|
11746956
|
2025-01-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11039881
|
2024-12-05
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11502393
|
2025-01-13
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
|
|
6457636
|
2023-01-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6235011
|
2022-11-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2022-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7630430
|
2023-10-02
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
I do not know
|
| Date Received |
2023-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-02
|
| Complaint What Happened |
collection bureau Hudson valley You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5837188
|
2022-08-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2022-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6004620
|
2022-09-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-21
|
| Complaint What Happened |
I was told that the account would be fully removed from credit upon payment. It has been XXXX weeks and the account is still reporting. Please remove the Coll bureau collection from the credit as it a fully paid medical collection and should be removed. Please see confirmation of payment attached. The account was settled for {$1000.00} and paid
|
| Consumer Consent Provided |
Consent provided
|
|
|
5783279
|
2022-07-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-18
|
| Complaint What Happened |
On or about XX/XX/2022, I received a debt collection letter dated XX/XX/2022 from " COLLECTION BUREAU OF THE HUDSON VALLEY , INC. On XX/XX/2022 I responded to their debt collection letter disputing the debt and to validate the debt according the FDCPA provisions. I mailed the letter via USPS paid postage and have a copy of the USPS stamped paid postage. 'COLLECTION BUREAU OF THE HUDSON VALLEY XXXX hereinafter " CBHV '' never responded to my letter therefore is in violation of the Fair Debt Collection Practices Act and the FTC XXXX
I am filing this complaint because they have violated my rights and have damaged my credit rating by falsely reporting a debt collection on all 3 credit bureaus.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5897953
|
2022-08-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2022-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5625843
|
2022-06-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-02
|
| Submitted Via |
Phone
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-02
|
| Consumer Consent Provided |
N/A
|
|
|
5865036
|
2022-08-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-11
|
| Complaint What Happened |
After finding out that XXXX had been charging me for cable for almost two years I went into the XXXX store on XXXX XXXX to dispute the bill on more than one occasion. After speaking to a representative there they took a closer look into my account and saw where I had turned in the boxes in XXXX. However, they showed me that someone employed by XXXX had turned the cable service back on without my permission or authority to do so. As time went by I began to get calls from the attorney representing XXXX on or around XX/XX/2022. I told the attorney that I hadn't had cable for close to two years. He began to read to me that he seen where I terminated the service but it was resumed. I told him I never ask for cable because I have XXXX XXXX on all the T.V. 's in my apartment. So he had to further look into the descrepancy and we were in constant contact with each other via telephone. In XX/XX/2022 he and I had our last conversation but I had already decided to take XXXX to court for breach of contract. XXXX obviously decided to give the account to a collection agency after being served with court documentation for the suit. Now this collection agency Collection Bureau Hudson Valley took the account on or around XX/XX/2022. After checking my credit with XXXX I noticed they appeared on my credit report. I immediately sent court documentation in which XXXX and I were to appear in XXXX on XX/XX/2022, where the case was dismissed in my favor. Therefore, after reviewing my credit report on XXXX I disputed this on my credit report because the case was dismissed in its entirety and closed. I sent court documentation to XXXX to dispute this collection agency being owed any money from me at all. Now, this collection agency refuses to remove the collection from my credit report and the courts never stated to me that I owe any money to any other entity connected with XXXX at all. Therefore, if anyone owes any money to Collection Bureau Hudson Valley it's XXXX who gave them the account after being served to appear in court for " breach of contract ''. I want the collection agency to remove this negative status from my credit report immediately. Any money they believe they are owed should be billed to XXXX. The court closed this case completely and any debts XXXX felt they were owed from me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4596899
|
2021-08-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2021-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4563189
|
2021-07-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2021-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-06
|
| Complaint What Happened |
The Collection Bureau of Hudson Valley Inc. has falsely accused me of being the owner of an account that is not mine and for a service that I have never utilized. Despite multiple conversations with a member of Collection Bureau of Hudson Valley Inc. in the early months of the year, I have spoken to a representative within the Collection Bureau of Hudson Valley Inc. twice in which I claimed and informed them of my disassociation with the account and implied/explained that my name was being fraudulently used for the services in which they are representing. I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges for XXXX XXXX.
Despite my claim of disassociation from the account and the fraud lock and alert on my credit report for nearly a year, the collection agency reported a fraudulent account to the credit bureaus, severely damaging my credit reputation across all bureaus except XXXX, which promptly and efficiently removed the false collection account from my credit. Because there is a fraudulent lock and report on all of my credit reports, and they have completely ignored all of the risks associated with reporting false information and failing to respond to any requests for verification of the collection amount/service used, the Hudson Valley Inc. Collection Bureau is clearly inadequate and incompetent in its investigative process.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6424362
|
2023-01-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3903381
|
2020-10-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2020-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4017760
|
2020-12-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2020-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3731591
|
2020-07-06
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Medical debt
|
| Date Received |
2020-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3634964
|
2020-05-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2020-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-07
|
| Complaint What Happened |
XXXX - Disconnected XXXX internet service in XX/XX/XXXX. Due to switching to XXXX XXXX. End date : XX/XX/XXXX. Final Bill : XX/XX/XXXX.
