The CBE Group, Inc

2016-10-14

Loganville, GA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

VA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that CBE made a change to my credit report on or about XX/XX/XXXX. The debt in a previous complaint to CBE Group by Consumer was indicated to be a XXXX XXXX account. I do not owe XXXX XXXX any further payments and do not know this account was sent to collections, however XXXX alerted the consumer that in order for this to be applied to my credit report someone had to use my social security number. Attached is the retrievable payment ( s ) that are verifiable through the consumer bank statement. The payment history is not a full disclosure of payments made over the life of the account but is verification that the account was paid and perhaps overpaid as the current total charges on the closing bill was {$61.00} and I paid {$83.00} on XX/XX/XXXX and another {$83.00} on XX/XX/XXXX for a total of XXXX. The payment verifiable as being made prior to that was {$300.00} on XX/XX/XXXX. This account is one that may have been compromised due to a housing matter already reported to the CFPB occurring on or before XX/XX/XXXX. Attached as follow are : -Account Overview ( Acct Number XXXX ) indicating the Total Amount Due for XX/XX/XXXX was {$400.00}. Last Payment Received on XX/XX/XXXX was {$83.00}. Current Charges Billed on XX/XX/XXXX was {$0.00}. -XXXX, XXXX bank statement indicating XXXX was paid {$450.00} on XX/XX/XXXX and {$180.00} on XX/XX/XXXX -A XXXX bank statement indicating the XXXX Power account was paid on XXXX and Charged XXXX XXXX, XXXX in the amount of {$300.00}. -A XXXX bank statement indicating XXXX Power account was paid on XX/XX/XXXX in the amount of {$83.00} and on XX/XX/XXXX in the amount of {$83.00} with a deposit of {$160.00} on XX/XX/XXXX. -A XXXX bank statement indicating there was an ATM withdrawal in the amount of {$80.00} from XXXX XXXX XXXX and that withdrawal was placed in the XXXX XXXX bank account. Again, this account was not believed to be behind but likely overpaid. I will forward documents to the source of this alert as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Beldenville, WI

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Need information about my balance/terms
Complaint: I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-07

VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that CBE made a change to my credit report on or about XXXX XXXX, 2016. I do not know what this attempt is to collect the debt, however, XXXX XXXX has attempted 5-6 times to collect this debt I do not owe and has not provided the services contracted since XXXX XXXX, 2016. Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. This letter from XXXX XXXX references a home-based internet line : XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it. I will file a complaint with XXXX as well.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

Harsens Is, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I cancelled my XXXX service and a technician came to my home on XXXX XXXX, 2016 to retrieve the equipment. The technician disconnected my service and took payment of the final bill of {$81.00} by credit card at my home. My credit card was charged for the payment at which time XXXX reinstated my service in error. I did not have equipment to operate service and was led to believe the service was cancelled. I was not told to take any further action by XXXX. I contacted XXXX customer service on XXXX/XXXX/16 and was told the equipment return date was not entered into the system. I should not be forced to pay for an error in the XXXX disconnect process. I am disputing the charges sent to CBE Group as they are for services not rendered by XXXX. I communicated the information to CBE Group and was told to pay the bill to in order to avoid any further inconvenience. I can not be forced to pay for services which were not rendered.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-02

Fairfield, CA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-30

Palmerton, PA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-27

Fort Worth, TX

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

WI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

Austin, TX

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: I was contacted by XXXX XXXX at CBE Group. He would not identify why he was calling, or who he was, until after I confirmed my address. I have a bill that is in dispute with XXXX XXXX XXXX XXXX. I believe I am being wrongfully charged for an uneccessay procedure. I have contested this bill in writing and have requested more information about why I am being charged. XXXX XXXX has not yet responded to my letter. In my letter, I state that this bill is in dispute and I am not to be contacted by creditors. Moreover, I state that if they report this on my credit, it is to be listed as " disputed. '' This is obviously being ignored, as creditors are calling me repeatedly and have even attempted to contact my father at on old number of mine.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Oxford, GA

Communication tactics

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

Called outside of 8am-9pm
Complaint: Called me at XXXX on severeal ocassions. Calling repeatedly while i am at work between XXXX & XXXX eastern standard time.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Rocklin, CA

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

2016-09-14

Fred, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-10

Ocklawaha, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: CBE Group debt collector is using an automated dialing system to call my cell phone from a spoof phone number throughout the day and evening. The number they are using is intended to mask itself as a local phone number. I called the number XXXX and verified it 's forwarded to the CBE Group.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-10

