Credit Adjustment Board, Inc.

Dear ** ***,
We are in receipt of your letter dated September 18, 2014, in regards to the above-referenced matter
On September 17, 2014, ** *** called our office and requested that we send her "paid in full" letters on her accounts that were paid in full to our
officeOn September 18th we printed and mailed our "paid in full" letters to ** *** per her request
If ** *** has not received these letters by now, please have her contact me directly and I will send these to her again
Sincerely,
CREDIT ADJUSTMENT BOARD, INC
By: *** ***, President

Revdex.com spoke with *** *** and he stated that they do send out a collection letter that has been approved by a counsel and they have been using that letter for about years now*** *** stated that the consumer was not hung up by *** *** and the consumer was very upset regarding the letter
that was received

*** *** ***
*** *** *** ***
*** ** ***I am in receipt of your letter dated March 25, 2015, in regards to the above-referenced matter.I apologize for any inconvenience this may have caused Ms***.Per Ms***'s request, we have removed her work phone number from
this account and we will notcontact her there again.If Ms*** would like to pay her just obligations to my client, please have Ms*** contact my*** *** *** *** ** ** *** ** *** Mr*** would be more thanhappy to tailor a payment plan to accommodate Ms***.Sincerely yours,*** ***

***
sans-serif;">Hello and I would like to respond to this complaint by first offering my sincerest apologizes for any inconvenience this may have caused the complainant We did notify the complainant of this delinquent account, in writing on May -28- We also offered the complainant payment arrangementsWe were notified by complainant to cease communications with her on July- 15-,and we did so immediately, and have not contacted nor will we contact complainant again in the future in regards to this accountPlease have the complainant contact me directly if she needs anything else Thanks,
Nick

Dear *** ***I am in receipt of the above-referenced matterPer the claimants request, we have changed the statusof her account to "Dispute"; we have sent her a copy of her bill in writing to her Post Office Box and wehave ceased communications with her, all per her
request.Thank you and please let me know if you need anything else regarding this matter.Sincerely, *** ***

CAB is one of the rudest and nasty staff. They try to talk to you as if you have no sense. Yes, I gave him the dial tone. They canceled my appointment with my doctor whom I was seeing and paying. Just because they are a collection agency, they don't have the right to make decisions for my medical care and the doctor office never said anything to me about back payment which I was getting ready to pay.

Dear Ms. [redacted]:Toll Free [redacted]April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to [redacted] for any inconvenience that this has caused her.also want to assure her that...

this account has been closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurred. B[redacted] about this.Sincerely yours,

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this...

proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I receive very little mail and open everything that I receive.  TO DATE, I YET TO RECEIVE ANY CORRESPONDENCE VIA MAIL FROM THIS COMPANY.
Regards,
[redacted]

My experience with CAB is frustrating and disappointing. The bill they called about is in my daughter's name who was a minor when the service was performed and therefore my responsibility, however because my daughter turned 18 the company will no longer discuss the matter with me. But they do call me to talk to my daughter and this one time I allowed them to have my daughter's phone number since they didn't indicate which bill this was. I told them immediately that she was at work and could not speak at the time they were calling, so [redacted] asked if she could leave the message with me. I took her message and believed she would have the courtesy to not call my daughter while she was at work. Sadly, she called her anyway and was extremely rude. My daughter was flustered and wasn't sure even what the bill was so she felt very off guard and in trouble as well as threatened. These types of collection tactics are simply wrong and definitely not the way to go about getting the bill paid. This bill is one of many we have and are making payments on because of our financial hardships we've incurred over the last year. Because of their ugliness they are now put at the bottom of the bill list to receive payments. Go ahead, hurt my and her credit! You can't hurt it any more than it already is. Credit Adjustment Board, Inc. I wouldn't give [redacted] a raise any time soon unless this is how you train your people! I wonder if she likes her job!

Dear Ms. [redacted]: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter.  Verdana; font-size: 11px;">The complainant's facts are in dispute and erroneous. Any fee earned by my company was justly earned in accordance with a written contract between the parties. I have contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC.

