ComplaintsforCreditors Bureau USA

• Initial Complaint

  08/19/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am receiving calls from these people. They are looking for my wifes EX husbands new wife. My wife has been divorced from him for almost 20 years and has been married to me for the last 17 years. They keep calling me . Looking for his new wife's debt.. There is absolutely no reason to be calling us. We do not have the same last name ,nor do we live in the same area. The first couple of times I told them this and they said they would remove my name from the database ,but today they called me again . I asked to speak to a supervisor and was put on hold for over five minutes before they hung up on me. I called back and was told the supervisor was busy. Supervisors name is supposed to be *******.

  

  Business response

  08/30/2024

  I'm showing that we called ************ one time on 8/19/24, but I don't show that this was for *************************. The phone number has been removed, so there will be no further calls to that phone number.  If you are receiving calls at a different phone number, please let us know.

  Customer response

  09/03/2024

   I am rejecting this response because:  They Were Looking for *********************. To inquire about her ex husband's wife's "***********************'" Debt.  Not only is ****** last name been different for 17 years ,she has also NOT been married to ************** for over 20 years . . That is why I opened this complaint. There is no reason in the world for this collection company to bother us.  Especially since the collection company itself is only 2 miles from the ***** home. Which has been the ***** home for over 40 years.  

  Also.  While I am sure they now removed my number , or claimed to have.  I want to make sure than any further attempts by them to contact anyone in the ***** home about ***** debt is stopped in its tracks.   P.S. I never received a call from the manager Like I was supposed to in order to find out why they would be calling our number ? No explanation was given by anyone there on how or why they thought it was ok . 

   

  
  

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This agency called me in January regarding a debt with their client. I paid the client way before this agency called me. I sent them a dispute with proof of payment. In July I received another bill saying that the client never received the money. I found out from my bank that so much time had gone by that they returned the *** payment to me. I asked CBUSA to return the account to their client and provide a reason why they didn't accept the payments for over 6 months and why they're claiming they never received a payment. This is ridiculous. In addition to this they are claiming they can charge interest despite not having a judgment or an agreement with a disclosed interest rate which per California law is in fact illegal (which they tried to tell me it isn't).

  

  Business response

  07/02/2024

  We have responded directly, by mail to the consumer to resolve his complaint. Thank you.

• Initial Complaint

  05/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Here is what happened i had an outstanding debt on my credit report for 570 Bay Imaging Consultants , which was opened on may 8th 2019 at the time i had no health insurance at the time and i just recently after working and getting other debt payed off i decided to call Creditors Bureau USA and i spoke with ************* on 5/21/2024 around 10 am and said i would be willing to negotiate the debt however she advised me that paying it off would not fall off my credit report for 7 years and said you can dispute it which will so then i said ok ...i had to go that day and followed up with her the next day she pulled my credit report by having me charge my credit card for a 1.00 then i had to cancel it because it would charge me ***** a month , however she said "O i would of cancelled it" she then says ok so we can dispute the charge for 199$ charge up front and we then monitor it so to me thats no guarantee and she never advised me there would be a charge for disputing it until after running my credit report and answer a bunch of questions and in return i was in shock and felt tricked she kept trying to get me to pay but i said i cant at this time . Below is the service she signed me up for Account ID: ************** ****, We received your request to cancel your add-on subscription under your IdentityIQ plan membership. While we are genuinely sorry to see your subscription end, effective immediately, the following add-on has been canceled: Subscription Name: Utility Reporting Utility Reporting You can always re-enroll under your current plan membership if you change your mind. If you have any questions, please contact *************************** at ******************. Our agents are available to personally assist you Monday to Friday 7:00 a.m. to 7:00 p.m. (CT) and Saturday 8:30 a.m. to 5:00 p.m. (CT). Thank you, IdentityIQ Customer Success Team

  

  Business response

  05/23/2024

  Hi *************,

  Our office, Creditors Bureau USA, has not received any calls from you regarding this account and we don't have any employee by the name of *************. I believe that you may have inadvertently contacted a credit repair company instead of our office. Our phone number is ************. We do not charge a monthly service fee. I will mail to you copies of the verification of debt at the address listed above. The accounts, because they are medical, will automatically be removed by the credit bureaus when they are paid. Please contact me directly so I can assist you in getting this issue sorted out with the credit repair company as it is not proper or legal for them to be charging you or misrepresenting that you were speaking to someone at Creditors Bureau USA. My email is *****************************************************************. 

