Quick Answer: A Texas consumer filed a CFPB complaint against Credit Bureau Collection Services for attempting to collect a medical debt incurred while the consumer was at work, providing time cards as evidence of identity theft. The company provided timely non-monetary relief and closed the complaint without consumer dispute.
Date Received: 2018-12-30
Product: Medical debt
Issue: Attempts to collect debt not owed
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Consumer Complaint: I I have a complaint with the authorities today and updating this complaint. I have received an alleged debt on a date that I was at work!! I have emailed them a letter and sent via certified mail. This is clearly a false debt. I also enclosed my time card on the alleged dates of service. I am clearly being a victim of identity theft.
Company: Credit Bureau Collection Services, Inc.
State/Zip: TX 785XX
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3112914
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
