ComplaintsforCollection Bureau of Hudson Valley Inc.

• Initial Complaint

  04/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 4/21/22 I was notified about a collections record placed on my credit report. When checking the report it was from Collection Bureau of Hudson Valley for a creditor called Optimum with an original amount owed of $801 and reduced amount due of $252. I have never done business with Optimum nor have I ever been presented with evidence to advise this debt belongs to me. This company has not attempted to contact me about this debt, nor have they provided proof of this debt being valid. I have filed a dispute with the credit bureau and would like Collection Bureau of Hudson Valley to remove this inquiry from my credit report as this collections record is without merit and appears to be made in error and/or is a scam.

  Business response

  04/21/2022

  We will remove this account from the consumers credit report.  This request may take up to 30 days to be reflected on the consumers credit report.  

• Initial Complaint

  04/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I noticed an inaccurate and alleged debt on my credit report. This should not be reporting and is a violation of my rights as well as a defamation of character. You have not supplied any viable validation of debt! I have no legal obligation to pay you and there is no contract with my signature on it with your company.

  Business response

  04/21/2022

  We requested this information from our client to verify this account.  Once we hear back from them, we will provide the consumer an update.  We sent an update to the credit reporting agencies to reflect the dispute status.

  Customer response

  04/22/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  The validation of debt that i requested was not provided. The company stated that they had to reach out to the creditor for the information which they should already have on file. How is this collection account being reported to my credit, when that's a defamation of my character, and they don't readily have this information on file. I DEMAND THIS COLLECTIONS ACCOUNT BE REMOVED OFF OF MY FILE IMMEDIATELY!!!! 

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***************************
  
  
  
  
   
  

  Business response

  04/26/2022

  We received information from our client today which we will mail to the consumer. 

  Customer response

  04/30/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Again, you have placed this account on my credit profile without the proper validation! This is a defamation of character and is subject to multiple fines Under the ****** Not only that, your attempt to collect this debt is under false representation because you are saying that you are attempting to collect this alleged debt on behalf of your client but you are the company attempting to obtain this alleged debt. i demand the removal of this account immediately and a remedy of $1000 per violation.

  1. Defamation of Character 

  2. violation of 15 USC **** g

  3. Violation of 15 usc **** e (8) False and misleading representation 

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***************************
  
  
  
  
   
  

• Initial Complaint

  03/30/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I just checked my credit report and found a collection from CBHV for **************** for date of service 02/28/2021 I have tried to contact this company with no luck I even emailed them a couple of times with proof of documents that this debt does not belong to me but to my Brother *************************** who indeed lives at ************ and who was the one who got ambulance and hospital service. The hospital ******** medical center immediately fix the mistake since the birth date and social security is not mines but my brothers and they billed my brother for this debt since I never in my life been on an ambulance or at a hospital, if this is not resolved I will definitely be pursuing legal actions against collection Bureu of the Hudson Valley *** since I never in my life gotten a notification or proof of debt they just immediately reported me for debt that does not match my DoB or social security number or my address 15 Mother ****** Blvd.

  Business response

  04/04/2022

  We submitted a request to remove this account from the consumers credit report.  This request could take 30 days to be reflected on the consumer's credit report.

  Customer response

  04/05/2022

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***************************
  
  
  
   
  
  

• Initial Complaint

  03/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a collection letter from this company stating that I owed money to Optimum. I have paid my optimum account in full, turned in all cable equipment before I moved and I have a zero balance with Optimum. I have received NO phone calls, NO past due notices from Optimum that would indicate that my closed account was past due. I do not know who this company is and if they are even a valid collection agency. I am shocked that this has happened and I am furious if this is affecting my credit rating. I have called optimum and they checked my account and told me that they see nothing outstanding.

  Business response

  03/23/2022

  This account has been closed in our office.  This account was not credit reported by our office.

  Customer response

  03/29/2022

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***************************
  
  
  
   
  
  

• Initial Complaint

  03/15/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On February 24, 2022 I received a letter from the Collection Bureau Of The Hudson Valley, *** for a debt that I do not owe . The notice stated that As of November 19, 2021, I owed their client ******* $74.40. However, my bank records indicate that I made a payment on November 22, 2022 in the amount of $73.40 which is the amount that I was charged at that time. In December I had the service disconnected.On March 8, 2022, I submitted a dispute letter to the Collection Bureau Of The Hudson Valley, *** along with copies of receipts, via their email address as specified in the notice, at ******************************** It is now March 14 and I have not received a response. I have also followed up with written letters to the address given in the notice. I am requesting an investigation into this matter. In good faith pending an investigation, another payment in the amount of $74.40 was made on February 28, 2022. Hence, I have actually overpaid *******. Please see the attached receipts. Therefore, I am also requesting a refund from ******* in the amount of $74.40.