• Initial Complaint

  05/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Today, Friday, May 3 2024, I recieved a call from this debt collection agency asking for payment for a debt I have never recieved a notice for. They had the correct street address, but claimed it was in a different town. Argued a minute over the town with me before I heard him type in the zip and address I gave him and it popped up where I had said I live. They said that I never paid this debt. Obviously, since I never knew it existed. First, they told me 166 dollars, and were asking me to pay over phone. Ok. Grabbed the *** account card since it was collections on a medical debt. All of a sudden, 10 dollar service charge for card processing was slapped on. At which point I was getting mad. Money is tight for my family of 4. Be up front with all charges. If you want someone to pay, especially on the opposite side of the country, as I am in ********* and this company apparently ********** (I didnt know where a 559 area code was ubtil I looked the company up.), dont slap a last second "service charge" on to the amount. Also, dont tell the person you are charging that proof will appear on the reciept as to what the charges were, and then turn around and when the person tells you they arent on the reciept say the only way then is to send another BILL. Not a reciept. A bill. For the same transaction just paid. I simply asked for proof in case the *** bank asked for proof this specific charge was for a medical expense. Not a hard pitch. I admit, I started sounding hostile at the end of the call. But after lie on top of lie it seemed just. I was questioning the validuty of the company the whole time. There was nothing but chaos the whole phone call as the agent on the line seemed to ve completely unsure of what he was doing. I see why this company has such a low rating on yelp, on BBB, and everywhere I have looked elsewhere online. Attached is a copy of the reciept sent to me after payment. The reciept where the charges were supposed to be itemized on, per the agent.

  

  Business response

  05/06/2024

  We have reviewed the call recording from 5/3/2024. During that time, the representative, ****, updated the address that we had on file. It appears that the creditor, American Esoteric Laboratories, assigned the account with the address ****************************************  During the call the city and zip code were updated to reflect ************************. The assigned account is for service date 7/26/2023 and is from requesting provider: Sweetwater Family Medicine. Your creditors records don't reflect any payment being made by insurance.  This account has not been reported to the credit reporting agencies. The agent did advise during the call that there is a payment processing fee to pay with a card but there was no fee to pay with a check. The agent also provided the amount of the fee and confirmed that information with you before processing the payment. The payment of $166.00 will appear on your bank statement as Creditors Bureau USA and the convenience fee of $10.00 will appear as a separate charge from Repay, the payment processor. The receipt you attached is a receipt of the payment made. Another receipt, from our office has been requested to be emailed to you. If you have further questions regarding this charge, please feel free to contact us.

• Initial Complaint

  01/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with *****************. I do not have a contract with Creditors Bureau USA. They did not provide me with the original contract as I requested.

  

  Business response

  01/03/2024

  We have responded in writing directly to the consumer. 

• Initial Complaint

  10/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with UNIVERSITY FACULTY ASSOCIATE I Do not have a contract with CR BUR ***. They did not provide me with the original contract as requested.

  

  Business response

  11/02/2023

  This is the first notification that we have received from the BBB about this complaint from 10/20/23. In review of this complaint, we have not received any communication from the consumer until this complaint. We will send verification of debt, as requested, directly to the consumer.

  Customer response

  11/04/2023

   I am rejecting this response because: I have spoke with the agency and I told them before that I dispute that debt it's not mine I never done business with their company to provide me the original contract they never did all phones are calls are recorded they can check for the phone calls but I called and spoke with one of their representatives. When I told them this instead of them sending the original contract they were rude and tried to collect from me when I tried to explain to them this was not my debt i've never done business with their company.
  
  
  

  

  Business response

  11/06/2023

  We have mailed verification of the debt to the consumer at the address provided in this complaint. If the consumer believes that this is identity theft please provide a copy of a police report or a fraud/identity theft affadavit. We have investigated this dispute with the Creditor and are providing the verification to the consumer directly. 

