Quick Answer: USCB America (formerly USCB, Inc.) is a healthcare debt collector headquartered in Los Angeles, California. Founded in 1915, they specialize in collecting unpaid medical bills for hospitals and healthcare systems. Their main phone number is (877) 846-9531. They paid a $2.7 million TCPA class action settlement for making unauthorized automated calls to cell phones. The BBB has received complaints about aggressive tactics, and consumers report difficulties getting proper debt validation.
If USCB America is in your call log: A call from a debt collector is a business communication, not a crisis. USCB America collects medical debts for hospitals and healthcare systems. You have specific federal rights under the FDCPA, plus additional medical debt protections that took effect in 2023. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | USCB America (formerly USCB, Inc.) |
| Type | Third-party debt collector (healthcare specialist) |
| Headquartered | Los Angeles, California (355 S. Grand Ave., Suite 3200) |
| Additional Office | Henderson, Nevada |
| Founded | 1915 (incorporated 1968) |
| Primary Creditors | Hospitals, healthcare systems, government agencies |
| Primary Phone | (877) 846-9531 |
| Henderson Office | (702) 939-2380 |
| BBB Rating | Listed on BBB with consumer complaints |
| Federal Court Cases | $2.7 million TCPA class action settlement (C.D. Cal. 2015); 11+ federal lawsuits |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
USCB America is a healthcare debt collector — if they’re calling you, it’s about an unpaid hospital or medical bill that your healthcare provider placed with them for collection.
What makes USCB America notable is their combination of longevity and legal trouble. Founded in 1915, they’re one of the oldest debt collectors in the United States. But a $2.7 million class action settlement for making unauthorized automated calls to consumers’ cell phones, combined with multiple FDCPA lawsuits, shows that being around for over a century doesn’t guarantee consumer-friendly practices.
Who Is USCB America?
USCB America (formerly USCB, Inc.) is a third-party debt collector and healthcare revenue recovery company headquartered in Los Angeles, California, with additional offices in Henderson, Nevada. Founded in 1915 and incorporated in 1968, they market themselves as a “Healthcare Revenue Recovery Solutions Company.” Their clients are hospitals, healthcare systems, and government agencies. USCB America doesn’t buy your debt — they’re hired by your healthcare provider to collect the unpaid balance.
USCB America Phone Numbers
USCB America uses several phone numbers when contacting consumers. If you received a call from any of the numbers below, it was likely USCB America.
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| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (877) 846-9531 | Main collections line | Source: company website, BBB profile |
| (702) 939-2380 | Henderson, NV office | Source: business directory listings |
Note: The $2.7 million TCPA settlement was based on USCB using automated dialing systems to call cell phones without consent. If you’re receiving automated or robocalls from USCB America, document the date, time, and nature of each call.
Why Is USCB America Calling You?
- A hospital or medical bill went to collections — USCB America’s primary business is collecting unpaid healthcare balances. Your hospital or healthcare system placed your account with them after a period of non-payment.
- A government-related debt — USCB America also collects for government agencies, including municipal debts and fees.
- An insurance billing dispute — consumers report USCB America collecting on bills that insurance should have covered. Before paying, verify with your insurance company that the claim was properly submitted.
- A balance after insurance — the remaining patient responsibility (copays, deductibles, coinsurance) can be placed with USCB America if unpaid.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
What Consumer Complaints Reveal About USCB America
Consumer complaints about USCB America center on aggressive calling practices, failure to properly validate debts, and credit reporting disputes. Consumers allege USCB America refuses to apply payments to accounts, wrongfully places derogatory information on credit reports, and cites HIPAA regulations to avoid responding to debt validation requests.
Search USCB America complaints in the CFPB database →
Read Consumer Complaint Themes (from CFPB and BBB filings)
“USCB America calls my cell phone multiple times using an automated system. I never gave them permission to call my cell phone and I’ve asked them to stop. They continue to call from different numbers.”
“I requested validation of a medical debt from USCB America. They responded by citing HIPAA regulations as a reason they couldn’t provide detailed information. HIPAA doesn’t prevent a debt collector from validating a debt — it prevents them from sharing medical information with unauthorized parties.”
“I made a payment to USCB America and they failed to apply it to my account. The debt is still showing on my credit report as unpaid despite having a confirmation number for my payment.”
Sources: CFPB Consumer Complaint Database and Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
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USCB America in Federal Court
USCB America has been named in 11+ federal lawsuits across California, Florida, and Washington, with the largest resulting in a multimillion-dollar class action settlement.
USCB TCPA Class Action Settlement (C.D. California, 2015): A consumer sued USCB in November 2013, alleging the company repeatedly called her cell phone using an automated dialing system to collect a debt she did not owe, despite her requests to stop calling. In January 2015, the court approved a $2.7 million settlement resolving the TCPA class action. The case established that USCB was making automated calls to cell phones without consent, violating the Telephone Consumer Protection Act.
