If you received a call, text, email, or letter from UCB Inc., the safest first move is usually to slow the process down, demand written details, and compare them to your own records before you discuss payment or confirm personal information. If you believe the contact is wrong-person, inflated debt, or overly aggressive, good documentation may protect you and could help a consumer-rights attorney evaluate next steps.
This article is general information, not legal advice. Laws and outcomes depend on the facts of your situation.
Table of Contents
- Who Is UCB Inc?
- Why UCB Inc Debt Collection Might Be Reaching Out to You
- What to Do If UCB Inc Keeps Calling You
- What UCB Inc Claims They Handle and Collect
- UCB Inc Phone Number, Address, and Contact Details
- Common Examples of UCB Inc Collection Harassment
- When UCB Inc Contact May Cross Into Illegal Harassment
- What to Do If UCB Inc Threatens Legal Action
- Steps to Take If the UCB Inc Debt Is Legitimate
- Your Debt Collection Rights Under Federal Law (UCB Inc Calls)
- How to Stop UCB Inc Calls, Texts, and Voicemails
- UCB Inc Reviews, Complaints, and Where Consumers Report Them
- How to Get Help Dealing With UCB Inc
- Success Stories
- Final Thoughts on UCB Inc Debt Collection Calls
- FAQs About UCB Inc Debt Collection
Who is UCB Inc?
The UCB Inc. usually refers to the United Collection Bureau, Inc. (UCB). It is an accounts receivable management (debt collection) company that contacts consumers about past-due bills on behalf of businesses. The company says it works with sectors like healthcare, financial services, and government-related accounts. UCB’s public materials also say it was founded in 1959 and operates as a national agency, offering ways for consumers to ask questions, dispute, or make payments through its contact and payment channels.
Legal name and how it appears in public records
United Collection Bureau, Inc. appears on its official contact page as “United Collection Bureau, Inc. (UCB).”
BBB’s business profile lists the entity type as a corporation and shows a “Business Started” date of 5/6/1959, along with a consumer hotline number.
A quick identity check before you engage
A safer approach is to treat identity as unverified until you confirm details from a letter you received or by calling back through official channels. Caller ID can be spoofed, and legitimate names can be used by impostors.
If you believe a caller is pretending to be UCB, your best move is usually to request written details and avoid sharing sensitive information until the paperwork matches your records.
Why UCB Inc Debt Collection Might Be Reaching Out to You?
UCB Inc. may be reaching out because a business says you have an unpaid balance and has sent the account to United Collection Bureau, Inc. to contact you about payment or to help resolve the account. This can also happen if:
- The account was assigned or transferred from the original company to a third-party collector.
- The balance changed due to interest, fees, or adjustments, and you have not seen a clear breakdown.
- UCB has an old or wrong phone number, or your information was matched to someone else by mistake.
If you don’t recognize the creditor or amount, the safest step is to ask for written details and verify them against your records before you respond.
What to Do If UCB Inc Keeps Calling You?
If UCB Inc. is calling you, you can reduce risk by turning the contact into a documented process you control.
Step 1: Screen calls and save proof
Let unknown numbers go to voicemail. Save the voicemail and screenshot your call log.
Step 2: Move everything to writing
Say: “Please send me the details in writing.”
If you think it’s the wrong person: “I believe you have the wrong person. Send written verification.”
Step 3: Don’t share sensitive info early
Do not give SSN, bank info, employer details, or card numbers until paperwork matches your records.
Step 4: Keep a quick evidence log
Track date/time, number, caller name/company, what was said, and any mention of “lawsuit” or “urgent” deadlines.
Step 5: Ask for a written checklist
Request creditor name, itemized amount, key dates, account/reference number, and the dispute mailing address.
Step 6: Verify before paying
Compare the notice to your records (and credit report if relevant). If anything doesn’t match, dispute in writing instead of paying fast.
What UCB Inc Claims They Handle and Collect?
UCB Inc describes itself as assisting clients with accounts receivable management, including industries such as healthcare, financial services, and government.
UCB Inc also provides consumer access and payment options through online portals, including a “Make A Payment” link from its website navigation and consumer-facing portal pages.
In plain English, that may include contacting consumers about alleged balances, offering payment options, and routing account questions through consumer support channels.
