Debt collection -- Communication tactics -- Complaint #17950553
United Collection Bureau Accused of Harassing Debt Collection Calls
Complaint Overview
Complaint ID: 17950553
Company: United Collection Bureau, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: California
ZIP Code: 92612
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Frequent or repeated calls can be considered harassment, potentially violating debt collection regulations and causing significant distress to consumers.
Consumer Sentiment: negative
Topics: Debt collection, Communication tactics, Harassment
AI Analysis
CFPB complaint 17950553 was filed against United Collection Bureau, Inc. regarding Debt collection (Other debt), specifically about "Communication tactics". A consumer filed a complaint against United Collection Bureau, Inc. regarding frequent or repeated calls related to other debt, which was closed with an explanation. The complaint was received on October 31, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should document all communication attempts, including dates, times, and the nature of the calls, and be aware of their rights regarding debt collection practices.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassment or abuse, including the use of frequent or repeated calls to annoy or harass a consumer.
Regulatory Insight
Regulators monitor debt collection agencies for patterns of excessive communication, which can lead to enforcement actions and penalties.
Resolution Likelihood
mixed
State-Specific Consumer Protections
California has specific laws that may offer additional protections to consumers regarding debt collection practices beyond federal regulations.
Industry Comparison
While some debt collectors adhere to regulations, others may engage in aggressive tactics like excessive calling, leading to consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17950553 about?
CFPB complaint 17950553 involves Debt collection (Other debt). The consumer reported an issue with "Communication tactics", specifically "Frequent or repeated calls". This complaint was filed against United Collection Bureau, Inc. on October 31, 2025.
Which company is complaint 17950553 filed against?
Complaint 17950553 was filed against United Collection Bureau, Inc.. You can view all complaints against this company on their profile page at /company/united-collection-bureau-inc.
What was the company's response to complaint 17950553?
United Collection Bureau, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17950553 filed?
Complaint 17950553 was received by the CFPB on October 31, 2025. It was sent to United Collection Bureau, Inc. on December 11, 2025.
What state was complaint 17950553 filed from?
Complaint 17950553 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 17950553?
Dispute information is not available for complaint 17950553.
What product category is complaint 17950553 about?
Complaint 17950553 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 17950553 submitted?
Complaint 17950553 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17950553?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassment or abuse, including the use of frequent or repeated calls to annoy or harass a consumer. This relates to a Debt collection complaint against United Collection Bureau, Inc. involving "Communication tactics".
How likely is complaint 17950553 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17950553?
This complaint is rated as medium risk. Frequent or repeated calls can be considered harassment, potentially violating debt collection regulations and causing significant distress to consumers.
What regulatory actions apply to complaint 17950553?
Regulators monitor debt collection agencies for patterns of excessive communication, which can lead to enforcement actions and penalties. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17950553?
Consumers should document all communication attempts, including dates, times, and the nature of the calls, and be aware of their rights regarding debt collection practices.
Are there state-specific protections for complaint 17950553?
California has specific laws that may offer additional protections to consumers regarding debt collection practices beyond federal regulations. This complaint was filed from California.
How does complaint 17950553 compare to industry norms?
While some debt collectors adhere to regulations, others may engage in aggressive tactics like excessive calling, leading to consumer complaints.
What constitutes 'frequent or repeated' calls under the FDCPA?
The FDCPA does not define a specific number of calls as 'frequent or repeated.' Instead, it focuses on whether the calls are made to annoy, abuse, or harass the consumer, considering the context and frequency.
What actions can a consumer take if they believe a debt collector is violating communication rules?
A consumer can send a written request to the debt collector to cease communication, file a complaint with the CFPB or their state Attorney General, and potentially pursue legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.