- Multiple FDCPA lawsuits — USCB America has been sued for illegal communication tactics, misrepresentation, and failure to validate debts. Cases span California, Florida, and Washington federal courts.
Court records are sourced from CourtListener and ClassAction.org.
What this means for you: The $2.7 million TCPA settlement is significant because it means if USCB America is calling your cell phone using an autodialer without your consent, each call could be worth $500-$1,500 in statutory damages. If you’re receiving automated calls from USCB, document every call — date, time, whether it was automated, and whether you gave consent to call that number.
Medical Debt Protections You Should Know
New medical debt rules (effective 2023): Medical debts under $500 can no longer appear on credit reports. Paid medical collections must be removed from credit reports. Medical debt less than one year old cannot be reported. These rules apply to debts collected by USCB America — check your credit report to ensure compliance. If USCB America is reporting a medical debt that violates these rules, file a dispute with the credit bureaus.
What To Do If USCB America Is Calling You
- Verify your insurance was properly billed first. Like most healthcare debt collectors, USCB America sometimes collects on bills where insurance wasn’t properly submitted. Contact your insurance company and ask whether the provider submitted the claim.
- Don’t accept the HIPAA excuse for refusing validation. USCB America has been reported to cite HIPAA as a reason for not validating debts. This is misleading — HIPAA permits debt collectors to communicate the minimum necessary information to collect a debt. You have a right to debt validation under the FDCPA regardless of HIPAA.
- Request debt validation in writing within 30 days. USCB America must provide the original creditor’s name, account number, amount owed, and documentation proving the debt is valid.
- Check your state’s statute of limitations. If the medical debt is old enough, USCB America cannot sue you to collect. Check your state here.
- Document all automated calls. Given the $2.7M TCPA settlement, if USCB America is using autodialers to call your cell phone without consent, each call may have monetary value in a TCPA claim.
- Send a cease-and-desist by certified mail. A written request legally requires them to stop contacting you.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- USCB America is a healthcare debt collector founded in 1915, based in Los Angeles, CA
- Collects for hospitals, healthcare systems, and government agencies
- Phone: (877) 846-9531 (main), (702) 939-2380 (Henderson office)
- Paid $2.7 million to settle TCPA class action over unauthorized automated cell phone calls
- 11+ federal lawsuits for FDCPA and TCPA violations
- Consumers report USCB uses HIPAA as excuse to refuse debt validation — this is not valid
- Medical debts under $500 and paid medical debts can no longer appear on credit reports
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Frequently Asked Questions About USCB America
Who is USCB America?
USCB America (formerly USCB, Inc.) is a healthcare debt collector headquartered in Los Angeles, California, with an additional office in Henderson, Nevada. Founded in 1915 and incorporated in 1968, they specialize in collecting unpaid medical bills for hospitals, healthcare systems, and government agencies. They are a third-party collector, meaning they collect on behalf of your healthcare provider.
Is USCB America a scam?
USCB America is a legitimate debt collection company that has been in business since 1915, not a scam. However, a $2.7 million TCPA class action settlement and multiple FDCPA lawsuits indicate issues with their collection practices, particularly unauthorized automated calls. If USCB America contacts you, verify the debt in writing before paying.
Why won’t USCB America validate my debt?
Some consumers report USCB America cites HIPAA regulations as a reason for not providing detailed debt validation. This is misleading. HIPAA permits debt collectors to share the minimum necessary information to collect a debt. Your right to debt validation under the FDCPA exists regardless of HIPAA. If they refuse to validate, file a complaint with the CFPB.
Is USCB America the same as USCB Corporation?
No. USCB America (Los Angeles, CA) and USCB Corporation (Eynon, PA) are separate companies. USCB America focuses on healthcare debt, while USCB Corporation is a different debt collector. If you’re contacted by a company using the “USCB” name, confirm which entity is contacting you before responding.
How do I stop USCB America from calling?
Send a written cease-and-desist letter by certified mail to USCB America, 355 S. Grand Ave., Suite 3200, Los Angeles, CA 90071. Under the FDCPA, they must stop calling after receiving your request. Given their $2.7M TCPA settlement for unauthorized automated calls, also document any calls you receive before sending the cease letter.
Can USCB America put medical debt on my credit report?
Medical debt reporting rules changed significantly in 2023. Medical debts under $500 cannot be reported to credit bureaus. Paid medical collections must be removed. Medical debt less than one year old cannot be reported. If USCB America is reporting a medical debt that violates these rules, dispute it with all three credit bureaus.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
You landed here because someone is chasing you for money. That part does end — and what happens next is the part almost nobody writes about.
In the latest issue (Sep 10): Your phone company is supposed to know who’s handing it those scam calls. Some of them don’t bother.
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