CBCS - Deliana Ohio Attorney General Columbus Ohio

The Westward Winds D.B.A. Expectations Investor Jamestown Ohio



Since the initial report, I have gotten the Attorney General's office to realize a 20 year old estimated tax is invalid. The current situation with CBCS is a "failure to file" fee for 20 years. As I understand it the law was place in effect in 1994, four (4) years after the business was in bankruptcy. However, I have sent letters to the Attorney General's office in Ohio, The Better Business Bureau of Ohio, The Fair Trade Comissions and the former lawyer I had with the bankruptcy. He is now a Judge. His answer was to laugh and he said do not talk with CBCS. Another attorney in Tennessee has advised me to let them take me to court, he would love to have them ask him in court for a fee for a form from 20 years ago. My former partner had all those papers during the bankruptcy and I do not have any of that information. I can, however, obtain a copy from the county where the bankrupty was filed.

CBCS is now sending a bill with monthly fees for not paying the bill but it has been reduced to $1,428.93 with $9.50 as a late fee for not paying.

The Ohio Attorney General's office of Ohio had never, ever in 20 years sent any notification of an outstanding file that needed to be filed. Who is to take the responsibility for removing the credit debt from my report?

April 16, 2009

Margaret A Taulbee
1086 Pearl Hinds Road
Jamestown, Tennessee 38556

CBCS
250 E. Town Street
Columbus, Ohio
Dear CBSC,

I am writing in response to your letter Assessment No: ----dated January 7, 2009, (copy enclosed) because I do not believe I owe what you say I owe.
This is the second time I've notified you, on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:
(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, 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.
I respectfully request that you provide me with the following information:
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in Ohio and your correct street address included. Not a PO Box.
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:
because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Regards,

and:



send all related information to:

Mr. Richard Cordray
Ohio Attorney General
State Office Tower 30 E. Broad Street
17th Floor
Columbus, Ohio 43215-3428






Federal Trade Commission
Room H-159, 600 Pennsylvania Avenue Washington, D.C. 20580




Better Business Bureau
1169 Dublin Road
Columbus, Ohio 43215

Legal Council


Mr. Richard Cordray
Ohio Attorney General
State Office Tower 30 E. Broad Street
17th Floor
Columbus, OH 43215-3428


April 16, 2009


Dear Mr. Cordray:

I am writing to file a complaint against CBCS, a collection agency doing business in Ohio. Their address is:

CBCS
250 E Town St
Columbus, OH 43215
(614) 222-4104

I believe that CBCS is committing fraud by making false and defamatory entries on consumers' credit reports in an attempt to extort payment for debts not owed.

I am aware of many cases in which imaginary delinquent accounts are sold to CBCS, who then attempts to collect on these imaginary debts. But, when a consumer- who has often never had an account with the alleged original creditor- contacts the original creditor for information, the creditor agrees that there is no record of any such account ever existing. Ohio taxation office had written off the debt 20 years ago. The date was in June 1990.

If CBCS is not creating false accounts, at the very least CBCS is making entries on credit reports without a shred of documentation to substantiate the existence of the accounts. This is of course a violation of the Fair Debt Collection Practices Act.

Also, CBCS refuses to respond to consumers' requests for information, as required under the FDCPA. I have enclosed copies of my letters to CBCS to document this ongoing problem. CBCS has also talked with members of my family concerning this issue. They have repeatedly said they will file a lien on our property, attach our bank account and our car.

I am concerned not only with my individual case, but with the very alarming fraudulent practice of creating fake accounts in an effort to collect small amounts from consumers. It is very telling that these fake balances tend to be small. I have no doubt that CBCS thinks that people will pay these small, un-owed balances just to be rid of the problem.

Please look into this very disturbing practice as soon as possible.
Signed:

Jill,
It is probably an extimated tax that the Ohio State Tax off said you had due. Unless they send in writing the amount for exact dates do not file any forms. This will put you into the same situation I am dealing with. It is a scam to get your information and to file the "0" sales so they can get you for failure to file fees for 15 years. It amounts to about 67.00 a month. This law was not put into act until l994 and updated since. A good attorney will tell you that no written off debt can be collected nor can the fees after 15 years. Hope this helped

Jill,
It is probably an extimated tax that the Ohio State Tax off said you had due. Unless they send in writing the amount for exact dates do not file any forms. This will put you into the same situation I am dealing with. It is a scam to get your information and to file the "0" sales so they can get you for failure to file fees for 15 years. It amounts to about 67.00 a month. This law was not put into act until l994 and updated since. A good attorney will tell you that no written off debt can be collected nor can the fees after 15 years. Hope this helped

I just received a letter in the mail today from CBCS. I was going to send them a letter to dispute the debt, but there was no address to send it to. I tried calling the number in the letter, but I only got an automated message to leave my personal information (SSN, phone #, etc.). Thankfully, I decided to check online for information on the company. My situation is just like yours. I started a business in Columbus, Ohio in October 2004. It lasted a whole 2 months, in which we sold nothing before giving up and moving on. Now I get this letter saying that I owe $16,736.28!!! I wish I had made enough money during that time to owe that in taxes! Do you have any advice for me? I'm guessing from your report that I shouldn't contact Ohio's Attorney General. Something else that I found funny: the website they said I could make my payment on is http://ohag.govconnect.com. Shouldn't it be a .gov address?

Thanks,
Jill