USCB Corporation

Review: USCB contacted me on 11/12/13 about collecting a debt from [redacted] College for classes I took years ago. I explained to them that I did not receive any information from [redacted]. They gave me the address where billing was going to and that was not a valid USPS address for 3 years. So they had to receive the mail back. They said they would look into it and at first they told me I was being billed for classes I never took. Later they told me it was for class I took in the summer session. So I explained to them that I did have financial aid and that [redacted]’s Financial aid office told me I had more money then I needed and I could use the extra loan money to pay off my books. Now they are saying I never received financial aid. I explained to USCB and [redacted] college many times that I did have financial aid and that [redacted] made a mistake. I have called and emailed USCB many times and it takes them weeks or months to get back to me. Please see last 2 emails sent to USCB below. I asked that this not go on my credit report because the account is still in dispute and they placed this on my credit report. I asked them a week ago to take it off and it is still on there and no one has emailed me back or called me. I also explained to them that [redacted] would not let any student go a whole semester without paying a dime or setting up a payment plan if they didn’t have financial aid. Which I did have so that is why I didn’t get pulled out of class or asked to set up a payment plan. ( I cannot add the screen shot of [redacted]s policy that was taken directly from [redacted]s Website for some reason)

From: [redacted]

Sent: Wednesday, April 02, 2014 8:42 AM

To: '[redacted]'

Subject: RE: loan info- [redacted] account- Please forward to [redacted]

I checked my credit score again and this issue is still on it. Again I expect this to be taken off of my credit report now. I am also waiting for [redacted]s response and your response to the email I sent on March 5th and again on March 24th. I am under Doctors care for excessive Migraines and possible **. I was told to reduce the stress in my life and this is not helping. USCB will not email or call me and [redacted] will not call me back either. Do I need to contact the president of USCB to get this taken care of? Do I need to contact the Revdex.com to get this resolved? I am the only one suffering from USCB and [redacted] not answering me. My credit is being ruined because USCB and [redacted] will not respond back to me and because you put it on my credit report while it was still in dispute. This is getting old and I expect someone to take care of this now and taken off my credit report now as well.

From: [redacted]

Sent: Monday, March 24, 2014 8:14 AM

To: '[redacted]'

Subject: RE: loan info- [redacted] account- Please forward to [redacted]

I just check my credit score and I see that you placed this account on my credit report. Since this is still in dispute and I am the only person that is returning emails on a timely manner I except this to be removed from my credit report immediately. I also need a response to my email that I sent on 3/5/14 to you with [redacted] Payment policy on showing that [redacted] made a mistake. I have had enough of this and I will not continue to email without any response back. I also have had enough of [redacted] not calling me back. This needs to be resolved and the last email I sent with [redacted]s Payment policy needs a response. I expect this to be removed from my credit report today.

Thank you

From: [redacted]

Sent: Wednesday, March 05, 2014 4:13 PM

To: '[redacted]'

Subject: RE: loan info- [redacted] account- Please forward to [redacted]

[redacted],

I can tell you why I have not received them Just like I told [redacted] and [redacted] from USCB when this all started they were sending things to an address that is not a valid USPS address anymore. They had to receive everything they sent me back. They told me they didn’t but since that address doesn’t exist then they had to. I would like to show you what is on the [redacted] College’s website about Financial Requirements for registration, If you read their rules below you will see that they would have pulled me out of class to schedule a payment plan if I didn’t have financial aid nor would they have let me register for classes not once but twice. I was enrolled in a second semester at [redacted] which I ended up withdrawing from. See why I say this is their mistake?

(this is where the screen shot from [redacted]'s Website was)

From: [redacted] [mailto:[redacted]]

Sent: Wednesday, March 05, 2014 2:52 PM

To: [redacted]

Subject: Re: loan info- [redacted] account- Please forward to [redacted]

Dear [redacted]:

I contacted [redacted] for you and expressed your concerns. The school still feels this is not due to an error on their end. It is a Federal requirement for you to accept/sign for your financial aid. Because that paperwork was not fully completed they could not disburse aid to your account. According to the schools records, several letters and invoices had been sent to you advising you of the outstanding balance. The last letter they sent you was 5/29/2013. I cannot explain why you did not receive them.

We can continue to go back and forth on this issue, or we can try to work out a resolution that makes you happy as well as the school.

You enrolled in the Summer Semester & registered for 3 courses. You completed 2 out of 3, with the 3rd course being dropped beyond the date for a refund. The total amount due for this semester is $3,850.00. Regardless, you still owe this tuition. It is a matter of whether you owe the school or you owe the government. Because your aid was not processed you owe the school.

In an effort to resolve this account I am going to offer you a very generous discount. I am offering you a 50% discount on the amount that you owe. If you pay the discounted amount of $1,925.00 by April 5, 2014 you will have no further obligation to [redacted] College. We will notify the college that your account has been settled in full & we will remove all entries from your credit report.

I want to work with you & I hope that this will be something that works for you. Please let me know.

Sincerely,

Manager

This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

=======================

Accounts Manager

USCB Corporation [redacted] PA [redacted](fax)

On 3/4/2014 8:33 AM, [redacted] wrote:

Hi [redacted],

Thank you for responding, I read and understand what you are saying but why should I be paying for a mistake that [redacted] made. I was told by 2 people at [redacted] that I was fully covered. I had a meeting with the financial aid department and they didn’t ask me to sign anything. I know they get busy and I understand that they were rushing to get through everyone that had questions for them and I understand that mistakes can be made but why do I have to pay for their mistake. How do I go a WHOLE semester without having a loan and without paying them any money, or setting up a payment plan with anyone at all without someone questioning me? Someone should have said something to me while I was a student not 3 years later. Which keep in mind the first time I heard about this issue was when it got a call from USCB. For 3 years I did not hear anything from [redacted]. None of this sounds correct to me. I will not pay for [redacted]s mistake. If they want to add it to my student loan like they were supposed to originally that is fine. This all should have been fixed or questioned while I was a student not 3 years later. They didn’t take the time to fix this while I was a student or even ask me for money when I was enrolled. Why am I just hearing about this 3 years later? I received my grades, I completed my classes without any questioning from anyone at [redacted]. If I owed them money why didn’t anyone say anything to me while I was enrolled, why did I get my grades why did they let me participate in classes if I didn’t have financial aid or when I didn’t have a payment plan set up with them? That doesn’t sound right to me. If I owed them back then and they knew about it they would have been asking me for money and they would not have let me participate in any classes without setting up a payment plan with them and giving them some amount of money to start.

Thank you,

From: [redacted] [mailto:[redacted]]

Sent: Monday, March 03, 2014 4:35 PM

To: [redacted]

Subject: Re: loan info- [redacted] account- Please forward to [redacted]

Dear [redacted]:

I apologize for taking so long to get back to you. Thank you for sending me copies of your loan documents. I did forward those copies to [redacted] College and have received a response from them. According to their records their Financial Aid Office does have record of your filing for financial aid, however they have advised me that you never singed the financial aid award letter, which is how you accept the financial aid. Even though you did complete the FAFSA for** & were awarded loans/financial aid does not mean the school can automatically put the loan/aid onto your account. Because the award letter was not signed the financial aid could not be processed. This is why you owe [redacted] College directly rather than owing a loan to the Department of Education for these charges.

Sincerely,

Manager

This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

=======================

Accounts Manager

USCB Corporation [redacted] PA [redacted](fax)

On 2/25/2014 11:24 AM, [redacted] wrote:

I haven’t heard back from anyone regarding this issue. This is getting really old. I seem to be the only person that is trying to resolve this issue. I have been dealing with USCB and [redacted] trying to get this issue resolved since 11/12/13. I am not going to have my credit affected because [redacted] made a mistake. I expect this issue to solved by fixing [redacted]’s mistake by bringing my account to $0.00.

If we do not get this resolved by the end of next week 3/7/14, I will be contacting the Revdex.com, the Attorney General and Middle States Association of Colleges and Secondary Schools- whom [redacted] has their accreditation withto let them know how [redacted] and USCB runs their college and company.