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Continued calls to my phone two or three times a day for 7 months. The number calling, XXXX XXXX XXXX does not leave message and when I have answered, no one speaks but simply hangs up. We are seniors living in retirement and have no debt as our home mortgage paid off many years ago. The company calling is CBE Group as when I called number back a recording gave this business name. We are also on DO NOT CALL REGISTRY. Obviously the company is either trying to sell something or have wrong number. We consider these calls to be harassing to us and muse stop at once. We will hire an attorney if necessary to cease this type of repeated harassment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Phila, PA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-09-06

Carmel, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was a guarantor on my daughters XXXX XXXX account. It was a subsidiary account of mine. My daughter took over financial responsibility for the account in XX/XX/2016. For whatever reason, she did not pay the past bill before the account was switched over to her under a new account. I was NEVER informed by XXXX that a payment was missed and a balance was due. There explanation is that we had the bills set up to go to her. She paid them for years. The issue is that they never notified me before turning over to collections ... even though they have my contact info and my phone number. Even the the collection agency called me ... and I paid it immediately. But XXXX has the 'sent to collections ' on my credit report and wo n't take it off. I believe the should have notified me, as the guarantor, before sending to collections. I want them to remove the 'sent to collections ' from my credit report. Which they could do, but wo n't. Their procedures are flawed and I should not have a bad credit report because of their procedures. I desire the right to be contacted before a bill is sent to collections. Please ask them to remove the collections information from my credit report!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-05

Euclid, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have requested debt verification of this debt and have yet to receive it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-04

Atl, GA

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

2016-09-04

South Florida, FL

Communication tactics

Debt collection: I do not know

Used obscene/profane/abusive language
Complaint: The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Item is identified as # XXXX which were reported on XX/XX/2016 and said to have been Assigned on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al and have pretended to be able to verified an item as an account which your agency have not been given my Direct Prior Consent to Be in possession of any information about me whether it be an Item, an account or an debt I created. If the Items mentioned above are actual Accounts, opened by your agency, they were open without my Direct Prior Consent using my private nonpublic information to extend my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. You will remove these items off my private credit report immediately and send notice, to me, that they have been removed within 5 days. Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, Using obscene profane abusive language by communicating this information on my Private Credit File, etc. The following sections along with other sections and other laws have been violated : 1. You violated 1692c of the FDCPA. 2. You violated 1692e of the FDCPA. 3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 4. You violated 1692j of the FDCPA, etc. In case you and Your Agency attempt to further violate me and the FDCPA by deciding to deceptively focus solely on the choice I chose to answer the CFPB question of " Which of these best describes your issue? ", my answer being " Communication tactics '' and " Used obscene, profane or other abusive language '' I will remind you of the meaning of the term " Communication '' in the FDCPA or 15 USC 1692a ( 2 ) as it relates to 1692d of the FDCPA. " The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' So do not attempt to further violate Me and the Consumer Protection Laws by attempting limit " Communication '' to mere phone calls. Your communication, of the information that is now on my Private Credit File, to the Credit Reporting Agency is a form of communication by whatever medium used and all those information communicated by your Agency CBE Group to the Credit Reporting Agencies, seen and read by me and by others whom I engage for the extension of my consumer credit, are obscene, profane and abusive language to Me the Consumer. Which are violations along with the other violation mentioned in this Claim.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-03

Discovery Bay, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: CBE Group contacted in XXXX, 2015 about a XXXX XXXX XXXX bill for {$830.00}. I paid them on their web site. I just found that they are still telling XXXX that I have not paid, and did so as recently as four months ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

El Paso, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Cheverly, MD

Communication tactics

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

Frequent or repeated calls
Complaint: CBE Group, on behalf of XXXX. CBE reps hung up on me 2 times, which is extremely unprofessional. The first time, the rep blatantly lied to me and said she would stay on the line until I received e-mail confirmation of the bill I paid. I promptly called back, and a XXXX rep hung up on me while I tried to explain that I have n't received e-mail confirmation. Extremely unprofessional behavior aside, e-mail -- or some type of confirmation -- is important because customers sometimes have no idea if the call is a financial scam. Lies, obfuscation, and rudeness reflect very poorly on CBE Group, and XXXX. With the numerous complaints against CBE Group in the Consumer Complaint Database, why is this company still in business, and or why has it not been fined?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Aurora, CO

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.
Company Response: Closed with explanation

Disputed: No Timely Response