UCB Inc Phone Number, Address, and Contact Details
Use the phone number and mailing address printed on your letter first. If you need to cross-check, the following details appear on UCB’s public pages and BBB business profile.
| Category | Details |
| Company name used publicly | United Collection Bureau, Inc. (UCB) |
| Mailing address (public) | 5620 Southwyck Blvd., Toledo, OH 43614 |
| BBB address listing | 5620 Southwyck Blvd #206, Toledo, OH 43614-1501 |
| Main consumer phone | +1 866 209 0622 |
| Official website | ucbinc.com |
| Contact page | UCB Contact |
| Payment portal | UCB Payment Portal |
| Additional outbound numbers list | Additional Phone Numbers |
| Compliance email (as posted in legal statements) | UCBCompliance@ucbinc.com |
| NYC collection agency license number (as posted) | NYC Department of Consumer Affairs License No. 1004887 |
| NMLS ID (as posted in legal statements) | NMLS ID: 931168 |
Important safety note about caller ID
UCB Inc publishes a long list of outbound numbers and SMS short codes it may use.That list can help consumers recognize a possible match, but spoofing is still possible. Written verification and calling back using the published main number are often safer checks than trusting caller ID.
Common Examples of UCB Inc Collection Harassment
Harassment is usually about patterns, not one call. If you believe UCB Inc. is contacting you in a way that feels excessive, misleading, or designed to pressure you without clarity, your documentation is what matters.
Examples that could indicate a problem, depending on the facts:
- Repeated calls about the same alleged debt in a short period
- Calls that continue after you request communication in writing
- Statements that imply immediate legal consequences without case details or paperwork
- Wrong-person contact that continues after you clearly dispute the account
- Pressure to pay through unusual methods or odd links
A specific “7-in-7” benchmark
Regulation F includes call-frequency presumptions tied to a particular debt. In general, calling more than seven times within seven consecutive days about a particular debt, or calling again within seven days after a telephone conversation about that same debt, can trigger a presumption (with exclusions and fact-specific details).
If your call log shows that kind of pattern, save it and note whether the calls appear tied to one account or multiple.
When UCB Inc Contact May Cross Into Illegal Harassment
Only a court or regulator can decide whether conduct is unlawful. Still, if you believe UCB Inc. used misleading statements, improper threats, or excessive calling patterns, that could potentially raise issues under the FDCPA and related rules.
Behaviors that could indicate a problem, depending on the facts
- Repeated calling that appears intended to annoy, abuse, or harass
- Conflicting statements about the creditor, amount, or account status
- Threat language that sounds definite but lacks paperwork or case details
- Requests for sensitive data before providing written information
- Contacting third parties in a way that discloses the debt
The Fair Debt Collection Practices Act (FDCPA)includes a prohibition on calling repeatedly or continuously with intent to annoy, abuse, or harass, which is typically evaluated based on the facts and evidence.
What to Do If UCB Inc Threatens Legal Action?
If someone says “lawsuit,” “judgment,” or “garnishment,” treat that as a reason to slow down and demand specifics. A phone message is not proof of a lawsuit.
What to do right away
- Ask for the court name, case number, and plaintiff name.
- Request written confirmation.
- If you receive real court documents, respond by the deadline. Ignoring service paperwork could lead to a default judgment.
If the message is only a voicemail or text
A voicemail may be incomplete or misleading. Treat it as a prompt to request written details, not as proof that legal action has been filed.
Steps to Take If the UCB Inc Debt Is Legitimate
If UCB Inc provides documentation that matches your records and you decide the debt is legitimate, treat payment as a controlled process.
Payment safety checklist
- Get payoff or settlement terms in writing before you pay.
- Use official payment instructions from the letter or official portal.
- Keep receipts, confirmation numbers, and screenshots of payment pages.
- Make sure “paid in full” versus “settled” language is clear in writing.
If you see the account on your credit report
If the UCB Inc debt appears on your credit report and you believe it is inaccurate, the FCRA provides a process to dispute information with consumer reporting agencies, including a reinvestigation timeline described in the statute. (For readers: keep your proof, dates, and results organized.)
Your Debt Collection Rights Under Federal Law (UCB Inc Calls)
If you believe collection contact has crossed the line, several federal laws may matter. The exact application can depend on whether the collector is a “debt collector” under the Fair Debt Collection Practices Act (FDCPA), the type of debt, and how the communications happened.
FDCPA and Regulation F
The FDCPA addresses harassment, deceptive practices, and unfair tactics, and Regulation F adds modern communication rules and certain presumptions.
Debt validation and written notice
Debt validation rules explain the information collectors must provide and how written disputes work, including a 30-day dispute window tied to the validation notice.
Ceasing communication in writing
If a consumer notifies a debt collector in writing that the consumer refuses to pay or wishes the debt collector to cease further communication, the statute provides that the debt collector generally must stop, with limited exceptions.
How to Stop UCB Inc Calls, Texts, and Voicemails?
Reducing contact usually works best when you choose one method and build a consistent paper trail.
A practical “reduce contact” sequence
- Use the phone script once: “Please send the details in writing.”