  Business response

  03/17/2022

  We completed our investigation with the client and concluded that no refund is due to this consumer.  We will mail the itemized statement from ******* to the consumer so they can review the charges in question.  

  Customer response

  03/17/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [I reject this response because the notice that I received from the Collection Bureau of Hudson Valley dated March 24, 2022 wrongly states that As of 11/19/21 I owe $74.40 - which I do not.  Proof of payment shows that on November 22, 2021 a payment in the amount of $73.40, which was the amount due at that time, was made.  Hence, the balance has been paid in full.
  
  Your Answer Here]

   I reject this response because the notice that I received from the Collection Bureau of Hudson Valley dated March 24, 2022 wrongly states that As of 11/19/21 I owe $74.40 - which I do not.  Proof of payment shows that on November 22, 2021 a payment in the amount of $73.40, which was the amount due at that time, was made.  Hence, the balance has been paid in full.
  
  

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *****************
  
  
  
  
   
  

  Business response

  03/18/2022

   The itemized statement explains all the charges.  The consumer should review the statement when it is received and contact us if there are any questions after. 

• Initial Complaint

  03/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a notice from CBHV dated 2/26/22 (Ref # *********). I called about it today and was met with an extremely rude and controversial representative. Although I had already resolved this issue with another debt collector (Sunrise) last year and have evidence proving I do not owe the debt in question, she informed me she would not take any of this information and that I had to call the originating company claiming the debt and resolve it directly with them. I'm not sure how other negotiations might be handled by this collector, but this is definitely not the way to succeed in any form of conflict resolution.

  Business response

  03/14/2022

  We have closed this account as disputed. This account has not been reported by our office to the credit reporting agencies.

• Initial Complaint

  03/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a collection letter from CBHV for $850 for services I did not receive from a provider I had never heard of.

  Business response

  03/03/2022

  We will no longer contact this consumer regarding this account.

  Customer response

  03/06/2022

  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 and the matter has been resolved.
  
  Sincerely,
  
  *********************
  
  
  
   
  
  

• Initial Complaint

  02/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have looked into a duplicate of my credit report and I have seen a ton of inaccurate/fraudulent on it. What's more as a consumer, I consciously demand that you eliminate these incorrect/deceitful items from my credit report.

  Business response

  02/23/2022

  We requested this information from our client to verify this account.  Once we hear back from them, we will provide the consumer an update.  We will update the consumers credit report to reflect the dispute in our next reporting cycle.

• Initial Complaint

  01/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 12/3/21, I received a notice from CBHV that they were attempting to collect a debt I purportedly owed to a healthcare provider in the amount of $250 - the only such notice I received from CBHV. I tried (unsuccessfully) to obtain proof of the debt from CBHV, but finally, on 12/17/21 - about 2 weeks after receiving notice of this purported debt, in order to avoid this relatively small amount of money from impacting my credit report, I paid the debt in full via CBHV's online portal. To date, I have received no receipt, no acknowledgement of my payment, nothing; in fact, if I hadn't paid via CC, I wouldn't have ANY proof that the purported debt was paid, or when. Despite the fact that this alleged debt was paid in full and in a timely manner, on 12/29/21, almost two weeks AFTER I made the payment demanded by this firm, CBHV reported this debt as a collection item to all three major credit bureaus, thereby causing my credit scores to drop by HUNDREDS of points. For the past two days, I have attempted to call CBHV to resolve the issue. They refuse to answer the phone or return my calls. But under NYS law, what CBHV has done to me (and my credit scores) in this case is patently illegal, and I would appreciate the BBB's help to ensure that CBHV complies with NYS law, corrects their error, and *immediately* a) provides me with a receipt for my payment; and b) deletes this collection item from all three of my credit bureau reports. Thank you so much for your help.

  Business response

  01/05/2022

  The online payment was submitted with the incorrect account number so the payment was applied to the wrong account. We applied the payment to the correct account today.  We will send a request to have this account removed from the consumers credit report. It may take 45 days for this request to be reflected on the consumers credit report.

• Initial Complaint

  12/16/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report o* ***************** in place of filing a police report.

  Business response

  12/20/2021

  Please provide more information so we can locate this account (CBHV Reference Number, Creditor Name, Creditor Account Number, etc.).  The one account we have in our system for this consumer has been closed and removed from their credit report on 07/22/19.

*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. ↩