Consumer complaint received 2025-01-29 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:
In XXXX and XXXX of XXXX I received notice from Indiana Department of Revenue that I never filed a tax return for XXXX and XXXX. With that being wildly incorrect I set off trying to figure out how I was suppose to fix this 5 and 4 years after the fact. It took months of digging and going to other states because my Husband and I lived in Ohio during those years to track down documents from court houses. 
On XX/XX/XXXX I submitted all the required documents at the XXXX, IN Revenue office. I did not hear from XXXX until XX/XX/XXXX when I received a letter ( letter ID # XXXX ) stating XXXX was resolved, however I never received correspondence regarding XXXX until XX/XX/XXXX when my financial institution was sent a bank levy/tax warrant of {$1800.00}. Which they promptly pulled from my checking account leaving me confused and ultimately unable to make my mortgage payment that will be due on XX/XX/XXXX. I had to call my bank to find out where the money went and a representative informed me the levy came from United Collections Bureau. I called UCB and spoke to a woman named XXXX who informed me I still owed on both warrants, and I owed even more than what they took and I needed to set up a payment plan. That sent up immediate red flags because she never provided me with an amount nor was I ever sent corresponding letters or phone calls about what debt I owed left to them. I was under the assumption that the tax debt had been resolved. I tried to explain that XXXX was taken care of with proof of the letter but it fell on deaf ears. She then stated she would put me on hold to call XXXX to validate that I still owed for both of these warrants. I was on hold for approximately 1 and a half minutes. How she was able to contact anyone at XXXX in that record time is beyond me. I dont believe she contacted anyone at all on my behalf. She came back on the line and stated yes XXXX said both warrants are still active and in collections and on XX/XX/XXXX the 90 day hold, again unaware of any holds on anything because I have been in the dark since I sent the documents in XXXX and got a letter in XXXX, was up and they were allowed to collect again. However, they waited an additional 26 days with no correspondence on their behalf informing me that XXXX still wasnt taken care of or they were going to be collecting? She stated I could contact XXXX myself, which I did and a lovely gentleman named XXXX answered the phone. XXXX was very calm as I was not at this time after the interaction with the UCB employee. XXXX was quick to find all the information I needed and was able to reassure me of several bits of information that I thought I had accurate but was told I was wrong by UCB. XXXX informed me that she was in fact INCORRECT and XXXX IS taken care of with the paper work that I submitted at the XXXX, IN location on XX/XX/XXXX. He informed me that the mistake I made was that I ultimately did not submit a state tax document for XXXX proving that I did not work NOR live in Indiana that year. I mistakenly took my federal tax return with me instead of my state. The home address and workplace is obviously the same on the federal 1040, again proving I lived and worked in Ohio but thats neither here nor there. Proof is proof. A simple mistake that I could have corrected in a few minutes on my computer with INTIME, the IRSs website to submit documents, had I known. Now I am stuck without money to make my mortgage payment/ pay my utilities and wondering when I will be reimbursed the money that was wrongly taken from me without my permission.

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