Who Is United Collection Bureau? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact United Collection Bureau
- Address to send a debt validation letter
- United Collection Bureau, Inc. 5620 Southwyck Blvd, Suite 206 Toledo, OH 43614-1501
- Phone
- 1-866-209-0622
- Official website
- https://ucbinc.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
United Collection Bureau (UCB) is a third-party debt collection agency that collects on delinquent accounts referred to it by creditors, including healthcare facilities, financial-services businesses, and government entities. If UCB is contacting you, it’s worth asking them to validate the debt in writing to confirm the amount owed and that it’s authorized to collect on the account before paying anything.
Questions & Answers
Is United Collection Bureau a legitimate debt collector?
United Collection Bureau shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop United Collection Bureau from calling me?
Under the FDCPA, you can send United Collection Bureau a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with United Collection Bureau?
Send a written debt validation request to United Collection Bureau's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is United Collection Bureau on my credit report?
If United Collection Bureau is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team