CFPB Complaint

United Consumers Inc – CFPB Complaint ID 3059883

Consumer Complaint Submission

Date Received: 2018-10-29T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX credit report in XX/XX/XXXX.

Upong disputing the debt, the collection was removed.

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached — Proof of my payment in XX/XX/XXXX ) for a ” Bad debt ” that I never Received a written notice in the mail or even a phone call about, EVER!

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit.

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client.
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )

Company: United Consumers Inc

State/Zip: VA

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3059883

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




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