Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: OH

Complaint narrative:
Hello there, I want to thank you for always being there for XXXX came today through this claim to express what XXXX XXXX remember once seeking online classes for XXXX ( XXXX XXXX XXXX  ) to have some information for having a XXXX certificate the true is I didnt know exactly where I went. But received a call from unknown number she was a lady unfortunately I couldnt remember her name and the number, she said she was XXXX of representatives from XXXX XXXX XXXX on XX/XX/XXXX cause she saw my online request thats she wanted help me. 
I agreed and she explained to all the process and I paid {$20.00} for the enrollment, she told me all the details and process takes about a year depending on the way youre learning and I have to choose how I want it to be, if I choose to go fast like every day it can take 3 months to 6 months since I have chosen XXXX year class the amount of credit provided is {$920.00} and the dollar amount, the will cost me {$200.00} and the cost of my credit is yearly rate 31.91 % which gives the total amount of {$1100.00}, the said I XXXX be charged some additional taxes fee apart from {$12.00} after XXXX or more days late. So since I was unable to pay in full we agreed to pay monthly. Which would be $ 79 monthly for 16 months. 
So the amount was included tuition charge {$980.00}, registration fee {$190.00}, shipping fee {$65.00} ( I dont even know which shipping they were talking about. ) and automatic payment should be paid every XXXX of the month where the first payment supposed to be made on XX/XX/XXXX. 
She promised to send me a book ( XXXX ) but I never received anything. 
So here is the problem, I never knew first how to login and where to start, I was hopping to receive any website where I could login to learn the program. I wait for almost a week and receive a XXXX message from them on XX/XX/XXXX at XXXXXXXX XXXX with a link to remind me of my online classes, I opened and go through the first part. I was a little bit confused about cause there was no any explanation regarding each step of the course.and I logged out.after a few moments I think on XX/XX/year> was the day I took the statement of the lesson I took on XX/XX/year> at XXXXXXXX XXXX Since that day until I never logged in back. Cause of the accident happened in my work place on XX/XX/year> at XXXX XXXX. I was injured on my face by the XXXX XXXX on my left side of my face, I almost lost my vision and it took me more than 41 days without working and the company never paid me anything while I was home, I even was unable to pay my order bills cause the company has not paid me anything or any compensation. So when we become on XX/XX/XXXX my cousin told that I had a message from XXXX XXXX to remind me that my payment was declined. Cause I had a blurry vision. Until I resigned from the company I havent been paid and I resign from the company on XXXX the same day I received an email from them to tell me that I completed only 15 % of my classes and 55 % of the exams and I have to continue.i have never got back to them cause of my health condition and financial issues. 
Before that I received an email from them on XX/XX/year> to tell me that my account will be suspended in 5 days.and I remember never reacting back to those emails cause I also wanted to cancel as well. 
Since I resigned from my last job I have not found any serious job to submit my responsibilities And I was surprised to see an email from XXXX XXXX to tell me ; this is the final notice to let me know that they reported the payment to the collection agency. 
And after 3 days I received a letter from USCB Corporation to say that I have {$1400.00} which was reported by XXXXXXXX XXXX.and my question was how come I only assisted twice, I have never received any thing from XXXX XXXX XXXX, if they would have to charge me for a month I will agree cause I remember login and learning for few minutes. And the amount offered me was for 14 months which will expire until XXXX of next year ( XXXX XXXX XXXX XXXX they cancelled them selves. 
The reason why I was unable cause I had no more computer. 
I havent contacted them cause XXXX facing a financial problem until the day of today.why are they doing this, thats not to be honest even they decided to charge me for the day I logged in that is not the amount. 
I have all the prove of my medical records and all the evidence of their emails and texts messages if you would like to see that.

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