California Business Bureau, Inc

2017-01-27

Oceanside, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-01-26

Tarzana, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: This is not my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-13

San Jacinto, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: company created an illegal hard inquiry on my Experian credit bureau, admitted no debt owed to agency, refuse to remove. illegally obtained my personal identity info from the agency 's client forcing me to pay for a debt I do not owe, to either the agency 's client or the agency
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-11

San Diego, CA

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Complaint: I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-01-05

Arco, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-20

San Diego, CA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-16

Farmer Market, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-14

Green, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-12-06

Arco, CA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: California Business Bureau , Inc Is practicing unethical business procedures. I was recently in the hospital and now is currently paying some bills off. I sent CBB several settlement letters. I have gotten no response. the initial bill was for {$550.00} ... The amount of interest charged is/was criminal. XXXX interest per month. on XX/XX/2016 the bill increased to XXXX by XX/XX/2016 i got a new bill ( a few days after i sent the last settlement letter ) in the total of {$14000.00}. How does a bill go from XXXX to XXXX dollars in 7 days? criminal amounts of interest fees. On top of this they charge the person just to pay the bill. I am able to produce all paper work necessary if needed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-25

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-15

San Diego, CA

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Untimely Response

2016-11-11

Santa Ana, CA

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-11

Discovery Bay, CA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-11-03

Hollywood, CA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-11-01

Las Vegas, NV

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-30

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-09-25

Arco, CA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-09-19

San Gabriel, CA

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Etiwanda, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-15

CA

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Complaint: The XXXX XXXX XXXX billed me for {$120.00} in late XXXX and I never knew about this charge until a few months later when apparently a collections agency, California Business Bureau, was put on the case. When I finally heard from the California Business Bureau in XXXX XXXX, I paid off the debt immediately in full. I had called them last week regarding this affecting my credit almost 4 years later as it was never disclosed that this would affect my credit score and, as a result, there was no disclosure that I had the right to dispute this affecting my credit. When I called, I was put on hold over almost an hour, just to get a representative who was extremely accusatory and said that they had sent a bill to a particular address. This address was NOT correct, and was a version of my address with typos in it. The representative was aggressively asserting that I must have gotten their bill since they did n't receive any " return mail '' but I know that is impossible because she did n't even have the correct address on file for me. In addition, she said they made several attempts to call. I never received any phone calls or voicemails from anyone telling me that they were calling to collect a debt for the XXXX XXXX XXXX. I am not going to stand for my credit being affected by XXXX points just because this debt collection agency could n't get my address right or properly make contact with me when billing me. It 's clear that the way this collections agency handles business is extremely unprofessional as illustrated by their numerous negative XXXX and XXXX reviews. I was told by the XXXX to contact the XXXX XXXX XXXX XXXX XXXX and I wanted to make sure that everyone knows this is the manner in which they conduct business -- affecting your credit score for years after a mistake on their end, just to insist they were not at fault and berate you on the phone after putting you on hold for an hour.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-09-13

La Sierra, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-29

West Covina, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-22

Hollywood, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-08-04

N Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-26

San Diego, CA

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response