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United TranzActions Phone Harassment?

Updated on March 22nd, 2024 by Attorney Derek DePetrillo

United TranzActions Phone Harassment? Is United TranzActions (UT) calling you ceaselessly?  Third-party debt collectors like UTA United Tranzactions are agencies who are tasked with the job of recovering debt on behalf of creditors or businesses. When a creditor sends a delinquent account to a debt collector, the debt collector begins the job of contacting the debtor to discuss the debt. This may be the reason why you’re getting calls from United Tranzactions. 

Debt collectors may go too far by indulging in actions like United TranzActions phone harassment in their attempts to recover debts, this is why the FDCPA (Fair Debt Collection Practices Act) was enacted. The FDCPA is a federal law that was enacted to protect the rights of consumers in the context of debt collection. The FDCPA has stern and precise guidelines about the activities of debt collectors. United TranzActions phone harassment is strongly frowned upon by the FDCPA.

Over the years, it has been established that many debt collectors do not follow the rules guiding debt collection. The high number of complaints filed by consumers who have been harassed in one way or the other depicts clearly that all debt collectors care about is recovering debts and not the sanity or dignity of the debtor. If you are experiencing United TranzActions phone harassment or your safety and security are being threatened by UTA Tranzactions, they are violating your rights under the FDCPA, and you can stop them. Under the FDCPA, the offending debt collection agency is responsible for paying our attorney fees and you could receive statutory damages from $100 to $1000.00. Don’t let debt collectors stress you out, call us now.

Debt collection process

The debt collection process kicks off when there is a missed payment on your credit card or on a loan you took. The span of this process takes 180 days from the kick-off to when it begins to get out of hand. Here’s how it works:

The first 30 days are for the debtor to rectify the issue and make a payment from the bill’s due date.

After these 30 days, if not rectified, the debt is handed off to a different department whose duty is to withhold delinquent debts.

Now the last phase is after 180 days, where the creditor may choose to contract the debt, or can even write it off his records and sell it instead to a debt collection agency like United Tranzactions. At this stage, the original creditor has given up hope on getting the debt from you before it expires.

Thus, the debt collector now has the full responsibility of pursuing you for the debt that you now owe to them.

What is considered an unfair practice under the FDCPA?

Under federal laws (the Fair Debt Collection Practices Act in particular), United TranzActions is not allowed to intimidate, harass, or abuse you in the process of trying to collect a debt.

Examples of practices that Unitedtranzactions is prohibited from include:

• Trying to get you to pay more than the amount you owe
• Depositing a post-dated check early
• Threatening you with violence, arrest, jail time, or corporal punishment
• Using language and symbols on an envelope that indicate that they are debt collectors.
• Lying to you regarding details about the debt, including its validity
• Impersonating an attorney or police officer
• Making threats to something that they do not have the legal authority or intention to do.

To avoid a misunderstanding and to always be able to prove your case of debt collection harassment against United Tranz, we advise that you keep a file of all letters and documents that United Transactions sent to you during the course of your communication with them.

You should also retain copies of documents you have also sent out, such as validation requests, and cease-and-desist letters, if any. Keep track of the dates you received a harassing call from a UTA phone number, as well as the times of conversation, along with notes about what was discussed.

These records will be invaluable if you ever have a dispute with a debt collector, retain the services of a lawyer, or decide to sue United TranzActions LLC to court for the violation of your debt collection rights.

In addition to the FDCPA, there are state and other federal laws protect you by preventing harassing, unfair, deceptive, or abusive practices from debt collectors.

If you are convinced that United TranzActions is using an unfair practice while collecting a debt, you can reach out to the CFPB, the FTC, your state’s attorney general, or an A+ accredited attorney at (877)-700-5790.

If you are able to prove a valid case of debt collection harassment, you will be awarded $1000 in statutory damages, in addition to any amount stipulated as your actual damages. Call now.

What to do when a debt collector harasses you

UTA transactions may employ various tactics when trying to recover a debt. Many consumers have filed complaints about debt collectors harassing them by calling them multiple times a day, leaving them threats, calling them at odd hours of the day, and calling their friends and loved ones. If the United Transactions debt collection process involves any of the above, they are infringing the FDCPA, and you can stop them.

You have the option of filing a complaint with the Federal Trade Commission, your state’s attorney general, or the federal or state court. You can also call us at 877-700-5790 for further assistance.

You can sue UTA Transactions for violating the FDCPA and if you win, you can get awarded up to $1000 in statutory damages.

While filing a complaint, you should attach the following information: any evidence that shows the violation, date, and time of phone calls, name of the agency, and name of the person who called you.

Is your debt collector legitimate?

When you are in communication with a debt collector, it is extremely important to ensure that the person you are engaged in conversation with is a legitimate collection agency before making a payment or even agreeing to make one.

