Debt collection -- Took or threatened to take negative or legal action -- Complaint #4396066
Complaint Overview
Complaint ID: 4396066
Company: United Credit And Collections INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Missouri
ZIP Code: 63137
Date Received: 2021-05-21T12:00:00-05:00
Date Sent to Company: 2021-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
United Credit Collections violated my consumer rights. United Credit Collections has harassed me by making phone calls and much more. They have ruined my reputation by reporting information on my consumer reports. UNITED CREDIT COLLECTIONS IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) UNITED CREDIT AND COLLECTIONS INC was hand delivered an Affidavit on Wednesday XX/XX/ 2021 via certified mail ( Tracking # XXXX ) in which they have failed to properly respond. UNITED CREDIT AND COLLECTIONS INC has now been notified that they are in Default. This notification was sent via certified mail ( Tracking # XXXX XXXX. They are civilly liable.
Frequently Asked Questions
What is Complaint #4396066 about?
Complaint #4396066 was filed against United Credit And Collections INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-05-21T12:00:00-05:00.
How did United Credit And Collections INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against United Credit And Collections INC.?
Yes, visit the United Credit And Collections INC. company profile at readthecomplaint.com/company/united-credit-and-collections-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.