[redacted]
[redacted]
[redacted]I am in receipt of your letter dated May 1, 2015, in regards to the above-referenced matter. I want toapologize to [redacted] for any inconvenience that we have caused her. Please let her know, that we willaccept her $20.00 a month...

payment towards her accounts. I have instructed my [redacted], to handle this account personally and to send [redacted] a payment plan letter andreturn envelope to her each month.If [redacted] needs anything else, please have her call [redacted]Thanks again for your help in this matter.Sincerely,[redacted]

C.A.B. phoned me last year about a recent outstanding medical bill. I offered to start a payment arrangement and was told that was acceptable. Then was told they would file a judgement. I started making payments to the medical company and have been continuing to. Today I received another saying the med company was happy with the payments and asked how I planned to pay it. I phoned the med company. They said they were happy with my payments. I phone a supervisor at C.A.B. who need up saying none of what I said was true. I added him to listen to recorded call. They don't record but refused to believe the threats made by them. POOR AND THREATENING SERVICE

Dear Ms. [redacted] :I am in receipt of the above referenced matter. Per the complainant's request, my company has ceasedall communication. Also, we have requested of our client today, written validation of these accounts,which we will forward to the complainant as soon as we receive...

them.Thank you.

This company really needs to better train employees to be respectful and professional. I received call from representative who stated her name is Ms. K[redacted] concerning an account submitted to them for $19.00 and some odd cents. I attempted to ask this representative questions regarding this bill due to me not having received any bills from the stated provider and not having personally had any medical services. I ask for details regarding the services such as who was this service for and she provide my child name and proceeded to be pushy, disrespectful in her tone and stated are you going to pay this debt if not..I stopped her there and ask what address was this provider sending statements to she provided this information and proceeded again to tell me are you paying this debt or not I told her that that the wrong address and she stated its what you provide and I stated that I provided the correct address in addition to a copy of my id and insurance cards. She again was rushing me and ended up not wanting to answer any other questions. She said her spill about this is a debt, if you choose to pay you can call back at this number... And hung th phone up. I called back explain what happen and stated that I will pay this bill but I will not accept being talked to in the manner in which I was. I get this same person in the phone. I don't have much to say to her. I gave my information for completing the payment and then asked to be transferred to a supervisor due to her lack of professionalism. Mr. H[redacted] the supervised was brief of this interaction and he stated that it seemed that this rep needs some additional training. I would say she needs more than training. Just because your in a position to bully someone at least you think you don't have the right to do so. Especially in a time where any can call you in a phone and say you have a debt and get your credit information. I have a right to ask these question and verify whether this is my responsibility. I was suppose to be emailed a confirmation of payment and have yet to receive it. I would encourage whoever owns this company to puts some resources in finding some professional employees not someone who seems like there under the influence of something and lacks the ability to be decent and respectful. I work in MH field and clearer this person has some issues. Invest in the best.

Dear Ms. [redacted]: I am in receipt of your letter dated August 22, 2016, regarding the above-referenced account.  Verdana; font-size: 11px;">I want to apologize for any inconvenience this has caused the complainant and we will not contact her regarding this account again. The complainant can, of course, continue to pay her account on the payment arrangement that she has previously made with my company. Sincerely, CREDIT ADJUSTMENT BOARD, INC.

Re: Case Number #[redacted] To Whom It May Concern: We are in receipt of the...

above-referenced case regarding [redacted]. I would like to apologize for any inconvenience this may have caused Ms. [redacted]. Our client, [redacted], has notified us that they are rebilling this account with Ms. [redacted]'s insurance company. This account has not been reported to any credit bureaus nor will it be. We have also cancelled and closed out this account from our inventory. Sincerely, " CREDIT ADJUSTMENT BOARD, INC.

