Cedars Business Services, LLC

2018-09-19

Bellaire, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was laid off by XXXX XXXX XXXX ( US ) XXXX in XX/XX/XXXX. I signed severance package offered by the company and separated from XXXX. Per mutual understanding between me and HR representative, I will not have any monetary claims against the company and vice versa after I signed agreement. Any previous employment agreement between the parties, including the Existing Employment Agreement is considered null and void after my last day with XXXX. After the company appointed tax preparer, XXXX, filed XX/XX/XXXX tax return on behalf of me. There was tax refund due to me. XXXX wants the refund forward to them as this would be the case if I was still employed by XXXX. I disputed XXXX 's claim and requested them to provide me evidences to support the claim. I never got any response. XXXX HR then notified me that this is considered a debt and it will be sent for debt collection. I notified XXXX HR service desk that this is not a valid and it was in dispute. Recently in XX/XX/XXXX, I got a letter and emails from Cedar Financial who informed me that XXXX XXXX has sent disputed debt for collection. I requested to provide me with supporting evidence that shows I owe the debt. I was provided with same information XXXX HR had provided without proof that I owe the debt.
Company Response: Closed with explanation

Timely Response

2018-08-09

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-07-17

Kenosha, WI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-06-21

Chicago, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Via XXXX, I booked a room at XXXX XXXX in XXXX XXXX, CA for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, I received an invoice from XXXX XXXX indicating that I owed {$130.00} for a damaged towel ( {$85.00} for towel and {$50.00} on cleaning fees. As a note, this motel is completely self check-in and self check-out. The bathrooms are communal and include towels and washcloths guests are allowed to use indiscriminately. ) I immediately responded by disputing the claim and asking for evidence. I never received a response from XXXX XXXX. On or around XX/XX/XXXX, I received a debt collection notice from Cedar Financial, indicating that I had a XXXX outstanding debt ( including late fees ). I immediately called Cedar Financial and explained the situation to them, once again disputing the charge. The representative ( XXXX XXXX ) indicated that he would follow up with XXXX XXXX for additional information and evidence, since no one answered the phone at the facility. As a note, I also contacted my credit card company to block any attempt at collection. The credit card company attempted to contact XXXX XXXX, also with no success. Thereafter, on XX/XX/XXXX, I also contacted the XXXX XXXX XXXX in the hopes they could intervene. The XXXX ( representative XXXX ) attempted to contact XXXX XXXX up through XX/XX/XXXX, at which time I received an email indicating a lack of success in contacting XXXX XXXX. Today, XX/XX/XXXX, I received additional correspondence from Cedar Financial, which suggests that I still owe {$130.00}. I immediately called Cedar Financial and, since representative XXXX was busy, I spoke with another collections agent. I explained to him the combined efforts of the XXXX and myself to contact XXXX XXXX. I also advised him that I never received follow up correspondence from Cedar Financial as to my original request for evidence. He responded that they had forwarded me correspondence on XX/XX/XXXX, which refers to the first time I received a notice from them. When I asked about evidence, the response was somewhat vague, with the agent suggesting something about " terms and conditions. '' As to proof or evidence of damage, he also insinuated that XXXX XXXX would not have taken any photos. Each of these calsd are supposed to be recorded, as a note. The agent assured me that he would follow up with XXXX XXXX once more.
Company Response: Closed with explanation

Timely Response

2018-06-20

Diamond, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-06-19

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Remove my name this debt is not mine Thanks
Company Response: Closed with explanation

Timely Response

2018-06-18

Moapa, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.
Company Response: Closed with explanation

Timely Response

2018-06-11

TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX that started after I left XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX for taxes paid on my behalf while working in the XXXX for XXXX. I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent. I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply. I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply. In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX on my behalf to answer my questions from XX/XX/XXXX. Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )? 2. What rights do I have in this situation? 3. Will you interceded on my behalf and ask XXXX to answer my questions from XX/XX/XXXX? Regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-08

Bluffton, SC

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Untimely Response

2018-06-06

San Gabriel, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Failed To Validate Alleged Account Due The defendant " Cedar Financial '' failed to validate an alleged account due. All they did was send an invoice or a statement. They never supplied an agreement, application, or contract with my signature on it. They never presented me with an itemized breakdown of the alleged account due. It is my opinion that the defendant is in potential violation of Federal and State Debt Collections Laws.
Company Response: Closed with explanation

