Credit Bureau Collection Services or CBCS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Credit Bureau Collection Services – CBCS?
Credit Bureau Collection Services, Inc. or CBCS is a third-party collection agency with offices in Florida and Ohio. CBCS has received complaints from consumers alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of a debt. If you have been contacted by this debt collector about past due collection items, know your rights before responding.
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Is Credit Bureau Collection Services – CBCS a scam?
They’re legit. Credit Bureau Collection Services is a legitimate collection agency founded in 1948 in Columbus, OH and incorporated in 1997. According to the Better Business Bureau (BBB), alternate business names include The Credit Bureau of Columbus, Inc. and CBC Companies. Their website indicates their headquarters is located in Jacksonville, FL. According to Buzzfile, CBCS generates an annual revenue estimated at $16.3 million and employs a staff estimated at 50 people at its headquarters location.
CBCS’ website indicates “continuous development” in its use of technology; “superior performance” and high professional business standards; and a “commitment” to offering a wide range of solutions to resolving consumer debt as the foundational business values that set CBCS apart from other collection agencies. Its home page features two options for site visitors: “I am a consumer”; or, “I am a Business.”
Who does Credit Bureau Collection Services – CBCS collect for?
On their website, CBCS’ business-related pages provide information about their services, including early-out billing, collection, and Accounts Receivable Management (ARM); industries served, including healthcare, utilities, financial, and government.
The site’s consumer-related pages offer options for making payments; filing a dispute; contact information; and a link entitled, “Your Rights,” that provides debtors with information about how they can request that CBCS representatives not call them at work.
CBCS cites industry links to the Association of Credit and Collection Professionals (ACA), the Healthcare Financial Management Association (HFMA), and the American Association of Healthcare Administration Management (AAHAM).
CBCS has been in business for a long time and focuses mainly on healthcare collections. As a large and competitive firm that has expanded into other areas of the ARM industry, they are susceptible to potential violations of the FDCPA and other consumer protection laws.
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.
How many complaints are there against Credit Bureau Collection Services – CBCS?
The Consumer Financial Protection Bureau (CFPB) lists 16 complaints against Credit Bureau Collection Services since July 2015, all of them for attempts to collect debts not owed; failure to verify debts; and misrepresentation. The BBB lists 42 complaints against CBCS in the past 3 years, with 13 closed in the past 12 months. Most of them allege problems with billing and collection services. The five negative reviews include not only consumer comments, but also a negative review from a business that previously used CBCS to collect its delinquent accounts. Justia lists at least 9 cases of civil litigation naming CBCS as a defendant.
Can Credit Bureau Collection Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CBCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2017, Credit Bureau Collection Services, Inc. (CBCS) faced a proposed class action that alleged it failed to clearly state in a collection notice the exact debt it was attempting to collect. Instead of clearly listing the debt that was owed, the defendant listed a service date that is “confusing, misleading and false” to the plaintiff, i.e. the unsophisticated consumer, according to the complaint. The lawsuit alleges the defendant’s conduct violated the Fair Debt Collection Practices Act (FDCPA).
Credit Bureau Collection Services CBCS Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue CBCS for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“We are writing to express our sincere thanks and to convey how very happy we’ve been, from first contact, together with the services offered by your firm — specifically by the lawyer who handled our situation, Vlad Hirnyk.”
Can You Help Me Delete Credit Bureau Collection Services CBCS from My Credit Report?
We ought to be able to assist. Contact us now and we’ll explain the upcoming steps.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.