Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX I was contacted by XXXXXXXX XXXX Fraud department. 
While sitting in a XXXXXXXX XXXX, I received a call asking about suspicious charges. I told them that a hotel charge in Florida was definitely not me but I didnt recognize a large transaction on XXXX XXXX I asked the agent to allow me to get to my daughters computer to reconcile before calling it fraud. By the time I made it to her computer to review it, XXXX XXXX had already called it fraud and cancelled my CC ending in XXXX. They issued me a new card ending in XXXX. When XXXX notified XXXX that the {$600.00} charge was fraud they charged my CC back for 4 credits I had received for returned items and closed my account. I contacted XXXX and paid the {$600.00} again to reinstate my account and asked them to reissue my return credits. XXXX asked me to give XXXX a letter from their accounting department asking them to charge the items returned to XXXX and that they would not dispute it. XXXXXXXX XXXX  also asked me to send them proof of payment to XXXX from another credit card company, which I did. 

Due to the issues with our credit card, XXXX issued me a new card ending in XXXX. I used that card for 1 transaction at a gas station in the amount of {$32.00}. On XX/XX/XXXX, I was contacted by XXXX again asking about fraud on the new card ending in XXXX. I told them I didnt use XXXX and they replied that it appeared that someone had set up a reoccurring charge for any new credit card issued. I told them I wanted my account closed. I contact XXXXXXXX XXXX Security operations to rectify my account and was told I had a XXXX balance. I later found out that XXXX had issued another credit card ending in XXXX. I never received that card. I called XXXX accounting and they told me that all charges on that card were fraudulent and I was not responsible for any activity. I received the XXXX statement for the card ending in XXXX that stated XXXX balance, No payment necessary. A few days later I received I received another statement for card ending in XXXX stating I owed {$580.00}. I called and disputed all those charges and told them I had never received that card. I have spent hours going between the accounting department and the security operations team. The security team has told me on multiple occasions that your are zeroed outto give the accounting department time to have the balance catch up. 

I have been told by a XXXX XXXX XXXX ( a XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) that XXXX did not process the XXXX instructions after all and that it was XXXX XXXX XXXX fault. That it was too late to ask the credit from the XXXX vendor. That he was going to reccomend my account be cleared and my credit report be cleaned and UCB collections be removed. XXXX days later XXXX XXXX contacted me and said he had an auditor reveiw this case and stated that when THEY disputed the XXXX charge for {$600.00} it was credited to my account. That is NOT TRUE. If you look at the XXXX statements the XXXX charge backs were carried over and never credited. I don't understand how I was told by in XXXX by the XXXX XXXX 's Team and given a statement from XXXXXXXX XXXX Accounting that my account had a XXXX balance. Three consecutive XXXXXXXX XXXX credit cards that were issued to me all resulted in fraud with in a 3 week period to the point that they closed my account asking me to check back in a couple months. Their explanation was their cards had been setup on a reocuring system. I have all the statements to corroborate my dispute. I have the email from XXXX that XXXX XXXX 's acknowledged receiving explaining the process to handle XXXX collecting the XXXX chargeback to my account.

Company response to consumer: Closed with explanation