Credit Bureau Collection Services [CBCS]

Hello

My name is Lorna Deygoo and I had my credit bureau report done for a financial application.

The report is showing a reliance debt that was sent to a collections agency. I have never had any accounts with Reliance for any products. Please provide all relevant information pertaining any agreement you believe I have. I have attached snippet of the credit report.

I contacted Reliance Customer Service and the were not able to provide me with any information. I can be reached at this email or by phone at [protected].

I would appreciate your assistance in this matter.

Christ Hospital scheduled an incontenence test Jan 3, 2017 advising patient did not have coverage insurance and charged in excess of $5000 for this test through Dr. Shau. Charges were considered under Aetna and everything paid except deductible of $1500. Yet, CBCS is attempting to collect $1576.82 (excess of deductible). Patient was billed varied amount by Christ Hospital ranging from $5000.00; $3, 800, $1840.00 to $1576.82. Because of the inconsistencies in billing and because other services were added to this deductible, it is apparent Christ Hospital is not posting payments correctly, consistentlyr in proper order. All other services have been reconciled, yet Christ continues to bill for over deductible amount $1500 to tune of $1576.82 acknowledging that $305 was received by Christ from patient. Patient asked for review of charges (not provided) based in inconsistencies in billing and misinformation about no insurance coverage beginning 2017. Patients with no insurance receive greater cost services than those with coverage. At one time CBCS alleged compromise offer to pay $1276 which is actual amount owed considered $305 in payments if in fact the original charges are correct based on knowledge of no insurance and not overstated charges based on no insurance. Services should not have been provided if patient did not have coverage. Provider and Attending Physician should suffer fine of $500 for scheduling non-approved services. All odd outstanding amounts owed by patient Juanita B. Thomas for year beginning January 2017 have been satisfied to other providers other than Christ Hospital, Robinson, Mercy Health, Tara J. Adhikari have been paid and should not be added to this deductible of $1500. Patient still feels 'pee test' was overcharged and similar services should have been researched by other providers before Dr. Shau ordered such an expensive tests.

I've been called numerous times stating my account was in arrears by your legal team ... I was told in November 2017 that when my account is settled in will receive a certificate to indicate so ... I am still waiting, this would be my 5th email requesting this to be sorted as it is affecting my credit score stating I'm in arrears for 8 months with you...

Have this sorted out asap
[protected]

Letter was stating I owed 88.34 for a hospital service on 6/25/2015. I paid the balance. I do not owe this amount. I called the hospital. They stated there was no balance due, it was paid in full for that date of service. The hospital service was for surgery on my knee. I had to pay $345.00 out of pocket before the operation could be done. This was my portion of the bill that insurance would not pay. So how could I still owe $88.34

Received a letter dated August 21, 2015, sayiing I owed $26.84 for an old Baltimore Gas and Electric bill. Logged on to pay at cbcspayments.com and after typing in the access code, the next thing that was asked of me was my entire social security number. I then googled CBCS and saw that they are a scam.

I alfredia started reciving, collection letters from CBCS around the end of 2011, stating i own AT&T $3537.04. i asume it is for a cell phone i never applyed for. I am currently using a Metro PCS, thats been in use for the last five years. i have no plans, or had any plans to pay for a contract phone. To me the only way this could have happen is apone moving, mail with information could have been tampered with.

CBCS illegally took a total of $358.92 electronically from my account on 2/17/2011. How they got my account number is beyond me. I called numerous number trying to contact the company and failed with everyone. I did some research online and found out that CBCS works for Verizon. I called Verizon and got their number. They asked me for an account number... I don't have one.

They had no way of pulling up any information about me. They were extremely rude to me. Trent the first guy would not even transfer me to a supervisor so that I could get more information about this EFT. After threatening with a lawyer I finally was transferred to Maria who was yelling at me to fax my banking statements and my voided checks to them. She also told me that there were pages of people with the same name as me and they probably had charged my account for someone else's debt. I have a hold on my account and my bank is holding all money coming in or going out. I am getting married in 8 weeks and am now out almost $400.

Looking back at my bank statements this is not the first time they have done an EFT on my account. They total $1789.59. They didn't have permission for a single penny.

My next step is to lawyer up and handle this in court.

They sent me collection notice and called me about owing 1300.00 to an old Verizon account from over 12 years ago which I never had. I called Verizon to check and they said that there was no such account of mine from that time. In PA where I live the statute of limitations for bills like these to collect is 4 years.

http://www.fair-debt-collection.com/SOL-by-State.html#39

This company has been doing this to others it appears. I am going to report them to both the PA and Ohio AG office. The address they listed on their letter they sent me is

This company sent me a collection letter for a debt that has been DISCHARGED in a Chapter 7 bankruptcy. This has been going on for 3 year despite sending validation letters and cease and desist requests. They are reporting this collection on my CR, as both in collections and Discharged which is seriously hurting my credit rating

I continue to get phone calls from this collection agency even though when I was finally able to talk with a person I told him there was no one by the name they were asking for at my address, nor had there ever been. I asked them to stop calling me. The next call I got from them was very nasty telling me the calls would continue until I responded and talked to them about the debt I owe and there was nothing I could do about it. Call was very threatening.

