Consumer complaint received 2023-11-22
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, formerly known as XXXX XXXX ( hereinafter referred to as the " Consumer '' ), am writing this letter in accordance with 15 USC 1692g ( b ) to provide formal notice of the following matters : 1. The debt in question, in whole or in part, is currently under dispute.

2. The Consumer formally requests verification of the debt.

3. The Consumer formally requests information regarding the name and address of the original creditor.

4. The Consumer formally requests validation of the debt, including but not limited to the chain of title and a comprehensive history of changes and payments associated with said debt. 

Furthermore, I assert that the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, mandates the termination of all communication from USCB America pertaining to the debt you are attempting to collect.

CEASE & DESIST COMMUNICATION In accordance with the FDCPA, specifically 15 U.S. Code 1692c, this letter serves as my formal declaration to terminate and cease all communication from USCB America in regards to the debt you are attempting to collect. I demand USCB America cease all communication through any and all mediums except by mail, only in regard to remedy. 

This Cease and Desist extends to communications with my spouse, child, siblings, parents, and any family member you attempt to reach out to via any and all mediums as well. The only exception is if and only if it is to : - Provide proof that I have any obligation to pay you the alleged debt. 
- Provide all un-redacted forward flow documents that legally and lawfully verify and validate the alleged debt. 
- Notify me that you have removed all references to the alleged debt from all credit reporting agencies. 
- Inform me that USCB America is issuing the financial remedy for violating my rights, that is yet to be determined. 

Additionally, any third party that USCB America uses to coerce the collection of this debt shall also be in violation of federal law. 

DEBT VALIDATION REQUEST Please be advised this is not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the FDCPA, I have the right to request validation of the debt you say I owe you. 

I am specifically requesting proof that I am indeed the party USCB America is asking to pay this debt and that there is a contractual obligation binding me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Currently, your offices are collecting on my credit report ; however, allow this correspondence to serve as a warning. If USCB America reports invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. 

Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate to bring legal action against USCB America for the following : Violation of the FDCPA, HIPAA, and Defamation of Character.

Under the law, non-compliance with this request could put USCB America in serious legal trouble with the FTC and other state or federal agencies. If USCB Americas offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information, and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for a lawsuit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Please send in writing the following information as validation of the alleged debt : - Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
- Any insurance claims that have been made by any creditor regarding this account. 
- Any judgments obtained by any creditor regarding this account that show the alleged debt is valid. 
- Name and address of the alleged creditor. 
- Name on file of the alleged debtor. 
- Alleged account number. 
- Address on file for the alleged debtor. 
- Amount of alleged debt. 
- Date the alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to the collector.

- Complete accounting of the alleged debt ( please do not send a general statement ) i.e. accounting ledgers, record keeping books, transmittals showing that this alleged debt belongs to the consumer.

- Commission for debt collector if collection efforts are successful.

- Certified Documentation showing the Company is licensed and bonded to do business in the state of California. 

Please provide the name and address of the bonding agent for USCB America in case legal action becomes necessary. This claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing and consideration. 

Thank you.

Company response to consumer: Closed with explanation