UNITED COLLECTION BUREAU - Sanju K Sharma - Jose Gabriel Ramirez - Citigroup ripoff Fort Lauderdale Florida

 Hello sir do you currently own a collection agency

comments are all lies obviously if you're not brave enough to mention your name like I did then all you are is a coward. It's been over 10 years and your stupid little comments still have not phase me. I'm doing better than ever and definitely better than you. Hey do you still work for that piece of s*** company UCB? I didn't think so that place probably ended up screwing you over to. Let's face facts most to you employees there were on drugs these comments came from drug users who thought at the time was a good idea to stick up for a man who does not give any s*** about them. Talking about Sanju. If you were anything of a good person you would mention on here that you had lied and you are sorry for the comments that you had made up 10 years ago. But you probably won't because you're a coward. That's alright because I'm rich and you're not and none of this has affected me one bit. I just thought I'd mention that 10 years later that I'm still standing tall.

I have had some financially difficulty the past few months and am wary of collection calls, have changed my phone # to an unlisted one and have a cell phone.  Since my cell phone # is known I do have an app called Call Control Pro which will block "black list" calls. 

I have had a great credit rating for years and have been hit with hospital bills and less income at work and would pay if I could.  I just don't want to be harassed or asked when I am going to pay, because I don't know.  I need to pay my House Payment, Utilities, Property Taxes, food and accounts in good standing.   So yes I am making it hard or nearly impossible to be reached by telephone.

Yesterday I see a number come up on my cell phone which is a general switch board for the multi-national corporation I work for.  Being suspicious I let it go to voice mail and it is not from my company but is a message from United Credit Bureau asking for me to call a number after a disclaimer to not listen if I am not the intended caller.  Obviously I don't call back.  Today I get a call that the Call Control blocks because it is just "419" and shortly after another call from "my company's switchboard" comes in with another message to call UCB.  I obviously am blocking that number so that they don't get my VM anymore.  So I do some research on UCB which has offices in Toledo Oh in the area code 419 and find that reports of calls from them using this spoofing tactic from other people on whocalled.us website.  I also started reading other boards including this one to find that this kind of spoofing is actually illegal.

What is funny is that since I don't work in an office but instead out of my house remotely UCB doesn't realize that the home office doesn't call me, but I deal with an office in Philly.  Since my cell phone is not company issued but my personal account I became very suspicious about the whole situation until I found this site.  These guys are scumbags and may God help them if they call any of my family members or my employer as I know where their office is in Toledo.  

The bottom line is that people are not tied to land lines and fixed phone numbers and the law protects us from harassment so companies like UCB are resorting to these tactics.   I am not taking your calls and won't sign for any certified letters so go pound sand UCB.  By spoofing your number you have made this personal and this is war which you will lose you greedy bastards.  I don't have the money to pay and I am not selling my house or assets because this is not a secured debt and you can't make me.

is available at this site!

*Just type in 608350 and it appears as 'Consumer Comment #21' at Ripoff Report #608350.

Thank You

P.S. Don't forget to type in 665528 at this site and go to 'Consumer Comment #26' at Ripoff Report #665528 to sing a song that was posted on February 25, 2011.

Hello,

My name is John L. and I worked for UCB in Fort Lauderdale.  Actually Mr. Sanju Sharma does not get involved with anybody at anytime, but is rather to himself.  I think he might even be married from what I heard.  He is rather difficult to work for, but that is only if you are a director under him.  He has done quite a bit to help everybody maintain their jobs in the company and if I ever went back to Florida, I would call his directors for another job. 
The ex-employee that moved to jaxsonville should probably look to see what is missing in his marriage if his wife is speaking to other men. 
UCB has been nothing but good to its employees and Sanju is the reason employees are allowed to come in and go as they please, as long as the employees do their jobs the correct way.  Sanju just stays in his office and minds his own business unless the managers try to terminate people.  then sanju steps in and does not allow managers to terminate people.

Sanju Sharma is a monster and a pig. He is a sick old man who takes advantage of poor young women. He offers them money or "gifts and gift cards" for sex. He tells them he cares about them and wants to help them and makes it real clear he is willing to help them in anyway he can no matter the cost.

He does not care if they are married, have an STD or whatever. He does not care if he gives them an STD. This is sick man, I guess when you have a 3 inch "member" you have to pay for sex.

I must add that if a collection agency is hiring someone with a criminal record then they cannot say they are completely helpless since they'd likely know what to expect.  Moreover the actions that the above people states (the employees) violate the FDCPA. I'd likely record all their phone conversations and file lawsuit if they are not following FDCPA. 

in my opinion.

Contrary to this "employee's" comment, United Collection Bureau,  Inc. does not have even a good reputation.  A quick check of the facts and complaints with the Federal Trade Commission and many State licensing agencies shows almost infinite complaints. Also a quick check of the Better Business Bureau (see http://www.bbb.org/toledo/business-reviews/collection-agencies/united-collection-bureau-in-toledo-oh-7271) shows that this business has an "F rating).  I have personally received phone calls from this company demanding to talk to a deceased family member about a collection matter for my son-in-law by a "Mrs. Riggins" and they have called back repeatedly after being told explicitly never to call my number again.  They are calling and disclosing that they are calling regarding a collection matter for my son-in-law which is also a violation of Federal and many State statutes.  The last times they have called I simply say "wait a moment while I record this conversation telling you never to call this number again about someone else's debt" and they immediately hang up. As an investigator for the Scammer Database Organization, I did some research on this company and they have a pattern and practice of using unprofessional and illegal tactics and the simple truth is that they "buy" accounts from many businesses and firms for pennies on the dollar. Often these debts are near or at the state statute of limitations on collection. This firm often then uses abusive and high pressure tactics trying to collect the full amount plus interest and penalties that they arbitrarily come up with which often multiply the original debt by many times.  This simple truth of the matter is that this company is known for its abusive and outlawed tactics and to say that they have an excellent reputation is to blatantly lie.

'PREY UPON' THE INNOCENT PEOPLE LIVING IN THE USA, in my opinion. Most companies in America have only one goal: To make money anyway they can, including ways that utilize- FRAUD, DECEPTION, LIES, MANIPULATION, & DEEP CORRUPTION.