Timely Response

2018-06-01

San Francisco, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. Over a month went by I had received nothing from the company. However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.
Company Response: Closed with explanation

Timely Response

2018-05-20

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Cedar Financial - " Putting People First '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX This letter is to confirm once again per my XX/XX/XXXX letter that the aforementioned debt was not incurred by me, it is not my personal responsibility, nor is it my personal debt. See attached copy of my previous letter. I did receive your XX/XX/XXXX letter which wrongly associates and fraudulently claims the above as my personal credit obligation and personal debt. Further confirming the shoddy methodology of Cedar Financial, and the inaccuracies in Cedar Financials threats and activities, is the third page of your letter of XX/XX/XXXX in which you wrongly sent me a copy of the dunning notice in behalf of another of your clients [ see PDF ] based in XXXX, California -- - a notice in which you are pursuing patient [ see PDF ]. The document you sent me includes the persons [ patients ] medical information, contact information and social security number. In wrongly sending me the document of one of your other clients and not the client whose debt you are claiming that I owe but which I do not owe and have no personal liability or responsibility. By sending me these documents that are relevant to another of your clients, your company, Cedar Financial Putting People First - along with your apparent client [ see PDF ] appears to have violated the HIPAA ( confidentiality regulations ) in the activity of your shoddy workmanship and shoddy collection activities. According to the The HIPAA Privacy Rule as published by the Health and Human Services Department of the United States Government https : //www.hhs.gov/hipaa/for-professionals/privacy/index.html The HIPAA Privacy Rule establishes national standards to protect individuals medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically. The Rule requires appropriate safeguards to protect the privacy of personal health information, and sets limits and conditions on the uses and disclosures that may be made of such information without patient authorization. The Rule also gives patients rights over their health information, including rights to examine and obtain a copy of their health records, and to request corrections. Cedar Financial and your client [ see PDF ] have evidently violated the HIPAA Privacy Rule by sending me the document, and evidently claiming that that debt for {$1400.00} claimed by the [ see PDF ] ( which I had never heard about and with which I have never been involved ) is somehow my personal debt, as you have claimed about your other client [ see PDF ] - - - and this needs to be reported to the Department of Health and Human Services, perhaps the Department of Justice and other relevant government authorities.
Company Response: Closed with explanation

Untimely Response

2018-05-16

CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.
Company Response: Closed with explanation

Timely Response

2018-05-05

Federal Way, WA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.
Company Response: Closed with explanation

Timely Response

2018-05-02

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-04-13

Jacksonville, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. CEDAR FINANCIAL, ILLEGALLY TRYING TO COLLECT DEBT, ... IF NOT REMOVED PROMPTLY I WILL SUBMIT A COMPLAINT TO THE FEDERAL TRADE COMMISSION AND XXXX.
Company Response: Closed with explanation

Timely Response

2018-04-10

Mount Holly, OH

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: The company cedar financial is representing a foreign bank called XXXX XXXX XXXX. I had a financial relationship with XXXX XXXX XXXX and they issued me a credit card. After I defaulted XXXX XXXX XXXX have sent me several threatening emails including legal and imprisonment afterwards handed the credit to cedar as debth collector. Cedar has followed the path of XXXX XXXX XXXX by refusing to accept my dispute of the said debth and forcefully posting to my credit records without any acceptance or court ruling on the debth
Company Response: Closed with explanation

Timely Response

2018-04-09

New York, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-04-05

CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.
Company Response: Closed with explanation

Timely Response

2018-03-19

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-16

Alafaya, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-03-08

Los Angeles, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Was contacted by credit reporting agency of collection reporting. Never was contacted by Cedar Financial at all.
Company Response: Closed with explanation

Timely Response

2018-02-22

Thompsons Station, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, I sent a certified letter requesting validation of the debt. I did not receive any correspondence from this company. Also, I sent a follow up letter on XX/XX/XXXX and I did receive a letter from them however it did not provide validation of the debt as requested nor within a reasonable time frame. Now I have been receiving letters in the mail requesting that I settle the debt however they have not provided me with validation of the debt they claim I owe.
Company Response: Closed with explanation

Timely Response

2018-02-14

Russell, IA

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-02-11

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response