  Customer response

  11/07/2023

   I am rejecting this response because: When I spoke to the company I told them several times ive never lived in ********** so the address that you have is fraudulent because it's not mine I said that numerous times and how could I file for identity theft if I don't know about it. I just found out about it when I found out about this debt that I also told you guys when I spoke with you on the phone. You continue to harass me and you need to remove this from my credit report immediately or will be contacting the property authorities because per the ***** you have not verified this debt is impossible because it's not mine. And even if I did file a police report this is from years ago like I never even knew about it so how do I file a police police report for something that happened years ago provide me with the original contract that has my signature on it you can't because I never signed anything with you guys so at this point this is harassment
  
  
  

• Initial Complaint

  09/27/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with ****************************. I do not have a contract with Creditors Bureau USA, they did not provide me with the original contract as I requested

  

  Business response

  09/29/2023

  We have not received any disputes regarding an account for ***************************** matching an address in ****************. Please provide your Date of Birth and/or last 4 of SSN to our office so we can verify we are communicating with the correct party. This can be provided by phone or via our dispute portal at www.cbusadispute.com.  Upon receipt of this information, we will be able to provide verification as requested.

  Customer response

  09/29/2023

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

• Initial Complaint

  09/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have received a letter of collection for the third time from Creditors bureau USA. I replied to the earlier two letters by disputing on their portal with "explanation of benefits" from ***** showing my responsibility to be zero. The portal acknowledged the dispute by sending an email. I have received the same letter for the third time.

  

  Business response

  09/11/2023

  This account is on hold while we follow-up with the Creditor. That being said,  we have spoken to the Creditor after we provided them with your EOB previously and they have indictated that they have not received anything from the insurance company as the insurance states they need additional informaiton from another provider that hasn't been provided or is incomplete. This is also stated on the **** Please follow-up with the insurance to find out what information they are waiting for, as it is likely information from the referring doctor. The account is on hold but will likely be removed from hold by the Creditor if they don't receive payment or an update from your insurance provider. 

• Initial Complaint

  05/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  received a notice that I have a collection from CR BUR USA on my credit report. It says it was opened on 10/14/2020 for $932.00 with account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business response

  05/25/2023

  The collection was returned to the creditors office and the credit reporting has been removed.

• Initial Complaint

  05/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Received a letter from this "company" yesterday, May 16, 2023 regarding a debt from a health care provider. I called the health care provider directly since I had recently been there and was told I owed nothing. The letter from the "company" stated I owed $241.84. The health care provider confirmed this number stating it was for a denied insurance coverage. I paid this amount over the phone with a VISA card directly to the health care provider. Problem solved. Today, some clown from the "company" called me and stated I owed $241.84. I explained I had paid it yesterday directly to the health care company with a VISA card. The clown stated, "You cannot do that" and began talking over me. Told him it was done and I do not deal with collection agencies. Told him I had sent out a written response today informing the "company" that I had paid this amount directly to the health care provider. The clown got upset and raised his voice and stated I was insulting him and hung up on me. Real professional. After a few minutes, I called back, stated I was recording the call (as was the "company") and spoke to someone named Felicia who was a little more professional. Told it was paid. She stated it takes 30 days for the "company" to verify it has been paid. Whatever, company will receive my written response tomorrow. This clown needs better training. Imagine being told you cannot do what has already been done. Imagine the hurt the clown must have felt to state "You are insulting me!" Imagine this clown in hanging up on me because he was not going to collect anything. Raising your voice and talking over people is just plain rude, though maybe this will work on some people. This clown really needs to rethink his approach and request training. Basically I felt like I was called a liar. If this shows up on my credit report, I promise all hell will break lose. I have been teaching law for 42 years and would relish initiating a lawsuit against this "company."

  

  Business response

  05/23/2023

  The account was referred to our office due to an unpaid balance on 04/26/23 for services provided 08/19/22.  Our notification of debt regarding the balance was sent 04/28/23.  We were not attempting to collect more than the amount due.  He stated he paid the original Creditor on 05/16/23 and we were notified of the payment by their office on 05/18/23.  The account has not been reported to the credit reporting agencies and a paid in full receipt was mailed 05/22/23.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