• Report: #234566

Complaint Review: CBCS Collection Agency

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  • Submitted: Mon, February 05, 2007
  • Updated: Tue, February 06, 2007

  • Reported By:Laredo Texas
CBCS Collection Agency
PO Box 69 Columbus, Ohio U.S.A.

CBCS Collection Agency CBCS were rude and offensive to me. They demanded personal information such as employer and cellular number. ripoff Columbus Ohio

*Consumer Suggestion: STAY OFF THE PHONE ...

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I received a collection letter dated January 31, 2007, for a debt in the amount of $69.78, from Doctors Hospital of Laredo. I called the number listed on the letter and asked to speak to Mrs. Butler, which was the name on the letter.

The first person I spoke to was a lady named Robin. She was very rude and demanded my employers name and number. I told her that I needed to explain my debt and that it was already paid off by Doctor's Hospital of Laredo. She still demanded my employers name and number, so I told her I did not work. She got mad and she proceeded to ask me how the hell I supported myself and hung up on me.

I called again and soke to another lady who spoke nothing but Spanish and wouldn't give me her name. They obviously have caller ID because she knew my name and knew exactly what I was calling for. She told me that if I didn't pay, that I would get myself into many problems. I asked for Robin's last name and told her that I wanted to report her for being rude and offensive. She told me that No one there had last names and she hung up on me.

I called a third time, and Elizabeth answered. I asked her if she was going to help me, and if she was going to let me explain my situation and she said ok. She then told me that she would transfer my call to her supervisor Jason, and he never answered. I tried to call a 4th and 5th time, but now I get a recording to call back during working hours.

Cynthia
Laredo, Texas
U.S.A.

This report was posted on Ripoff Report on 02/05/2007 09:13 PM and is a permanent record located here: http://www.ripoffreport.com/r/CBCS-Collection-Agency/Columbus-Ohio-43216/CBCS-Collection-Agency-CBCS-were-rude-and-offensive-to-me-They-demanded-personal-informat-234566. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

STAY OFF THE PHONE ...

AUTHOR: P - (U.S.A.)

If the bill was paid see if you still have a copy of the payment. If not contact the hospital and see if they can prove you paid ... i believe the debt is SOL anyway ...

GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S

Tell them to validate by

. What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent


1. NEVER talk to a collection agency on the phone. Period.
2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon.
3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME
4. Keep a copy of every letter you send.
5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest.
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