Cedars Business Services, LLC

2018-01-12

Union City, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-01-08

Mc Donough, GA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: I attended XXXX University from XX/XX/XXXX to XX/XX/XXXXand all my loans were federal loans. I am paying on those loans now. All of a sudden I am getting a debt collection from a company named Cedar Financial who says I owe them XXXX. Which I do not owe I owe the Federal Student loan not them. I have also done my research and they are not allowed to collect a debt in the state of Florida and would like this removed from my credit reports. XXXX, XXXX and XXXX. Thank you.
Company Response: Closed with explanation

Timely Response

2017-12-29

Decatur, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-08

San Francisco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-08

Galena, OH

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have received numerous calls over the last year from a company called Cedar Financial. They state I have a debt with XXXX XXXX Bank and I have no knowledge of this debt nor this bank. They have added a debt in the amount of {$12000.00} from this XXXX XXXX Bank on to my credit report without any poof! They need to stop contacting me and remove this debt as it is NOT valid.
Company Response: Closed with explanation

Timely Response

2017-07-24

NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-06-29

Milwaukee, WI

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-28

Seneca, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-06-19

WA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.
Company Response: Closed with explanation

Timely Response

2017-05-16

Norwalk, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: On XXXX XXXX, XXXX I applied for a loan to finance a car through XXXX XXXX XXXX XXXX XXXX. Positive that I would be able to get the loan because I have no debt, graduated from XXXX in XXXX, have held a job for over two years, and have no other finances that I am liable for, I was in aghast when I was denied. I then found out the reason that I did not get approved for the loan was because my XXXX Credit report shows an outstanding debt of {$8500.00}. However, that balance was paid in full. Once it was paid in full in XXXX it took the company over a month to send me proof of the payment. I had constantly call Cedar Financial weekly to get that proof and still it had took a month for them to mail it out. The lady that I talked to was extremely rude and made it seem like I was inconveniencing her by asking her to send me proof of my payment. I had to call her 5 times before I got the letter. The letter states Youre debt reference above is now closed and Paid in Full. If we have previously reported the debt to any of the credit bureaus, we will report the debt as paid or settled in full. '' After I receive this confirmation I assumed I was in the finally done with all the finances from college. Unfortunately, I was wrong and had to find out the hard way of not be able to buy my car this past weekend. Cedar Financial has neglected to update the collection trade line they reported to my XXXX Credit file to a paid collection status. My Trade Line still displays as an open collection account. They had an obligation per the FCRA to report the paid status once I paid it in full. I called Cedar Financial yesterday XXXX XXXX, XXXX, I spoke with their customer service rep XXXX and she was extremely rude, I said " you do n't have to be rude XXXX '' and she responded " I am not rude, unless you are being rude with me. '' Working in customer service for several years, I know that the customer is always right and how she responded to me was uncalled for as I simple was trying to be as polite as I could be asking for a manger to discuss my credit issue. After I was transferred to the Collections Manager of the department, XXXX XXXX, he had told me that my file no. had a {$0.00} balance and was paid in full. I explained to him I was calling because I was denied a loan and he said that they never reported my balance to any Bureau because it was handled in house. I told well then why was it on my credit report and he said he had no idea because they had no record of that on their files. He then asked me if I could screen shot my credit report and send it via email to their accounting office. I said that I was not comfortable doing that and told him I should not have to that. I asked him if he could pull a bulls-eye or had the ability to do a soft pull to verify instead of requesting me to send my report. He told me that they did not have the ability to do that so I had to send them a picture of my report. The conversation ended and he said he would call me back later that day. When I got a hold of him later he then said " Yes, I guess we did send this to CRA 's '' but reported it and that I needed to contact XXXX to get this resolved. I said no that is not how it works ; it was your guys ' obligation to make sure this was resolved. He told me no and that he was actually doing me a favor helping me because he did not have to and then I would struggle trying to get a hold of XXXX. I requested that they submit an XXXX to update my account to a paid status to all the CRA 's immediately. He told me that they did not have the ability to do that and that the process of getting this matter resolved would take 45 days. I told him that is not true because if he knew what he was talking about he would submit an XXXX and have this update within 24 hours. I also requested that he send me a letter/proof via email this morning that that the account was paid in full so that I could take to the credit grantor this morning. He said that it would be in my inbox first thing in the morning when they open at XXXX. It is now XXXX XXXX, XXXX, XXXX am and I have yet to receive anything. I called this morning and he was not available to speak with. I am very dissatisfied with how this company has handled this process and has neglected to update their collection accounts monthly. This neglect has caused me embarrassment when I was denied my loan, caused me to have to XXXX to work, wasted my time dealing with this issue, and numerous amount of stress.
Company Response: Closed with explanation

Timely Response

2017-05-10

VA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of XXXX XXXX XXXX . In the letter, I wrote exactly : " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after XXXX months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.
Company Response: Closed with explanation

Timely Response

2017-03-16

Cherry Brook, MA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-13

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

San Francisco, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-10

San Diego, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Tarzana, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-02

West Covina, CA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Atlanta, GA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Kings Ferry, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Staten Island, NY

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. Kind regards, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-02

San Gabriel, CA

Communication tactics

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

Frequent or repeated calls
Complaint: They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Columbus, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Bryn Mawr, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-14

Nyc, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

Lake Charles, LA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response