WOW KARL? WHAT  DOES BANK OF AMERICA AND MERRILL LYNCH HAVE TO DO WITH UCB?

Then go to the- BANK OF AMERICA page of this site and read the recent Rip Off Report from Godsbest who received a phony $100 bill from BofA! It was really a 'washed' 45 bill posing as a $100 bill. 

I HAVE SEEN AND HEARD ALL KINDS OF SHADY THINGS WORKING AT UCB BUT HAVENT HEARD ABOUT MERRILL LYNCH. I WENT TO MERRILL LYNCH ON THIS SITE AND COULDNT FIND ANYTHING. HELP ME!!!

read the most recent Rip Off Reports for some valuable information for ALL Americans!

I don't know a whole lot about how things go in the US offices, but I can tell you it doesn't sound much diferrent than Costa Rica.  I worked at UCBs San Jose office for over a year in the Resurgent area.  A few of the special managers from the US came down and brought their drug habbits and other vices.  My manager had an afair with a collector and he was promoted to supervisor which led to an uprising and 40 people being fired, including the manager.

When all the chips fell I was left for a short time to train the people that would replace me at half the price.  I had the carrott waived for over a year and did my work well.  At the end things were unbearable. 

I was amazed at how the company did not take anything serious seriously.  One of our collectors was arrested for credit card fraud and made the front page of the newspaper here.  They didn't fire him until 3 months later when we all started asking questions. 

I had a lot of interaction with the people in the states.  All of the collectors seemed like great people.  I can also say we had some great people in Costa Rica.  I heard a lot of fear from the US collectors about losing their jobs to us.  At the end it looks like UCB doesn't care about any of its staff.  Mr. Rickart would fly down to check on things but didn't care about any of our complaints.  I here he has become so brave that he brings his girlfirend to the office now, bet Mrs. Rickart would like to visit.  The manager that was in charge when I left was the biggest hipocrit I've ever met.  She would pass out candy if you collected instead of a cash bonus. 

It's sad because the first manager at the site that hired me was a great person and worked hard to build a good team.  When she left and new managers came in it all fell apart.  They brought in another company they own, APS Medical Billing which created more fear about changes in power.  If you want to know what is scary about the that whole thing was the fact that these people had access to medical records for patients in the US.  As collectors we all had to undergo HIPPPA training and were told that patient privacy was key.  How can you run a place with peoples credit card numbers, medical files, and credit reports all over the place and allow someone on the front page to keep working there?  Violations are something just don't care about, it's an acceptable expense.

I don't wish any of the US or Costa Rican collectors bad, but the management and owners should be examined.

Look people. I know PERSONALLY someone who worked there for over 10 years, and has over 30 years of experience in collections. This same person is now an Attorney for the IRS. So please do not take this information lightly, and believe in the credibility of what I am telling, THAT HE HAS TOLD ME as a LAWYER, and collection guru. United Collections is full of $hit. Just as other has said, they prey on the vulnerable. I used to be one of them. They would scare me to death. Up until six months ago, I was living on payday advances and overdraft because I let their LIES SCARE me. Entered into a debt management program that was regarded more threatening on my credit report than the negative remarks. I was so unhappy and depressed. And all this from someone STEALING MY IDENTITY. Thank God for my attorney advocate that I randomly met out of the blue. After I spoke with him, and other who verified this information, I kept my d**n money. Hell, me making payments did not help my credit: IT GOT WORSE!! So, what was the point. This is when I discovered the truth: they are powerless as hell. They will say next to anything to collect a debt because they will get a commission of it.

They can use certain terms per the Fair Debt Collection Practices Act. Now, again, mind you that the individual who has told me this, is an attorney who collects for the IRS. Any they to, although governed by different laws, can use certain terms and methods. While there are a slew of prohibited terms, the ones to be on attention for:

Jail
Bring Suit Against
Profanity
Attorney
Warrant
Imprisonment

So you get the picture. They have no power to issue a warrant, for not paying a debt is not a criminal act. So, when they say the Sheriff will serve, laugh. Secondly, if you were going to be sued, it would be from the original debtors MONTHS before you account was SOLD. When they sell your account to a collection company, they are essentially throwing in the towel on collecting on your account. The cost to pay someone to call you, whether it is human or automated, and to file suit far outweighs the debt you owe. The debtor has charged of your account at this point, written as a bad debt accounting wise, and yes, have used it as a TAX WRITE OFF. So, all in all, they got their money. And, did I mention the term "sell your account"? Yes, the debt collection has paid for it, so of course they want you to pay it, while they have paid pennies on the dollar for it and want to make a profit.

Likewise, as soon as the AGENT says they are an attorney, ask them for their "bar number". Now brace yourself for a hearty laugh folks as the call grows deathly silent. This bar number is assigned after that alleged attorney PASSES THE BAR EXAM IN THAT RESPECTIVE STATE to be regarded and practice law. A REAL ATTORNEY will be able to spit that out like their ABC's. This is the tactic these idiots at UCB use until this very day. They rant and rave from thousands of mile away, because at the end of the day, they want to make a extra buck. So, while they sit there, add stress to your life over perhaps and unfortunate, unexpected event occurred in your life that you were unable to pay your bills you become fearful. This is because due to an unexpected event, you feel vulnerable; and they play off that. After of years of timely payments, six months later, your good history means nothing. So, play them at their own game.

When you get a call from a number you don't recognize, do yourself a favor, and send them to voicemail. Google the number to identify the caller. As soon as you determine if a collection company, be smart and not communicate with them. Your communications can be used against you. So, why help thieves steal from you?! If your voicemail is setup to say your name in the greeting, take that off, and let it state the phone number. That why, they have no why to verify who they are trying to reach. It's absolutely no point in talking to them. They just want to scare you. If they were really trying to pursue you legally, you would get a CERTIFIED LETTER U.S. MAIL! Not make pointless attempts to call you with you being aware of it.

However, if you do venture out to call them, record your calls. Their are several AFFORDABLE programs you can get to do that. Let them hang themselves on tape.
When they do, the ball is in your court. Continue to let them do so. Each call is a fine. And these employees are so clueless, that they continue to repeat the same behavior. This is illegal, and you can file suite against them. Now, they collection company will fire that employee, and swear to heavens they were NOT trained to do what they were indeed TRAINED TO DO. They fire the employees in to appear in good faith. So, the silly employee, yes will be getting SUED all alone. And the company will be fined. I know former employees who have been sued, and the company they worked so hard for is nowhere to be found. So, let them call you a good 20 times, by then they have been fined well over the principal of your debt, and you are not responsible. When they are fined, it documented that they violated your rights, therefore voiding any prior agreements = removal from all credit bureaus.

Also, the best is to ask them to validate your debt. If they can't (and believe me UCB can't) they can not prove you owe the debt, and must remove it from the bureaus by FEDERAL LAW. Does not differ state-to-state. They will send out a notice saying it's OFFICIAL when it's not. So, go to the original debtor. If it does not match up, or the original debtor does not have your account, you are not legally responsible for that
debt.

Once it becomes apparent to you that the debt can not be validated, send a cease-and-desist letter to that company, your local Better Business Bureau, Attorney General, Federal Trade Commission, and the company where the debt originated from. ALL CERTIFIED MAIL with receive receipts. If possible, scan all documents for your records. Then, send this to your all credit bureaus. If the company has not corrected your credit report, then file a fraud report with your local law enforcement agency. This constitutes FRAUD on the part of the company, which is a CRIME.

I am saying this as TRIED and TRUE PROVEN methods. The economy is horrible. Don't let these credit companies who have received government money, misused it, and abuse their ethical obligations force you into a corner. If you can't pay, you can't pay. Conglomerates do this as we have all seen over the past year. The rule of thumb with collections companies, is the more they try to scare, the more evident it is that they are losing ground and time in making collection on the account. So, if they same to be relentless, you THREATEN them with KNOWING YOUR RIGHTS.

And, they will die off. And for the UCB employees that will rebut this; and for those consumers who are unsure, please go to the link below that exposes the collections companies at their worst illegal behavior. Then you will be relieved. Dateline aired this earlier this year and it's very INFORMATIVE!

http://colebrookslaw.com/consumerlaw/2009/03/29/dateline-nbc-episode-debt-trap/

Signed,

The Educated Consumer :D

Hey everyone,

I am in debt to Citibank and a couple of other cards for mainly medical bills. I have a wife who has had 18 surgeries and no matter how much you plan, you cannot plan for that. I got behind a few months and got a call from UCB. I knew there was no way to come up with any payment plan because my wife and daughter are both going to have more surgeries...there is no rest for the weary... I listened and got the phone number. I did a google search of the number and it came up UCB. I did another google search on UCB and presto, I found this site. I read up on some information and did other searches and found out some of the lawsuits filed on them. I finally called UCB back and I got turned over to Mr. Barringer. He started off asking me if I had "representation." I knew what kind of sleaze bags they were thankfully from this site. They were subtly threatening law suit the whole time. I told him that I could not pay anytime soon due to the fact that my wife and daughter are due to have surgery. He tried to say...but look you only owe on 2 outstanding debts...(that is all the debts I have but they are big due to the medical bills). I said yes but I don't expect you to care plus I know who you are and I know what you have been sued for. He tried to shut me down and I refused to be pushed and finally he said, "I can see you are a bitter person and just want to lashout and fight so I am going to turn you over for litigation, and you will no longer be contacted by telephone." I live in Florida (new here) and I am self employed and my wife works and has the health insurance. I found out that in Florida they cannot garnish the head of household that would be my wife since she has the largest taxable income and I have some huge business deductions that I have very little taxable income and it is impossible for them to garnish me since I don't earn a wage and my wife is the head of household. Our home and assets are under the Florida homestead so I knew anything the threatened me with legally is toothless. Anyway....that was my story...just wanted to let you folks know.

I have never worked for a collections company before. However I do know that a collections agency can try anyway possible to convince a debtor to pay. Federal guidelines only recognize what time of day a collector can call. Every collections agency is the same way. I was scamed by a company last year and when I did not pay them I was sent to collections. They tried the same tactics. After I just ignored them, they finally got the picture. Fortunately for me they were just giving empty threats.

So don't take it personally when I say that all collection companies are the same. If consumers joined together to complain about the loose federal regulations of the collection industry maybe there will be a change. Until then, there is nothing that can be done.

Tracy,

Wow! (I knew a Tracy from Wenatchee.)

Anyway, have you noticed how UCB employees slammed this person, including releasing alleged medical issues?

Have you noticed that this appears to have occurred with UCB Managements blessing?

Does that sound like a reputable, hard working and honest company?

Not!

Why would any company do business with UCB?

This is from the Federal Trade Commissions website. I copied some of what collectors are NOT allowed to do to potential debtors. Alot of what is here is what UCB collectors DO say and do to people. I know, I have it on tape. If anyone wants to see all of this, go to FTC site and then go to fair debt practices. here goes:
**************************************************
What types of debt collection practices are prohibited?
**Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact.
******************
For example, debt collectors may not:

*use threats of violence or harm;
*publish a list of consumers who refuse to pay their debts (except to a credit bureau);
***use obscene or profane language; or repeatedly use the telephone to annoy someone.
*False statements. Debt collectors may not use any false or misleading statements when collecting a debt. ******************
For example, debt collectors may not:**

*falsely imply that they are attorneys or government representatives;
*falsely imply that you have committed a crime;
*falsely represent that they operate or work for a credit bureau;
*misrepresent the amount of your debt;
*indicate that papers being sent to you are legal forms when they are not; or
*indicate that papers being sent to you are not legal forms when they are.
*******************
**Debt collectors also may not state that:**

*you will be arrested if you do not pay your debt; or say that **
they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
*actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action*
Debt collectors may not:

*give false credit information about you to anyone, including a credit bureau;
*send you anything that looks like an official document from a court or government agency when it is not; or
*use a false name.

**Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:**

*collect any amount greater than your debt, unless your state law permits such
a charge;
*deposit a post-dated check prematurely;
*use deception to make you accept collect calls or pay for telegrams;
*take or threaten to take your property unless this can be done legally; or
contact you by postcard.

What control do you have over payment of debts?

*If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.*

What can you do if you believe a debt collector violated the law?

*You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to** $1,000.** Court costs and attorney' s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000,**or one percent of the collector' s net worth, whichever is less.

*Where can you report a debt collector for an alleged violation?

Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.
**************************************************

There you have it. It's all at WWW.FTC.GOV

Yes , I have also been waiting patiently for Rick's reply. I belive the reason he had not replied is that His boss has told him to stop. I have tapes of UCB collectors and thier supervisors. I was disabled and all my debts were medical. I had to wait until Medicaid came through, and then I called UCB to take care of those debts. Not all of them could be taken care of, and there is nothing I can do about that. All other agencies have been understanding to a fault. Not UCB. Therefore, having been in the business for the last 15 years,and knowing the FDCPA rules and regulations, I wrote to the FTC and BBB> and got letters from both telling me UCB could no longer contact me. I also sent a cease and desist letter. I did what I could to settle with UCB. But I do agree that UCB uses threat tactics to scare debtors. I have the proof on tape. The letters I have plus the proof on this site as to what Rick threatend to do with my old accounts is all I need to take them to court if he pursues. I have read many of his posts on this site and think he finally realized just how deep he was getting himself in, as what you post here cannot be deleted. I was in no way fighting with him, He made it personal.

Tracy and all above- Ricks last post is a perfect example of why UCB is not respected in the collections world. I myself am in the collections/financial world and have been since '99. I also have had to endure UCB and they are not pleasant nor do the cooperate with anyone.

But Tracy its funny to see that Rick has yet to reply to your posts but I do believe that his was a perfect example of why we all are complaining on UCB, they way he just posted is only mild to they way that UCB employees talk to consumers.

Kim
Knoxville TN

also this rick. I have already been through it with collector Jim at ext 225. You company has been warned by certified letter to cease and desist. If you even THINK about bringing up my old accounts dear, I will have your butt in court so fast your head wont have time to spin. I have recorded tape of jim and his supervisor denise. I also have a letter from the FTC, and BBB that stated Jim was reprimanded. I know what I am doing here rick. you do not, I have your written proof right on this site of what you have threatened to do with my accounts. I have a brain tumour that is inoperable, along with other things that have made my life h**l. I am not able to work anymore. I could use some extra money. Just try me. Now my mother has always said, stupid is as stupid does. Dont be an idiot and prove her right, okay? I will wait for your response, rick.

Dearest Rick in Florida,
You really think you know me, huh? Well, maybe I should tell and set the record straight. I have worked in collection for 15 years. I have worked in fraud, Securities, and legal. I do belive that gives me the right to be able to tell crap companies from the reputable ones. I have on tape collectors from your so called wonderful company that yell, scream, threaten, say they are attornies, say they can take everything you own, say they are suing you. I have told people that once a collector says they are suing you , they have 30 days by law to do it.

If not, then the debtor can sue them. Collectors are liable for up to 500 thousand dollars. I know every part of the FDCPA . Maybe , Rick, if you read the FDCPA you might be saying things that are true and actually make sense. And yes, UCB is at the bottom. This company has no morals whatsoever. call me uniformed if you want to, but 15 years in the business tells me I know alot more than you do. run on back to UCB little one. with your standards I am sure you couldnt get a real collector job.

Rick Rick Rick. If there is zero tolerance for law breaking in your company, why are there so many identical complaints? Even your own collectors here state while they air their dirty laundry that UCB covers up violations. This is not rogue employees. I am sitting here doing my research for a co-worker who is filing suit against UCB and at least 5 different collectors who work there!

Rogue employees? I think not! So why am I am involved? I spent 10 years as a collector for an agencey with ethics and the crap and violations I keep hearing about blows my mind! Threatening arrest on voice mails, pre-legal calls with no intenet to sue, third party disclosure; the list goes on and on with serveral different collectors. According to a sane collector who left the Florida office because he couldn't stand the law violations, this stuff is a daily occurance.

Anybody interest in a class action suit post here. Maybe Citibank will see the light!

Tracey, you should do your research. My company is very reputable and in fact is a leader in the collections industry. When clients decide to use us they think of our 47 years in the business, top of the line training programs, acclaimed management staff and an overall reputation as an honest and hardworking agency! There are rogue employees within any company but UCB is different. There is a zero tolerance policy when it comes to law breaking and my fellow employees know they will be without a job if they test this rule.

Again, I am not saying there are no rule breakers. Just last week we actually had an employee who wore jeans on a Tuesdayimagine our horror! Tracey you say you worked (past tense) in the financial world. You sound more like a get on the bus and bash kind of gal, a follower if you will (bottom feeding collectorshow original). It must be difficult to sit around all day, probably not working, trying to come up with that next big get rich quick schemeyou are barking up the wrong tree. Collection agencies are here to perform a service for the leaders in the business world! We are not for, how did you say, bottom feeders such as yourself to make a buck on. Get a grip, life, job, or whatever is available to get you motivated about your life and out of ours. We are hard at work here; I cannot believe I just wasted 3.5 minutes on a rebuttal to you when I have consumers to assist!

P.S. Why don't you leave your full name and I will pull up YOUR collection accounts. Based on your hatred there must be many. I am sure that I can be of assistance after all; I just detailed your pitiful life in 35 lines.

I have read many reports about the illegal practices of collectors at ucb, and i figured that in order to be in violation of so many fdcpa laws, they would have to be told by the boss that it is okay to "do what it takes" to get the money. That was the old way of collections, to bully, lie, threaten clients to get them to pay old debts. I certainly hope that Citibank sees the light on ucb practices. I worked for Citibank and cannot imagine they woul d want to be anywhere close to involved with a third party collection agency that is told to do anything to get the payment from the client. They are the bottom of the barrel collectors. The people who work there who have never worked for a reputable collection agency have no idea that they work for scumbags. They innocently back up their company. Maybe when they are laid off because ucb loses citibank and hopefully more of the hospital and medical accounts, they will gets jobs with a collection agency that actually follows fdcpa guidelines. Then they will see what they were doing with ucb and how morally wrong it was.

