Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noted that XXXX XXXX had a new system to check XXXX. I checked XXXX and found that my almost perfect credit score had been dropped from excellent to good. A collection from XXXX on XX/XX/XXXX downgraded my credit for missing a payment. I noted that this was from XXXX XXXX XXXXXXXX I tried to log into my account, but it said it was closed. 

I moved to XXXX XXXX at the beginning of XXXX and changed my address with the post office. I also changed all documents to my new address, including my driver 's license, and kept my same phone number. I moved everything to my property manager, who took over a new XXXX XXXX XXXX  account in the future without delays. 

After noting the credit ding, on XX/XX/XXXX and XX/XX/XXXX, I called XXXX XXXX XXXX multiple times in the past two days with limited information about this bill. The first person said when you close the account, you have 30 days to log in to see your final payment and pay. After that, the account is closed, and you can not log in. Seeing as I was on paperless, they would not have sent a bill to me via email. It seems they had my phone number and my email address correct. However, I never received any documentation. They asked if they had permission to send me the bill via email with a password today, to which I said yes. The bill is for XXXX XXXX See attached. The bill was for statement date XXXX with a due date of XXXX, which most likely is XXXX charges. I closed the account in XXXX and thought it was paid in full, so I moved it to my property manager.

I confirmed with my property manager that they started paying the bills in XXXX, but this bill was mine from closing the account. 

The second person I called at XXXX XXXX XXXX was a little more helpful as I called to pay the bill immediately over the phone. They said they could not take the payment over the phone, but I could call the credit agency. They confirmed that once the account is closed, they do not reach out to contact me, send me a letter, or call me as the account is closed. 

I called the credit agency, XXXX, and they said I could pay over the phone. My reference number is XXXX, and the amount they showed that I owed was XXXX. I paid what they had as there was no record they had that I owed any more. They also filed a dispute over the phone as I explained I am never one day late with bills and pay them in advance for an excellent credit score. XXXX said they tried to reach me by phone monthly on my cell phone but are not allowed to leave a phone message or a text message if there is no answer. I am a XXXX XXXX XXXX XXXX and can not take personal calls at work. They mentioned that they tried calling in XXXX and XXXX. They then sent a letter in XXXX to my former address, the address of the home I own and rent out, which is the address that XXXX was looking for payment. I never received a call that was missed that I recognized or a letter being forwarded. 

I then called XXXX XXXX XXXX back to give them the reference number and to clarify that the bill was paid. The bill was XXXX. The third lady looked up the bill and said oh, I see that you owe XXXX following the final bill that was sent to me XXXX ; there were additional credits on the account made after the final bill was sent. She then said that XXXX must have given you a credit of some sort because it does not match the numbers they have. XXXX XXXX XXXX did not know how much I owed to provide the correct documentation. What if I owe more that I am not aware of??? The lady forwarded me to her supervisor, which was a voicemail. I left a voicemail, and the account in question is XXXX. 

I am extremely disappointed and would like to know about this failure from all parties and know-how ; as a consumer, I can be protected from this type of bad communication and correct my credit score as quickly as possible.

Company response to consumer: Closed with non-monetary relief