United Collection Bureau Inc owns my debt. Should I send a DV?

I'd hit them with a DV letter so quick it'd make their eyes water. It sounds like one of two things is going on here. Either:

1 - Citi recalled the account from the first CA and sent it to these guys.

- or -

2 - The first CA couldn't produce validation when you called them on it, so they sold the debt to CA #2 to cut their losses.

I think it was probably sold to another CA. I'll send a DV letter in a timely manner.

I was NYMatt and now I'm rawpaw32.I had to rejoin and my username was changed to my email address. Go figure. :x

Glad you got the username straightened out. Let us know what happens with that second letter. My bet is that they can't/won't validate it, either.

Best of luck!

it wasnt sold, guys--if the CA is directing you to send payment to the original creditor, then the OC still owns it. If the CA owned it, they would tell you to pay them.

United Collection Bureau Inc does a lot of 3rd party contingency collections for Citibank. They also like to break the law!!

You're right soaplady, they called me a few months ago and left a message. The guy said he was in the 'litigation' department and that if I didn't call him back immediately, the 'file' would be out of his hands and said 'good luck, you'll need it'

I sure hope the bankruptcy trustee hits this company hard. I received a second letter today in the mail from these idiots trying to collect on a debt that is included in my bankruptcy, but they did not file a claim, so they will not be paid :evil:

I will be faxing this letter to my attorney and the bankruptcy trustee first thing Monday morning.

They dont care what you do , they handle piles of lawsuits every day, but show 25 mil in income yearly anyway.

They will care if the AG shuts them down!!

attempting to collect on a debt in BK petition and you didn't file a claim is contempt excub.that can and will get this bottomfeeder at least temporarily ordered to cease all activity not just that one action.

Contact Jeffery Hyslip at 866-339-1156 he will sue them

UCB if collecting 3rd party doesnt have to file the claim...Citibank does. CA's often get accounts that are included in placements.....there is no liability if they call and the consumer informs them of the bankruptcy and provides the bk information or attorneys name. At that point the account should be closed by the CA......however some collectors are lazy and do not complete the closing process. If the CA calls again after being notified, then they are liable.

So Soaplady, what you are saying is even though the original creditor had the account at the time of my bk filing and they did not file a claim, but they can still sale it off to some junk debt buyer like UCB?

I'm in the process of disputing my credit reports also, because UCB is reporting on them, which they should not be. By the way, UCB has been notified of my bk because the last time they try to pull this s***, they were warned by my bk attorney, and the bk trustee's assistant.

I hope they rot in hell :twisted:

I was talking about 3rd party collections, where the accounts are assigned, not sold.

Well lets answer your questions. First if you would just stop trying to figure out how not to pay your bill that you did in the first place. Second not all collectors are bad. I myself do the job for the right reasons yes to make a living for my kids but I love to help other people out with a plan. Most people don't even see there self's getting into a finical mess. Thirdly, If some of you would just return the call made the first time and talked to them about your bankruptcy give info they requested or worked together to find a solution to your problem so we can stop calling. That saves me and you time from tracking you down. Yes tracking you down 1 call to family friends and neighbors yes it's legal (the national don't call list does not apply to bill collectors this list was made for sales calls) collectors don't sell anything they work to get your bill paid. What are the reason's we get lets see ..... I moved, forgot about bill ( gets statement every month in mail) , I DON'T KNOW, thought it was taken care of already, identity thefts, you co signed, sick, thought you could hide forever and hard times. Well most collectors act with in the laws. I educate advise of state laws , federal laws and what could happen if this is not taken care of now. Which if you read the contract you signed. Yes these contract do state. things like late fees, higher interest, over the limit fees, collection fees, attorney fees , also sell your debt and the fees still apply. O'ya the company that buys your debt, under federal law it is legal to show again on credit report that's 2 hits for one bad thing ( No these cant be removed off your credit report ( unless not valid) once you pay , if paid in full or settled out the company that owns your debt has 30 days to report to your credit, the credit reporting agency's has 30 days to update. YES PEOPLE IT"S IN THERE YOU SIGNED IT. You should have contacted your creditor at the first signe of trouble. Don't stop till you have it worked out, get it in writing , name of person talked to might help. YES PEOPLE IT"S IN THERE YOU SIGNED. Be ready I've even heard some of you have called your creditor made arrangements with them and still end up in collections. Well if you where late at some point in your contract with the payment they can sell your contract to any one they want. common practice with mortgage company and banks just about anything signed for money or property. states they can call due the balance at any time once you default bye being late on your payments.There are company that will sue you if your state allows it. This people is a judgment. Yes judgment means leans on your property or against you . What Things lets see you have told us checking accounts, homes,savings, boats,airplane's and cars I see it on credit reports allot . Wake up people!!! We as collectors did not ask you to sign the credit card contract and we didn't tell you to spend it or not know what you signed. Collectors donut need the threats ,nasty talk and the other mean things. Bottom line we are people too. The middleman , Just return the call pay in full, settlement or monthly payments secured. Stops all calls . We are tough to work with you to figure out how best to resolve this matter that started it in the first place. Like loans, moving balances to other card if allowed etc.

Merry Christmas to all
Collector

Well that's all well and good collector man but for the most part we are dealing with about one half of a percent of the total debt collectors that use illegal means to extort money from people. I will never advocate not paying your bills but I would never pay a junk debt buyer a penny until a judge tells me I have to. As long as you obey the law, you'll not get any grief from me but I'll believe it when I see it.

O is see. We are trying to extort money from people? How about people buying things on credit and not paying for it? This that not stealing? Again against the law. Why would you not pay a debt buyer? They are not the ones who held the gun to your head as you signed the contract or used that card. Yes please wait till a judge tells you to pay ( HM MM bigger hit on your credit report and attorney fees) This is what I mean. Why would you say that cause a debt buyer bought your bill? Do you say that to when your mortgage company sells your mortgage to another company? No you pay it!!! You people that know you willing got the credit and used it why do company have to go threw all this to get there money back? I have to say it's thinking like this that gets this world into trouble. wake up, look around and thank even the debtors for the hard times we are getting ready to face (as well as the credit company's). Yes the government should have gotten with credit card,auto, finance company's,etc to regulate them. The bottom line to all this comes down to you the ones who had to have it now worry about paying it later. Then cry about it when all goes wrong or look to sue a collector cause you had no clue. So those of you that have bills in collection Think twice the next time the phone rings at home , work, family,neighbors or your cell could just be the bill collector getting there clients money back. It's come down to the people who have bills in collection don't like being confronted. You all use the wording Harassed by collectors. if you do owe the debt , Is it Harassment to the backer of your credit line when you dont pay? Some state anything stolen over $1000.00 is a felony and time in jail. What is the differance here? But again people dont pay your bills. What has America come too????

Hey UCB Collector, Have you ever heard of volenti non fit injuria? How about Contributory negligence? Or what about unjust enrichment?

Right there you have no right to collect on debts.

As an ex collector, I am going to address this. UCB Collector needs to get his head of the sand...he sounds like one of the collectors down in the Florida who are notorius for breaking the law. How do I know?? UCB has paid my family TWICE for major fdcpa violations!! It wasnt that we didnt want to pay our bills....however we didnt ask for 9/11 and the fallout of job loss. Nobody asked for a recession and layoffs. However when CA's like UCB start calling my in laws (even though they had our home phone number and had been communication with my husband) and leave messages on multiple answering machines that they are sending the police out that afternoon to arrest my husband....well, then you know why forums like this exist.
Most collectors dont know how to listen anymore....they want what they want and will take nothing less. Nevermind that the rent still has to be paid and the kids fed on a 40% reduced income. Yeah I know about goals and covering your draw...but using fear and rudeness as a tactic doesnt cut it. A good collector doesnt go into a call with an attitude that "they" are owed the money. A good collector goes into a call to resolve the situation, in most case taking payments. Most people would pay IF they had the money and making idle threats is what is causing the phone to go unanswered.

Anyways, thanks UCB for paying off our past due Citibank account....and the trip to Disneyworld!!!

WAY TO GO SOAPLADY!!!!!!!put the putz in his place.

Has anyone had any luck in receiving credit letter for your file once settlement has been paid in full to United Collections? I have been given the round around since mid October for this request. My final payment to them was on 9/30/08 and have not received the letter since then after numerous requests.

My last communication with them was on 11/6/08 which they restated letter is in the mail after re-verifying my home address...wth? It doesn't take 2 1/2 month for this bet if I still owed money communication would be no problem. Not trying to be bitter but its frustrating trying to get a response. I since then have filed a complaint with attorney general and BBB so we will see what happens.

When a CA first establishes contact with you is the initial contact supposed to be by snail mail?

My credit card account which delinquent was sold to Fidelity a year ago. I made arrangements to pay over a year which to my great pleasure was completed in February. To my surprise I get a letter from UCB stating I now owe them money (which has doubled in the last week). A call to Fidelty revealed that UCB had bought my acct and 2 payments were not posted. I have attempted to straighten this out with UCB which in an extremly rude matter told me it is my problem. Mr. Rudness talked over me the entire conversation and basically said if I was telling the truth I should not worry about the letter and calls,

UCB has a very rude way to call people. They try to pressure with the law suit idea. I have told them I have been in contact with Citi Corp to resolve the payments. UCB told me I need to tell them the arrangements. I told them NO WAY it was worked out with Citi Corp. Mr Rude told me HE would send me through the law suit way quicker than I can pay.

UCB is known for the BULLINESS of attempting to intimidate people. They attempt to talk over you, put you down etc... They are not profesional in any manor. There problem is that if you pay the credit carrier themself, instead of UCB, UCB lost money because they baught the "bad" debt. UCB loses money. TOO BAD!!!!!!!! More people need to talk to the crediter and attempt to work out a payment arrangement with the crediter. NOT UCB. Don't let UCB intimidate you!!!

If you paid your debts to begin with, collector's wouldn't be needed. You obviously don't pay your debts or you wouldn't be filing bankruptcy. Don't get mad at people for doing their jobs because you slacked off and didn't get your own business taken care of before it went to collections.

Guest....we arent getting mad at them for doing their jobs....we are mad at them for breaking the law while doing so!!

Slacked off?? You might need to take that silver spoon out of your butt and read a newspaper. People have lost their jobs, companies have been downsized and jobs shipped off shore! People are having trouble paying for basic necessities like housing and food. They worry enough about keeping the lights on ....have scum bag collectors calling threatening legal action they cannot take, threatening arrest and other sorts of nonsense.....well it is a bit much.

There are legitimate things on my credit report, I do plan to pay them. I'm currently figuring out how much i can contribute to that.

HOWEVER. I still refuse to pay medical bills from 5/2006.

Why, you may wonder? because I was 16 years old, and had bad credit, that equifax has "verified" somehow as legitimate. Though I thought minor's bills went to their parents...

Imagine being 16, getting phone calls being yelled at, told that you will never get a credit card, buy a house, etc. pretty much being told if I didn't come up with over 15000 by the time I turned 18 my life would be over. it wasnt pretty. this all on top of losing my boyfriend in the accident that created these bills!

I understand doing your job. but then theres just plain evil. I mean I'm pretty I shouldnt have started off with bad credit. I never had "no credit"

They have called and left messages on my cell phone everyday. They suck!

trying to collect a debt thats not even mine. what a joke

they hav been telln me 4 months they will send me a letter. well im still waitn and nothn. stop lying and get a life. start treatn people w respect and not like idiots cuz were not.

they hav been telln me 4 months they will send me a letter. well im still waitn and nothn. stop lying and get a life. start treatn people w respect and not like idiots cuz were not.

Oh my lord, ahahahahahaha.... I created an account just to comment about these "debt collectors" from UCB. Grammar and spelling mistakes happen to everyone, its human to make some mistakes, but you two UCB Reps have got to be the most uneducated fools I have ever come across.

If you want a consumer to pay in full the first time they are shamed by you on the phone then I bet you also want to ride a Unicorn to work. 100% of collection agencies lie 100% of the time. You UCB thugs might not understand this, you lie because you are ignorant to the laws you must follow. Ignorance is not an excuse to break the law, but you jug-heads seem to think it is. Maybe the morons that run that company have brainwashed you, but the FDCP/FCRA are available for you to read so that you can understand the law.

Im glad to see people exposing this bottom feeding CA. Send these sanctimonious turds back to the dirty toilets of hell from which they were spawned.

Mr. Rudy Jones of UCB is a dirtbag. He threatened to have me arrested by the Palm Beach sheriff and I'm no where near FL. I went out and got a lawyer that specializes in suing scumbag debt collectore like UCB. Now they leave me alone.

Quote:

got a call from UCB looking for my daughter, they want a call. are they ligit??

no they are not legit.not by any stretch.

Actually they are a licensed legit agency. They do a lot of third party collections for Citibank and Amex. There methods though are notoriusly illegal.

I like them...they paid me fast for 2 violations,.

The same exact thing happend to me a few days ago~

I'm just starting to deal with UCB over a delinquent "business" credit card with Chase. I an a sole propriator. Does the fact this was a business card instead of a personal credit card make any difference in collection law or procedures? Thanks!

Did you personally secure it?

I received a collection letter from UCB saying I owed $168.40 to Miami U. I vaguely remember paying off my fines to Miami U but it was several years ago & I no longer have the proof. So I sent a debt validation letter to them. I received the response yesterday, along with a printout from Miami U showing when the fines were accrued in 2002, interest in 5/03 & my payment in 8/03. But also included in the charges are charges dated 5/27/10 for Agency Finance Charge & Agency Collection Expense, totaling $87.40 which is what they now say my balance is.

So the original fines are paid & they even acknowledge that payment. Interesting how they didn't acknowledge it in the original letter. But now 7 years later they're trying to charge me finance charges & a collection fee!

I'm waiting for a response from the Bursar's office at MU. They responded to my original e-mail & asked for some additional information. What response would you send to UCB?

you are probably talking to the wrong departtment at the school. You should probably be talking to the collection department at the school...they are the ones charging you the collection fees and will have put the hold on your record. You may have paid the fgines but not your entire balance...and yes they can do it. No SOL on public school debts. Plus you agreed to pay all the costs of collections.

They should be charged for impersonating a government official or a law officer. They cannot get away with this. I called the 800# my sis in law got from them and I asked them why are they calling my fmaily worrying them over this when "united" already has my phone# and I have already set up a payment plan with them? The lady with united got mad at me and hung up on me.

So i called back and insisted on talking to someone. Why is it I make payments and pay off my debt but yet they make up stories and harras you and impersonate people?

United slanders people and breaks the law.


My biggest question here is,

Can United have you arrested?

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm




Just to be heard, I was threatened to be arrested and threatened with law enforcement.

United let me make one thing clear, You "will not" threaten me again with the law or so called FBI scam again. And yes even if you out source your so called investigators to find people they still represent "united" and yes you are responsible for everything they say and do.

Get a life and get with the program.


Yes I owe money just as the rest of the country does and yes I am behind just as the 75% of this country is. For god sakes the government is behind on their bills.


UNITED and your so called Locator people need to stop!!!

For any one dealing with legit or illegal debt collectors OR scam artist/companies, you need to follow one rule:

Ask for proof. Send a simple VD letter. Most of the time they will stop contacting you and collections. If you sent them a VD letter and they are still doing illegal activity or practices against you, please contact your State Attorney OR contact an attorney and sue them ASAP!

Don't even warn them either! If you have good proof (digital content, papers or recordings) of their illegal activity or practices, well that's all you need to make a good case. It's that simple to get rid of these scum bags :)

They called my father today and told him they needed to serve me a summons for a bad debt. Needless to say whn my dad called, I reminded him about FDCPA and that if it was legit all they could do is ask him (as a 3rd party) for my number or address or for him to give me a message to call. The scumbags tried to call my cell and unlisted home #. Middle-Eastern accent said his name is Marcus Rivera and left a message on my home voice mail. Said they needed me to call 888-321-4888 and confirm my address to them so they could serve me papers for a bad debt at my home or place of employment. I think these dirtbags try this once every 6 months. This was the first time, however, that they have ever called a relative. I'm also concerned too because they knew a lot of my dad and stepmom's info and I have never used them as a reference anywhere.

Thoughts?

the ease these scammers,or anyone can get info on a person including friends and relatives is ridiculous.have anyone they call file not only police reports,but FTC complaints as well.get all the complaints you can out there as the FTC will act,but need an awful lot of complaints.that is what needs to be done.