• Report: #218954

Complaint Review: Cbcs Collection Agency

  • Submitted: Fri, November 03, 2006
  • Updated: Fri, December 12, 2008

  • Reported By:Bath Maine
Cbcs Collection Agency
2 Executive Park Drive Bedford, New Hampshire U.S.A.

Cbcs unethical and corrupt Ripoff Bedford New Hampshire

*UPDATE EX-employee responds: CORRECTION

*Consumer Comment: Alias

*Consumer Comment: You are incorrect

*Consumer Comment: You are incorrect

*Consumer Comment: You are incorrect

*Consumer Comment: You are incorrect

*Consumer Suggestion: Problem Solved!

*Consumer Suggestion: An addition to what Don said

*Consumer Suggestion: false names

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cbcs employees use made up names. It is against federal law to give a false name. I would like some feedback to consider starting a clas action lawsuit against this company

William
Bath, Maine
U.S.A.

This report was posted on Ripoff Report on 11/03/2006 12:04 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cbcs-Collection-Agency/Bedford-New-Hampshire/Cbcs-unethical-and-corrupt-Ripoff-Bedford-New-Hampshire-218954. 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 9Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

CORRECTION

AUTHOR: Prlegal08 - (U.S.A.)

CBCS in Columbus OH, i used to work there and we had to give our real name, the only thing we are NOT required to do is give you our LEGAL LAST NAME, because like someone said we have to protect ourselves, because i had taken calls where people said "i'm gonna kill you stupid B**CH", " i hope your momma dies" and "your a fu**in b***ch, stopp callin my phone"... Simply being a collector then was definatelly the funniest calls i have ever taken, /c these people know they are responsible for the debt and they wonder how we keep getting their info... Its called skip tracing first off, and it very possibly could be another person with the same name as you, but different saocial....

I had taken a call one day when lady called in and said she wants to dispute the debt... Mind you all of her info alrerady popped up on my screen, based on her phone number.... SO i said ok i can help you with that, but i need to verify some info to make sure you are who you say you are....SO she said fine....SO i asked to verify the LAST 4 of her SS, and she said " Im not giving you my social!!" and i said " i didn ask you for your social, i asked you for the last 4"....her response " i'm not giving you my information"... " Well mam i need to verify that you are the person who is on this account, and if last 4 digits do not match, we take your phone number off our list and dispute the debt on the credit report!!!" She ended up hanging up on me, we are just like any other bank, or store card, where when you call they have to make sure it is you that is inquiring about the account, BY law we cannot disclose DEBT info, unless we know we are talking to a debtor himself, ( the wife does not have the right, no family member can know either) so please dont get offended and frustrated we are just following the regulations!!!!

THank you!!
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#2 Consumer Comment

Alias

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

It could be true,but more likely they are using their real names. They have nothing to hide plus they (probably?) have an ID they can give you.
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#3 Consumer Comment

You are incorrect

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

I realize that this is an old report, but figure I'll respond anyway.

I am sure that it is frustrating to receive collection calls so you're looking for a way to get vengeance. However, before you make false accusations, be sure to have your facts straight.

It is perfectly legal for a debt collector to use an alias as long as the collector is consistent in their use of an alias (ie - they cannot call themselves John Smith one day and Bill Johnson the next). There are certain other rules depending on which state the collector is calling, but they are all relatively similar.

The reason for an alias is obvious. Consumers such as yourself become disgruntled. There's no telling what some people are capable of. The debt collector's alias keeps them somewhat safe.

I don't know why this is even an issue. If you owe money, stop shrugging off your responsibility and pay the bill. If you don't have the means with which to pay it in full, they will probably work with you to get it paid off gradually. If you don't owe money and they are calling a wrong number, have them remove it from their dialer. The collector's name, real or otherwise, doesn't change any of the above.

Good luck with the lawsuit. As I used to say: If someone can afford an attorney, they can afford to pay their bill.
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#4 Consumer Comment

You are incorrect

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

I realize that this is an old report, but figure I'll respond anyway.

I am sure that it is frustrating to receive collection calls so you're looking for a way to get vengeance. However, before you make false accusations, be sure to have your facts straight.

It is perfectly legal for a debt collector to use an alias as long as the collector is consistent in their use of an alias (ie - they cannot call themselves John Smith one day and Bill Johnson the next). There are certain other rules depending on which state the collector is calling, but they are all relatively similar.

The reason for an alias is obvious. Consumers such as yourself become disgruntled. There's no telling what some people are capable of. The debt collector's alias keeps them somewhat safe.

I don't know why this is even an issue. If you owe money, stop shrugging off your responsibility and pay the bill. If you don't have the means with which to pay it in full, they will probably work with you to get it paid off gradually. If you don't owe money and they are calling a wrong number, have them remove it from their dialer. The collector's name, real or otherwise, doesn't change any of the above.

Good luck with the lawsuit. As I used to say: If someone can afford an attorney, they can afford to pay their bill.
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#5 Consumer Comment

You are incorrect

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

I realize that this is an old report, but figure I'll respond anyway.

I am sure that it is frustrating to receive collection calls so you're looking for a way to get vengeance. However, before you make false accusations, be sure to have your facts straight.

It is perfectly legal for a debt collector to use an alias as long as the collector is consistent in their use of an alias (ie - they cannot call themselves John Smith one day and Bill Johnson the next). There are certain other rules depending on which state the collector is calling, but they are all relatively similar.

The reason for an alias is obvious. Consumers such as yourself become disgruntled. There's no telling what some people are capable of. The debt collector's alias keeps them somewhat safe.

I don't know why this is even an issue. If you owe money, stop shrugging off your responsibility and pay the bill. If you don't have the means with which to pay it in full, they will probably work with you to get it paid off gradually. If you don't owe money and they are calling a wrong number, have them remove it from their dialer. The collector's name, real or otherwise, doesn't change any of the above.

Good luck with the lawsuit. As I used to say: If someone can afford an attorney, they can afford to pay their bill.
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#6 Consumer Comment

You are incorrect

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

I realize that this is an old report, but figure I'll respond anyway.

I am sure that it is frustrating to receive collection calls so you're looking for a way to get vengeance. However, before you make false accusations, be sure to have your facts straight.

It is perfectly legal for a debt collector to use an alias as long as the collector is consistent in their use of an alias (ie - they cannot call themselves John Smith one day and Bill Johnson the next). There are certain other rules depending on which state the collector is calling, but they are all relatively similar.

The reason for an alias is obvious. Consumers such as yourself become disgruntled. There's no telling what some people are capable of. The debt collector's alias keeps them somewhat safe.

I don't know why this is even an issue. If you owe money, stop shrugging off your responsibility and pay the bill. If you don't have the means with which to pay it in full, they will probably work with you to get it paid off gradually. If you don't owe money and they are calling a wrong number, have them remove it from their dialer. The collector's name, real or otherwise, doesn't change any of the above.

Good luck with the lawsuit. As I used to say: If someone can afford an attorney, they can afford to pay their bill.
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#7 Consumer Suggestion

Problem Solved!

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

Yesterday I recieved 5 calls in a matter of 7 minutes from this company, for a debt that I do not owe. After doing over an hour of research, I found this company on the bbb website and contacted their collection manager, a Mr. Christopher Boisvert. He immediately removed my phone number from their auto-dialer and put me on a do not call list. If you wish to contact Chris and have your name taken off their list and never be contacted by them for a debt you do not owe. Here is his contact information.

Christopher Boisvert
CBCS Collection Manager
603-624-2641
christopher.boisvert@cbcsnational.com

I wish you all the best of luck in resolving your own personal issues with this company.
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#8 Consumer Suggestion

An addition to what Don said

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

This is a gray area even though some state laws allow a collector to INITIALLY use an alias.

The FDCPA does not allow misrepresentation of any kind. This is a conflict with the state laws.
And, they FDCPA requires a collector to provide accurate identification and contact information upon request.

It really doesn't matter what name they use, upon first contact just send the CEASE COMMUNICATIONS request by certified mail.

Then sue them when they violate it.

Get paid!
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#9 Consumer Suggestion

false names

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

The FDCPA does not indicate that collection agents have to use their real name. That is something that is monitored on a state by state basis. There are few states that do not allow "alias" names. Other states allow aliases if they are registered with the government. Most states do not not have a law outlawing "alias" names though.
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