CB Merchant Services is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
CB Merchant Services is a debt collection business based in Stockton, California. It appears as though there are a variety of different complaints against CB Merchant Services alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as harassing and threatening consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. CB Merchant Services has been in the collections business for an impressive 104 years. On top of this lengthy experience, CB Merchant Services has also received an “A+” rating from the Better Business Bureau. While the BBB did not accredit the business, these extensive years of experience and the glowing rating from the BBB awards consumers with the knowledge that CB Merchant Services is not a scam.
CB Merchant Services was established on February 14th, 1917 and was incorporated on March 2nd, 1953. Additionally, this collections company cites on their website that CB Merchant Services abides by these standards: “Hire Dedicated, Experienced and Ethical Staff Members, Improve our Process by Constantly Embracing the Most Current Technology, Operate with Integrity and Professionalism at All Times, Adhere to the United States Fair Debt Collection Practices Act (FDCPA), CA Rosenthal Fair Debt Collection Practices Act, HIPAA, and UDAAP, Listen to Client Requests and Handle them Immediately, Respect Consumer Rights-Work Collaboratively to Resolve Unpaid Accounts”. Many complainants feel as though this collections company may not have followed through on these ethical promises. Lastly, According to dnb.com the company has an employee base of 14 and sales of $1.17 million. The leadership of the collections company is headed by President Linda Guinn.
Remember that while it is important that you do not ignore the need to resolve your alleged debt with CB Merchant Services, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.
CB Merchant and Services does not explain whether they specialize in a specific area of collections or collect for specific businesses on their website. Because of this lack of information, it is very important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit. CB Merchant Services does note that their company provides a variety of services which include pre-collection services, locating debtors, legal processes, credit reporting, and educational training.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
There are a handful of reviews and complaints currently posted about CB Merchant Services across the internet. On the BBB, CB Merchant Services received 1 complaint closed in the last 3 years, with no customer reviews. Additionally, on Google Reviews the collections company has accumulated 9 reviews amounting to a 1.8 star review overall. CB Merchant Services has also received eleven reviews on WalletHub, which awarded the company 1.7 stars. These reviews mainly noted that CB Merchant Services was allegedly threatening consumers and treating consumers with extreme disrespect. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
Collections companies cannot make empty threats to sue you or garnish because it is illegal. For most cases, collections companies will likely choose not to sue if they cannot verify your debt or you may not owe said debt. Nevertheless, CB Merchant Services can still summon debtors to court and garnish wages after a default judgement. If you believe that CB Merchant Services may have violated the FDCPA, hire legal aid to resolve the discrepancy. It is wisest to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector.
The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes you are able to sue CB Merchant Services. If you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“Awesome law office. They are very professional. They go the extra mile for you and give you the truth about your case. They filed a lawsuit on my behalf and I was able to get a settlement of over $20,000.00, after their fees.”
“They settled my case so fast. No more harassing calls from them bothersome credit card companies. it was a everyday thing 2 to 4 calls a day. I can have peace now. Thank you for all your help.”
“The associates at Lemberg Law took amazing care of me and my situation involving the collection agency. They walked through the steps of process thoroughly and the rest is history. I can’t thank them enough. Thank you!!”
“INCREDIBLE EXPERIENCE! We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. 10/10 recommend this law firm— So happy with our settlement.”
Yes, we would love to assist you with your case. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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