- Report: #182888
Complaint Review: UCB - Toledo Ohio
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UCB
5620 Southwyck Blvd. Toledo, 43614 Ohio, U.S.A.
Phone:
800-3947590 e6922
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UCB, Collection Agent Valentina Claimed debt was mine and lied Ripoff Toledo Ohio
My parents were contacted on 3/21 by Valentina looking for either me or my ex-husband, gave my parents a case number and asked for me to call her back. I called her back the next day. I was informed my ex had opened an account with Sears and placed me as an authorised user. He had defaulted the account in 2002 and since I was an authorized user, I was now liable for this debt.
I informed her we had been seperated since 1999, and divorced since 2000, and asked when this account was opened. She told me she did not have all the information but believed it was in 2000. I told her I did not sign anything and she informed me it didnt matter. He had given my SS#, and my birthdate and since I was on the account I was responsible for the $2183.90. I told her I would not pay this debt, it was not mine but I would try to locate my ex so they could contact him.
Later that afternoon, I called Sears Credit and spoke with a customer service rep, who without my ex husbands SS# could not help me. She did tell me that it could be the collection agency was just trying to collect any way they could. I went home, found the SS# and called back. This representitive looked up the account and SURPRISE SURPRISE I was never on the account, the account had been opened in 2001 with his girlfriend. This lady lied to me... told me I was responsible. Told me it was going on MY CREDIT REPORT. She couldnt tell me why this account had never showed up on my account previously, but it should. What rights do I have against this? They apparently had looked up a previous credit application my ex and I had filled out when we were still married to get my parents phone number. But to sit there and tell me I owe the debt? How many other people have they done this too? What can I do to prevent this? I will take any advise.
Crystal
Modesto, California
U.S.A.
I informed her we had been seperated since 1999, and divorced since 2000, and asked when this account was opened. She told me she did not have all the information but believed it was in 2000. I told her I did not sign anything and she informed me it didnt matter. He had given my SS#, and my birthdate and since I was on the account I was responsible for the $2183.90. I told her I would not pay this debt, it was not mine but I would try to locate my ex so they could contact him.
Later that afternoon, I called Sears Credit and spoke with a customer service rep, who without my ex husbands SS# could not help me. She did tell me that it could be the collection agency was just trying to collect any way they could. I went home, found the SS# and called back. This representitive looked up the account and SURPRISE SURPRISE I was never on the account, the account had been opened in 2001 with his girlfriend. This lady lied to me... told me I was responsible. Told me it was going on MY CREDIT REPORT. She couldnt tell me why this account had never showed up on my account previously, but it should. What rights do I have against this? They apparently had looked up a previous credit application my ex and I had filled out when we were still married to get my parents phone number. But to sit there and tell me I owe the debt? How many other people have they done this too? What can I do to prevent this? I will take any advise.
Crystal
Modesto, California
U.S.A.
1 Updates & Rebuttals
Tracy
Akron,Ohio,
U.S.A.
UCB practices
#2Consumer Suggestion
Fri, April 07, 2006
Number one, the term "authorized user" is just that. You are authorized to purchase on the account, but you are NOT liable for payment. There are 3 kinds of users on an account. 1) Primary user. this is the person who will be reponsible for payment. 2) Joint or co-user. this person would also be liable to pay if primary did not. 3) authorized user. is not liable for any payment whatsoever. an authorized user is a person who the primary had agreed to let use the account with full knowledge that the primary will be repsonsible to pay the debt,. NOW, UCB collectors use any and all ways to get paymet, it does not matter to them who it is. they skip trace to find anyone they can who is related to the person who actually owed the debt. if they cant get them to pay, they will try anyone else. they threaten , lie, tell you they can take your personal property. they will tell you that they are attorneys who are suing you. (I have that on tape from a ucb collector. I also have tapes of supervisors who told me that the collector had every right to say what he did. ) I know for a fact, from REAL attorneys, that UCB violates just about every FDCPA law in existence. They also know that it is very hard to get federal to sue on behalf on only one person. federal only sues companys on behalf of hundreds of people for one suit. So UCB continues to break the law. But with thier client base becoming more and more knowlegable to the many violations, they are taking thier business away from UCB. Hopefully, that will be what it takes to close ucb down . one can only hope....................
