Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (AZ)

ON XX/XX/2018 I CONTACTED XXXX XXXX ON A COLLECTION THAT APPEARED ON MY CREDIT REPORT. THE CALL OCCURED AT XXXX MST. I SPOKE TO A GENTLEMEN THAT GOES BY THE NAME OF XXXX. THE REPRESENTATIVE ATTEMPTED TO LOCATE ME BY THE AMOUNT I OWED. I INFORMED OF THE AMOUNT THAT WAS OWED AND OFFERED HIM MY SOCIAL SECURITY TO WHICH HE AGREED, AFTER PROVIDING THE SOCIAL HE WAS STILL ASKING FOR THE AMOUNT. XXXX INFORMED ME HAD LOCATED THE DEBT. I REQUESTED TO DISPUTE, THE REPRESENTATIVE ATTEMPTED TO PURSUADE ME THAT THE DEBT WAS MINE, AS HE KEPT ON TRYING TO CONVINCE ME TO AGREEE THAT THE DEBT WAS MINE HE STATED " YOU ARE NOT ( NAME ), AND THE LAST FOR OF YOUR SOCIAL IS NOT XXXX, AND THAT IS NOT YOUR ADDRESS, OR PHONE NUMBER. THE LAST FOUR OF THE SOCIAL WAS INCORRECT, THE TELEPHONE NUMBER INCORRECT, AND THE ADDRESS  IS NOT MY CURRENT ADDRESS. AFTER HE RECOGNIZED THE ERROR OF THE LAST FOUR OF THE SOCIAL HE CORRECTED HIMSELF AFTER THE FACT THAT I HAD ALREADY PROVIDED MY SOCIAL TO HIM. I INFORMED HIM THAT I STILL WOULD LIKE TO DISPUTE THE DEBT. THIS DEBT WAS NEVER VALIDATED I HAD NO KNOWLEDGE OF IT. THE REPRESENTATIVE DID NOT OFFER TO VALIDATE THE DEBT. IF I KNEW SUCH A DEBT EXISTED I WOULD OF PAYED IT OFF. I BELIEVE REVSOLVE IS IN VIOLATION TO THE FOLLOWING ACTS REGARDING FDCPA:15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.