Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I have to work with XXXX XXXX, the most unprofessional and awful human being I've witnessed in years, when I work with CBS, the collection agency. Due to a layoff, I had a debt go to collections years ago and have paid this debt monthly without issue. Now that XXXX XXXX has taken over the communication for my account, it has only gone from a bad situation to worse. Not only is he a terrible communicator with many grammatical errors in his communications, he is constantly incorrect. 

This month I received a letter stating I did not pay my bill. I did. I have proof and sent proof. That's a small example of how this agency is managed. XXXX XXXX is basically upset because he has been incorrect so many times, I have had to make him aware of his constant and unprofessional behavior. 

The current issue is this : I sent a series of checks and they are in his office. Initially I sent these checks and the office lost them. This caused an issue with him cashing one of the checks after they were found months later even after in writing I made for certain to tell this company not to cash them if they were ever found. Who can not find a series of checks mailed to the address on their website? He's angry at me because he has two addresses posted on his website and I sent the address to one of the locations. He referred to this as " constant chaos ''. Because I pay my bill and do it on time and send to an address on his website. That's the best he can come up with to try and bully me. It didn't work. 

The current and only issue I know have with him is a series of post-dated checks that to a bank that has now closed. The XXXX XXXX checks which XXXX XXXX has in his possession is what I've asked to be returned to me to be re-issued by my new bank. He and his company are so illiterate they don't understand normal communications, so I laid it out very easily for him to read and try to understand -- even with pictures! So, in asking for these 3 months worth of checks to be returned in order to be reissued, this has set this man off. He now claims he will send back ALL of my checks ( they have checks all the way through XX/XX/XXXX that are post-dated ). He claims I can not send any further checks due to this " constant chaos '' -- the fact that he sends me bills that have been paid and the fact that he cashes checks that are clearly not supposed to be cashed -- this doesn't faze him. The fact that my bank closed and I asked for 3 checks back ... that is what keeps XXXX XXXX up at night. 

So, he claims he will not accept any future checks from me. He can not legally tell me how to pay as a consumer and I will not allow him to bully me or anyone else. The XXXX checks will be reissued and the XXXX XXXX checks he claims he will not accept now -- after those are returned per his email -- I will simply return BACK to this office. I will pay via check and will not have this individual tell me how I can pay. My checks have always been paid in full and on time and never bounced. XXXX XXXX methods of cashing checks that aren't supposed to be ( and then paying a fee for his stupidity ), not knowing how to check postal mail from addresses clearly listed on his website and of sending threatening emails to consumers is not something that will go unnoticed. This is a truly unprofessional company who will be reported to the XXXX, CFPB and Kentucky State Attorney General 's office. 

Once the re-issued checks ( all from XXXX XXXX ) have been returned and re-sent back to XXXX XXXX, I do expect them to be cashed on the post-dated exact date that is listed and previously agreed upon. After XX/XX/XXXX, I owe {$170.00} and will pay this debt in full simply to be rid of XXXX XXXX and his awful collections company, Credit Bureau Systems of XXXX   and XXXX, KY.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation