Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
I reach out to your esteemed office to bring to your attention a matter of great concern that directly affects my family and potentially sets a concerning precedent for constituents within the State of Indiana. This matter involves the actions of UCBINC, a collection agency operating under the authority of our State of Indiana, and a significant dispute that has arisen as a result. 

Central to this issue are IRS-signed court orders emanating from a Tax Court settlement ( Case No. XXXX XXXX XXXX XXXXXXXX ), which prescribed a revised Adjusted Gross Income ( AGI ) for our accounts. Despite the clear directives of these court decisions, UCBINC has pursued a claim against us, XXXX XXXX XXXX and XXXX XXXX XXXX, for {$15000.00} in personal income tax. This figure is not only outdated but grossly inflated, representing a severe discrepancy when measured against the actual tax obligation calculated based on Indiana 's flat income tax rate of 3.23 %. 

To put this into perspective, for the years XXXX and XXXX, our total tax liability, adjusted in accordance with the court-ordered AGIs, amounts to approximately {$820.00}. The claim of {$15000.00} therefore suggests an overcharge exceeding 1770.60 %, an error that we believe not only disregards the IRS-signed court decisions, but also contravenes national laws governing debt collection practices. 

Moreover, the seizure and freezing of our private assets under these unfounded claims have resulted in significant financial and emotional distress, effectively impoverishing our family overnight. It is important to note that the value of the seized assets, which exceeds {$6500.00}, dwarfs the actual debt liability, suggesting an excessive and unjust application of seizure actions by the collection agency under the leadership of the STATE. 

Given these circumstances, it is imperative that we call for an immediate halt to all collection activities and demand the removal of any levies placed against our assets. Furthermore, we assert the need for a comprehensive and legitimate verification process for the alleged debt, one that duly recognizes the revised AGIs as unequivocally established by IRS-signed court orders. It is of paramount importance to underscore that the Tax Court document has been duly recognized by XXXX XXXX, one of the highest-ranking officials within the IRS, based in Washington D.C. His signature on this document is a clear acknowledgment of the judgment as valid on behalf of the Internal Revenue Service . 

This explicit recognition by such a senior figure within the IRS not only highlights the document 's indisputable validity but also mandates that entities, including the Tax Advocacy office, adhere to the directives contained therein. The reluctance to accept this document, coupled with the insistence on waiting for transcripts that may take an extended period to be processed and integrated into the IRS system, exacerbates our financial and emotional suffering. It effectively prolongs our state of impoverishment, rendering us incapable of fulfilling our mortgage commitments and managing our essential financial responsibilities. 
This oversight, or perhaps willful neglect, by the Tax Advocacy offices of Indiana ( Contact here : XXXX or XXXX ), to acknowledge a document endorsed by one of the highest-ranking IRS officials in Washington D.C. , is not merely a procedural error but a blatant disregard for legal protocols. Such actions subject us to unwarranted financial strain and the machinations of erroneous debt collection practices. Immediate action is thus essential to rectify this oversight, ensuring compliance with established legal and fiscal directives to alleviate the undue burdens imposed upon us. 

It is critical to note that the Tax Advocacy office has overlooked the gravity and legality of these court case, treating them not as the legally binding documents they are but as mere suggestions. This office has instead requested transcriptsa process that could extend over several months before such documents are integrated into the IRS system. This delay not only undermines the legal standing of the court orders but also keeps us impoverished, rendering us unable to fulfill our mortgage obligations and meet our basic financial needs. It's important to understand that the IRS protocol does not include directly notifying states with these transcripts, inadvertently placing the onerous responsibility on individuals who are often unaware of such requirements. Currently, there exists no subsystem to update individuals on the progress of their case, making the court order not only the primal but also the authoritative document for this purpose. This document is signed by an IRS agent, thereby making it an officially recognized, signed, and certified contract by the IRS. 

To disregard this document is to follow an internal protocol that contradicts the law, subjecting individuals to the risk of fallacious debt collection practices. Such oversight is not only procedurally flawed but also legally indefensible, as it exposes us to financial predation based on a misunderstanding or willful ignorance of established legal and fiscal documentation. 

We are reaching out to your office, not just for assistance in resolving this matter but also to highlight the broader implications such practices may have on the rights and dignity of the citizens of Indiana. It is our hope that, through your intervention, we can find a resolution that respects the legal protections afforded to us and prevents similar situations from arising in the future. 

We respectfully request your attention to this urgent matter and would be grateful for any guidance or assistance your office can provide. Your support would not only help alleviate the considerable strain we currently face but also reinforce the principles of fairness and justice within our state 's operations. 

Thank you for considering our situation. We look forward to your prompt response and are hopeful for a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX to Decision : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation