Collection Bureau of America

Please see attached business response

Complaint: [redacted] I am rejecting this response because:Sincerely, [redacted] And before it can be sent to collections they have to show they sent a notes of past due are mail from that old address was forward for days then extension of days to make sure of any money owed to creditors and we got non so they didnt even follow the fair credit reporting act or the fair billing process set by the state and federal government of final bill or past due notes they have to do that first before it can be processed for collection or credit report We returned the equipment but in two to three months we have security camera information showing in that time period they never mad a delivery after the first month of services making contract nul and void by Washington state contract they never contacted us till now that we owed anything we have them for services now and they didnt say nothing, We never said we didnt have services thats all you show but they charged us for services we never got and the big part is federal law says they have to report to credit reporting agency and collection with in yr or they never can report itso has to be removed.and they posted it to my credit report one month after delinquent amount, and one yr it was removed so they can not post it again so it has to be removed it was already on the credit report when the dept occurred in to So law says it can never be placed back on credit ever And the documents dont show anything proof of this dept with signature or are credit or debit card that we own this account due

Revdex.com Re: Response to Revdex.com Case name: [redacted] To Whom It May Concern: Please allow this correspondence to serve as Collection Bureau of America’s (CBA) response to the Revdex.com complaint filed by [redacted] [redacted] After an exhaustive search of CBA’s database, we have determined that CBA cannot identify an account for [redacted] Without an ID number from CBA or the ID number from the original creditor, we cannot accurate identify the account in which Ms [redacted] feels alleged violations have occurred Should Ms[redacted] find information that she believes is inaccurate on her credit file, the Fair Credit Reporting Act (FCRA) is very specific on the process a consumer needs to follow in order for their claim to be investigated The credit bureaus will then contact CBA through [redacted] and request verification of the identification of the responsible party We will respond with the information that was assigned for collection CBA endeavors to comply with all state and federal laws governing its collection activities Should Ms [redacted] have additional information which can aid in our investigation of the complaint, CBA is willing to further investigate the allegationsWith the information provided, CBA has no other option than to conclude that there are no violations Please contact our office should more information be needed at [redacted] Sincerely, [redacted] SrVice President Collection Bureau of America

This response does not show I signed a contract with themI have never received their services or have lease equipment from sparklersI will not accept this response until I see a contract where I signed or accepted termsThis is fraudPlease verify my social or drivers licenseStatements do not prove I have your services that I never hadSparkletes has denied to give infor.ation on this account because they have no recordsPlease Revdex.com help me out with this fraudulent account.Complaint: [redacted] I am rejecting this response because:Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2015/08/25) */ Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the Revdex.com complaint filed by [redacted] A review of the collection file in connection with Ms [redacted] reveals facts that are inconsistent with the allegations listed in his complaint of August 11, The City of Torrance account number associated with the complaint is XXXXXXXThe service date was November 4, for services provided by the Fire Department in the amount of $ As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address that was assigned for the accountThe last known address was at XXXXX WALNUT ST SPC [redacted] XXXXX-XXXXWe make every effort to see that the address we have on file is the most accurate address in which to mail toThis account was sent to the National Change of Address (NCOA) registry to determine the mailability scoreIt was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmed As a matter of general business practices, CBA processes all debtor records through a national data base to check for bankruptcy filingsCBA did not receive notification of a bankruptcy on [redacted] at the address on file with the DOB [redacted] CBA did not have a SSN to investigate further CBA is a credit reporting agency and all unpaid collections are eligible to be reported days after assignmentThe account was credit reported on September 10, more than days after assignment and in compliance with the lawIn order to protect the integrity of the information being reported to the credit bureaus, CBA follows strict guidelines on which accounts are credit reported Only July 31, 2015, CBA again checked to see if a bankruptcy was on file for Ms [redacted] Again CBA received notification that no bankruptcy was on fileOn August 11, 2015, Ms [redacted] provided CBA a copy of a discharged bankruptcyCBA ceased all collection activity and cancelled and returned the account to the original creditor as included in bankruptcyA submission was made to the credit bureaus to remove all derogatory information Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) My bankruptcy WAS on file (granted by the court on 08/12/2013) and IS on fileClearly their efforts to obtain information regarding my bankruptcy was poor at best Additionally, where in their response to they address the problem of their staff? When I received yet another bill and called their office, I was told quite clearly that if I provided my attorney information, THEY would contact him to confirm whatever bankruptcy information they needed When I called back a few days later, not only was I hung up on by one representative, but another refused to take my attorney information and was very rude about it At their request, I tried to fax the information twice (to XXX-XXX-XXXX and then to XXX-XXX-XXXX)Both numbers gave me a recording that "the number is no longer in service" When I called YET AGAIN to advise that the number was disconnected, the woman argued with me and basically said I didn't know how to use a fax machine Their customer service agents are nasty and uncooperative, and, it would seem, give guidance to callers I shouldn't have had to file a complaint with the Revdex.com just to have this bill written off YEARS AFTER BANKRUPTCY Final Business Response / [redacted] (4000, 10, 2015/09/10) */ Your concern in its entirety has been forwarded to the Collection Bureau of America Compliance Officer for an internal review, folland appropriate actionAlthough we are unable to share any specific action with you, as personnel issues are confidential, the staff involved with your account will be followed up within accordance to Collection Bureau of America's Human Resources policiesOn behalf of the Vice President of CBA, we wish to apologize that you felt you did not receive the level of service expectedYour concerns will be shared as a learning experience with the staff Final Consumer Response / [redacted] (4200, 12, 2015/09/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Standard generic response I shouldn't have had to open a Revdex.com complaint to get this account closed/written off and I shouldn't have had to open a Revdex.com complaint for someone to get a clue that the staff is horrible and nasty and disrespectful

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that if the agency agrees to the attached letter this resolution is satisfactory to meSincerely, [redacted] ***

We requested all three bureaus to delete this account from the credit report Attached are the requested for deletion and the cancelation letter for your records

Please see the attached response and copies of the invoices from deliveries Dec-to March

Initial Business Response /* (1000, 10, 2015/10/31) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the complaint filed by *** ***
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated
and mailed to the address that was supplied by Charter on May 1, The address supplied was *** XXXXX-XXXXThis account was sent to the National Change of Address (NCOA) registry to determine the mailability scoreIt was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmedNo forwarding address was on file
The general requirement is to obtain verification from the creditor that the amount demanded is the amount owed by the consumerCBA is supplying validation and verification within the requirements of the Fair Debt Collection Practices Act (FDCPA)Further, upon receipt of this complaint, CBA contacted Charter to verify the allegations and the debtCharter informed CBA that the debt is valid and owedCBA submitted a dispute to the credit bureaus as required by the Fair Credit Reporting Act (FCRA)
Because CBA desires to be cooperative in this process, we are willing to resolve this matter with the debtor and will delete all derogatory information upon receipt of payment in fullAs of the date of this response, the amount owed is $Until such time CBA will continue to identify the debt as under dispute
Initial Consumer Rebuttal /* (3000, 12, 2015/11/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
While I appreciate the opportunity to resolve this alleged debt there are a few concerns I need to address
Included in the response from the company are two lettersThe most recent, sent after the dispute was addressed to an address I have not lived in over yearsAlso, did not receive a response to delete the alleged debt from the credit reporting bureaus after payment
To resolve these issues I called the company on November 13, to update the address to my current address in ***, ** and also made a payment of $
I am currently waiting for a letter for an agreement that I will not dispute the charge with my credit card company and a letter that the alleged debt will be deleted entirely from my credit profile as stated by the agent I spoke with
Final Business Response /* (4000, 14, 2015/11/17) */
CBA has mailed out the described letter from the customer's rebuttal to the address of *** *** Drive ***, ** XXXXX on 11/17/Upon receipt of the signed non dispute CBA will send out the deletion slips to the credit bureaus

Complaint: ***I am rejecting this response because:Sincerely,*** ***
You defrauding me you need to send boxes for mailing you equipment back now we disconnected services on the of last month for Directv breaching contract, NEED BOXES NOW We have filed in Federal court against you this message is being forwarded as well to the Federal court to make sure you dont commit a fraud Felony either
Need boxes to return equipment within business days today's date is 12/01/
per are contract saying we will receive equipment return boxes in business days, and the difference of what was to credited to the account and the rest of the contract you breached has been sent to Evergrade collection for to be collected from DirectvANd we filed an fraud FCC complaint as well have proof of all transactions that happened with directv showed in court now waiting judgmentAll law suits will be stopped at corrections to this account is fixedand I can and will show proof of the fraud you commited

Initial Business Response /* (1000, 6, 2015/08/25) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the Revdex.com complaint filed by *** ***
A review of the collection file in connection with Mr*** reveals facts that
are inconsistent with the allegations listed in his complaint of August 11, The DS Services account number associated with the complaint is XXXXXXXThe service address for this account originated at *** XXXXX-XXXXThe service was terminated on March 24, for nonpayment and assigned for collections on November 4, for the amount of $
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address that was assigned for the accountThe last known address was at *** XXXXX-XXXXWe make every effort to see that the address we have on file is the most accurate address in which to mail toThis account was sent to the National Change of Address (NCOA) registry to determine the mailability scoreIt was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmed
CBA is a credit reporting agency and all unpaid collections are eligible to be reported days after assignmentThe account was credit reported on December 23, more than days after assignment and in compliance with the lawIn order to protect the integrity of the information being reported to the credit bureaus, CBA follows strict guidelines on which accounts are credit reported
CBA has attached verification and validation of the debtCBA contacted DSW to verify the balance and status of the accountDSW confirmed that there is a remaining balance owed on the account
Because CBA desires to be cooperative in this process, we are willing to resolve this matter with the debtor and will delete all derogatory information upon receipt of payment in fullAs of the date of this response, the amount owed is $Because of interest that may vary from day to day, the amount due on the day paid may be greaterUntil such time CBA will continue to identify the debt as under dispute
Initial Consumer Rebuttal /* (3000, 9, 2015/09/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The amount of $in a cashiers check was mailed out on the X-through certified mail (XXXXXXXXXXXXXXXXXXXX), which shows it was received as of aug 31,I have not received any anything from CBA in writing stating item will and has been deletedAs soon as I receive a letter stating item has been removed/deleted from the credit reporting bureaus (transUnion, Experian, and Equifax) will I accept
Final Business Response /* (4000, 16, 2015/09/15) */
Written verification was mailed 9/4/and again on 9/11/to the address supplied by the consumerA copy of the actual AUD was attached with the original response
Final Consumer Response /* (2000, 18, 2015/09/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Re: Response to Revdex.com Case number:***
DS Services of America Account number* ***
Collection Bureau of America Id
number:***
To Whom It May Concern:
Please allow this correspondence to serve as Collection Bureau of America’s (CBA) response to the Revdex.com Complaint filed by Ms*** ***.
On behalf of CBA and the team, we wish to apologize that you felt you did not receive the level of service expected. Your concerns will be shared as a learning experience with the staffAlthough we are unable to share any specific action with you, as personnel issues are confidential, the staff involved with your account will be followed up within accordance to Collection Bureau of America’s Human Resources policies
The DS Services (*** account number *** is associated with the complaintThe service address was *** * *** *** *** ** ***. The service was first billed on 2/16/and last billed on 4/8/17. The unpaid residential account was assigned for collections on 4-28-for the amount of $370.42. The service name on the account is *** ***. The balance of $is explained as follows: Principal = $169.85, Additional Fees = $and Equipment (Water Cooler) = $170.00. We received notification on 7-14-that the customer has returned their cooler and bottle. The charge of as well as the bottle deposit was removed As of date of this letter, the balance due is $198.59. Because of interest charges that may vary from day to day, the amount due on the day it is paid may be greater
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address *** * *** *** *** ** *** on 5-3-17. We make every effort to see that the address we have on file is the most accurate address to which to mail to. This account was sent to the National Change of Address (NCOA) registry to determine the mailability score. It was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmed
Sincerely,
*** ***
*** ***
SrVice President
Collection Bureau of America
*** *** ** *** ***

To Whom It May Concern:
Please allow this correspondence to serve as Collection Bureau of America’s (CBA) response to the Revdex.com Complaint filed by Ms Drian ***.
The DS Services (Alhambra) account number*** is associated with the complaintThe
service address was *** *** ** *** ** ***. The service was first billed on 03/16/and last billed on 12/20/15. The unpaid residential account was assigned for collections on 3-1-for the amount of $376.43. The service name on the account is *** ***. The balance of $is explained as follows: Principal = $89.01, unreturned bottles = $Additional Fees = $and Equipment (Water Cooler) = $
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address *** *** *** *** ** *** on 3-8-16. We make every effort to see that the address we have on file is the most accurate address to which to mail to. This account was sent to the National Change of Address (NCOA) registry to determine the mailability score. It was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmed
According to our records, CBA spoke to Ms*** on 2-2-during this conversation she needed to call us back in hours and wanted the return location to return the cooler and empty bottles. Ms*** then called back on 2-2-and spoke to our collection rep ***, Ms*** was provided the drop off locations of *** *** *** *** ** *** Ms*** informed our rep that she would be out of the Country and would drop it off when she returns.
CBA wishes to be corporative and once the account balance $is paid and the equipment and any empty bottles are returned to the address of *** *** *** *** ** *** we will delete this from the credit report.
Attached are all the invoice billed by DS Services, (Alhambra) as well all the notices we sent to Ms***
Sincerely,
*** ***
SrVice President
Collection Bureau of America
***Revdex.comTell us why here

See attached

Collection Bureau of America does not send e-mails to customers without their consent. I do not have any record of this customer in our data base, if she is receiving an e-mail from Cash Advance please note that
Cash Advance Inc company does not and has not ever existed at *** ***
*** *** ***, CA. Collection Bureau of America is in no way affiliated with this e-mail
Collection Bureau of America has also alerted the State Attorney General's office to this as they are, at times, using the physical address of Collection Bureau of America but they are identifying themselves as Cash Advance
Thank you,
*** ***
SrVP
Collection Bureau of America

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Revdex.com
Via Consumer Portal
Re: Response to Revdex.com Case number:***
DS Services of America Account
number:***
Collection Bureau of America Id number: ***
To Whom It May Concern:
Please allow this correspondence to serve as Collection Bureau of America’s (CBA) response to the Revdex.com Complaint filed by Ms*** ***.
According to the information provided by the creditor, DS Services of America, the address of service was on *** *** *** *** ** *** ** the name of *** ***. The account was assigned to CBA on 11/11/for collection. As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address of *** *** *** *** ** ***
According to our records, CBA spoke to Ms*** on May 9, 2017. During that call, Ms*** indicated that she would return the equipmentCBA provide Ms*** with the return location for the equipment and she verified her current address and phone number during this call.
I’ve attached the duplicate invoices from DS Services from the first billing statement to the last that billing statement. I’ve also attached the account memo history from the current creditor DS Services
We have placed this account in a disputed status and will suspend collection activity until Ms* *** ** able to pay the account. Tell us why here

Initial Business Response /* (1000, 5, 2015/09/23) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the complaint filed by *** ***
The DS Services (DSW) account number associated with the case number is XXXXXXXThe service address for
the account was XXXXX *** XXXXXThe service was installed on July 20, and disconnected on November 7, The account was assigned for collections on November 11, for the amount of $in the name of *** ***
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address that was assigned for the account which was the service addressWe make every effort to see that the address we have on file is the most accurate address in which to mail toThis account was sent to the National Change of Address (NCOA) registry to determine the mailability scoreIt was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmed
CBA was thereafter contacted by Ms*** on September 10, who spoke to the Vice President of Operations and claimed that her name was used fraudulently to open this serviceMrs*** explained the fraud procedure in detail as there are specific procedures that need to be adhered to as defined by the credit reporting agenciesA submission was made to the credit bureaus to reflect the account as under dispute and a fraud package was sent to Ms*** to complete
CBA has included a copy of the affidavit of fraud that needs to be completed by Ms*** in order for the fraud investigation to beginUpon completion of the investigation, CBA will notify Ms*** of the findings and the appropriate update will be sent to the credit bureaus
Should it be determined that the account is fraud, a submission will be made to remove all derogatory information as the account is included in fraudShould it be determined that the account is not fraud a submission will then be made to the credit bureaus to reflect the account as under disputeWritten notification will be forwarded to Ms*** with the result of the investigation
Initial Consumer Rebuttal /* (3000, 7, 2015/09/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never used this water, I never received this service now this company DC Water is trying to fraudulently collect $dollars for water I never receive, why is this company so desperately trying to fraudulent obtain money from customers this is fraud it needs to be reported to the Office of the Attorney General in *** and the state where DC Water is I have already sent a official complaint to Office of the Attorney General *** Consumer Fraud Department against DC Water company
Final Consumer Response /* (4200, 11, 2015/10/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would prefer that this collection agency forward their final response to me the consumer at my home address in *** please, I would prefer to have the original letter from this collection agency
Final Business Response /* (4000, 13, 2015/10/21) */
The consumer may access the documents provided securely and at any time via the Revdex.com portalThe complaint was filed electronically, therefore the response was provided the same

To Whom It May Concern:
Please allow this correspondence to serve as Collection Bureau of America’s (CBA) response to the Revdex.com Complaint filed by Ms*** ***.
The Stanford Health Care account number *** is associated with the complaintThe
date of service was rendered on 5-8-14. The service was first billed on 1/08/and last billed on 2/8/by Stanford Health Care. The unpaid account was assigned for collections on 4-13-for the amount of $135.00. The patient name on the account is *** *** ***. The balance of $is explained as on the attached summary of bill attached.
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letter was generated and mailed to the address *** *** *** *** *** ** *** ** ***-15. We make every effort to see that the address we have on file is the most accurate address to which to mail to. This account was sent to the National Change of Address (NCOA) registry to determine the mailability score. It was determined that the address was an accurate and mailable address and the Delivery Point Verification (DPV) as defined by the United States Postal Service was confirmed

Initial Business Response /* (1000, 5, 2015/11/04) */
CBA has attached verification of the debt and has ordered all derogatory information removed.