I've never been behind in a payment of any kind to any person so these nasty calls upset me.

I might add I am 74 and don't need to be harrassed by CBCS. Latest call today was from a James at [protected]

I get frequent calls on my cell phone and home phone from "Bob Jones" of CBCS. I had a small (less than $100) debt for medical services that apparently got sold to this company. Long story related to moving and mail being sent to the wrong places. Anyway, I paid it in full shortly after I learned that it had been sold. Yet they (CBCS) still call, and call, and call.

I don't know what they think they're going to get out of me. Even if I DID still owe the money, I'd pay it directly to the medical practitioner because I will NEVER give any money to a collections agency, on principle. CBCS, I hope you enjoy wasting your time and resources calling me ten times a week... you'll never get anything other than hung up on. *click*

From what I've read, many others have received a phone call similar to the one I just received. Not only was the woman ignorant, but she couldn't even get the information correct! She said she was trying to collect on a PECO bill from Nov 2005 for an address where I had moved away from in Aug 2005. Then she would switch the year to 2004 (if I hadn't paid a bill in 2004, there's no way PECO would've continued to provide service to me through August '05). I still don't know to which year she was actually trying to refer!

Then she said I need 3 pieces of mail from [protected]) - sure, I keep mail laying around for years, 2 copies of personal ID with my picture & my social security number. Are they nuts? Sure, let me just throw all of that personal information in the mail right now for you! I don't think so. She said I have 45 days to take care of this. And I'm just hearing about this now, in Feb '09? Something just doesn't sound right. She also said I needed a police report if I'm saying that I didn't live there.

This is crazy, but I don't know which course of action to take - certainly don't want my credit to be affected, but are these calls even legitimate? What is everyone else doing? Help, please!

I have no idea who CBCS corporate is...but I have received bills from them for quite a long time. I of course chuck them in the shredder as there is no identification with them. No explanation of whom or what their bills are related to. I too have received numerous phone calls as well as messages left on my machine from 'Steve' and 'Chad'.

The worst message I received was coming home to find a note on my door from our next door neighbor which read... my name and my husband's name...Steve has been trying to contact you...it is important that you call and then the note had the ph. number. which of course was toll-free.

I called the number...asked for the name and was told he is not in. I was asked my ph. number - I would not give it and followed by saying you obviously already have it.

I then said to give 'steve' a message for me. Told them that I did not know if they are an actual collection company for a debt owed by me to anyone else, but that I was certain their practice of looking up people's neighbors and calling them to leave notes was illegal and that I would consider any further contact from them be it through neighbors, family, friends - to be harassment and would take any steps available to me to get them in court. While telling the person this, he was shouting to me that what they did is perfectly legal and then began demanding to know if I screen my calls as well as cussing at me. The only thing I responded to was when I said yes indeed I screen my calls because of bogus thieves like you.

This month I get a bank statement. There is a charge off of my account to ----CBCS. What do you make of that! How did that happen. I am stuck on what to do.

CBCS attempting to collect debt for Alltel Communications, however, cannot produce evidence that I owe the money. Contacted Alltel and verified debt was sold to CBCS. However, Alltel cannot provide proof that I owe the money either. This harassment has been going on for 4 years. Has negatively affected my credit score (784 to 654). I did get the credit report corrected after several months. I believe this is a scam for the following reasons. Collection agency contacts me I dispute the debt and ask for proof of debt. Never hear from that collection agency again. However, a few months later a different collection agency contacts me. I have reported this to the Attorney General and Better Business Bureau of Ohio. Next step is to file complaint with Florida my home state.

These guys have been calling me for a month, out of the blue demanding payment for a Bell South account. I did have one on my credit report years ago and paid it off, and still have the letter to prove it. It was held by an entirely different agency at that time, and I can't imagine why BEll South would be forwarding it to them for collections again.

I didn't ask any details because I thought I knew what account they were referring to and I said that it was paid off. They asked me to produce a cashed check from way back, or pay them within 45 days. I take my credit very seriously. I have no way of knowing if they are legit, but there are a lot of accusations on the web, that's for sure. I will mail them a copy of the letter, it has no personal info on it.

I received a letter stating I owed $81.99 for a bill from 1997 from AT&T broadband. They were willing to settle for $41.00. Imagine my surprise! All of our bills have always been under my husbands name. I did some research and found this site. I am glad I did. I wrote CBCS a letter telling them this was fraud at my expense, and would not tolerate it. I told them to cease and desist their criminal harassment, and if they did not I would contact the Attorney General. I sent the letter today by certified mail, so we will see what happens. I feel that a class action civil suit is in order!