[A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending...

it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]

From May 11, 2015 until March 15, 2017, I was an employee at the Credit Adjustment Board located at 8002 Discovery Drive Ste 311 in Henrico VA. My 2 years working there, I have seen so many unethical things happen from employees threatening other employees, people lying in unemployment hearings, and more. I always thought if I minded my own business and went to work and did my job that everything would be ok for me.

On March 10, 2017 at approximately 10:27am, I had one of my clients call in about a bill she owed. My supervisor took the call, made my client irate, so she called back and was able to speak to me. I apologized that she had been spoken to rudely and assisted her as I should have according to my job duties. When I hung up, my supervisor began to call me a (excuse my language but I want to speak verbatim) "stupid bh" and stated that she was "just trying to help my stupid as out". I was shocked, and so was the entire office. I proceeded to take my break and she followed me out of the office, still calling me stupid bhes and let me and the other employees know that as long as our owner, Josh Rahman, was the owner of the company, she would always have a job and could treat us how she wanted and if we didn't like it, we could "get the fk out'. Her rant lasted an entire 20 minutes with the cussing and threats. For the entire day, I was torn between going to the owner, reporting her and getting fired, or just leaving the job.

Returning to work on Monday, I was called into the co-owner's office, Nick Roupas, who had received an email about what happened on that previous Friday, 3/10. Someone in the office had reported the incident. He apologized to me multiple times and ensured to me that the situation would be handled. He stated that incidents like that are unacceptable in the work place. I trusted him to handle the situation. By Wednesday, 3/15/2017, the situation was not handled and my supervisor that cursed me out, made it clear that nothing would be done anyway. With my anxiety, and other health issues, I made a decision to resign. The co-owner of the company called me on my cell phone the evening I resigned and begged me to stay at the job but I cannot work somewhere that I do not feel safe.

This is not the first time that this has happened at the job while I was working there, it was just the first time it had happened to me. I am now without a job and worried that I made the wrong decision to not stay in an unsafe work environment. I have 3 children and I keep asking myself if I should have just tolerated the verbal abuse.

CAB is one of the rudest and nasty staff. They try to talk to you as if you have no sense. Yes, I gave him the dial tone. They canceled my appointment with my doctor whom I was seeing and paying. Just because they are a collection agency, they don't have the right to make decisions for my medical care and the doctor office never said anything to me about back payment which I was getting ready to pay.

Review: We severed our business relationship on April 17 2015 with Credit Adjustment Board due to dissatisfaction with their services and their inability to collect money for us on our behalf. We have since worked directly with the attorney associated with CAB on one account in particular. We went to court ourselves and have only communicated with the attorney directly. The attorney was aware that we were no longer doing business with CAB, but now claims he was not aware, and sent the money he collected on our behalf to CAB in February 2016. CAB claimed to said attorney that they sent us a check in February, which was actually false. When contacting CAB, they said they "misplaced" the check and would mail it that day. We did receive the check, but less their commission and attny fees (which the attny had already deducted). CAB still owes us the commission they deducted as they did not collect this account and we had already paid the attorney his cut. When I expressed this to Maria H[redacted] at CAB she was unwilling to discuss it and said I needed to take it up with the owner. A letter has been sent to him to request he return our money.Desired Settlement: We would like out 750.00 refunded to us as we no longer have a business relationship with CAB and they did not collect any funds on our behalf for this account.

Business

Response:

Dear Ms. [redacted]: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneous. Any fee earned by my company was justly earned in accordance with a written contract between the parties. I have contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC.

Consumer

Response:

Attn: [redacted] Re: Case Number [redacted] Dear [redacted], In reply to Nicholas R[redacted]' response to the above referenced case, I am attaching 2 letters that were sent to Credit Adjustment Board. We severed our business relationship with Credit Adjustment Board on April 17, 2015. At that time, the agreement between [redacted] and Credit Adjustment Board dated August 11 , 2014, became void. The funds collected that Nicholas R[redacted] claims he earned a fee on were collected in October, November, and December 2015, after we stopped using Credit Adjustment Board services. Please see the attached correspondence.