UNITED CREDIT & COLLECTIONS. They did not provide me with the original contract as requested.

    Business Response

    Date: 04/14/2025

    You're not required to have a contract with us, but you do have on with our client. See the attached.

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:04/03/2025

    Type:Billing Issues
    Status:
    Answered
    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 united ********************************** ,I do not have a contract with united ********************************** They did not provide me with the original contract as requested

    Business Response

    Date: 04/14/2025

    You do not need to have a contract with us, but you do with our client. See the attached and the amount is due.

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:02/22/2025

    Type:Billing Issues
    Status:
    Answered
    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 simply requesting for this debt to be taken off of my report because it was paid in full and I have no further use for it.

    Business Response

    Date: 02/24/2025

    Client failed to inform us that the account is now paid. Delete..

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

     

  • Initial Complaint

    Date:01/16/2025

    Type:Billing Issues
    Status:
    Answered
    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 United Credit and Collections. I do not have a contract with United and Credit and Collections, they did not provide me with the original contract as requested.

    Business Response

    Date: 01/23/2025

    Please see the attached. Consumer does not have to have a contract with us but she does with our client.

    The amount is due and owing. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:12/26/2024

    Type:Billing Issues
    Status:
    Answered
    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 N E A **** CASABLANCA. I do not have a contract with UNITED CREDIT & COLLECTIONS, they did not provide me with the original contract as requested.

    Business Response

    Date: 12/27/2024

    Please see the attached.. Balance is due and owing. ****** made payments to us totaling $301.25. Last payment 5/26/21. 

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

    Customer Answer

    Date: 01/02/2025

    Complaint: 22733253

    I have reviewed the business' response and am rejecting it because:



    Sincerely,

    **** ********

  • Initial Complaint

    Date:11/26/2024

    Type:Billing Issues
    Status:
    Answered
    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 filing this complaint because the credit bureaus has failed to respond or investigate a disputed collection account reported by ******************** ***** (Original Creditor: 05 **********************) that I believe to be fraudulent. It is against my consumer rights and the Fair Debt Collection Practices Act (FDCPA) for this debt to be listed on my credit report going forward.

    Business Response

    Date: 11/27/2024

    This is a paid account we do not have to respond nor send verification of a paid debt. 

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:09/25/2024

    Type:Billing Issues
    Status:
    Answered
    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 collection agency has been harassing me.A plumbing company advertised a non committal no cost visit to evaluate a small plumbing issue. A proposal was presented and I decided not to hire this company.I was then presented with a diagnostic fee of $180.00 I pointed out their yellow page add with their advertising a no fee visit.They continue to try to collect this BOGUS fee and I refuse to pay it.They have a shady collection agency (United ****************** from St. ******* MO harassing me for over a year. Both companies have numerous complaints in ******** BBB.

    Business Response

    Date: 09/25/2024

    We do not know one thing about her dispute as she refuses to answer calls nor mail. If she was upfront and would have notified us we would have looked into the dispute deeper. 

    We are in communication with our client about her issue waiting on a response. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  • Initial Complaint

    Date:09/14/2024

    Type:Billing Issues
    Status:
    Answered
    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 UNITED ************************************ I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.

    Business Response

    Date: 09/16/2024

    Please see the attached. This is the same information we mailed to him on 10/23/2023. The amount is due and owing. 

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

    Customer Answer

    Date: 09/21/2024

    Complaint: 22284908

    I have reviewed the business' response and am rejecting it because: First of all, I do not have a contract with this company. Second, I do not owe any debts to anyone. Third I have no knowledge of any of the mentioned debts or charges. I have not been notified that an attorney has confirmed or denied if any information is correct or not. I am not liable for this debt and it's illegal to keep harassing me about any debts and threatening with lawsuits.



    Sincerely,

    ***** El ******

    Business Response

    Date: 09/26/2024

    Same as Complaint 22284908

     

    You do not need to have a contract with us to owe our client... The amount is due and owing. 

    This is an attempt to collect a debt. Any information obtained will be used for that purpose.

United Credit & Collections Inc is NOT a BBB Accredited Business.

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