USCB America (USCB) is an Accounts Receivable Management (ARM) and Business Process Outsourcing (BPO) company based in Los Angeles that specializes in third-party debt collection. USCB has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including illegal communication tactics and misrepresentation. If you have been contacted by USCB, understand your rights before taking action.
The harassing company pays our fees.
They’re legit. USCB America is a legitimate debt collection agency. According to the Better Business Bureau (BBB), USCB was founded in 1915 and incorporated in 1968. Headquartered in Los Angeles, USCB America is listed as a collection agency. Buzzfile estimates USCB’s annual revenue at $27.7 million, and the size of its staff at approximately 213 people at its headquarters.
According to its website, “USCB America is the largest privately held Receivable and Resource Management company in the State of California.” Employing over 400 people in four locations, USCB provides “innovative business process outsourcing and revenue cycle management solutions to improve management efficiencies, increase cash flow, reduce administrative burden…and redundancy, and reduce overall operating expenses for…clients.”
USCB America’s full-service ARM and BPO service include a third-party collection division for healthcare providers, retail and banking creditors, and government municipalities. ARM and BPO services feature “call center solutions, resource staffing, insurance billing, claims follow-up and denial management programs, and presumptive charity care screening.” Collection services include “pre-collect and early-outs, self-pay bad debt portfolio management, and complete back-end revenue cycle management.”
The USCB America website has an extensive regulatory compliance page. They cite employee training in adherence to major regulatory laws, including the Health Insurance Portability and Accountability Act (HIPAA); the Health Information Technology for Economic and Clinical Health Act (HITECH); the Fair Debt Collection Practices Act (FDCPA); the Gramm-Leach-Bliley Act (GLBA); and data security.
USCB’s vision is to be “the largest, most successful, employee owned receivable and resource management company nationwide.” As a result, their client-facing website does not offer information, resources, or links to consumer protection laws, resources, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 8 complaints against USCB America in the preceding three years, with 2 closed in the past 12 months. Most those complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 8 complaints against USCB, and Justia lists at least 3 cases of civil litigation naming USCB America as a defendant.
USCB America
355 S. Grand Ave., Ste. 3200
Los Angeles, CA 90071
Telephone: (877) 846-9531
Website: http://www.uscbinc.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely USCB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Get Free BBB A+ Attorney. Call 475-277-1600 NOW
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Complaint:
In 2018, a proposed class action was filed against USCB, Inc. in which a California woman claimed the debt collector failed to clearly identify her alleged creditor.
Consumer complaints against USCB America indicate a tendency toward inaccurate documentation of billing and collection accounts. For example, in February 2016, a complainant indicated that he had received a letter from USCB requesting payment for a delinquent medical bill. The complainant confirmed that all of the information on the bill was accurate and indicated that he made an online payment the previous month. He confirmed that the payment had processed through his bank, but when he logged on to his customer account on his healthcare provider’s website, the payment had not posted, and he was “left to wonder what USCB did with his payment.”
In November 2015, a complainant indicated USCB America had submitted derogatory information to the credit reporting agencies although he had never received information from the creditor that any of his accounts were being sent to collections. He indicated further that bills had been sent to a previous address and had not been forwarded. He insisted that he had been making payments with the original creditor, but objected to USCB and the creditor taking aggressive actions without first giving him the chance to address alleged delinquencies.
Although most companies—including collection agencies—utilize BBB’s complaint portal to post responses to consumer complaints, USCB provides the same response to all complaints on the BBB site:
“Based upon the requirements of both the FDCPA and HIPAA, we are unable to address any complaints of this nature, and cannot admit that we have this matter to address, without a release from the individual lodging the complaint. If a release which is satisfactory pursuant to the Fair Debt Collections Practices Act and the Health Insurance Portability and Accountability Act is received, the allegations could be addressed. Specifically, the release must address permission to publish personal health information and/or possible debt collection information in a response that can viewed by the general public that has access to the Better Business Bureau.”
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
Chances are good that we can help. Call us today and we’ll explain.
Share your story
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
See more posts from Sergei Lemberg
Hello!
