United Collection Service, Inc (FL)
Consumer Complaints
There are over 60 complaints on file for United Collection Service, Inc (FL). Dated between 2019-10-09 and 2015-06-10.
Complaints Page 2
2018-02-22
Bellview, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-01-19
Jupiter, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-18
Macclenny, FL
False statements or representation
Debt collection: Medical debt
Indicated you were committing crime by not paying debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-13
Tallahassee, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-22
Ocklawaha, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: i contacted XXXX county evac and was told this would be taken off my credit as I do not owe it. It should have been paid by XXXX. They had all our insurance info.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2017-09-06
Nashville, TN
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services.
*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus.
I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-05
GA
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.
Company Response: Closed with explanation
2017-08-25
Coconut Creek, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Recently a complaint was resolved between me and United Collection Services on XX/XX/2017.
CFPB Complaint:XXXX The terms which were made by Manager XXXX XXXX XXXX ( XXXX ) stated that my collections would cease and that all reported information to the credit bureaus would be deleted entirely. It is exactly 20 days later and the fraudulent collections are STILL being reported on my XXXX credit report preventing me from acquiring new credit.
Please confirm the removal of all collections and forward them to either me or the CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-16
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear UNITED COLLECTION Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that UNITED COLLECTION send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by UNITED COLLECTION to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
Company Response: Closed with explanation
2017-08-14
Winnsboro, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: XXXX XXXX, 2016 {$350.00} I called and notified the collection company that this is not my bill when it was received in 2016. This is a Bill for a XXXX XXXX XXXX in Florida. Which is not my name nor a name I have ever gone by. The last 4 of the Social Security number on my credit report that was also included on the report is not my last 4. When I spoke to someone at the company last year they said they would take care of this I even told them the last 4 of the social was inaccurate/ not my final 4.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2017-08-01
South Florida, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-13
Dunnellon, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: ****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and United Collection Service these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all 3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights. <P/> In th e US law encyclopedia, XXXX XXXX , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-05-30
Macclenny, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-04-24
Dunnellon, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: Th is debt has not been " VALIDATED '' you did n't give me the opportunity to validate before add ing it to my credit reports. YOU ARE I N VIOLATION OF FCRA and FDCPA laws. Its evident that United Collection Service do n't have proper documentation to collect this invalid debt. You do not have access to files allegedly SIGNED by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from United Collection Service. I have the right to request documentation with my physical signature ; as ide ntity theft is at an all time high. I 've sent a complaint to BBB as well as I 'm in XXXX with the tactics of this company and how they 're destroying my credit worthiness. Feel free to respond to this complaint with '' HIPPA RELEASE '' - Medical records and or Documents signed by me. If United Collection Service have a right to collect, they have a duty to produce legitim ate validation. Until I receive documentation requested ; my HIPPA rights are being viola ted. Producing a statement from some medical facility with diagnosis codes, procedures, a date of birth, and address does not validate this debt as mine. Your acts are damaging and disheartening. THIS IS NOT MY DEBT.. However if this can not be fixed within 5 days I have no choice but to file a HIPAA complaint with XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-04-04
Dunnellon, FL
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt is not mine
Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-04-04
Dunnellon, FL
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt is not mine
Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent United Collections certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once againthis alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-04-04
Dunnellon, FL
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt is not mine
Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-04-04
Dunnellon, FL
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt is not mine
Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-04
Dunnellon, FL
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt is not mine
Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent United Collections certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once againthis alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-03-15
GA
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt was paid
Complaint: This debt was paid by XXXX XXXX charity program
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-03-14
Daytona Beach, FL
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-30
FL
Cont'd attempts collect debt not owed
Debt collection: Medical
Debt is not mine
Complaint: I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-01-08
Quincy, FL
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2016-11-29
FL
Disclosure verification of debt
Debt collection: Medical
Right to dispute notice not received
Complaint: I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-14
Bethlehem, GA
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Complaint: I have asked United Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation