Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
I am filing this complaint against United Collection Bureau , Inc. ( UCB ) for failing to provide adequate debt validation in response to my timely dispute, and for attempting to collect a debt that is not legally owed as it arises entirely from unauthorized charges that the original creditor XXXX XXXX XXXX XXXX promised to waive. THE COLLECTION NOTICE : I received a collection notice from United Collection Bureau , Inc. ( UCB Reference Number : XXXX ) attempting to collect {$220.00} on behalf of XXXX XXXX XXXX XXXX for XXXX XXXX Account # ... XXXX. The notice stated I had until XX/XX/XXXX to dispute the debt. MY TIMELY DISPUTE : I submitted a dispute through UCB 's website at www.requests.ucbinc.com before the XX/XX/XXXX deadline. This was a timely dispute under FDCPA XXXX, which legally required UCB to immediately cease collection activity and provide complete debt validation before taking any further action including reporting to credit bureaus. UCB 'S INADEQUATE RESPONSE : In response to my dispute, UCB mailed me copies of XXXX monthly billing statements. This does not constitute proper debt validation under the FDCPA. Forwarding the original creditor 's billing statements does not prove : 4. That UCB legally owns or has been validly assigned this debt 5. That the underlying charges were authorized and not disputed 6. That the amount claimed is accurate 7. That the original signed credit agreement exists and is enforceable XXXX. The complete chain of assignment from XXXX to UCB UCB 's response therefore constitutes a failure to provide adequate debt validation under FDCPA 1692g, and their collection activity should have ceased until proper validation was provided. WHY THIS DEBT IS NOT LEGALLY OWED : Beyond UCB 's procedural failure, the underlying debt is substantively invalid : XXXX. Beginning XX/XX/XXXX, unauthorized and unrecognized charges appeared on my XXXX XXXX Account # ... XXXX. XXXX. I contacted XXXX immediately to dispute these unauthorized charges. XXXX. A XXXX representative explicitly told me the disputed charges would be waived and I would not be held responsible for the balance. XXXX. Relying on that assurance, I closed the account on XX/XX/XXXX confirmed by the account notation Account Closed by Consumer on my credit reports. XXXX. XXXX failed to honor their representative 's commitment and instead assigned the account to UCB for collection without notifying me the waiver had not been processed. UCB is therefore attempting to collect {$220.00} that is not legally owed a debt arising from unauthorized charges that the original creditor 's own representative promised to forgive. This constitutes an unfair collection practice under FDCPA 1692f. FDCPA VIOLATIONS BY UCB : 9. Failure to provide adequate debt validation in response to a timely consumer dispute FDCPA 1692g 10. Continuing collection efforts without providing proper validation FDCPA 1692g ( b ) 11. Attempting to collect a debt not legally owed due to unauthorized charges and a creditor waiver commitment FDCPA 1692f 12. Risk of reporting a disputed, unvalidated debt to credit bureaus FDCPA 1692e ( 8 ) BROADER CONTEXT XXXX CFPB COMPLAINT ALREADY FILED : I have already filed a separate CFPB complaint against XXXX XXXX XXXX XXXX regarding the same underlying account. XXXX is currently reporting derogatory information across all three major credit bureaus XXXX XXXX XXXXXXXX of {$280.00} ), XXXX ( XXXX days past due ), and XXXX ( Over 120 days past due on a closed account ). I have also filed CFPB complaints against all three credit bureaus. UCB 's collection activity compounds the harm already caused by XXXX 's inaccurate reporting. WHAT I AM REQUESTING : XXXX. That the CFPB direct UCB to immediately cease all collection activity on this account until proper and complete debt validation is provided. XXXX. That UCB be required to provide complete debt validation including proof of assignment, original credit agreement, complete payment history, and itemized accounting of the amount claimed. XXXX. That UCB confirm in writing that this disputed debt will not be reported to Experian, TransUnion, or Equifax while the dispute remains unresolved. XXXX. That if UCB can not provide complete debt validation, they be required to close this collection account and return the debt to XXXX with a disputed and unverifiable notation. XXXX. That the CFPB investigate UCB 's practice of responding to consumer disputes with original creditor billing statements as purported debt validation, which does not meet the legal standard under FDCPA 1692g. ACCOUNT DETAILS : Collection Agency : United Collection Bureau , Inc . UCB Address : XXXX XXXX XXXX, XXXX, OH XXXX UCB Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number ( last XXXX ) : XXXX Amount Claimed : {$220.00} Dispute Submitted : Before XX/XX/XXXX via www.requests.ucbinc.com UCB 's Response : XXXX monthly billing statements legally inadequate validation

Company response to consumer: Closed with explanation