Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
I was issued a tax warrant by the Indiana XXXX XXXX XXXX. The verification stated that my debt had to be turned over to a collection agency called United Collection Bureau ( UCB ) and could include wage garnishment or a bank levy. I have XXXX different bank accounts in my name. Community Wide and XXXX XXXX. XXXX I use for saving and the other is to pay bills. On XX/XX/year> I saw that XXXX was taken from my account for a stated tax lien. When I went on the XXXX website I saw that the posted on XX/XX/year> and updated on XX/XX/year>. On Friday evening I went to check the balance on my XXXX account and it was in the negative for close to XXXX. So when I went to the branch that Saturday to inquire why my account was negative that much and they stated that a lien was placed on my account. I then proceeded to show the teller that the monies already came out of an account back on the XXXX and I no longer owed that debt but unfortunately since it was a State lien that they could not release without verification from UCB. So on Monday morning I called UCB to complain because now all the bills that I tried to pay have been rejected and my bank charged me a XXXX legal fee to process the tax lien. Because I did call and complain they faxed over the information to XXXX so that the lien could be released. I did ask to file a complaint with the company because I feel the same way that the information that was faxed over that day should have been faxed over on XX/XX/year> information to the bank. When I spoke with XXXX XXXX regarding my complaint basically in a nutshell the company is not accepting any responsibility for this miscommunication. The agent ( s ) that I spoke with at UCB were able to tell me both the name of both bank accounts that the lien was sent to so it was in their system. If I as a consumer never would have contacted UCB then that lien would still be on my account. I feel the UCB dropped the ball in this scenario because like I stated previously the same way they were able to fax over the documentation to XXXX today to verify that there in no lien, should have been done XXXX weeks ago when the debt was satisfied. When I spoke with XXXX XXXX and asked why she stated " they don't know if I have an account with the bank so I as the consumer should have contacted UCB to let them know I had another account. '' Why would I do that especially if the debt was paid. This situation is no different then a wage garnishment. Once the debt is paid the garnishee send verification to the payroll department so the the garnishment stops. So why did it take the consumer to call and complain just to get verification sent over that a debt was paid off over XXXX weeks ago. CFB dropped the ball and I feel they should be responsible for reimbursing me the XXXX legal fee that my bank charged me to process a lien that was already satisfied and did not need to be processed. I do not wish to speak with XXXX XXXXXXXX again because this matter to me is above her at this point. UCB needs to accept the responsibility and realized they dropped the ball on this matter.

Company response to consumer: Closed with explanation