Consumer complaint received 2021-06-04
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an outstanding balance with XXXX  XXXX that I was well aware of. I had paid over half using my Medical Flexible Spending in XXXX and did receive a statement in XXXX for a balance of {$450.00}. I decided to wait since sometimes they resubmit to the insurance and that amount changes. I did not receive a statement in XXXX and went on line to determine if I still owed anything. After putting in my account number it showed that I now have a {$0.00} ( XXXX ) balance owed so I thought it was taken care of by insurance. 

Then I got a call from Revsolve on XX/XX/XXXX. I told them I did not have a balance owed to XXXX  per their website and thought that their claim that I owed {$350.00} was not legitimate and requested a breakdown and statement from them and if determined was legitimate I would gladly pay. I have yet to receive anything else from them except for phone calls. 

Today I get a phone call at XXXX from XXXX and let it go to VM. When I listen to the VM they mention in the VM that this is an attempt to collect a debt ... .I was shocked and really taken aback. I am a Director of Collections for an auto finance company, and could not believe that such a blatant disregard for the FDCPA could actually take place. 

I call the number at XXXX AZT on XX/XX/2021 when I get a minute between meetings and get " XXXX '' on the line. He asked for my Revsolve account number which I stated I do not have an account with Revsolve and need to know not only why they are calling me but also why they see fit to break laws in doing so. After verifying he stated that I had a bill due to them for {$100.00} from XXXX  XXXX. I preceded to tell him that their website shows I have XXXX balance due and what proof can he provide that this is legitimate account. He stated that there is nothing that he could do. I asked if he could send a statement or itemization, he said that I could request one online with them but it would take more than a month to get and by then I would be reported to the credit bureau! I said ... hold on. This had better not come close to being reported to my credit. I have an 800+ score and would have paid XXXX  had they shown a balance due on their site. He laughed at me a couple of times during the call. I asked if the call was being recorded and I don't think he answered. I hope it was. The last time he laughed, I asked if he had a supervisor and asked to speak to that supervisor, he said please hold while I see if I can do that, and abruptly and purposely hung up on me. 

So now we have 4 blatant violations to privacy and collections calls committed in one day by this collections agency and they need to be held accountable. 

1. Leaving debt collection attempt information on a VM ( 3rd party disclosure ) 2. Demeaning and belittling conversation ( laughing at me ) 3. Not forwarding a call to a supervisor when asked ( again a requirement ) 4. Intentionally hanging up on a customer. 

Not only do companies like this give all collections and the companies attempting to do things correctly and helping customer 's through their situations, a bad name, but it is hurting our ability to actually do our jobs out here. 

I want this company held accountable for these actions and seek compensation for the violations stated above. 

FYI. I have also filed with the XXXX  and will be submitting a complaint to the Attorney General of the State of Arizona. 

These types of practices can not continue if we are to have legitimate collections be able to succeed.

Company response to consumer: Closed with explanation