Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: PA

Complaint narrative:
Formal Complaint Against : USCB Corporation Complainant : XXXX XXXX, XXXX of XXXX XXXX ( a local, family-owned small business ) Original Creditor : XXXX XXXX XXXX Debt Collector : USCB Corporation Account ( s ) in Question : XXXX ; XXXX Total Amount Claimed : Approximately {$4000.00} Summary of Complaint : This complaint details an unfair and deceptive collection action being pursued against me, a fully insured patient and local small business owner, by USCB Corporation on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX " XXXX XXXX XXXX '' ). XXXX surprise medical bills from XX/XX/year>, now totaling nearly {$4000.00}, have been placed on my credit report as collection accounts without proper prior notification or a reasonable opportunity to resolve the claim with my insurance carrier. This action creates an undue financial hardship and is contrary to the community-focused, non-profit mission of the original creditor. 

Detailed Narrative of Events : Background : In XX/XX/year>, I required emergency ambulance services from XXXX XXXX XXXX. At the time of this service, I was a resident of XXXX  and fully covered by my health insurance plan. 

Lack of Proper Notification : I received no certified mail or other formal, itemized bills from XXXX XXXX XXXX detailing these charges. My first substantive notification of this alleged debt was when I discovered XXXX collection accounts from USCB Corporation had been placed on my credit report, causing significant harm to my personal and business credit standing.

Unfair Shifting of Administrative Burden : Upon contactin
g the collection agency, I was informed that my insurance carrier had rejected the claims. As an insured patient, there is a good-faith expectation that the medical provider will meaningfully engage with the insurance company to resolve billing. Instead, the entire complex administrative burden of appealing an out-of-network claim has been unfairly shifted to me, long after the fact. This constitutes an unfair business practice. 

Unconscionable Demand & Undue Financial Hardship : XXXX XXXX XXXX is a non-profit organization that offers an annual subscription for approximately {$75.00}, which waives all out-of-pocket costs for emergency services for an entire household. The demand that I, an insured resident and local small business owner, now pay {$3000.00} is unconscionable and stands in stark contrast to their own community-based pricing model. This collection action places a severe and undue financial hardship on my family-owned business, straining our credit and impacting our ability to operate and provide employment within the same community XXXX XXXX XXXX XXXX XXXX 

Refusal to Negotiate Reasonably : The collection agency, USCB Corporation, has been unwilling to consider a reasonable resolution and has offered no meaningful assistance, instead insisting on payment for the full, inflated amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation