CBCS Collections Agency Fraudulent collections attempted but I have a long time active account with their patsy Columbus Ohio

Initial suspicions turned out to be correct,.
The persons involved in the fraudulent collection attempt are/were working for a foreign (offshore) company that owns an actual licensed agency in Ohio. Apparently the provided fax number and 1-888 number forwards to various private residences not a single registered business location. Mrs Blue is just a generic name they use to make consumers believe they have a contact at the original creditor (apparently same name/person for every creditor they supposedly collect for), when in reality they did not contact anyone at Comcast in the case stated. After the stated telephone conversation CBCS never contacted the consumer again in any way. 

CBCS was not contracted to do any collections for Comcast-Knoxville TN, and I am still a current active subscriber to Comcast and have never been arrears on my account from 1998 to current.

Federal Consumer Protection stepped in after several similar complaint filings from local residents. Over the course of 27 months the persons involved in this specific case were found, convicted, and sentenced to 2 years each along with restitution. 

If any of the screaming rebuttal posters had read the full contents of initial report they would have seen that
a) consumer had confirmed with Comcast that there never was a collection case from them in his name or previous addresses, so
b) no, Comcast did not sell a collections account to CBCS in his name,
c) if someone, including him, is permanently disability i.e. unemployed including for previous 8 years then being unable to give employer information is not a refusal to cooperate.
d) since the consumer verified to the supposed collector that the original creditor had no collections on him then if there had been a Mrs Blue at Comcast she would have also verified that, at minimum agents should never lie to a consumer since that is a clear violation of State and Federal law.

And for those who like to derail these RipOffReports by defending collection agencies: My ex-wife and her sister have worked at call centers for several collections agencies including GC Services, a huge debt collector with an average 800% staff turn over rate annually. The whole time they were being sought by banks for bad checks, collectors for unpaid utility and credit card bills, and repo agents. So while ideally an employee of any collection agency should be clean themselves the industry call centers are full of the vary same people they hound beyond legal limits. That is besides the people who pretend to be from a legitimate company but are really just cash paid go-betweens for offshore phishing projects.

804. Acquisition of location information
Any debt collector communicating with any person other
than the consumer for the purpose of acquiring location information
about the consumer shall
(1) identify himself, state that he is confirming or correcting
location information concerning the consumer, and,
only if expressly requested, identify his employer;
(2) not state that such consumer owes any debt;
(3) not communicate with any such person more than once
unless requested to do so by such person or unless
the debt collector reasonably believes that the earlier
response of such person is erroneous or incomplete and
that such person now has correct or complete location
information;
(4) not communicate by post card;
(5) not use any language or symbol on any envelope or
in the contents of any communication effected by the
mails or telegram that indicates that the debt collector
is in the debt collection business or that the communication
relates to the collection of a debt; and
(6) after the debt collector knows the consumer is represented
by an attorney with regard to the subject debt
and has knowledge of, or can readily ascertain, such
attorney's name and address, not communicate with
any person other than that attorney, unless the attorney
fails to respond within a reasonable period of time to
the communication from the debt collector.

FDCPA STatute - Tells you we cannot disclose any information to no person via telephone, or mail UNLESS YOU verify personal info THAT WE ALREADY HAVE!!

ANd Yes you do have to pass a backround check and a CREDIT check if you plan on being hired by a collections agency.. I had a unpaid ticket and a warrant for my arrest b/c of it and CBCS called me and said that this was happening and unless i show proof that it was paid, i would NOT be hired by them... SO ROBERT AND STEVE you guys need to do some reaserch instead of reading POSTS by other PISSED OFF DEBTORS!!!! And if they were felons and criminals WHAT CAN THEY DO WITH A SS# that has BAD CREDIT and owes a DEbt from 1997??? What good will that SS# do for that person?? - I think you need to use your common sense part of your BRAIN..

FURTHER~~~~~~~~~>
809. Validation of debts
(a) Within five days after the initial communication with a
consumer in connection with the collection of any debt,
a debt collector shall, unless the following information is
contained in the initial communication or the consumer has
paid the debt, send the consumer a written notice containing
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed
to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector
in writing within the thirty-day period that the
debt, or any portion thereof, is disputed, the debt collector
will obtain verification of the debt or a copy of
a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer

XX (b) If the consumer notifies the debt collector in writing within
the thirty-day period described in subsection (a) that the
debt, or any portion thereof, is disputed, or that the consumer
requests the name and address of the original creditor, the debt collector shall cease collection of the debt,
or any disputed portion thereof, until the debt collector
obtains verification of the debt or any copy of a judgment,

(c) The failure of a consumer to dispute the validity of a debt
under this section may not be construed by any court as an
admission of liability by the consumer.

**A consumer has a right not to have the alleged debt revealed to third
parties, including family, friends, neighbors, and employers.

**A consumer has a right to have debt collectors contact third parties
only once and only for the purposes of locating the consumer's
whereabouts.
or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of
the original creditor, is mailed to the consumer by the debt
collector.

SO do some reasearch online before you POST YOUR OPINIONS - and if you do not owe the debt the burden of PROOF IS ON YOU to show WHY YOU BELIEVE YOU DONT OWE THE DEBT....

I love those people that call and say " I DONT OWE THE DEBT, ITS NOT MINE, I PAID IT A LONG TIME AGO!!! YOU NEED TO CALL BELLSOUTH (VERIZON, cOMCAST, ELECTRIC COMPANY, ETC) YOU NEED TO CHECK WITH THEM"

Funny but no sir we do not BELLSOUTH, VERIZON, COMAST or whoever, NO LONGER has your account/file/ or debt; They sold the account to Collection agency because they cant be bothered with YOU anymore, and they hire someone else to do the job for them.... IF YOU CALL the ORIGINAL Creditor they will tell you that you dont owe it, or its paid because of the reason stated above... THEY already got their MONEY
Other than that, have a great day!!!!

First Steve you didn't even read what I was saying....yes you have the RIGHT to dispute it...since you and Robert must be some debt junkies you must know all about collection agencies. Trust me if a company is hiring convicts then Comcast wouldn't hire the collection agency to collect the debt..you have to think of it from that point of view. Comcast isn't going to work with a scum bag company.

Since you know little to nothing about fraudulent procedures you shouldn't even be commenting on here..yes it's the burden of the debt collector to prove it's valid BUT it's the consumer to prove that it's fraudulent. The debt isn't going to go away just because someone says it's fraud. Steve and Robert need to start reading what I'm writing & need to talk to FTC ID Theft department if they want to know all the details about fraudulent investigations.

And yes, well obviously if the collection agency is wanting to send you fraudulent dispute papers it's kind of hard to do that if you, Growly Mike, refuse to give your address now isn't it? So you, Growly Mike, were probably confused she wanted to send you fraud dispute papers..you are right there is no way a collection agency (or business) can fill out the fraud affidavit...

However people on here need to get educated...until you KNOW the procedures of collection agencies like AFNI, NCO, CBCS, etc...then you shouldn't be writing lies about them. So ever time people keep adding stuff on here I'm going to reply because you don't read what I write. I guess you are too lazy to read that's not my problem. So Growly Mike needs to talk to Comcast in their final accounts, archive accounts or whatever department is responsible on handling the collection accounts and search with the comcast account number of with Mike's information. I am sure they will find someone that it's actually in his information.

And Mike, Roger, & Steve if you are so worried about fraud then you need to put a fraud alert on your credit reports....or subscribe to a credit monitoring company. "Do what you want but harm no one"

"PDJ",

You are obviously clueless.

Collection agencies, meaning third party collectors such as CBCS and the like are FULL of degenerates! They have drug addicts, sex offenders, ex-felons, and many with bad credit.

The fact is, MOST third party debt collectors do not do background checks at all, and no credit checks either!

Furthermore, many third party debt collectors contract to prison work programs which means some prisoner convicted of who knows what, has access to your credit files,SS#, DOB, and home address!

That collector calling you could be doing it from behind bars!! I hope that makes you sleep better at night!

Now, as far as the debt goes, the LEGAL burden of proof is ALWAYS on the debt collector, and NEVER on the "debtor". That is the law.

A dispute letter LEGALLY stops all collections actions until the collector can validate the debt, per the FDCPA.

"PDJ",

You are obviously clueless.

Collection agencies, meaning third party collectors such as CBCS and the like are FULL of degenerates! They have drug addicts, sex offenders, ex-felons, and many with bad credit.

The fact is, MOST third party debt collectors do not do background checks at all, and no credit checks either!

Furthermore, many third party debt collectors contract to prison work programs which means some prisoner convicted of who knows what, has access to your credit files,SS#, DOB, and home address!

That collector calling you could be doing it from behind bars!! I hope that makes you sleep better at night!

Now, as far as the debt goes, the LEGAL burden of proof is ALWAYS on the debt collector, and NEVER on the "debtor". That is the law.

A dispute letter LEGALLY stops all collections actions until the collector can validate the debt, per the FDCPA.

"PDJ",

You are obviously clueless.

Collection agencies, meaning third party collectors such as CBCS and the like are FULL of degenerates! They have drug addicts, sex offenders, ex-felons, and many with bad credit.

The fact is, MOST third party debt collectors do not do background checks at all, and no credit checks either!

Furthermore, many third party debt collectors contract to prison work programs which means some prisoner convicted of who knows what, has access to your credit files,SS#, DOB, and home address!

That collector calling you could be doing it from behind bars!! I hope that makes you sleep better at night!

Now, as far as the debt goes, the LEGAL burden of proof is ALWAYS on the debt collector, and NEVER on the "debtor". That is the law.

A dispute letter LEGALLY stops all collections actions until the collector can validate the debt, per the FDCPA.

Well you say you know it all...well CBCS probably already did send validation letter...if collection agencies would have people with criminal record/bad credit then that is bad...how can someone with a criminal record/bad credit tell people to pay their debt? It's kind of an oxymoron...and you obviously think it's so bad well then the person should talk to comcast..yes you actually have to do work if it's fraud...the companies don't just go and mark accounts fraud (I have worked for companies in their "fraud" department similar to comcast)...and basically you have to send FTC fraud report OR bills/ID/SSN card proving that you weren't living at the service add during the times of service...so how does that make what the collection agency any different? It doesn't cos all they do is forward the information to the company (example comcast) that placed the debt with the collection agency (example CBCS) Nope...not even working for collection agency...but people on here (and the Internet) want to whine about their debts...well I am sorry if you owe the bill then it doesn't go away (or refuse to send in the appropriate information to dispute the validity of the debt).

So if it's fraud, yes it's the collection agencies to send validation and on request to send copies of bills...or to stop collections according to FDCPA...but like I said it doesn't just get proven fraud (or goes away) as you would like to claim. You said "It is NEVER the consumer's responsibility to PROVE anything to any third party debt collector, let alone fraud!" however contact any company and yes YOU have to proven it's not yours if someone opens an account without your permission/knowledge. The only proof that collection agency has to give is validation letter and copies of bills. And on request, stop collection calls/letters. So you need to look up ID Theft on FTC.gov website and read more. Accounts don't go away, Robert.

"The debt collector must prove that the consumer actually owes the debt! The debt collector must validate the debt when requested. The debt collector must provide the information for the current and original creditor when requested. The debt collector must cease collection attempts when a written DISPUTE or validation request is submitted until the dispute is resolved or validation documents provided to the consumer."
Yes that is correct according to FDCPA but as I was saying I was SPECIFICALLY talking about fraudulent issues which a lot of people like to whine about here and then want to complain about sending personal information when obviously the company already has...and at least in my experience (with people that did work at collections agencies they had to have criminal check/credit check)...like I said it doesn't make since if the person has unpaid debts & is collection on debts!

"In either case, the truth is an absolute defense against any such lawsuits." And the truth is that accounts just don't go away because someone says it's "fraudulent" it has to BE PROVEN FRAUD with documentation from the consumer (debtor). There are LOTS of people on the Internet who don't know what they're talking about.


"The consumer NEEDS to do NOTHING of the kind. All the consumer should do is send a certified letter, return receipt requested to CBCS that disputes the entire amount of the debt as his/hers, that he/she is not going to pay it, demand validation of the debt, and cease communications and that any further telephone calls from CBCS will be considered deliberate harassment and violations of the FDCPA and appropriate criminal complaints will be filed with law enforcement and civil remedies pursued in District Court"

And again that doesn't do anything for the debt to go away..it just stops the calls/letters, again it doesn't do anything to get it proven fraud...so it will probably just sits with the company (example comcast) who the debt incurred..and then it will probably be sold to some other company (example comcast sells the debt to ABC company which tries to collect on it again!). So feel free to not do any investigation with fraud...have fun get it proven fraud, hahaha!

Well you say you know it all...well CBCS probably already did send validation letter...if collection agencies would have people with criminal record/bad credit then that is bad...how can someone with a criminal record/bad credit tell people to pay their debt? It's kind of an oxymoron...and you obviously think it's so bad well then the person should talk to comcast..yes you actually have to do work if it's fraud...the companies don't just go and mark accounts fraud (I have worked for companies in their "fraud" department similar to comcast)...and basically you have to send FTC fraud report OR bills/ID/SSN card proving that you weren't living at the service add during the times of service...so how does that make what the collection agency any different? It doesn't cos all they do is forward the information to the company (example comcast) that placed the debt with the collection agency (example CBCS) Nope...not even working for collection agency...but people on here (and the Internet) want to whine about their debts...well I am sorry if you owe the bill then it doesn't go away (or refuse to send in the appropriate information to dispute the validity of the debt).

So if it's fraud, yes it's the collection agencies to send validation and on request to send copies of bills...or to stop collections according to FDCPA...but like I said it doesn't just get proven fraud (or goes away) as you would like to claim. You said "It is NEVER the consumer's responsibility to PROVE anything to any third party debt collector, let alone fraud!" however contact any company and yes YOU have to proven it's not yours if someone opens an account without your permission/knowledge. The only proof that collection agency has to give is validation letter and copies of bills. And on request, stop collection calls/letters. So you need to look up ID Theft on FTC.gov website and read more. Accounts don't go away, Robert.

"The debt collector must prove that the consumer actually owes the debt! The debt collector must validate the debt when requested. The debt collector must provide the information for the current and original creditor when requested. The debt collector must cease collection attempts when a written DISPUTE or validation request is submitted until the dispute is resolved or validation documents provided to the consumer."
Yes that is correct according to FDCPA but as I was saying I was SPECIFICALLY talking about fraudulent issues which a lot of people like to whine about here and then want to complain about sending personal information when obviously the company already has...and at least in my experience (with people that did work at collections agencies they had to have criminal check/credit check)...like I said it doesn't make since if the person has unpaid debts & is collection on debts!

"In either case, the truth is an absolute defense against any such lawsuits." And the truth is that accounts just don't go away because someone says it's "fraudulent" it has to BE PROVEN FRAUD with documentation from the consumer (debtor). There are LOTS of people on the Internet who don't know what they're talking about.


"The consumer NEEDS to do NOTHING of the kind. All the consumer should do is send a certified letter, return receipt requested to CBCS that disputes the entire amount of the debt as his/hers, that he/she is not going to pay it, demand validation of the debt, and cease communications and that any further telephone calls from CBCS will be considered deliberate harassment and violations of the FDCPA and appropriate criminal complaints will be filed with law enforcement and civil remedies pursued in District Court"

And again that doesn't do anything for the debt to go away..it just stops the calls/letters, again it doesn't do anything to get it proven fraud...so it will probably just sits with the company (example comcast) who the debt incurred..and then it will probably be sold to some other company (example comcast sells the debt to ABC company which tries to collect on it again!). So feel free to not do any investigation with fraud...have fun get it proven fraud, hahaha!

Let's do this by the numbers, eh?

""If you claim to not know who lived at service address and you didn't have Comcast at the time then it's your responsibility to proof that it's fraud.""

COMPLETE UTTER GARBAGE. It is NEVER the consumer's responsibility to PROVE anything to any third party debt collector, let alone fraud! Quite the contrary! The debt collector must prove that the consumer actually owes the debt! The debt collector must validate the debt when requested. The debt collector must provide the information for the current and original creditor when requested. The debt collector must cease collection attempts when a written DISPUTE or validation request is submitted until the dispute is resolved or validation documents provided to the consumer.

""Plus everyone at collections agencies have to go through a through background and credit check. If the workers are criminals or have bad credit they are not hired.""

GARBAGE AGAIN as regards the credit check. I personally know someone who recently was hired by a collection agency and this person's credit is in the tank with outstanding debt in collections. So much for this "myth" of yours.

""That is the standard for all (most?) collection agencies.""

One would HOPE that it was the standard, but alas it is not.

""You should be advised that making false statements about companies is considered abusive and could result in lawsuit against you.""

You should be advised that making false statements about companies in writing could be libel, spoken false comments might be considered slander. In either case, the truth is an absolute defense against any such lawsuits.

""Therefore, next time you should probably do more research regarding this matter.""

LOL! Take your own advise!

""If you don't think it's your account then you need to follow the fraudulent procedures or file an identity theft report details on FTC.gov and forward it to CBCS.""

The consumer NEEDS to do NOTHING of the kind. All the consumer should do is send a certified letter, return receipt requested to CBCS that disputes the entire amount of the debt as his/hers, that he/she is not going to pay it, demand validation of the debt, and cease communications and that any further telephone calls from CBCS will be considered deliberate harassment and violations of the FDCPA and appropriate criminal complaints will be filed with law enforcement and civil remedies pursued in District Court.

The burden of proof is on the debt collector!!!

""Have a nice day.""

You too! LOL!

Dear Mike:

First, was your debt sold to CBCS? If so Comcast has no information. If not, then Comcast should be able to pull up records with the service address or original credit account number. If you claim to not know who lived at service address and you didn't have Comcast at the time then it's your responsibility to proof that it's fraud. The fax number was probably the collections agencies. No, it's not a phising scam as you looked up their information in the phone book and see it's a collection agency. Plus everyone at collections agencies have to go through a through background and credit check. If the workers are criminals or have bad credit they are not hired. That is the standard for all (most?) collection agencies. You should be advised that making false statements about companies is considered abusive and could result in lawsuit against you. Therefore, next time you should probably do more research regarding this matter. If you don't think it's your account then you need to follow the fraudulent procedures or file an identity theft report details on FTC.gov and forward it to CBCS. Have a nice day.