Consumer complaint received 2021-05-13
Company: Credit Bureau Services Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 XXXX XXXX XXXX sent Statement showing balance due of {$110.00} after XXXX and XXXX adjustments and note saying that both XXXX and XXXX had denied payment on XX/XX/2021 Did not state when the balance was due. 

XX/XX/2021 XXXX XXXX XXXX statement showing that Balance due was now {$130.00} even after XXXX Payment of {$100.00} and Adjustment of {$110.00} had been received on XX/XX/2021. Hand written words " Final Notice was beside the amount of {$15.00} XX/XX/2021 XXXX XXXX XXXX sent another statement with the words " Final Notice next to the amount of {$100.00} Total due {$130.00} XX/XX/2021 XXXX XXXX XXXX sent letter stating that they had not received a response to Statements and your account has been sent to Credit Bureau Services for collection and any subsequent appointments had been canceled and if there were any questions to call their office. This letter was not found or opened until XX/XX/2021 when boxes removed to storage because of flood damage were relocated and opened. 

Late XXXX and early XXXX we began to receive messages left on our home phone instead of the cell phone given to the physicians office from caller ID XXXX stating only that this was an attempt to collect a debt, not identifying who they were trying to reach, who they represented. Their message was hurried and almost unintelligible. ( We have saved 4 of them since after finding the letter from the doctors office. ) XX/XX/XXXX, called XXXX XXXX and asked if we could drop off payment since we had found their letter and would be in XXXX on business. We were told that since it had been sent to collections they could not accept any payments. Asked them who their Collections service was ( had assumed the " Credit Bureau Services '' mentioned in their letter was generic since had no idea that there was an actual company called Credit Bureau Services in XXXX and the callers leaving voice mail had not identified themselves we assumed they had been more phishing and scam calls since the phone number XXXX has been associated with multiple scam reports according to internet research. 

That evening I sorted through remainder of files taken out of storage and found a plain brown envelope in amongst several similar envelopes asking for charitable donations that only showed XXXX XXXX XXXX as a return address and a date stamp of XX/XX/2021. upon opening found it to be a notice from Credit Bureau Services , IncXXXX in XXXX XXXX with instructions to call XXXX or visit " XXXX XXXX' on line to make payment and that the balance due was {$140.00}. When I went to that website to attempt to make the payment, my computer virus and firewall protection warned me that the site was not secure so I did not attempt to go any farther. 

XX/XX/2021 Visited XXXX XXXX XXXX in person and spoke with their billing officer XXXX XXXX, showed her the envelope and note received from Credit Bureau and played her the voicemail recordings and informed her that I would be filing this complaint against her collections agency for not properly identifying themselves and providing incoherent instructions as well as unsafe electronic payment options. 

XX/XX/2021 Called both XXXX and XXXX and got a message that their office was closed. I left a message asking them to call me back so that I could get a physical address instead of a XXXX XXXX so I could send them print outs of the " unsafe website messages '' via a certified letter so someone is made aware that their process needs to be improved and so that I can share the recordings of their call center scripts that do not clearly identify them or who they are trying to contact.

Company response to consumer: Closed with explanation