Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc.
State: MI

Complaint narrative:
Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Subject : Formal Dispute of Unauthorized Charges Repair of XXXX XXXXXXXX XXXX  Dear Sir or Madam, This letter constitutes my formal and unequivocal dispute of the charges referenced in your correspondence dated XX/XX/XXXX, concerning repair work performed on my XXXX XXXXXXXX XXXX 
On XX/XX/XXXX, I presented my vehicle to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to a factory paint defect located on the top portion of the XXXX plastic front right bumper. The paint was visibly peeling and bubbling in an area typically not vulnerable to stone chips from road debrissuggesting the damage was unrelated to external forces. Rather, the failure appeared to stem from defective paint adhesion to the plastic substrate, indicative of a manufacturing flaw. XXXXXXXX XXXX  technicians reviewed the condition and classified the issue as a warranty-covered defect, instructing me to deliver the vehicle to your facility, XXXX XXXX, for repair under that coverage. 
Relying in good faith on XXXX professional assessment and representations, I delivered the vehicle to your facility the same day. I signed a repair authorization form, which included a third-party billing sectionevidently completed by your staffindicating that the work was to be covered by warranty via XXXX XXXX XXXX XXXX XXXX. The entry was dated XX/XX/XXXX. 
At no time before, during, or after the repair process, was I provided with : An estimate indicating personal financial responsibility Notification that the warranty claim had been denied An invoice or billing statement regarding the repair costs When I retrieved the vehicle following completion of repairs, I was not informed that the warranty claim had been denied by XXXX XXXX XXXX XXXX XXXX. I received no cost breakdown, invoice, or indication of any outstanding balance. In fact, the first time I was made aware that payment was being soughtand that the repairs had not been formally covered under warrantywas over XXXX months later, when I received your ( XXXX 's XXXX  ) correspondence dated XX/XX/XXXX, threatening small claims court proceedings to compel payment. 
Under Michigan law and established legal precedent, the imposition of charges without express consent XXXX constitute unjust enrichment and lack of mutual assent. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that a party XXXX not demand payment for services performed under a mistaken belief of obligation absent clear notice and consent from the recipient. Moreover, failure to disclose material billing terms prior to service may violate Michigan Consumer Protection Act provisions ( MCL 445.901 et seq. ) addressing deceptive business practices.

Your shop acted as a warranty service provider at the instruction of the originating dealership. At no point did I solicit out-of-pocket repairs, nor did I enter into any contract indicating personal liability. The lack of notification, billing, or consent renders any attempted collection unenforceable against me as a matter of equity and law.

I hereby demand : 1. Immediate removal of any charges asserted in your XX/XX/XXXX notice XXXX. Written confirmation that no attempt will be made to collect funds from me XXXX. That any dispute regarding payment be resolved directly with XXXX XXXX XXXX XXXX XXXX as the referring and authorizing party This letter should be considered a formal dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), as applicable, and any continued attempt to collect without resolution may be subject to regulatory scrutiny or further legal action. I reserve all rights available to me under state and federal law. 
Sincerely,

Company response to consumer: Closed with explanation