There have been several reports of unsuspecting people getting scammed out of their money, and many of these people fell prey to these tactics majorly because they did not know how to identify the markings of a debt collection scam. Scammers posing as debt collection agencies are known to pressure consumers aggressively, use profane, obscene, and threatening language, and they often do not provide any documentation to verify the existence of the debt and the original creditor to whom the debt was first owed.

Debt collection scammers proliferate the debt collection world, and they employ several channels to contact unsuspecting consumers about non-existent debts. One such method is through the use of email scams where fraudsters contact consumers via their email address pretending to be debt collectors. If you get any of such messages from individuals claiming to be representatives of United Tranzactions debt collection agency, the information contained in the succeeding paragraphs is definitely going to help you overcome and emerge successfully. When a scammer is attempting to collect a fake debt using an email it’s called a phishing scam, and below are notable points to help you identify and avoid a phishing scam.

The erratic nature of the tactics that scammers use to get vulnerable consumers to pay them combined with the threatening sense of urgency that their messages seem to carry can make consumers be quick to make a thoughtless move, however, if you keep a level head and follow the easy-to-understand tips outlined below, you can protect yourself from falling prey to fraudulent debt collectors through phishing scams.

1. Verify that the sender’s email address corresponds with that of the collection agency:

Even though scammers will often try to make themselves appear like a legitimate debt collection agency by operating under the name of the company or any other authority figure, they cannot replicate a sender’s address.

Therefore, if you receive a collections email from UTA transactions notifying you of collection actions that are about to be carried out on your account, it will be from one of the company’s certified domain emails. What this means is that the domain name attached to the email address after the @ symbol will either read the company’s domain name or a related address. You have to be sure it is a confirmed United Tranzactions address. 

Even if you are expecting to be contacted by a collector (or anyone else affiliated with a debt that you owe), take a second to review the “From” address to ensure that they are indeed who they say they are. What if the email is not sent via a company domain? you might ask. Well, if the debt collection agency contacting you seems suspicious or does not have a company domain, don’t respond to the email or click on any links attached within the body of the message.

2. Validate the email without clicking on any links

Often, debt collection scammers will use less-than-reputable links to collect private information (such as your credit card number, social security number, or bank account and routing numbers) by tricking you into providing that data by simply clicking on that link and entering your personal and sensitive information into the required fields.

Some of them are even more dangerous and will provide a link for you to download malware directly onto your computer.
Any links provided in the body of the email could redirect you to fake sign-in pages that will share all the information that you have entered into the search field with the scammer. The scammer may also employ the use of payment portals designed to capture account numbers, or even prompt you to download malware that could put your entire cell phone or computer at serious risk of being hacked.

One great way to ensure that the links contained within the body of an email are legitimate is by hovering your mouse cursor over the link to see a link preview, likely at the bottom of your screen with the full URL. Make sure that you do not click when previewing the link, especially if the sender’s email address looks suspicious and is not attached to the company’s domain name or if there are grammatical errors contained within the body of the text.

By using this simple trick of hovering your mouse cursor over the link without clicking, you can make sure that the link address information matches the information in the email explaining where the link will direct you before you click on it and potentially put the safety of your device in jeopardy.

3. Conduct a thorough investigation of the company

If the information that you collect about a debt collector and who they claim to seem accurate, but you do not recall acquiring the debt that they claim you owe, the most surefire way to unravel a potential debt collection scam is by probing more deeply.

Look up the records and information about the debt collection company online to see if the company is registered with the Better Business Bureau, and conduct a Certified Business Search through RMAI, or email the company’s support team to confirm that the message was indeed sent from the company’s registered email address.

As we mentioned above: ignorance is not bliss when it comes down to cases of debt collection scams, and for this reason, it is extremely necessary to educate yourself on the debt collection process so as to be able to quickly detect any abnormalities.
If the collection agency claiming to be UTA transactions and the email that you have received is legitimate, then they will also have a way for you to validate the legitimacy of your debt before you pay them a penny. Call, write, or email United Tranzactions Miramar Florida directly and request additional documentation. Scammers won’t give you this additional information because they don’t have it to offer in the first place; only a company that collects real debt will.

4. Take your time to process the content

Scammers are aware that time is not on their side, and this is one of the reasons why they will always attach a threatening sense of urgency to the messages they send in their communications with you – because they don’t have much time to get the information they want. Legitimate debt collectors like United Tranzactions will never do this.

If you have received a phishing email and you can process the details and recognize that they don’t add up, then the scam is a complete failure. This is why scammers posing as debt collectors rely on aggressive, manipulative, and urgent language to kick you into over-drive and get you to ignore the important clues written in the fine print.

They may threaten you with an unenforceable legal action (which you will know is either a violation of your FDCPA rights or a scam if you are familiar with the debt collection process) or other types of harm such as corporal punishment or jail time, and they will stop at nothing to make you pay up before you get a chance to figure out what they are up to.

Real debt collectors will not resort to these malicious tactics, and many of the actions that these scammers threaten are actually against the law. Do not get startled by their threats and forceful language and end up letting it pressure you into paying; paying up a fake debt will do nothing but put you in bigger financial distress. By simply being aware of the debt collection process and your rights as a consumer, you can easily identify a debt collection scam that you may otherwise have fallen victim to.

5. Look through the email for spelling and grammar errors

Fake and fraudulent debt collectors are hope that they can catch you off guard. Although some phishing emails may look professional on the surface, a careful eye will reveal many errors that will not be present in a legitimate debt collection email, a notable one of which is grammatical and spelling errors.

Since a lot of scammers are not native English speakers, and their emails are created to target distracted, uninformed, and unaware consumers, one can easily understand why their messages are often hastily thrown together.

This means that phishing emails that are sent by non-native English scammers are much more likely to have typographical errors, spelling errors, and issues with proper grammar usage. Read the message carefully and DO NOT respond to it if it seems suspicious or if the sentences are not correspondent. Remember, information is power, and paying attention to these seemingly little details may save you thousands of dollars and a lot of heartache.

We all understand that it is easy to feel overwhelmed by your debts, and scammers are skilled at taking advantage of this opportunity by sending phishing emails that prey on vulnerable consumers and take advantage of those financial fears, nevertheless, keep these tips in mind and they will protect your financial well-being.

Knowing these about time-barred debt could save your life

Debts too old for your creditor and even debt collectors to sue you to court are time-barred. One prominent attribute of these debts is that there is a narrow chance of collecting them.

The law that puts a debt you owe in the condition described above is called a statute of limitation. Statute of limitation is simply the period within which you can be sued by your creditor or by debt collectors on account of your debt. For most states, it is three to six years but can be longer. To be sure about the statute of your debt, confirm with your Attorney General.

It would be irrational to assume that you no longer owe the debt simply because it is time-barred. Your creditor or debt collector can still request you pay up, but this is only within the boundaries of the law. You may be called or written to. However, the debt collector must tell you if the statute of your limitation is reached on the debt, they require of you. You also have the responsibility to carry out the debt validation process. Until the debt collector provides information on the statute of limitation of your debt, it is within your rights to ask him to stop contacting you.

As stated earlier, time-based debts are still payable and as long as you owe, they can be sold to different debt collectors. Again, making a partial payment to any debt collector restarts your statute of limitation and you can be sued. As much as it is within your power, pay up.

Finally, at any point in time that any debt collector violates your rights on time-barred debt, you are at liberty to file a complaint with the Federal Trade Commission and your State Attorney General.

Who is United TranzActions?

United TranzActions is a third-party debt collector located in Miramar, Florida. They have been a party in federal court many times in cases related to consumers. A recent Federal Court class action case alleged that United TranzAction debt collection agency threatened lawsuits and fabricated a bad check claim to coerce a payment from the harassed consumer.

Contact Information

Address: 3200 Executive Way

Miramar, FL 33025-3930

Phone: (800) 858-5256

Alternate Business Names

  • American Check Management, Inc.
  • National Check Trust, Inc.

Is United TranzActions a Scam?

According to the Better Business Bureau website, United TranzActions has been in business for 27 years. There have been 42 complaints filed against UT with the BBB. Read more about it here: United TranzActions Better Business Bureau

If you are not sure of the name of the collection agency that is contact you than feel free to visit our list of collection agencies List of Collection Agencies in United States Consumer Rights Law Firm PLLC (

United TranzActions Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

800-858-5256, 954-431-5561, (800) 858-5256, (954) 431-5561, 954-431-5561, 954-431-5256, 800-407-7459, 844-546-3162, (213) 204-3494, 954-431-5262,213-814-8422,

If the answer is yes, then you are receiving calls from a known UT number. You may be a victim of United Tranzactions phone harassment. Call us at 877-700-5790 for further assistance.


The following is a sample list of united tranzactions complaints in the past year and can be found on

5:17-cv-00913-M Wynder v. United Tranzactions LLC

3:19-cv-00595-CAB-AGS Stephens v. United Tranzactions, LLC

1:11-cv-00514-WDM-BNB Khouri v. United Tranzactions, LLC

1:11-cv-01271-CMA-KMT Zebroski v. United Tranzactions, LLC

1:11-cv-02490-REB-KLM Protze v. United Tranzactions, LLC

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the United TranzActions debt collection harassment. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:

Florida Attorney General

Consumer Finance

Professional Bureau of Collections

Machol & Johannes Debt Collection Harassment

National Enterprise Systems Harassment

Absolute Credit Phone Harassment

Harassing Phone Calls from 877-297-4438

McCarthy, Burgess & Wolff Phone Harassment

USCB Corp Debt Collection Harassment

RSH & Associates Debt Collection Harassment