Collection Bureau Services

CBS has directed the levying officer to return the $to the [redacted] today We will hold further bank levies so long as the wage garnishments are successful Mrs [redacted] has been telephoned and advised of the same

COLLECTION BUREAU SERVICES, INCCollection Department [redacted] [redacted] [redacted] *** [redacted] *** February 1, Re: [redacted] Our Account Number: [redacted] Mr [redacted] called CBS on January 18, He said, “I have some accounts with you guys, and I’m curiousIs there any way that I can get those removed off my credit report?” He was told six times that CBS would not remove themHe was advised that the items would report as paidHe indicated he understood and ended with a polite, ‘O.K., Thank you.” He called CBS again that day and asked for a list of original creditorsHe was informed that the creditors would not remove the accountsHe confirmed that he understood that, and stated that his bank wanted the listCBS had no conversations about his credit file prior to the time the accounts were paidCBS does not “delete for payment” as that practice is frowned upon by the CFPB and the credit reporting industryCBS is accurately reporting the debtsMr [redacted] seems to have CBS confused with another agencyIn his complaint to the Revdex.com, he states that he complained to the company involved in December and January and spoke with someone whom he believes is named MicheleHowever, in those two months, Mr [redacted] only contacted our office on January as discussed aboveFurther, there is no female employee named Michele, or anyone with a name similar to that in our officeSincerely, COLLECTION BUREAU SERVICES, INCBy /s/ Michael [redacted] M*** Michael [redacted] M*** Counsel MJM: Encl.: Cc:

Complaint: [redacted] I am rejecting this response because:Sincerely, [redacted] This is untrueWe never received any letters or phone callsAs much as they say they sent these out and they weren't returned could it also be true they where never sent? Just because people fell on hard times before, doesn't mean they are dishonest sm that are lyingWe also could be telling the truthHowever since it looks like we are just trying to get out of a debt we owe, they believe they can act this way and get away with it.When I talked to Todd he did say they sent one out a letter in Nov2013?I advised him I never received oneThis is once again different from what they claim aboveI also never received any callsI have been talking and researching online with other people that this has happened toThere is a pattern in all of themThey are" claiming" they sent out letters how convenientI have found people online where the exact same wording was used " trust them"They walk a thin line to try to keep it legal, however they do not contact you so your interest accruesThis is unethical and poor business behaviorMy address or phone number has not changedI will pay the $that they say we owe, even though we where told we only needed to pay what we did and to "trust her" where after that we never received a letter or call againThis business can put it legally written or wording they use to make it sound legitHowever this business really needs to be looked intoI also asked if I could receive a copy of the money orders..I was told noSee after six years I threw away this information honestly thinking this was doneDo you think I would get a membership with the same company I owed? I am telling the truth on this and they are trying to just get more money because they can word whatever they want on their accounts and say whatever they want on the phone and think who are they going to believe someone who had debt or a lawyers businessI will continue to fight this with the information I have receivedI will come to a agreement to pay $(even though we paid what was told to pay) because I was sent a summons of $in 2012..I will pay off that amount left over from that billWhether or not they said I didn't need to that was what I owedSo I will pay $but no moreI will not pay for their unethical business

Mr [redacted] issued a check to one of CBS' clients His bank dishonored the check, stating that his account did not contain sufficient funds CBS sent Mr [redacted] a demand for payment of the face value of the check and a $service fee as allowed by Montana law Mr [redacted] sent that demand back to CBS with payment of the face value of the check only The $service fee remains due Upon receipt of that amount, Mr[redacted] will be removed from CBS' check verification system Mr [redacted] mentions Experian and Trans Union CBS is not reporting this item to his credit file at this time Mr [redacted] also states that he has not agreed to pay this amount His obligation to pay is not based on agreement Rather, it is based on state law The present matter has nothing to do with any items Mr [redacted] dealt with previously The collector tried to resolve this matter by phone and correctly informed Mr [redacted] that it was MrLeaver's bank that dishonored the check The collector was professional, courteous and responsive He is not a bully simply because Mr [redacted] refuses to accept the fact his bank dishonored the check

Revdex.com,I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaintFor your reference, details of the offer I reviewed appear below.Regards,*** ***
Payment of $via check #was by Bob B*** received and never mentions August 28, 2015. I never agreed to pay $more

Under the circumstances, CBS will report the BullHook
balances to delete from the consumers credit file

