Collection Bureau of America

Please see attached

Our client DS Services never responded to the new fraud claim that Mr. Lopez stated on his last complaint.  Collection Bureau of America has closed this account and returned it back to DS Services.

Initial Business Response /* (1000, 5, 2015/07/03) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the Revdex.com Complaint filed by [redacted].
The California Highway Patrol account number associated with the complaint is...

XXXXXXX. The account is for booking fees assessed by the California Highway Patrol on September 26, 2013 and assigned for collections to CBA on January 30, 2015 for the amount of $1526.00. The name on the citation was [redacted] with DRL number EXXXXXXX.
As specified in the California Government Code (Section XXXXX), any person who is under the influence of an alcoholic beverage and/or any drug, whose negligent operation of a motor vehicle causes any incident resulting in an emergency response, is responsible for the costs associated with a public agency's emergency response to the incident. As such, to provide an additional deterrent to impaired driving, the CHP began billing for DUI cost recovery on a statewide basis on January 1, 1989. The money collected through the DUI cost recovery program goes to the Motor Vehicle Account (MVA). Ultimately, this program holds impaired drivers accountable for their actions by holding them criminally and financially responsible.
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. The last known address was [redacted] XXXXX. We make every effort to see that the address we have on file is the most accurate address in 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.
CBA is a credit reporting agency and all unpaid collections are eligible to be reported 35 days after assignment. The account was credit reported on April 7, 2015 more than 35 days after assignment and in compliance with the law. In order to protect the integrity of the information being reported to the credit bureaus, CBA follows strict guidelines on which accounts are credit reported.
Upon receipt of this dispute, CBA contacted the California Highway Patrol to verify the debt. The California Highway Patrol informed CBA that the debt was valid and owed as of July 3, 2015.
CBA wishes to be cooperative in this process and has ordered all derogatory information removed for 60 days to allow Ms. [redacted] sufficient time to locate verification that the account has been paid in full or pay the account in full in the amount of $1562.00. At the end of the 60 day period, if the account has not been paid in full or verification that the account has been paid in full has not been received, a report will be made to the credit bureaus to reflect the account as disputed.

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 90 days then extension of 280 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 2017 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 1 yr or they never can report it. so 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 180 when the dept occurred in 2012 to 2013
 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.

See Attached

Please see attached business response.

Initial Business Response /* (1000, 5, 2015/09/15) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the Revdex.com complaint filed by [redacted].
(2) When collecting on a time-barred debt where the debt is not past the date for...

obsolescence provided for in Section 605(a) of the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681c): "The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, Collection Bureau of America may continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting." (3) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in Section 605(a) of the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681c): "The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency."
The DS Services (DSW) account number associated with complaint is XXXXXXX. The service address for this account was [redacted] XXXXX. The service was terminated on October 16, 2009 and assigned for collections on October 26, 2009 for the amount of $564.29.
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. The last known address was [redacted] XXXXX-XXXX.

We make every effort to see that the address we have on file is the most accurate address in 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.
CBA was thereafter contacted by Mr. [redacted] who made three (3) attempts to pay the bill: 5/21/2010, 6/5/2010 and 9/3/2010, all of which were returned as non-sufficient funds. All further attempts to contact Mr. [redacted] were unsuccessful. CBA is a credit reporting agency and all unpaid collections are eligible to be reported 35 days after assignment. The account was credit reported on October 14, 2010 more than 35 days after assignment and in compliance with the law. In order to protect the integrity of the information being reported to the credit bureaus, CBA follows strict guidelines on which accounts are credit reported.
Upon receipt of this complaint, a submission has been made to the credit bureaus to reflect the account under dispute. CBA contacted DS Services to verify the allegations and the debt. DS Services informed CBA that the debt was valid and owed. On September 14, 2015, Mr. [redacted] telephoned CBA and made an offer to pay $564.29 in 2 payments of $282.12 on September 15, 2015 and September 28, 2015. The payment made on September 15, 2015 was returned as declined. The current balance is $898.22 because of interest that may vary from day to day. CBA will continue to identify the debt as under dispute.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This account must be removed from the credit reporting my agency. Contacting the original creditor is not enough to validate the original date. Written proof must be show and mailed to me at my correct address. Plus the reporting balance is incorrect to the CRA.
Final Business Response /* (4000, 9, 2015/09/23) */
CBA supplied validation and verification to Mr. [redacted] above and beyond the requirements of the Fair Debt Collection Practices Act (FDCPA). Further, upon receipt of this complaint, CBA contacted DS Services to verify the allegations and the debt. DS Services informed CBA that the debt is valid and owed. CBA submitted a dispute to the credit bureaus as required.
Final Consumer Response /* (4200, 11, 2015/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Just recieved a letter from Dynamic Recovery Solutions out of Greenville SC. The original creditor listed does not exist. I did my homework and looked them up.

Here is what I am doing and you should too regarding any bogus collection agency.

1. Write them a letter. I am providing a template of what to write below. Communication must be done in writing and it must be sent certified.
2. You have to send a 2nd letter. Even if they do not respond. You have to send a 2nd letter. Even if they get your first letter, they can still call you. Telling them verbally to stop calling does nothing except irritate you and waste your time.
3. Make sure to send the 2nd letter, which is a cease and desist letter to get them to stop communicating with you. Once you do this you ahve legal recourse to sue them.

Here is the letter to send. Just add your name. I also photocopy the form letter they send to me and mail them back the copy so they have all the info to reference.

March 14, 2015

YOUR NAME AND ADDRESS

Dynamic Recovery Solutions
PO Box XXXXX
Greenville, SC XXXXX-XXXX

To Whom It May Concern:

I am sending this letter to you in response to a letter I received from you on March 10, 2015. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state; and
Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the four major Credit Bureau's (Equifax, Experian or TransUnion, et al, said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

We received notification to close this account as assigned in error.

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 response, however this customer has paid this account in full today, the account has been closed at CBA.

Initial Business Response /* (1000, 5, 2015/11/06) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the Revdex.com (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 her complaint. Specifically, CBA did not 'split' a debt. Ms. [redacted] had 2 separate collection items from 2 separate creditors assigned to CBA for collection.
The original creditor, DS Services assigned unpaid bottle water service to CBA on January 4, 2011. On September 20, 2012, East Bay Municipal Utilities District assigned and unpaid residential account.
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letters were generated and mailed to the address that was assigned for the account. We make every effort to see that the address we have on file is the most accurate address in 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.
CBA is a credit reporting agency and all unpaid collections are eligible to be reported 35 days after assignment. The account was credit reported in compliance with the law. In order to protect the integrity of the information being reported to the credit bureaus, CBA follows strict guidelines on which accounts are credit reported under the Fair Credit Reporting Act (FCRA).
Nevertheless and because CBA wishes to be cooperative, a request will be submitted to the credit bureaus to remove all derogatory information with regards to these accounts. Written confirmation is attached.
Initial Consumer Rebuttal /* (3000, 7, 2015/11/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have documented proof that CBA split my debt and submitted an updated balance to all three credit bureaus. I had to dispute the claims to have CBA prove it or revive it, which they did afterwards.

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 Laura [redacted].
 
Communication
 
On August 26, 2016, CBA received an account for Ms. [redacted] from her an...

unpaid [redacted] delivery account.   On August 31, 2016 CBA sent the first letter was sent to Ms. [redacted] advising her of this unpaid balance.  On 12-28-16 we spoke to Ms. [redacted], she stated she was disputing the balance but no detail of this dispute was ever received to investigate.  On 2-24-17 a second notice was sent to Ms. [redacted].  On 5-2-17 CBA contacted Ms. [redacted], the collector properly identified the consumer, properly identified Collection Bureau of America, properly identified the current client, DS Services, provided Ms. [redacted] with the [redacted] as well as two party consent to record the call.  Ms. [redacted] provided the credit card information and paid the account in full.  After the payment was processed Ms. [redacted] called back to inform the collector that she mistakenly paid this account and would like the credit card credited.  Ms. [redacted] was called back 2 hours later to inform her that we have credited back her card and we will send out validation of the debt. 
 
Proposed Resolution
 
Based upon the above information, it is the position of CBA that no laws have been broken and that it did not act improperly. Ms. [redacted] call back after the payment was completed and expressed that she was confused about the current creditor and thought she was paying her City Water account.  Collection Bureau of America was willing to work with Ms. [redacted] and provide her with great customer service and a prompt resolution to her confusion, Ms. [redacted] was contacted back and informed that we approved and voided her credit card transaction in the amount of 79.50.  According to the current creditor, DS Services Kentwood Springs, the account balance is due and unpaid. We've included the invoices from the last payment to the current amount due for Ms. [redacted] records, also included is a copy of the voided credit card transaction that was processed 5-2-17 at 4:02pm that Ms. [redacted] was already verbally aware of on 5-2-17. We have placed this account in a disputed status and will suspend collection activity until Ms. [redacted] is able to pay the account. 
 