Thank you,

From: [redacted]

Sent: Monday, February 10, 2014 10:11 AM

To: '[redacted]'

Subject: FW: loan info- [redacted] account- Please forward to [redacted]

Renee,

Here is the documentation showing that I did apply for financial aid. I also wanted to make sure that everyone understands that when I went to orientation for the weekender program, a lady in the financial aid office told me that I had enough financial aid for that year and that I had extra money left over if I wanted to us it to purchase my books. The lady in the book store also told me the same thing. But I didn’t not use the extra money to buy my books.

I also know [redacted] policy for payments and if you were not covered by financial aid they would work with you on a payment plan. If you didn’t pay them anything or set up a plan they sent a note to your professors and they would not let you into their class until you have been cleared with the registry department. No one ever told me that I had to talk to the registry department before I could continue participating in their class. I’m not sure what went wrong on [redacted]s end but I need this taken care of and taken off of my credit report because it is not a mistake on my part it is a mistake on [redacted]s part. I also except that since this issue is in dispute and [redacted] will not call be back and I haven’t heard from any one at USCB since I called on 11/25/13 and spoke to you that this will not be placed on my credit report because I am trying to solve this but I am not receiving any phone calls back from anyone. I know you said that you didn’t get a message from me but I did leave you a message on 12/2/13 and 1/15/14 I left a message (with a [redacted] in her office) for [redacted]- the director of student Business services and did not receive a call back from anyone.

Please let me know what the next step is and that this is not on my credit report or if it is that it will be removed.

Thank you,

[redacted]Desired Settlement: I would like this taken off of my credit report. I would also like this money added to my student loan like it should have been from the start and like [redacted] told me it would be.

Business

Response:

I received your complaint for **. [redacted]. As per **. [redacted]'s request I have requested that [redacted], [redacted], [redacted] and [redacted] delete this entry from her credit history. That request was processed in my office today. The confirmation number is #[redacted]. Please give the credit bureaus at least 30 days to process my request.

I cannot however add and/or transfer any funds to **. [redacted]s account. I would suggest **. [redacted] contact the college directly to make arrangements on her tuition account.

Sincerely,

[redacted], Manager

File [redacted] College

This is an attempt to collect a debt by a debt collector & any information obtained will be used for that purpose.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: I have tried to contact [redacted] and they either do not call me back or they tell me I need to talk to USCB and they can no longer help me. I have to go through USCB. I do appreciate that they started the process in removing this from my credit report. However it is still on there. I understand I might have to wait a little while before it is removed. I will let you know when it is removed or still isn't removed after a few days.

Regards,

Business

Response:

Dear [redacted]:

Sorry for the blank response on complaint # [redacted] - [redacted].

Here is my correct response:

I received **. [redacted]'s rejection notice for my response to her

complaint. I would like to address her concerns:

As I stated in my previous response, we have closed her file, stopped

all collection activity and returned her file to [redacted] College. The

school has suggested she contact [redacted] in the Student Business

Services Department @ [redacted], she will be more than happy to help

her.

I requested all four credit bureaus remove this entry from her credit

history on 4/3/2014. It can take the bureaus up to 30 days to update

her records.

If there is anything else I can do, please don't hesitate to contact me

@ [redacted].

Sincerely,

Manager

File [redacted] - [redacted]

Review: I used to attend a college in PA called [redacted]. I left it not long after, and was soon receiving calls telling me that I had to pay for the rest of my tuition. However, as I had been making payments, there was a settlement between them, my father, and myself which was paid. Then we started receiving calls telling us to pay MORE than what had already been paid. Now they have this company calling me every day trying to collect money for something that, if both they and [redacted] would check their records, was already settled. Thanks to them, my credit has taken a hit because no one will look back and see that my father and I already paid [redacted] what we owed them. Not to mention the fact that their staff is rude and uncaring in their dealings with me. I'm not sending any money to them because, as I've said, the account was paid and I'm not wasting my hard earned money on someone that's only going to keep harrassing me with calls to my house. I'm unable to get my apartment because these people have filed it on my credit score as a collection attempt when there is NOTHING to collect in the first place!Desired Settlement: I want them to remove the information that was filed on my credit report since the issue was already resolved. Besides that, I only want them to leave me and my family alone and stop calling us as well as sending me letters. We've taken care of the account in question and there is proof to back up that claim.

Business

Response:

I received [redacted]'s complaint. The school is does not have any record of [redacted] or her father paying the balance of her tuition or a settlement amount.

In an effort to resolve this matter we have closed [redacted]'s file & returned it to our client. Any entries to her credit history have been deleted.

I would suggest [redacted] contact [redacted] directly to provide them with the proper documentation showing her payment.

Sincerely,

[redacted], Manager

File [redacted]

This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I was going through my credit report when I found this business listed on it in a derogatory marks section. I have not been contacted by this company or anyone associated with it. I want the information as to why it is there and what the charge is for. It was listed as originally form March of 2013. I signed up for or authorized anything around that time last year.Desired Settlement: I want this removed from my credit report from all 3 credit bureaus.

Business

Response:

Dear [redacted]:

I received your complaint for **. [redacted]. I have attached a copy of **. [redacted] enrollment contract with our client [redacted] School. This account is for the Computer Information Systems AS Degree Program he enrolled in on 5/4/2011. He has completed 31% of the semester. The balance due for that semester is $ 1,361.30.

As a courtesy I will have any entries on his credit history from USCB Corporation removed.

If **. [redacted] has any other questions concerning his account, he can contact me directly @ ###-###-####.

Sincerely,

[redacted], Manager

File # [redacted]

This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

This does not actually settle the issue. I attempted to cancel shortly after the enrollment. I was told I could not cancel until I received the handbooks. (That was about a month after enrollment) Once I received the handbooks I completed some of the course work. I was informed I could cancel anytime up until 50% of the course was done. When I called to cancel the final time ( Because I was informed the school is not accredited and the credits transfer NO WHERE and the whole program was a scam) I was told that my account was closed and all money paid would be used to cover the costs for the material. I am not sure where the amount of $1361 comes from since I was required to pay $39 up front, the maximum the balance could be is $1331. I also made several payments so again this is a fraudulent total. I was issued 2 magazine type books and a math book that was dated 2005, which was first clue that this was a joke of a school. This needs to be removed from my report and considered closed like I was told it was back in 2011 when all of this started.

Regards,

Review: I settled a debt that had been placed with this collection agency on behalf of [redacted]. I have settled this debt in April 2014, I have made numerous calls to have the trade file removed from the three credit bureaus. I am told each time that the issue would be escalated and I would receive a call back, unfourtunately I have not received a call back regarding this request. The account currently is still reporting under collections on my credit it shows a current balance of $0 and shows it was closed as of 12/31/1969. I need this item removed so that I can obtain a home loanDesired Settlement: The desired outcome is to have the item deleted from all three credit bureaus.

Business

Response:

I have reviewed [redacted]'s records. On April 8, 2014 [redacted] called our office. She agreed to pay a settlement to close her account with our client. Once that settlement was paid we closed our file, notified our client & updated her credit history to a settled in full for a lesser value status.

Based on credit reporting guidelines that is the proper way to update someones credit history if they pay less than the full value of the debt. That entry would normally remain on your credit history for 7 years.

As a courtesy to [redacted] I have requested all four credit bureaus to remove this entry from her credit history. Please give the bureaus at least 30 days to update their records.

If you have any further questions, please don't hesitate to contact me.

Sincerely,

Elena S[redacted], Manager

File [redacted]

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I just obtained a copy of my credit report and found the following derogatory collection item with a partial account number of [redacted] being reported by USCB Corporation.

The original creditor is [redacted], a for profit school, that just like this rogue collector takes advantage of underprivileged and ignorant people who simply do not know any better.

I have never had any contact with either the collector or their client. Having said that, the collector is in violation of the FDCPA, because they did not even inform me of this debt, nor gave me an opportunity to dispute it and or request validation of it.Desired Settlement: I demand the immediate removal of this account at once, because it is not mine. I will also be filing a complaint with the Pennsylvania's Office of Attorney General.

Business

Response:

I received [redacted]'s complaint concerning an incorrect entry on her credit history. I have reviewed our records for account number [redacted]. We are trying to contact a person with the same name as [redacted], however our contact information is different (address, phone & email). It appears that the credit bureaus have placed this on her credit history in error. Please see my attached letter advising [redacted] that I have requested all four bureaus remove this entry from her credit history. That request was processed in my office today.

If she has any further questions, please don't hestiate to contact me.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,