I am curious to know what “The Statue of Limitations” means exactly in terms of time given to pay back a Student Loan?
I have more details and questions, although my “Sallie Mae Loan” was from 2004!
Thank-you for your time and (hopefully) interest!
This company calls every single day. The last time I talked to them last week I had explained I have a chronically ill child that is in and out of the hospital. That i am only able to make 20$ payments because they are not the only 1s I need to pay. No sympathy nothing. Instead I got well do you have a 401k?? Refinance your house?? Pull out a small personal loan!! When I told him none of that is possible he continued to tell me that the calls will not stop even if im making payments regularly
I received a notification from my LifeLock that I had 2 reportings on my credit report from USCB I contacted them and they had no record of me until I provided my SSN I then found it was from when my daughter was taken to the Kaiser emergency room from a fall at her grandparents house I then asked why didn’t a invoice or statement be mailed and I was told that mail was sent to a P.O. Box address that I had not had for over 11 years I asked them how much was it and why is it in two different reportings I don’t know if the 1160 was the amount to be honest I was just so angry that this is now on my report I got the money together to pay the amount due and then they told me I needed to contact them in 30 days when I asked for a letter. I have no idea what do is there anyway I can get this off my credit report?
I just got 2 Collections from this company they contacted me earlier this year they told me I have some debts but it wasnt my name we cleared it up so I thought after I’ve built my credit up these 2 collections pop up from them this is FRAUD
Alert Type: Potentially Negative – Major Derogatory from Experian during February 16, 2019 from USCB AMERICA indicating i owe them $552.00, But so far i have not recieved any letter from them in this regard.
If this was regarding Kaiser i had already paid during september 2018
Please help me to remove this negative comment , I have not having even one late payments on my reports in last 20yrs.
I received negligent care at a Sutter Hospital, and I suspect because I am uninsured. Have spoken to medical professionals and commonfolk who are stunned at the details of my ER visit. Truly, that hospital and particular physician should be held accountable and I should begin litigation. Meanwhile, the $5,000+ total of multiple hospital dept billing has been mostly taken care of, but USBC America is dunning me for around $30. This is $30 that they will NEVER see under any circumstance. I don’t want them affecting my credit reports. Like all debt collectors, USCB America is filth, and like too many hospitals, Sutter needs to get the smackdown (it is being sued already for other reasons – https://www.usatoday.com/story/news/nation/2018/03/30/sutter-health-lawsuit-california-hospital-consolidation/474742002/) Also, I have a recording of USCB’s robotic and garbled collection call, absolutely disgusting.
USCB America has reported collection notices on my account. I have never received any communication from USCB America or any other service provider on any past due payments. I need to get this sorted out, and sue them for any damages to my credit, reputation and goodwill.
This company is calling me 3 times a day from morning to night looks like a robo call and now they are using different numbers when I try to call back the number is no good. This is harassment
I just checked my credit score from my Experian credit report I have several new collections from USBC AMERICA in all (6) on the same day. Who is USBC America? I haven’t received a bill by mail or call for the amount?
I just got 5 Negative reports on my credit report in one month , I have NEVER gotten a bill or notice and so I called them. I was told they will provide nothing in writing to me to figure out what this is about and why they have negative scores for me. How do I get it off my credit report..now i have a letter score of F on my payment history because of them and it isn’t right! I pay my bills! Man i have been working so hard to build my credit score too!
Hi C.Said,
You are right I am in the same situation. I like to share with all who became victims of this company. Please file a lawsuit against this company together. They are like a snake and keep people hurting badly. Let,s keep posting your experience with them so the rest of the people can benefit as well. Also, write the letter to BBB and share the details.
I just got an alert from my experian credit report I have several new collections from Usbc in June all on the same day. I have no idea who they are and I haven’t received a bill for the amounts put on my credit report. It doesn’t tell me what the collection is for. What do I do?
I just checked my credit report today, and realized that I have 44 (!!!) accounts in collection with USCB America. Is this legal? I don’t even know who they are or what this is for? Please help, this has completely tanked my credit score.