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,
*** ***

The balance of $due on the judgment is comprised of the following balances:
Principal: $
Collection Fee:
Costs:
Interest:
========
Balance: $
The offer to resolve this matter for $304 is good to October 17, 2016. If that amount is not received in CBS' office by that date, CBS will pursue the full balance. Furthermore, this is the last response CBS will make in this matter

Mr. [redacted] issued a check to one of CBS' clients.  His bank dishonored the check, stating that his account did not contain sufficient funds.  CBS sent Mr. [redacted] a demand for payment of the face value of the check and a $30 service fee as allowed by Montana law.  Mr. [redacted] sent that...

demand back to CBS with payment of the face value of the check only.  The $30 service fee remains due.  Upon receipt of that amount, Mr.[redacted] will be removed from CBS' check verification system. 
Mr. [redacted] mentions Experian and Trans Union.  CBS is not reporting this item to his credit file at this time.  Mr. [redacted] also states that he has not agreed to pay this amount.  His obligation to pay is not based on agreement.  Rather, it is based on state law.  The present matter has nothing to do with any items Mr. [redacted] dealt with previously. 
The collector tried to resolve this matter by phone and correctly informed Mr. [redacted] that it was Mr. Leaver's bank that dishonored the check.  The collector was professional, courteous and responsive.  He is not a bully simply because Mr. [redacted] refuses to accept the fact his bank dishonored the check.

When the account was placed with CBS, Ms. [redacted] was sent a dunning letter on June 2, 2010, requesting the $221.00 balance of the account and a collection fee of $110.50 for a total of $331.50.  A follow up letter for the same amount was sent June 16, 2010.   Because Ms. [redacted]...

failed to respond to the dunning letters, a civil action was filed on July 22, 2010, seeking the balance of the account, the collection fee, accrued interest and the out-of-pocket fees CBS paid to pursue the civil action.   Ms. [redacted] was personally served a copy of the Summons and Complaint on August 3, 2010.  She contacted CBS on August 18 and advised that CBS was pursuing $432.24 at that time.   She stated that she needed to pay $221.00 and was advised again that CBS was seeking the principal amount, collection fee, costs and interest and the collector with whom she spoke broke down the amounts.  The breakdown was as follows.  Principal $221.00; interest $10.74; collection fee $110.50; court filing fee $35.00; process server's fee $55.00; TOTAL $432.24.  Ms. [redacted] stated that she could not pay that amount in full and asked about a payment arrangement.  Ms. [redacted] was told that CBS would be agreeable to payment  arrangements but would seek a default judgment if she did not answer the complaint.  Ms. [redacted] asked about the minimum payment amount that CBS would accept and was told that CBS would want the matter cleared up on 6 months.  Therefore, Ms. [redacted] was to make monthly payments of $75.00 beginning September 1, 2010. As she was told would happen, CBS prepared a Request for Entry or Default and Default Judgment.  On September 9, 2010, the Court entered an Order Granting Default and Default Judgment and a copy of the Judgment and a Notice of Entry of Judgment were sent to Ms. [redacted].  CBS received payments of $75.00 from Ms. [redacted] on September 3 and October 4, 2010.  When CBS failed to receive a payment November, it sent Ms. [redacted] a letter informing her of the balance of $288.64 and advising her that CBS had not received her $75.00 payment that was due.  CBS receive a $75.00 payment on December 7, 2010, which brought her payments current through the November installment.  Therefore, CBS sent her another letter on December 17 advising her of the balance of $215.70 and requesting her payment of $75.00.  CBS received no other payments, so it sent her demands as follows:  April 12, 2012, advising of the balance of $290.67; July 12 2012, advising of $297.04; and October 22, 2012 advising of balance of $303.41.  Ms. [redacted] failed to respond to those demands.  None of them were returned by the postal service to indicate that they had not been delivered as addressed.  There is a balance of $451.13 due to the unpaid balance of the original judgment and accrued interest and costs.   CBS did not agree to settle this matter for 3 payments of $75.00.  That statement makes no sense.  CBS was seeking almost twice that amount and its actions are consistent with the arrangement made on August 18, 2010.  Ms. [redacted] simply ignored CBS' efforts to recover what she knew it was seeking.

Under the circumstances, CBS will forward a check to Mr. [redacted] for $100 and report the item to delete from his credit file.

Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]
This is untrue. We never received any letters or phone calls. As much as they say they sent these out and they weren't returned could it also be true they where never sent? Just because people fell on hard times before, doesn't mean they are dishonest sm that are lying. We also could be telling the truth. However since it looks like we are just trying to get out of a debt we owe, they believe they can act this way and get away with it.When I talked to Todd he did say they sent one out a letter in Nov. 2013?I advised him I never received one. This is once again different from what they claim above. I also never received any calls. I have been talking and researching online with other people that this has happened to. There is a pattern in all of them. They are" claiming" they sent out letters how convenient. I have found people online where the exact same wording was used " trust them". They walk a thin line to try to keep it legal, however they do not contact you so your interest accrues. This is unethical and poor business behavior. My address or phone number has not changed. I will pay the $208 that they say we owe, even though we where told we only needed to pay what we did and to "trust her" where after that we never received a letter or call again. This business can put it legally written or wording they use to make it sound legit. However this business really needs to be looked into. I also asked if I could receive a copy of the money orders..I was told no. See after six years I threw away this information honestly thinking this was done. Do you think I would get a membership with the same company I owed? I am telling the truth on this and they are trying to just get more money because they can word whatever they want on their accounts and say whatever they want on the phone and think who are they going to believe someone who had debt or a lawyers business. I will continue to fight this with the information I have received. I will come to a agreement to pay $208 (even though we paid what was told to pay) because I was sent a summons of $433 in 2012..I will pay off that amount left over from that bill. Whether or not they said I didn't need to that was what I owed. So I will pay $208 but no more. I will not pay for their unethical business.

COLLECTION BUREAU SERVICES, INC. Collection Department [redacted] 
[redacted] February 1, 2017 Re: [redacted] Our Account Number: [redacted] Mr. [redacted] called CBS on January 18, 2017. He said, “I...

have some accounts with you guys, and I’m curious. Is there any way that I can get those removed off my credit report?” He was told six times that CBS would not remove them. He was advised that the items would report as paid. He indicated he understood and ended with a polite, ‘O.K., Thank you.” He called CBS again that day and asked for a list of original creditors. He was informed that the creditors would not remove the accounts. He confirmed that he understood that, and stated that his bank wanted the list. CBS had no conversations about his credit file prior to the time the accounts were paid. CBS does not “delete for payment” as that practice is frowned upon by the CFPB and the credit reporting industry. CBS is accurately reporting the debts. Mr. [redacted] seems to have CBS confused with another agency. In his complaint to the Revdex.com, he states that he complained to the company involved in December and January and spoke with someone whom he believes is named Michele. However, in those two months, Mr. [redacted] only contacted our office on January 18 as discussed above. Further, there is no female employee named Michele, or anyone with a name similar to that in our office. Sincerely, COLLECTION BUREAU SERVICES, INC. By /s/ Michael ** M[redacted] Michael ** M[redacted] Counsel MJM: Encl.: Cc:

CBS has directed the levying officer to return the $480.03 to the [redacted] today.  We will hold further bank levies so long as the wage garnishments are successful.  Mrs. [redacted] has been telephoned and advised of the same.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution will have to do...even though it was done dishonestly. I am mailing out a cashiers check for $304 tomorrow morning and I am thankful to you that it is on paper. If they fall from this statement is it kept on file? Having a bit of trust issues with this "company" Sincerely,  [redacted]

Review: this company is harassing us weekly by cell if not twice a week to see if we signed their agreement for a medical collection we may have been double billed for.They also have sent us a letter stating our 10.00 payment was not good enough and they would not cash it. Although further investigation states they cashed it. Now since we are not sending them their amount of money 50.00-150.00 plus 10% annually they are sending this to justice court in Ravalli County.

Business

Response:

[redacted] alleges that CBS is harassing them “weekly by

cell if not twice a week.” That is not

the case. As can be seen by the

chronology of events, CBS has not contacted [redacted] and has placed only

one call to [redacted]. Furthermore,

again contrary to [redacted]’ assertions, CBS did not commence the civil

action in response to the events described below. If fact, it was because CBS had commenced a

civil action that the events transpired.

11/13/13 CBS commenced civil action in Ravalli County

Justice Court.

11/18/13 CBS received a $10.00 payment from the

[redacted]. CBS sent them a letter advising

that the payment would be held pending the outcome of the civil action. Alternatively, it would be returned to them

if they so requested.

