USCB Corporation is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is USCB Corporation?
USCB Corporation (USCB) is a third-party collection agency based in Pennsylvania. USCB has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper communication tactics and improper sharing of information. If you have been contacted by USCB, understand your rights before taking action.
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Is USCB Corporation a scam?
They’re legit. According to the Better Business Bureau (BBB), USCB Corporation was incorporated in 2004. The BBB established USCB’s profile page in 2005. USCB Corporation is listed as a collection agency. Buzzfile estimates USCB Corp’s annual revenue at $2 million and the size of its headquarters staff at 19 employees.
According to its website, USCB “is a successful and established commercial and consumer collection corporation servicing both national and local businesses and consumers.” USCB Corporation is a “mid-sized commercial and consumer collection corporation founded by entrepreneurs who understand how personal debt resolution spurs financial growth.”
Who does USCB Corporation collect for?
USCB Corp’s website does not provide any information about the industries or professions from which it draws its clients. Their website also provides very little detailed information about the services they provide. Their Services tab indicates five specialized areas of focus: helping people resolve debt problems; providing client-focused solutions; educating consumers about debt and finance; providing strategies for improving credit; providing consumer-focused financial solutions.
USCB Corporation indicates membership in several professional associations, including the International Association of Credit and Collection Professionals (ACA International); the Mid-Atlantic Collectors Association; the Scranton Chamber of Commerce; and the Lehigh Valley Chamber of Commerce. They do not provide information about their regulatory compliance policies; however, the Consumer Debt Collection FAQ page includes links to the Federal Trade Commission (FTC) website and ACA International’s Ask Dr. Debt website.
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.
How many complaints are there against USCB Corporation?
As of December 2017, the BBB has closed 31 complaints against USCB Corporation in the preceding 3 years, with 14 complaints closed in the past 12 months. Almost all of these complaints alleged problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 17 complaints about USCB. Justia lists at least 2 cases of civil litigation naming USCB Corporation as the defendant.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely USCB Corporation 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against USCB Corporation?
Absolutely. Here are some Sample Cases against USCB Corporation.
In November 2017, in the United States District Court for the Middle District of Georgia, Macon Division, a judge issued an Order in a case alleging USCB Corporation had violated provisions of the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff alleged that USCB representatives had begun calling his mobile phone in an effort to collect a debt. The plaintiff had answered the calls on at least one occasion, and a pre-recorded voice asked for a person who was not the plaintiff. The plaintiff allegedly had notified USCB Corporation that they were calling the wrong number, but UCSB continued to place calls to his mobile phone. The plaintiff’s complaint indicated that USCB’s automated calls to his cellular telephone violated the TCPA, and that their continued calls despite his having notified them that they were calling the wrong number violated FDCPA provisions prohibiting “harassment or abuse in connection with the collection of a debt.”
The November 2017 hearing was held to determine a ruling on USCB’s challenge of the plaintiff’s charge that their conduct violated the FDCPA. USCB claims that the plaintiff did not have enough evidence to claim that their conduct was egregious enough to constitute an FDCPA violation; furthermore, they claimed that because the plaintiff was not the party who owed the debt, he was not a consumer as defined by the FDCPA, so he lacked standing to bring a claim under that statue.
The November hearing was a preliminary hearing, and discovery was still ongoing at that time. The court agreed with USCB’s argument that the plaintiff only cited two telephone calls to establish his claim that USCB Corporation had violated the FDCPA. However, the plaintiff had not submitted all his evidence, so the court determined that granting USCB’s motion to dismiss the charge would be premature. The court denied USCB’s motion to dismiss on the basis that the plaintiff was not a consumer because the FDCPA was enacted to ensure that collection agencies treat all people respectfully. Furthermore, the plaintiff’s complaint was a result of their efforts to collect a debt in which their calls were made with the assumption that he was, in fact, a consumer as defined by the FDCPA. As a result, the TCPA charge was not challenged, and the court upheld the plaintiff’s right to bring charges under Section 1692d of the FDCPA.
USCB Corporation Calling You?
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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Want to Stop USCB Corporation Debt Collection Harassment Now?
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
Can You Help Me Delete USCB Corporation from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.