Sincerely,
 
 
 
[redacted]
Sr. Vice President
Collection Bureau of America

Initial Business Response /* (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, 2015. The City of Torrance account number associated with the complaint is XXXXXXX. The service date was November 4, 2012 for services provided by the Fire Department in the amount of $379.25.
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. The last known address was at XXXXX WALNUT ST SPC [redacted] XXXXX-XXXX. We make every effort to see that the address we have on file is the most accurate address in 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.
As a matter of general business practices, CBA processes all debtor records through a national data base to check for bankruptcy filings. CBA 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 35 days after assignment. The account was credit reported on September 10, 2013 more than 35 days after assignment and in compliance with the law. In 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 file. On August 11, 2015, Ms. [redacted] provided CBA a copy of a discharged bankruptcy. CBA ceased all collection activity and cancelled and returned the account to the original creditor as included in bankruptcy. A submission was made to the credit bureaus to remove all derogatory information.
Initial Consumer Rebuttal /* (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 file. Clearly 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 false guidance to callers.
I shouldn't have had to file a complaint with the Revdex.com just to have this bill written off 2 YEARS AFTER BANKRUPTCY.
Final Business Response /* (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, follow-up and appropriate action. Although 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. On behalf of the Vice President of CBA, 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 staff.
Final Consumer Response /* (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 me. Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because:Regardless of the attempts I was calling to SETTLE the debt. I don't believe as if I should have been treated...

the way that I was.  I was rejected an offer that was affordable for my family of 6 and I at the time. At that time I offered was was affordable to me I was TOLD that it wouldn't work. I would think as a debt collection company any amount being offered at the time should be taken. And the customer should not be treated as if the amount that us affordable for them is ridiculous. I felt like I was belittled. I understand that it was a debt, everyone has their ups and downs, I was trying to resolve and resettle the debt. I was also HUNG UP on. I would like a recording of the conversation to have on file. I have paid the debt in full today but I still think it should be known how the situation was dealt with. Thank you.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/09/08) */
Please allow this correspondence to serve as Collection Bureau of America's (CBA) response to the Revdex.com (Revdex.com) complaint filed by [redacted]
The original creditor, Silicon Valley Oral & Maxillofacial Surgery assigned unpaid...

invoice XXXXX to CBA on April 28, 2014. The original date of the service was January 4, 2012. The balance assigned was $160.80.
As required by the Fair Debt Collections Practices Act (FDCPA), the initial collection letters were generated and mailed to the address that was assigned for the account. The last known address was [redacted] S [redacted] Ave [redacted] CA XXXXX. We make every effort to see that the address we have on file is the most accurate address in 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.
CBA is a credit reporting agency and all unpaid collections are eligible to be reported 35 days after assignment. The account was credit reported Jul 14,, 2014 in compliance with the law. In order to protect the integrity of the information being reported to the credit bureaus, CBA follows strict guidelines on which accounts are credit reported under the Fair Credit Reporting Act (FCRA).
A review of the collection file reveals facts that are inconsistent with the allegations listed in his complaint. Specifically, on October 22,, 2014, CBA spoke to the consumer with regards to the delinquent account. The call was recorded and full disclosure of this fact was given to the debtor before the recording began. CBA informed the consumer that the balance due was $160.80 and interest had accumulated in the amount of $45.03 for a grand total due of $205.83. The consumer refused to pay any interest and agreed to pay the $160.80 to pay the account in full. CBA did not agree to delete the derogatory item but did agree to report the account as paid in full.
Nevertheless and because CBA wishes to be cooperative, a request will be submitted to the credit bureaus to remove all derogatory information with regards to these accounts. Written confirmation will be sent to the last known address for [redacted].

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 allegations. With 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]
Sr. Vice President
Collection Bureau of America

On behalf of the  CBA, 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 staff. Although 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.

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

This response does not show I signed a contract with them. I have never received their services or have lease equipment from sparklers. I will not accept this response until I see a contract where I signed or accepted terms. This is fraud. Please verify my social or drivers...

license. Statements do not prove I have your services that I never had. Sparkletes has denied to give infor.ation on this account because they have no records. Please Revdex.com help me out with this fraudulent account.Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]