11/22/13 In response to the letter, [redacted] called

CBS and set a payment arrangement calling for payments beginning at $50 a month

and increasing to $150 over time. That agreement was to be reduced to writing

and filed in the civil action.

11/25/13 CBS’ attorney sent the agreement to Mr. and

[redacted] for their signatures.

12/05/13

[redacted] called CBS to advise that they had received the agreement. He stated that he wanted to talk to a couple

of people before he returned the agreement

and stated that he might be able to pay the matter in full within a

couple of months.

12/17/13 [redacted] called CBS and stated that he was

going to show the papers to an attorney the next day and return them to CBS the

following week.

01/02/14 CBS called [redacted] to follow up on the

stipulation. [redacted] apologized for

not returning the stipulation. He again

stated that he would send the stipulation and the first payment within a week.

01/03/14 [redacted] called CBS to advise that he had

mailed the first payment and signed the agreement that day.

01/03//14 [redacted] called CBS again. This time he stated that his attorney told

him not to sign the stipulation. Mr.

[redacted] further stated that if CBS wanted to continue to harass them, they

would continue to make small payments and hung up. This was on odd statement given the tone of

all previous conversations and the fact that CBS had called him once.

01/08/14 CBS received a $25 payment from the [redacted]. It again sent them a letter advising that

the check would not be negotiated pending the outcome of the civil action. They also advised that CBS would return the

payment upon request.

Contrary to [redacted]’ assertions, the checks have not

been cashed. CBS will pursue resolution of this matter

through the civil action.

Review: This company is one of the worst companies I have ever had to deal with! They wouldn't work with me on an appropriate amount for settlement, it was either this amount or they wouldn't take less. Their attitudes every time I call is rude and no where near professional. I paid the amount they asked for and I called a week later and asked for a letter from them stating our account was in good standing with them and told that they would not send me anything unless I sent a letter requesting it in writing and stamped envelope.Desired Settlement: I would like something stating my husband's account with them is settled in full and that they are reporting to the credit bureau the same thing!

Business

Response:

CBS was kind enough to waive over 40% of the accrued interest due on a judgment that was over six years old and to which no payments had been received in that time. That this may not be an "appropriate amount for settlement" in Ms. Jone's opinion is a shame given that CBS had no obligation to accept less than the full amount due. All CBS personnel were polite and business like. Ms. [redacted] apparently did not like what they had to say. As has already been confirmed to Ms. [redacted], CBS has received the payment . The accounts will be reported as paid to the credit reporting depositories in a timely fashion.

Review: I got a collection notice in the mail from CBS dates 2/25/13. At that point I called and requested infomation regarding the account they had in collections. [redacted] placed soomething in collections and I requested info as to what it was. At the time I left a message I stated that if it was a legit charge that it would be taken care of directly with the court house. In the last 2 days I have sent off two emails with no reply. I have now left a message. Very unprofessional for a collection company especially when its someone WANTING to pay the bill. I dont appreciate being ignored at all. In the message left for them today I again stated that beings they chose not to reply to me in any way that the charges will be taken care of directly with the courts tomorrow and they need to remove it from their office. Its very hard to take care of something when nobody can take the time to return communication.Desired Settlement: I want this collection taken out of their office as it will be paid in full tomorrow. This never should have been placed in their office to begin with as one it is a bogus charge from the courts and two I didnt even know I still owed it until AFTER I got the collection notice. A money order will be sent straight to the court house tomorrow morning. Not only do I want this removed from their office but also from my credit report. I am attaching a screen shot so you can see I did email.

Business

Response:

On February 22, 2013, CBS sent Ms. [redacted] a dunning letter regarding a fine from [redacted]. Ms. [redacted] left a voicemail on February 25, 2013, stating that she owed nothing to the court as she had paid everything. She demanded that CBS not contact her. Further she wanted proof of the debt as she had a letter from the [redacted] stating she owed nothing. Finally, she stated that she would pay the [redacted] directly if she actually owed a debt.

On February 25, in response to her request for "pooof", CBS sent Ms. [redacted] a copy of a payment ledger from the [redacted], copies of the tickets she had been issued in regard to this matter, and a balance report showing the amount owed. See attached. The balance due was clear from the documents sent.

Ms. [redacted]'s identical emails were seen on March 28. She did not provide a phone number and CBS would not communicate with her via email. As she left a voicemail that same day stating that she was going to send payment directly to the court, there really was no need to further respond.

There is currently a balance of $131.86 due. Upon receipt of that amount, this matter will be reported as a paid collection.

Review: In April of 2013 I realized when I balanced my bank account that I had written a check that would likely bounce. The check was written to a neighborhood store so I immediately made contact with them. I was referred to the owners Mother whom told me the check would be sent to Collection Bureau Services and she provided me with the phone number. I called them immediately to make good on the check. The agency would not allow me to pay them at that time they said I had to wait for their letter in the mail as they had not processed the check. I never received any notification from them until a process server showed up at my door with notification that a judgement had been filed against me asking for an extraordinary amount of money. I feel this business is running quite the scam playing an our word against theirs game where the intention is to scare consumers into paying obnoxious amounts of money without following the law. They did not send me proper and sufficient demand for the money within 10 days as stated by law, they sent nothing. Given my relationship with the owners of this store and their value to us in the community I would have done nothing less than pay this had I been given the opportunity to do so. I am certain the owners have no idea the game that is being played here and that this agency is collecting these copiuos amount of money.Desired Settlement: I would like to pay the check and service fee only and ask that Collection Bureau Services drop the lawsuit against me. It was my intention to pay this when I received the bill I was told I would be getting from them.

Business

Response:

Mr. [redacted] contacted our office on April 7. CBS acknowledged having the dishonored check. Mr. [redacted] was advised that CBS was processing a dunning letter that day and the collector verified Mr. [redacted]'s mailing address. He indicated that he would wait to receive CBS's dunning letter before paying. He called back that same day with a concern that he would be declined the opportunity to issue further checks. He was provided CBS's address with the implication that he wanted to make immediate payment. CBS sent Mr. [redacted] a dunning letter dated May 7. When Mr. [redacted] did not respond, it sent another letter dated July 3. Neither letter was returned by the postal service to indicate that it had not been delivered as addressed. Mr. [redacted] was in no manner refused the opportunity to pay immediately. In fact, as mentioned above, he was provided CBS's address on May 7. After more than two and a half months had expired, and Mr. [redacted] failed to pay the item that he knew CBS was collecting, CBS commenced the present action.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I received no communications in writing via US Mail from these people. The real loser here is the [redacted] as I will no longer do business with these people based on the type of people (CBM) they choose to do business with. I will let [redacted] and [redacted] know why they have lost my several hundred dollar a month worth of business so this company could collect the maximum amount they could and line their pockets.

Review: This company for some reason recorded a settled debt for July 2014. The actual date of the settled debt was October 2009. I had called to simply inquire about the possibility of dropping this off from my credit. I was not disputing anything. My husband and I are currently in the process of securing a loan for a new home. This is how we became aware of the error. I initially contacted [redacted] who was extremely rude and refused to help or acknowledge the possibility they may have erred in the reporting of the debt in question. I had to request a manager, [redacted]. He was just as rude and argumentative and initially refused to help. After faxing him the proof he did apologize and wrote an email acknowledging the mistake by his company. I thought this matter was finished but our lender contacted me and told me the wording of the email needed to be changed to satisfy the requirements for the processing of the loan. I contacted [redacted] again to inform him of the request for the bank. I told him this needed to be done before the end of today, business day, August 1st. He flat out refused and thought the whole request by the bank was silly. He said he would not do it until Tuesday the following week. I am not confident this will be accomplished.Desired Settlement: To ensure the company follows through with my last request to satisfy the requirements of my lender. This requirement is related towards restoring my credit rating that had been negatively affected by their mistake. I would also like an official apology from the company for the mistake they made and the lack of professional customer service.

Business

Response:

The personnel in this office have been professional and courteous with Ms. [redacted]. They both attempted to help her in spite of the fact that her problem was not created by this office. This office accurately reported that the account was paid in 2009. It has not reported anything differently about the payment date. Ms. [redacted] states that Mr. [redacted] sent an email in which he acknowledged a mistake by CBS. Contrary to that misrepresentation, his email makes no such acknowledgement as CBS made no mistake. (See attachments) Mr. [redacted] spoke with Ms. [redacted] on August 5 and sent an email (attached) confirming that CBS had requested the item be deleted from her credit file.