- Send a short written request for creditor name, itemization, key dates, and dispute instructions.
- If calls continue and you want less phone pressure, request communication in writing only.
- If you think the debt is wrong or not yours, dispute it in writing and request verification.
Build an evidence file that is easy to review
Create one folder (paper or digital) and save:
- Call log screenshots and voicemail audio files
- Letters and envelopes (the envelope can help prove dates)
- Copies of disputes or written requests
- Certified mail receipts if you use certified mail
- Payment receipts and settlement letters if you pay
Accessibility note (helpful for some readers)
UCB’s contact page notes that people with hearing or speech impairments can dial 711 to connect with Telecommunications Relay Services (TRS).
UCB Inc Reviews, Complaints, and Where Consumers Report Them
If you are researching UCB Inc. complaints, you may find consumer reviews and dispute narratives on public platforms. Reviews are allegations, not proven violations, but repeated themes can help you decide to document carefully and move everything into writing.
BBB complaint volume and categories
BBB’s complaints page for United Collection Bureau, Inc. shows 225 total complaints in the last 3 years and 46 complaints closed in the last 12 months, plus categories such as billing issues and customer service issues.
Those numbers are not proof of wrongdoing in your case. They can be a useful signal that many consumers report confusion and payment-related disputes, which is another reason to keep everything in writing.
Get Help Dealing With UCB Inc?
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC focuses on consumer protection matters involving the FDCPA, Fair Credit Reporting Act, and TCPA. If you believe collection contact is escalating, the firm can review letters, call logs, and credit reports and help you organize evidence into a clear timeline.
Next steps often include confirming the creditor and amount in writing, disputing inaccuracies, and reducing phone pressure with written-only communication requests. If the facts suggest conduct may violate federal law, the firm can explain options such as disputes, complaints, and potential claims, so you can decide what to do based on documentation instead of guesswork.
| Item | Details |
| Law firm | Consumer Rights Law Firm PLLC |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Phone | +1 877 700 5790 |
| help@consumerlawfirmcenter.com |
Success Stories
Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help!
Had no fees or costs come out of my pocket!
Would definitely go back to them if anything else comes about.
Thank you so much! Derek also
I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
Final Thoughts on UCB Inc Debt Collection Calls
If you want a simple way to decide what to do next, choose one lane: verify (get written details), dispute (if you believe it is wrong), or resolve (only after terms are clear in writing). If you believe UCB Inc. contact may be excessive or misleading, keep your proof and consider legal help before you respond under pressure.
This article is general information and not legal advice.
FAQs About UCB Inc
Why is UCB Inc. calling me?
They may be contacting you about an alleged balance for a creditor or account owner. Ask for written details and itemization first, then compare to your records before you confirm anything. Save your call log and any letters.
What number should I use to call back?
Use the number printed on your notice first. If you need a cross-check, the official contact page lists a consumer hotline and mailing address, which can be safer than returning a caller-ID number.
How do I verify the caller is legitimate?
Verify using a letter you received and call back through published contact channels. UCB also lists additional outbound numbers, but spoofing is still possible, so written verification is a safer check.
What if I think UCB has the wrong person?
Dispute it in writing and state you believe you are the wrong person. Request written verification and avoid sharing identifiers by phone. Keep copies of what you send and any replies.
What if the calls feel nonstop?
Save call logs and voicemails, then track calls tied to one alleged debt. If you believe your log matches the “7-in-7” call-frequency presumption, keep that evidence and consider legal advice.
Can UCB sue me?
A lawsuit is possible in some cases, but a phone threat is not proof. If you receive court papers, verify the court and case number and respond by the deadline to avoid a default. Get help quickly if you are unsure.
How do I pay safely if I decide to pay?
Pay only after you receive written terms that match your records. Use official instructions from the letter or portal, keep receipts, and avoid paying through strange links or unusual methods.
Can this affect my credit report?
It could, depending on the account and reporting. If you believe a credit entry is inaccurate, dispute it with the credit bureaus and keep proof and dates. Track outcomes and save before-and-after screenshots.
How do I stop calls fast without paying?
Ask for details in writing, send a short written request, and consider requesting written-only communication. A cease-communication request can also exist under federal law, but it may not stop legal notices.
How can Consumer Rights Law Firm PLLC help?
They can review letters, call logs, and credit reports and help you plan disputes and communication limits. If you believe the conduct could violate Fair Debt Collection Practices Act (FDCPA), FCRA, or TCPA protections, they can explain potential options based on evidence.
If you want, paste the exact client requirements you’re following for these pages (for example: keyword limits, link rules, and whether you always want a conclusion). I’ll align this UCB page to that house style so it feels less “samey” across your collection library.
