636-946-8150

This number belongs to UCB (United Credit & Collections Bureau), locatrd just outside of St. Louis, MO in a town called Saint Charles, MO near North Kingshighway St. & Elm St.  Also, the number 636-896-8106 is associated with this company and 636-956-8150.

The people that work there and the gentleman who called me were very nice people. Not pushy or nasty. Explained my situation, they were patient and we worked things out to a mutual satisfaction.

Nasty people. Debt collectors, callling my phone for someone else, who doesnt give out my number.  They harrassed me repeately.  I asked them to leave a name and a message and they refused, and I told them if they didnt leave a message I wouldnt pass there name along, I know the person they want to contact and I could pass it along but not with out a message cuz the person has never heard of them and swears up and down they never gave out my phone number.

Very nasty rude people, called me repeatly with in minutes and refused to leave a detail'd message that I would pass on.

they are very rude they have no respect for you at all, he went off on me and i didnt even get to talk,

I received repeated calls from this number asking for someone I did not know. I told the caller politely that he had the wrong number, he insisted that he had the correct number and hung up on me while I tried to calmly sort out the situation. I even asked where he was calling from and all he told me was his name. I received another call today from a woman from the same number asking for the same person, only she was much nicer and actually believed me when i told her i didn't know who she was looking for.

I received a call from a NIkki who refused to identify the nature of the call. She yelled at me and hung up.

Debt Collector horrible people

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

UNITED CREDIT & COLLECTION INC.

When I went to their website using the link provided by the BBB I received an error message that I had to update Google Chrome.  I wasn’t using Google Chrome and if it needs to update then it takes care of itself.  I couldn’t find anything out at the website unless I agreed to update Chrome which I didn’t.  Their site went up in 2007 according to Whois.com.

BBB gives them a B+ rating with 16 complaints and 2 negative reviews.  They answered the second review with a snide remark.  Current info as of 5/23/2024\:  https://www.bbb.org/us/mo/saint-charles/profi ... -0734-110125389

Missouri has them listed as a Fictitious Name and not a Corporation which is very odd:

Name(s)
United Credit and Collections, Inc.
Business Address
2209 First Capitol Dr.
St. Charles, MO 63301
Type
Fictitious Name
Charter No.
X01189185
Home State
MO
Status
Fictitious Active
Date Formed
12/9/2011
Expiration Date
12/9/2026

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general