I have read many reports about the illegal practices of collectors at ucb, and i figured that in order to be in violation of so many fdcpa laws, they would have to be told by the boss that it is okay to "do what it takes" to get the money. That was the old way of collections, to bully, lie, threaten clients to get them to pay old debts. I certainly hope that Citibank sees the light on ucb practices. I worked for Citibank and cannot imagine they woul d want to be anywhere close to involved with a third party collection agency that is told to do anything to get the payment from the client. They are the bottom of the barrel collectors. The people who work there who have never worked for a reputable collection agency have no idea that they work for scumbags. They innocently back up their company. Maybe when they are laid off because ucb loses citibank and hopefully more of the hospital and medical accounts, they will gets jobs with a collection agency that actually follows fdcpa guidelines. Then they will see what they were doing with ucb and how morally wrong it was.

I have read many reports about the illegal practices of collectors at ucb, and i figured that in order to be in violation of so many fdcpa laws, they would have to be told by the boss that it is okay to "do what it takes" to get the money. That was the old way of collections, to bully, lie, threaten clients to get them to pay old debts. I certainly hope that Citibank sees the light on ucb practices. I worked for Citibank and cannot imagine they woul d want to be anywhere close to involved with a third party collection agency that is told to do anything to get the payment from the client. They are the bottom of the barrel collectors. The people who work there who have never worked for a reputable collection agency have no idea that they work for scumbags. They innocently back up their company. Maybe when they are laid off because ucb loses citibank and hopefully more of the hospital and medical accounts, they will gets jobs with a collection agency that actually follows fdcpa guidelines. Then they will see what they were doing with ucb and how morally wrong it was.

I have read many reports about the illegal practices of collectors at ucb, and i figured that in order to be in violation of so many fdcpa laws, they would have to be told by the boss that it is okay to "do what it takes" to get the money. That was the old way of collections, to bully, lie, threaten clients to get them to pay old debts. I certainly hope that Citibank sees the light on ucb practices. I worked for Citibank and cannot imagine they woul d want to be anywhere close to involved with a third party collection agency that is told to do anything to get the payment from the client. They are the bottom of the barrel collectors. The people who work there who have never worked for a reputable collection agency have no idea that they work for scumbags. They innocently back up their company. Maybe when they are laid off because ucb loses citibank and hopefully more of the hospital and medical accounts, they will gets jobs with a collection agency that actually follows fdcpa guidelines. Then they will see what they were doing with ucb and how morally wrong it was.

how can anyone in thier right mind ever work for such a mad man... homerrrrrr
this agency is nothing but a fart in the wind without citibank they will go down so fast and everyone with it to bad to all you the captian of the ship this homer simpson guy dot head sand n****r towel head ahs a wife in one state and goes to strip clubs and sexual harrasses all those poor welfare gals at ucb wait til marge finds out homer lovess them strip clubs fotos can be provided poor mr rickert loyalty only goes so far cut the ugly wart off or burn it off i'll supply the lighter. sanju stop f**kin all the collectors at ucb both mentally sexually and with that tiny hindu p***s of yours remember when sanju uses rest room not to slip on his c*m juice from some poor abused employee sucking him off bytheway thank you sanju for the 6 month vacation paid for by ucb life can't get any better then that!

IT'S ALMOST TRUE WHAT JALON STATES

IT'S ABOUT TIME!!!!!!
ucb has broken so many law's..
it's ashame how they collect on bad debt's..
they give good collection agencies a bad rap...
i feel that everybody at ucb is angry at jalon
because they are afraid of loosing the citibank
account's...that would possibly put 150 people out of work....I understand.....everybody need's
to make a living....

they need there phone records pulled...that will prove how many times debtors were called back to back...due to the pool enviroment...shark tank...
the employee's were turned against each other by greed....thanx MR JOE....

I dont hate jalon...i think he need's some help...BUT IM ALSO A VICTIM OF HIS HATE..WHY JALON?

They infact have made so much money off breaking the laws..that they forgot how to be honest and follow the fdcpa laws....greed is an ugly thing.

I have to thank you all for your comments. You have just supplied me with more evidence for our pending lawsuit against UCB. The illegal collection practices that Jay states occurs in the UCB Florida office happened to my friend. In fact on 2 occasions it was Mr Torres himself who commited the FDCPA violations! Thank you!

Since the whole crew is here maybe I can make a point here. This rhetoric is the same that you use with your clients. Due to circumstances with me moving from Orlando to Ft. Lauderdale, I lapsed on a single bill of the 10 or so that I deal with with a permanent address 200 miles away from the hotel I live in in SFL. When calling my parent's house in Orlando, these idiots suggested to them that I was in jail. That's really some way to collect a debt. When they finally left a phone number after about 20 calls to my family, I called back to pay the debt immediately. Then I call the debtee a month later to find out that United Collections wrote a BAD CHECK IN MY NAME. So with the money I paid, what did you guys do with it? You figured I wouldn't follow up and you could get away with it. Well, I think writing a bad check in my name is illegal and I'm consulting with lawyers now. Well, I'm in Davie now and I might just take a trip over to your office so you can provide me with documentation of the check clearing to the debtee..

Since the whole crew is here maybe I can make a point here. This rhetoric is the same that you use with your clients. Due to circumstances with me moving from Orlando to Ft. Lauderdale, I lapsed on a single bill of the 10 or so that I deal with with a permanent address 200 miles away from the hotel I live in in SFL. When calling my parent's house in Orlando, these idiots suggested to them that I was in jail. That's really some way to collect a debt. When they finally left a phone number after about 20 calls to my family, I called back to pay the debt immediately. Then I call the debtee a month later to find out that United Collections wrote a BAD CHECK IN MY NAME. So with the money I paid, what did you guys do with it? You figured I wouldn't follow up and you could get away with it. Well, I think writing a bad check in my name is illegal and I'm consulting with lawyers now. Well, I'm in Davie now and I might just take a trip over to your office so you can provide me with documentation of the check clearing to the debtee..

Since the whole crew is here maybe I can make a point here. This rhetoric is the same that you use with your clients. Due to circumstances with me moving from Orlando to Ft. Lauderdale, I lapsed on a single bill of the 10 or so that I deal with with a permanent address 200 miles away from the hotel I live in in SFL. When calling my parent's house in Orlando, these idiots suggested to them that I was in jail. That's really some way to collect a debt. When they finally left a phone number after about 20 calls to my family, I called back to pay the debt immediately. Then I call the debtee a month later to find out that United Collections wrote a BAD CHECK IN MY NAME. So with the money I paid, what did you guys do with it? You figured I wouldn't follow up and you could get away with it. Well, I think writing a bad check in my name is illegal and I'm consulting with lawyers now. Well, I'm in Davie now and I might just take a trip over to your office so you can provide me with documentation of the check clearing to the debtee..

Since the whole crew is here maybe I can make a point here. This rhetoric is the same that you use with your clients. Due to circumstances with me moving from Orlando to Ft. Lauderdale, I lapsed on a single bill of the 10 or so that I deal with with a permanent address 200 miles away from the hotel I live in in SFL. When calling my parent's house in Orlando, these idiots suggested to them that I was in jail. That's really some way to collect a debt. When they finally left a phone number after about 20 calls to my family, I called back to pay the debt immediately. Then I call the debtee a month later to find out that United Collections wrote a BAD CHECK IN MY NAME. So with the money I paid, what did you guys do with it? You figured I wouldn't follow up and you could get away with it. Well, I think writing a bad check in my name is illegal and I'm consulting with lawyers now. Well, I'm in Davie now and I might just take a trip over to your office so you can provide me with documentation of the check clearing to the debtee..

What's wrong you BIG BAD GUY? Nothing more to say huh? Did you finally realize that you are a complete loser? Or did the cops finally pick you up? I guess from the book that we are writing about you, you have nothing more to say. You must know by now that you have lost this battle. You are alone now buddy. Thanks for going (almost) away, we sure don't miss you. But then again, feel free to visit. We all would love to see you get arrested for violating the restraining orders.

Take care, and good luck in jail.

P.S Dont forget the Xanax, and the Prozac. You would not want to snap on a 250+ murderer in prison. He might not let you harass him like you did to us!

See you around little man!

Hey guys keep going we almost have enough for a novel.
This reminds me of an old Mexican lullaby How many Pink Elephants can you see after you drink 1 gallon of bleach and pop 3 bottles of xanax (zanax)
Seriously on a somber note there are no little green men under the desks at UCB.
They have left to go to Mars when you left? All became space cadets in the new order of things and since joined the mother ship.
The mother ship is desperately seeking one of their own, and so it patrols Sth Florida searching for products for their world namely glue guns video surveillance cameras and yes you have guessed it video tape???? But settle the paranoia the are looking for that guy that's on the Price Is Right so come on down BoB. You see on Mars Bob Burgers are a delicacy and washed down with some brake fluid a meal fit for a Kwing { King in English) Now where were we J somewhere between deep paranoia and everyone out to get me?? Or is it the same thing I need to check Freud.
Well be assured we called the exterminators in and all the little green men have gone except the one that sits on my shoulder I have kind off adopted him he now calls me daddy. Which is kinda strange you see we are biologically different he is like you in a lot of respects a pleb Green slimy and has no brain to talk of. So I guess you may be related in some far off corner of the galaxy.
There is such a vast difference between reality and the world that some of us chose to live in.
Personally I like to keep the little green men in my own cupboard and prefer not to share them with a world that does not understand me??? Fiction is a wonderful thing I wish I had some to share with you.
Keep up the good work though I am afraid that the Oscar performance is not quite up to it.
But then I guess there will be years in which to reflect what might have been.
It is with sadness we must part for the sorrow is bittersweet.
I will think of you fondly as I throw my breakfast tray against the asylum wall and am told here have another zanax for old time sake.

Not long ago you told me about how your brain did not produce adequate levels of seratonin, now it is obvious to me that you are also lacking two other critical neurotransmiters: sanity & common sense. Whether it was strangling cats as a kid, or threatening working families during Christmas or gluing homes and businesses you have a loose grasp on reality and human descency. Once fired from UCB you should have put your d***k between your legs and found another collection agency, but you had to be THE BIG BAD BABY. You are definately an unstable creature !!! Move on with your life fat a*s (_O_) !!!

d**n Jalon, going back on what you were saying about the STDs, HAVE YOU BEEN TESTED RECENTLY ???

Wow Jalon, all that money you made at that company during your three year stay, spent on Attorney General fees, your personal attorney's fees, your drug habits and a mercedes benz. What a low life looser you are. What will you do now for the pending attorney fees ??? SELL YOUR MERCEDES ??? HAHAHAHAHAHAH

LOVE RICK FROM NY CITY

Jalon ...What happen kidd? You finally snapped, because you couldnt have it your way. What a big loser baby. 3G's Grow up. Get over it. Get a life. Over the past 3 years you have dont some stupid, ignorant and arrogant things. Threaten and harrassed 1/4 of the employees including myself. You have sent death threats by text numerous times prior to this entire ordeal. Made racial remarks several times. Violated UCB's rules and regulations numerous amount of times. YOU ARE AN IDIOT. As much as UCB protected you and took care of you. You did all of this because one time you just cant have it your way. We are not Burger King. Think about the threaten texts and calls you've made. Who calls you EVERY 15 MINUTES AFTER MIDNIGHT FOR 4 Hrs straight? ONLY A BOOTY CALL. You are a low life cry baby. The kidd says UCB is a badd company. Lets see...It helped him buy a benz, flew him and a few other employees first class to Corp Headquarters to continue working for a week after hurricane Wilma destroyed South Florida. Five star lodging and all meals covered. If that is a bad company to work for, please let me run across a few UCB's in my life time. The kidd is dumber than the door knobs he cemented shut. Who disguises themself in a polyester jog suit, sun glasses and a hat to cement shut doors...oh! yeah! wait, then looks directly into the camera...PLEASE SEND IT TO AMERICAS DUMBEST CRIMINALS HOME VIDEOS...He claims to be religous, but swears more than a sailor at sea, is a drug head and not to mention acholic. Its God, not god...You should of finish junior high school. I read your reports. I could sit here for days and tell you guys of all the laws Jalon Torres has violated, but its getting late. I have a great job at UCB to get up and head to in the morning. I hope that IDIOT is not going to call every 15 minutes tonite.

