Total CFPB complaints
595
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 595 complaints
USCB, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about USCB, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
229 complaints
- Written notification about debt
Written notification about debt
157 complaints
- Communication tactics 55
Communication tactics
55 complaints
- False statements or representation 44
False statements or representation
44 complaints
- Cont'd attempts collect debt not owed 22
Cont'd attempts collect debt not owed
22 complaints
- Took or threatened to take negative or legal action 20
Took or threatened to take negative or legal action
20 complaints
D
Grade D · 57.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about USCB, Inc.?
USCB, Inc. has accumulated 595 total CFPB complaints across 30 states, with 33 filed in the most recent 12 months against 562 historical complaints before that window. The trailing-12-month volume represents 5.5% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 10% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 30 states, led by California with 397 and Arizona with 36, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places USCB, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
33
5.5% of total history
Falling ↓
States active
30
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
D
57.1/100 composite
Response-quality profile
How USCB, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 20.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does USCB, Inc. compare to its peers?
USCB, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed229 (%)
Written notification about debt157 (%)
False statements or representation44 (%)
Communication tactics55 (%)
Cont'd attempts collect debt not owed22 (%)
Took or threatened to take negative or legal action20 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 138 |
| Written notification about debt | Didn't receive enough information to verify debt | 108 |
| Attempts to collect debt not owed | Debt was paid | 64 |
| Written notification about debt | Didn't receive notice of right to dispute | 49 |
| False statements or representation | Attempted to collect wrong amount | 44 |
| Communication tactics | Frequent or repeated calls | 36 |
| Attempts to collect debt not owed | Debt was result of identity theft | 27 |
| Cont'd attempts collect debt not owed | Debt is not mine | 22 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 19 |
Where do complaints against USCB, Inc. come from?
The states where consumers have filed the most CFPB complaints against USCB, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against USCB, Inc.
Across 30 states with at least one filing
- California
California
397 complaints
- Arizona 36
Arizona
36 complaints
- Georgia 20
Georgia
20 complaints
- New Mexico 15
New Mexico
15 complaints
- Oregon 13
Oregon
13 complaints
- Maryland 12
Maryland
12 complaints
- Texas 12
Texas
12 complaints
- Colorado 11
Colorado
11 complaints
Frequently Asked Questions
What is the most common complaint against USCB, Inc.? ▼
The most common issue consumers report about USCB, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 595 complaints filed with the CFPB.
Are complaints against USCB, Inc. increasing or decreasing? ▼
Complaints against USCB, Inc. are falling. The company received 33 complaints in the last 12 months, showing improvement over prior periods.
What is USCB, Inc.'s reputation grade? ▼
USCB, Inc. has a reputation grade of D (score: 57.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does USCB, Inc. respond to consumer complaints? ▼
USCB, Inc. has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does USCB, Inc. operate? ▼
USCB, Inc. has received CFPB complaints from consumers in 30 states, with the most complaints from California (397 complaints).
What can I do if USCB, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If USCB, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |