Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Check Recovery Bureau, Inc.
State: LA

Complaint narrative:
Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, L A XXXX Company : United Check Recovery Bureau XXXX XXXX : XXXX, XXXX XXXX Issue : Attempts to collect debt not owed / improper debt collection / failure to validate debt Complaint Narrative I am filing this complaint regarding repeated collection attempts by United Check Recovery Bureau ( XXXX ) concerning an alleged debt originally attributed t o CashNetUSA and now claimed to b e placed through XXXX XXXX. XXXX first contacted m e on XX/XX/year> via text message stating that I owed {$2000.00}. This message constituted an attempt t o collect a debt. A follow-up message was sent o n XX/XX/year>, which included a shortened and obscured URL ( s-url.pro/UCRB ) directing me to access account information. Since that initial contact, XXXX has continued sending collection emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, aggressively seeking payment and offering a reduced settlement amount of {$1600.00}. Despite these repeated collection attempts, I have not received a proper written validation notice containing the disclosures required under federal law. Violations and Concerns XXXX. Failure t o Provide Required Validation Notice ( XXXX XXXX. XXXX ) XXXX initiated communication on XX/XX/year> but failed to provide a compliant validation notice within five days. None of their communications include the required statement o f my 30-day right to dispute or that verification will be provided upon request. 2. Continued Collection Activity Without Validation UCRB has continued to demand payment and offer settlements without first validating the debt. 3. Use of Potentially Deceptive Communication Methods On XX/XX/year>, XXXX sent a text containing a shortened URL ( s-url.pro/UCRB ), which obscures the true destination and prevents the consumer from verifying where the link leads. This raises concerns regarding transparency and potential deceptive practices. XXXX. Unverified Third-Party Involvement UCRB claims the account is placed by " XXXX XXXX, '' but has provided no documentation demonstrating : transfer or assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX o f UCRB to collect Formal Dispute and Demand for Validation I formally dispute this alleged debt in its entirety. I request that United Check Recovery Bureau be required to provide full validation, including : 1. Original Contract Signed agreement with CashNetUSA All documents bearing my signature evidencing obligation 2. Full Payment History Complete account history from origination through charge-off Itemization of all interest, fees, and charges 3. Chain of Title / Ownership Documentation showing transfer from XXXX to XXXX XXXX Documentation showing transfer, assignment, o r placement t o UCRB Bills of sale or assignment agreements establishing legal authority 4. Balance Verification Detailed breakdown of the {$2000.00} balance 5. Licensing and Authority Proof that UCRB i s licensed and authorized to collect debt in the state of Louisiana 6. Credit Reporting ( if applicable ) Identification o f any reporting to XXXX XXXX XXXX XXXX or XXXX Confirmation the account is marked a s disputed

Company response to consumer: Closed with explanation