PEOPLE THE KIDD NEEDS TO SEEK HELP HE IS MENTALLY ILL AN I FEEL SORRY FOR HIM...I WILL SAY A PRAYER FOR YOU JALON...FROM A LONG TIME EX-FRIEND...PLEASE SEEK MENTAL HELP, IF NOT FOR US...JUST DO IT FOR YOURSELF...TAKE CARE... OH YEAH...TIE THE SOAP TO A STRING AND THEN AROUND YOUR HANDS SO YOU DONT DROP IT...

ROCK ON DUDE....YEAH BABY...FAR OUT...WEST SIDE

I thought you all would appreciate an update on Mr. Jalon Carlos Torres. This is especially for "Marc" of Hawaii who bought Jalon's lies hook, line and sinker. It seams that our deranged butt of everyone's joke has been up to his criminal acts for many years, back to 1998 as a matter fact. He would have been 20 years old when he started this terrific reign of criminal, drug induced, acts. Keep in mind that this is only his ADULT record...I am sure there are criminal acts as a minor as well. I hope I have enough room but here it goes:

1998 - 2 counts of "carrying a concealed firearm"
1998 - 1 count of "open carry of weapon" and
1 count of "carrying a concealed weapon"

1999 - 1 count of "possession/sell/deliver of Alprazolam" (otherwise known as Xanax, pronounced "zanax", which is considered a teenage killer by many governing agencies..nice one Jalon! How many of our kids have you infected with this garbage?)
1 count of "possession of a controlled substance"
1 count of "possession/sell/deliver/man cannabis"
1 count of "possession of drug paraphernalia"

2002 - 2 Criminal traffic charges of "stolen/improper tags" and "Failure to carry insurance"

2003 - 1 count of "possession of cannabis" and
1 count of "possession of drug paraphernalia"

2004 - 1 count of "possession of cannabis" and
1 count of "possession of drug paraphernalia"

and pending for 2005 - 1 count of felony "Criminal Mischief causing damage greater than $2000.00" for the damage done to my workplace as previously documented above. That case is being handled by the Davie Police Department of Florida. Case #05-74933.


OH well...why type it all. You can all check this out for yourself at:

http://www.clerk-17th-flcourts.org/bccoc2/pubsearch/public_search.asp?

Just enter the name Jalon Torres (leave out Carlos) and you will see all of the information as detailed above.

The most disturbing is the timeline...year after year of progressively worse criminal behavior!
Concealed weapons, drugs, stolen tags...WHAT A LOSER!

Who raised this demon's spawn? Obviously parents with low self-esteem, no integrity or morals, lack of identity, serious personal and mental issues...need I say more. Please everyone, speak up and make your voices heard. This guy is convicted criminal and drug using loser who needs to be shut the f..k up...take time to make your opinions count by sending him messages on this open forum or e-mail him at:

dvsly12b@yahoo.com

Funny, even his e-mail identifies his deranged personality!

P.S. - until later ya'll...I will keep digging until he has been fully exposed!!! Good luck at Allied Jalon...they have been notified of this website....nananana, nanana, heyheyhey, GOODBYE!

Jalon,

The entire UCB staff saw you vandalise our property. We thank the upper management at UCB for letting us see the servalience tapes proving that you committed a felony. You are going to jail Jalon. You are a drug dealer, that just got off probation. How you are definitely going to jail. We all saw the tape, and a copy was made for the state's attorney's office. We all saw the proof, all 100 of us saw what you did. You are going directly to jail little boy. You are done Jalon. Goodbye Jalon, you are gone for good now.

N...

Jalon, Patrick Kelly,

You have no friends at UCB. The management at UCB does not condone any illegal activities, they took your bonuses away when you broke the law. Rememember that?? you need to move on with your pitiful life you loser. You are nothing but a drug dealer. I hope the boyton beach police department raids your house because they will find plenty of drugs there. To the people that read items on this website, there are over 100 people that are going to testify AGAINST JALON, for his criminal acts (that are on tape). The management at UCB has always preached the right thing to do, and always protects the employees. Jalon dealt drugs in the parking lot. he just got off probation for dealing drugs last year. We have 109 signatures that will be provided in court when Jalon stands trial for his felony mischief. We hate him with a passion. Finally, UCB's great management team got rid of this nuicance once and for all. Good bye Jalon the loser, I hope your parents visit you in PRISON!!!!

B....

WOW...even after documenting all of the real story for you all to see, Jalon does not let up. There were phone calls last night until 4am, every 15 minutes by the way. The last one was original..the theme from Friday the 13th. You know the one with women screaming because they are bieng stabbed..what was the insinuation there Jalon? If not for any other reason I am wasting my time on this idiot to help protect others from this insane maniac. By the way, it looks like others are responding as well...funny that all of our stories document evidence of his problems but yet he has nothing but allegations to sling at us and my company...can you say Paxil. Jalon wants to find out contact information on people, call thier families and threaten thier lives and most of these people have no means of retribution...well here is for all of you that want justice:

Contact Jalon at:
8641 Windy Circle
Boyton Beach, Florida 33437
Date of Birth - 12-3-77
Phone Number - 561-541-8468
Drives:
2001 Black Mercedes Benz E430 Plate # X91-MPE
OHHHH and the most important, Jalon keeps his weed and other drugs, as well as weapons, in the trunk of his car. They are on the upper right side next to the speaker housing..easy bust for any Boyton Beach police officer or his father, Nation Guardsman Carlos Torres (if he even cares...doubt it though. apples dont fall far from the tree). Both by the way have been copied with this e-mail....na na na na, na na na na, goooooodbyyyyyyeeeeee

PS - Happy New Year's Jalon. Maybe your 2006 new profession will be soapmaker...ya know, like on a rope! PSS - Hope this doesnt get you beaten by your dad again :(

Jalon- Why are you doing this? What have these people actually done to you? UCB provided you with a wonderful place to work for many years, paid you very well, and covered up for you every time you messed up. Now all you are doing is hurting the people that enabled you to buy a Mercedes, and nice clothing. I feel that you are sick in the head and the sooner you seek professional help, the better off everyone will be. You have spread lies about the company you were proud to be a part of for a long time and that is a stab in the back. You think you have so many people on your side?? You are very wrong psycho!! UCB is a wonderful company run by some of the best in the buisness. Dont forget that. When it comes down to it, people are scared of you, angry at you and disgusted by you. If that is the way you want things to be, then you have gug your own grave. I hope you make some friends in prison becaus you have lost all of your friends here. I hope the people that read what you write also read the rebuttals. **KNOW THAT JALON IS A LIAR, A DRUG USER AND A MENTALLY DERANGED BOY THAT THREATENS PEOPLES LIVES**
GET HELP JALON TORRES AND STAY THE HELL AWAY FROM US!!!!!

AND NOW FOR YOUR NEXT TRICK? What will you think of next in your sick twisted little mind?

We are standing strong together. We are all sick of YOUR abuse. You can't control us. You can't choose who we are friends with. Eventually you will see that you are the one with the problem. Seek help. You owe alot of people an apology. You have hurt many people and their families. You are the reason for "Friends to Enemies" You have created this mess. You made promises, and did not keep them. You have lost a lot of good friends. I feel sorry for you. It was nice knowing you. Thanks for letting me see the "Real You" before it was too late. See you around.

LD

... Then you woke up right?....

It looks like you have a little too much time on your hands loser. UCB will not pay you the 5 million that you are asking for in your threats of blackmail. Keep trying.. And then keep digging. Eventually you will have dug a grave. Then go ahead, and jump in!

With all the time on your hands, pick up the bible. If you found GOD, listen to him. Beacuse you are the evil one here. God dont like ugly, but he does forgive. Pray for forgivness for what you have done. We all pray for you. Leave employees out of this. You are all alone here pal. We all see how crazy you really are. Good luck, be safe, and may GOD BLESS YOU!

Jalon is a sick man. He forgot to tell you all how he harrassed and threatened several employess (some of who are listed above)He has admitted that he is a "Crazy Man" He has followed employees and called family members threating them as well. He has 3 restraining orders against him, and a pending criminal mischief felony against him. The comapny has filed a restraing order as well. He has harassed clients and employees. He is mad because he was fired. UCB does not condone ilegal practices. Jalon's personal file is filled with several write ups of HIM breaking the law for his own low self esteem problems. All the things discussed in here, is what he did, not the company. If he has all of this infomation, and tapes... why not call the police or get an attny. Why put it on here. You are just making yourself look worse. Please Jalon, Get a life, go get a job. UCB will not hire you back, so please stop begging them. Its time to grow up and move on with your life.

I am writing this message on behalf of myself and several other, current, UBC, Inc. associates. Mr. Torres admittedly brought a weapon into the work place effectively endangering the lives of many employees, most of which are married and with children. Mr. Torres has openly spoken of his "mental conditions" in which he has admitted taking medications to try and control. Mr. Torres was just released from his drug-based probation in which he was convicted of felonies. There are many of my peers who tell of his behavior outside of the workplace as erratic, disturbing, and anti-social. Once terminated, Mr. Torres went as far as "skip tracing" information on collection managers, Sr. Operation Managers, Vice Presidents, owners and UCB's clients. He has called fathers, mothers, wives and children of all ages, threatening to "cut them up", "kill their family's so they never see a Christmas", and "end em'all." More disturbingly, Mr. Torres has been seen stalking peers at airports (coming home from their holidays), their homes and most recently (today) driving and following an associates from West Palm Beach to the office, almost an hour ride. During this incident he cut-off, drove up to the bumper, and forced the car to the side of the road, all while "text" messaging his attempt to harm her. There have been several police reports. Three employees have filed for restraining orders through Broward County because they fear for their lives. On Christmas day, at 1:10pm, this mentally unstable x-"friend" went to my workplace and used Superglue to render all of the exterior locks useless. This cost UCB well over $2k in damages because they are high security locks. As it is no secret, there are in fact many, 18 in total, interior and exterior cameras throughout UCB. I am happy Mr. Torres mentioned this since he is the star of his own criminal acts being caught on tape. You got it, the so-called "top collector" is actually an uneducated, obvious by his unintelligible e-mails, low life that performed the "gluing" while on tape. He did not even attempt a disguise! This has been turned over to the Davie police and a felony charge of Criminal Mischief will be filed. Thanks Mr. Torres, you almost cost us our goals due to a lost day of production. Lost goals equals lost income. Income my family counts on to eat and live. Once again, your lack of education has led you to a life of selfishness, lack of remorse towards others, and general self-hatred. Why else would you do such horrendous things? You mentioned God and that you have found religion...what a joke. My friends, and my managers, fear for their families and their livelihoods. What kind of Religion do you practice, Sadism? You mention in your e-mail that UCB is such a law breaking and horrible place to work. You say we are "brainwashed" employees. One question, did it take you three years to figure this out? Certainly a "top collector", such as yourself, could find work anywhere with your skills. Why submit yourself to this cruelty for three years. UCB has been around for 46 years and has an impeccable reputation! I am proud to be an employee of such an upstanding, caring, and well run organization! It is a shame that a forum such as this has been provided for an obviously "disgruntled" employee who cost himself a
$75,000 a year job. Mr. Torres has made his dismissal a personal issue, attacking employees and their families with death threats and stalking like behavior. It is obvious this x-"friend" needs some mental assistance and counseling. I for one hope it is soon as I cannot go on living in fear. Jalon Torres, Patrick Kelly, Todd Richardson, or whoever you think you are today, my real friends and I have gathered the signatures of all our peers who are fed-up, and in fear, of your behavior. We have turned this in to Sanju and Joe and are ready to testify against you in an effort to get you the help you need and the justice we deserve! You have harassed your last person and companywe will come together against youMr. Torres, you are DEAD TO US!