• Report: #192029

Complaint Review: UCB, United Credit Bureau, Citicards

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  • Submitted: Wed, May 17, 2006
  • Updated: Fri, July 14, 2006

  • Reported By:Brooklyn New York
UCB, United Credit Bureau, Citicards
9078 STATE RD 84 Fort Launderdale, Florida U.S.A.

UCB, United Credit Bureau harrassment , illegal, unethical collection agency Fort Launderdale Florida

*Consumer Suggestion: payment plan

*Consumer Comment: dea anonymous

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I got a call from someone on my cell phone concerning a debt I am responsible for. I told her that I did not have all the money to pay in one shot but I was willing to negotiate monthly payments, she said "No we want $2000 right now." I know my rights and I know that collection agencies are supposed to work with you on a payment schedule so I questioned whether this was a legitimate phone call.

I said "I want proof of this debt.." so she said "well Citibank DID contact you several months ago about this." I said "People sell information on other people everyday, now I want proof.." since she was no help, I hung up on her and decided not to pick up ever again. They dont want to set up a payment plan (which is against the law.. then I dont want to pay.)

Im still in college so I know that when Im older and want to buy something expensive (like a house where I need to take out a loan....) this stuff wont be on my credit report anymore, thats why Im not extremely worried about this debt. Now, I am getting harrassing phone calls from UCB telling me to "shut the *&*& up." I get 5-6 calls a day. I picked up my phone and said "all these phone calls will be recorded"....and there was silence.

they no longer spoke on the phone as if they knew that they can honestly get in trouble for their unethical business practices. Now, they decided to leave me a message (very politely) to have my attorney's contact them (they are trying to scare me by thinking that there is a pending lawsuit when there ISNT.) I read other reports on UCB and apparently, they try to scare alot of people with the word "lawsuit." Im 19 years old... i dont have an attorney nor am I scared.

I plan on sending them a cease of communication letter soon as well as calling Citibank to complain about the great collection agency they contracted.
Im on here wondering.... has anyone gotten any results in telling them to back off? Has UCB successfully brought someone to court and garnished their wages etc?? Let me know! Thanks

Brooklyn, New York

This report was posted on Ripoff Report on 05/17/2006 05:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/UCB-United-Credit-Bureau-Citicards/Fort-Launderdale-Florida-33324/UCB-United-Credit-Bureau-harrassment-illegal-unethical-collection-agency-Fort-Launderd-192029. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Suggestion

payment plan

AUTHOR: Don - (U.S.A.)

There is no legal right to a payment arrangement. However, if you send in payments every month (or whenever), they will still cash the payments, and it will go off the balance. Whether this is something that you work out with them or not, you vcan still send in payments. If all you can pay is $40 a month (and want to pay it), send it in. Or call them make your payment. It is very rare that a collector will say no to you making a payment.
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#2 Consumer Comment

dea anonymous

AUTHOR: Tracy - (U.S.A.)

what I did was contact the bbb in my area and place a complaint. I also have recorded proof of the actions ucb uses. I also sent a Cease and Desist letter certified so I have proof that they got it. I got letter back from BBB that UCB is to never contact me again. It wont take off the credit report, but like you said, you are not worried about that. I dont know if they have ever really prosecuted anyone, but I do know from talking to their attorneys office that If you already have alot of debt, odds are they will send the file back to UCB . That was from Rita at thier attorneys office. I also found out from Rita that UCB has no right to threaten to sue unless they have the file on its way to their attorney. So if the collector is still calling you I seriously doubt they are telling the truth about it. Good luck!
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