Complaints

This profile includes complaints for United Collection Bureau, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  United Collection Bureau, Inc.

  5620 Southwyck Blvd # 206 Toledo, OH 43614-1501

  
• 

  United Collection Bureau, Inc.

  1345 Ford St Maumee, OH 43537-1732

  

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.

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  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 company called friends and family and told them they were with the police department and if i did not return the call i would be going to jail. So i called the number ************** and the person would not identify himself and was telling me that i needed to pay he had all my info and wanted my last 4 of social and i told him no that was not my debt and that i was hacked i while back he started saying that i was going to court and that someone was going to my house and serve me and that they were coming to my job so i hung up on them but they keep calling my ex wife and current wife. ****** ***** called me and i have asked for a validation of debt and they just hung up

  

  Business Response

  Date: 06/27/2025

  After a thorough search of our database, we are unable to locate an account associated with this complaint based on the information provided. The phone number referenced in the complaint does not belong to United Collection Bureau, Inc. If you would like our compliance team to further research your complaint, we can be reached at *************************************************************

• Initial Complaint

  Date:06/05/2025

  Type:Customer Service Issues
  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 have *** all the calls from this company and they continue to call me and collect debt that is for **** ******. I have told them they have the wrong number every time and still harass.

  

  Business Response

  Date: 06/18/2025

  Thank you for bringing BBB Complaint #********* concerning ******* ****** experience, to our attention. We have
  thoroughly investigated the matter and, unfortunately, were unable to locate the specific phone number **************
  mentioned in her complaint in connection with **** ******. However, our records indicate that on June 3, 2025, we did
  speak with an unidentified third party at a phone number ending in 6493, which may possibly have been the complainant.
  Please note that this number was subsequently removed from our records on that same day. We sincerely apologize for any
  inconvenience or distress this situation may have caused Ms. ***** and we hope this information addresses her concerns.
  If you have any questions, or need additional information, please do not hesitate to contact our office at ************** or
  *************************************************************************************.

• Initial Complaint

  Date:04/24/2025

  Type:Billing Issues
  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 a formal complaint regarding the repeated failure of United Collection Bureau (UCB) to respond to my settlement inquiries concerning the above-referenced account originally owed to Citibank, N.A.I contacted UCB via email on three separate occasionsApril 2, April 5, and April 17, 2025offering a documented and reasonable settlement of 30% of the alleged balance. Each offer included a request for written confirmation of terms and clarification regarding how the account would be reported to the credit bureaus upon resolution. Despite these good-faith attempts, UCB has not responded in any formno acknowledgment, no counteroffer, and no indication that the matter is being reviewed.This lack of communication shows a clear disregard for the consumer and reflects a failure to engage in good faith under both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). I am actively trying to resolve this matter, yet UCBs complete silence undermines any chance of resolution and continues to cause credit reporting harm.If UCB refuses to communicate or take action to resolve this debt, I am requesting that this account be removed from all credit reporting agencies, as its continued presencedespite my effortsconstitutes unfair and inaccurate reporting.

  

  Business Response

  Date: 05/02/2025

  We are in receipt of your BBB Case Number 23240916.Thank you for bringing these concerns regarding ***** ********** to our attention and allowing us the opportunity to respond. We appreciate you facilitating this communication. 

  Our review indicates that itemized statements for this account were mailed to his address on February 25, 2025, March 24, 2025,April 3, 2025 and April 17, 2025. We are unable to accept his proposal to settle his account for $471.96. However we mailed him an offer on April ******* to his home address.  

  We understand that managing financial obligations can be challenging, and we are committed to working with ***** **********. He may contact our office to discuss His options via the following methods:

  
  Phone: ******************************. If ******************************* (TRS) is required, please dial 711.
  Online Payment: *****************************************************************************************
  Mail: Payment can be mailed to ************************************
  

  We encourage ***** ********** to reach out to us through one of these methods at his convenience to discuss how we can best assist him. Please be advised that United Collection Bureau **** does not engage in credit reporting for ******** N.A. Please direct ***** ********** to contact Citibank N.A.directly at ************** for further information regarding this accounts status.

  
  If you have any further questions, or require additional information, please do not hesitate to contact our office directly at ************** or via email at *************************************************************************************.

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  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 honestly dont get why UNITED COLLECTION BURE is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 7640 Amount Disputed: $768

  

  Business Response

  Date: 04/14/2025

  We have mailed a written response directly to the party whose identifying information matches the identifying information of the complainant. Should you require further information, please contact us. Please allow 7-10 business days from today for the response to be received by the consumer via ***** 

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  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 United Collections ************ I do not have a contract with the collection agency VHS ************************** they did not provide me with the original contract as requested

  

  Business Response

  Date: 03/31/2025

  We have mailed a written response directly to the party whose identifying information matches the identifying information of the complainant. Should you require further information, please contact us. Please allow 7-10 business days from today for the response to be received by the consumer via ***** 

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  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 UCB Collections. I do not have a contract with UCB Collections L.P. they did not provide me with any contract. As a correction to my credit report I demand this account to be removed from this credit report. On 10-10-2024 I have documents showing I've paid my debt, and a money order receipt showing I've paid my debt. Not only that my I have proof that I've tried paying on 10-02-24 and 10-03-24 and Summer ****** Apartments said It didn't go through so I reached out to my bank and they told me it went through and I was confused because Summer ****** kept saying it didn't go through. Later on that week it was a woman telling me that their trying to get people that has money so be careful. As a result I was left to pay my debt with Summer ****** on 10-10-24 so I demand this to be removed from my credit report.

  

  Business Response

  Date: 03/31/2025

  We have mailed a written response directly to the party whose identifying information matches the identifying information of the complainant. Should you require further information, please contact us. Please allow 7-10 business days from today for the response to be received by the consumer via ***** 

• Initial Complaint

  Date:03/24/2025

  Type:Customer Service Issues
  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.

  In January 2025, I received a letter from the state of ******* stating I owed them money for taxes and if I did not pay by March 2025 theyd pursue other avenues like seizing my tax return, etc. I proceeded to save the money owed and made the payment on 2/16. On 2/18, United collection bureau proceeded to file a bank levy seizing $2,032.14. I called them as soon as my bank notified me and let them know I had already paid the debt and they were negligent in filing a bank levy in a debt that wasnt valid. They proceeded to tell me the do not confirm if a file is valid still before they file a levy and that they can see my file was pulled after the levy was filed. Here is another example of negligence on their part since it took me calling them for them to realize I didnt have an active file with them for them to begin removing the levy they shouldnt have never put on in the first place. They never mentioned my seized assets when they agreed to remove the levy. The levy was removed a few days later but still no funds were returned. I spoke with me bank and they confirmed a payment was issued to this company so Id need to work with them to get my funds back. I proceeded to call again. This time while the lady was nice I was told theres nothing they can do because they can no longer see my file and I had to call the state of *******. Mind you Im being patient with the person on the phone since its not their fault its their companies negligent policies and procedures. They proceeded to respond to my CFBP case with a blatant lie that I was pleased with the response I received. When if they listen to the recordings from both of my calls it is very obvious Im not. At this point, I still dont have my $2032.14, I was charged a $100 legal fee from my bank which I should have never been charged since my file was not valid, and Im now 6 hours into this and still counting. This company needs to stop lying, updating their policies and procedures, and make me whole.

  

  Business Response

  Date: 03/27/2025

  UCB leadership has left messages with the customer for a return call.  Customer can return call to ********************** at ************.  

• Initial Complaint

  Date:03/21/2025

  Type:Billing Issues
  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ************** Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 03/31/2025

  We have mailed a written response directly to the party whose identifying information matches the identifying information of the complainant. Should you require further information, please contact us. Please allow 7-10 business days from today for the response to be received by the consumer via ***** 

• Initial Complaint

  Date:03/20/2025

  Type:Billing Issues
  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.

  United Collections Bureau illegally seized funds in my bank account. I never provided my bank account information to them or the debtor they collected for. They froze my account taking the $749.58 placing my account into negative by 473.35 I have received all notifications from the debtor not one of them stated they were going to turn my account over to this collection ageny. When I made payments to the state in the past, I did so using a different account altogether. I never received any mail from United Collections Bureau as I open all of my mail. Yet they froze an account they never received my consent to access and we have not gone to court. I have not court order stating this was permissbale which means they obtained my bank account information through illegal means.

  

  Business Response

  Date: 03/27/2025

  BBB RESPONSE
  UCB Director ******* ***** contacted customer on
  3-25-2025.  Consumer said she was at work
  and could not talk but would call ******* after work to discuss.  Customer has not returned call.  Customer can return call to
  866-416-4854.  

  Customer Answer

  Date: 03/27/2025

  
  
  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. The hold has been removed from my bank account and ******* ***** is working with her client to request a refund of some of the funds with agreement to pay remainding balance after this refund. I understand that this is not a guarantee but I do appreciate **** ****** efforts. 
  
  
  
  Sincerely,
  ****** ********
  

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  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 disputing an invalid account reported by (credit / collection agency name) on my credit report. This account is inacurrate , unverfied and violates the FAIR CREDIT REPORTING ACT. ( ****) . Since it does not meet the legal standard for reporting, ********** its immediate removal. If the furnisher cannot provide proper validation, it mustbe deleted per federal law. (15 U.S.C * 1681)

  

  Business Response

  Date: 03/28/2025

  Please see supplied attachment.