XXXX - Notification from XXXX to return the following equipment -Network Router : XXXX -Network Router : XXXX -Cable Modem : XXXX I followed link to a pre-paid shipping label at XXXX/XXXX to ship it back. I filled out the form, printed the label, it equipment into in a cardboard box and brought it to the mail carrier XXXX - Email notification from XXXX of {$80.00} balance XXXX - Contacted XXXX to inquire about equipment charge of {$80.00} dollars. I spoke with XXXX. Call reference number : # XXXX. I informed him that I had mailed back the equipment using their own XXXX label. He checked my account and stated eventually stated that : " I am able to see that your account balance Is {$0.00} '' XXXX {$80.00} charge appeared on my checking account. Contacted XXXX to dispute the charge, Spoke with XXXX ( Call reference # XXXX ) control # XXXX. He stated that : " Oh okay, I was able to confirm from the notes on XX/XX/XXXX that the {$80.00} charge was removed '' I informed him that I was charged anyway on my debit card. He stated : " What I am going to do is sent an equipment form so we can look Into this once we look into this we will remove the {$80.00} charge and you will have that chargeback to your card ''. I asked him what equipment it was and he reported that they are missing the XXXX brand Modem.
I escalate to a supervisor, who was to call me back in 24-48 business hours - but I did not receive a call, and it was impossible to reach out to the same representative.
XXXX - Called back and provided call reference numbers and asked to speak with a supervisor and was told I need to wait for a callback. Did not receive any missed calls during this time from unsaved numbers, and did not receive a voicemail or anything else that would indicate a callback was made.
XXXX Disputed the {$80.00} with XXXX XXXX and had the charge removed because I returned the equipment already.
XXXX - Email from XXXX saying I have a statement amount of {$100.00}. I attempt to login to view the statement but I am unable to retrieve the account login without the account number on my statement. I tried to call the customer service number and hung up after an excessive wait length and I had already disputed the amount with my bank, so I gave up in frustration.
XXXX The statement amount becomes {$120.00} at some point XXXX FICO score of XXXX. I'm usually somewhere between the score of XXXX XXXX - FICO score drops to XXXX XXXX - I request a copy of my credit report and found a Derogatory Remark from Collections from Optimum.
XXXX - Filled dispute with XXXX XXXX Dispute completed - information updated but not resolved XXXX - Filing complaint with the Consumer Finance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4241472
|
2021-03-24
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-30
|
| Complaint What Happened |
i recently applied for a mortgage but there were two outstanding credit collection items both related an accident. I XXXX my XXXX due to slip on wet marble floor XXXX XXXXI was taken the XXXX by an XXXX company. The XXXX company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the XXXX was less then 10 blocks. Had I known i would have walked to the XXXX myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees.
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private XXXX service company.
CBHV Collection Agency # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX XXXX XXXX # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX Gym services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my XXXX was XXXX and was in a XXXX. They charged me for months of services despite i had asked them to stop charging.
i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees.
My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3383770
|
2019-09-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2019-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-23
|
| Complaint What Happened |
I got a letter in my mailbox two weeks ago stating I owed {$1300.00} to " XXXX XXXX '' on XX/XX/2019. I have never used services from this company. I have responded by email to their designated account id on the collector 's website, but have not heard from them yet.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3258040
|
2019-05-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2019-05-30
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-30
|
| Consumer Consent Provided |
N/A
|
|
|
3520653
|
2020-02-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2020-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-06
|
| Complaint What Happened |
I recently acquired a copy of my credit report 's reason why I found out about this alleged debt with COLLBUREAU. I pay my bills directly to XXXX XXXX so I don't understand why COLLBUREAU is collecting {$900.00} from me. I do not owe COLLBUREAU any amount and this account should be removed from my credit report. I would like to request for validation of this debt. They need to verify first if balance is valid before they collect money from the customer or if the customer still owes anything from the creditor. Any collection agency should be very careful about putting debt or negative remarks on the customer 's credit report that causing financial and reputation harm.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2778793
|
2018-01-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-11
|
| Submitted Via |
Fax
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-18
|
| Consumer Consent Provided |
N/A
|
|
|
2999638
|
2018-08-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-28
|
| Complaint What Happened |
This debt is not valid I was never notified about this debt and it keeps reappearing on my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
2382771
|
2017-03-11
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Medical
|
| Date Received |
2017-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-14
|
| Complaint What Happened |
I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..
|
| Consumer Consent Provided |
Consent provided
|
|
|
1818214
|
2016-03-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Medical
|
| Date Received |
2016-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-04
|
| Complaint What Happened |
DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!!
As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period.
2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively.
3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate.
Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement.
The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1935790
|
2016-05-21
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical
|
| Date Received |
2016-05-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-05-21
|
| Complaint What Happened |
I have had problems w/the COLLECTION AGENCY IN THE PAST.
COLLECTION BUREAU OF THE HUDSON VALLEY.
In XXXX 2007 i been punched in the mouth by my sibling & needed stitches. My son was going to drive me to the ER when the ambulance showed up-which i did n't call. i refused their services-as i had only had MEDICARE @ the time & ambulance did nothing for me.
I was repeatedly sent a bill in which Medicare had paid part of it but they still wanted {$150.00}.
I suffered a XXXX in XXXX of 2007 & was in XXXX for 3 months. Of course the bills piled up before i was even discharged. i did have a tidy amount of $ in the bank & though i was XXXXmy son would sit me up for an hour a day to make payments by credit card. I paid everyone a little something.
Please remember i was hospitalized for 4 months.
These " people '' CBHV came into my life again & would call all hours-not following the law. But as i was so badly injured-i never thought to report them. This had nothing to do w/the XXXX ambulance bill.
I paid them off just to get rid of their " guerilla tactics '' as i was a very sick woman.
Now keep in mind-my XXXX score is over XXXX! What they had done w/the original {$150.00} charge is kept changing the date of service SO IT WOULD REMAIN ON MY CREDIT REPORTS even after 7 years-in which it is SUPPOSED TO BE REMOVED.
Now on to the current charges. After spending {$50000.00} -all the money to my name-i then applied for MEDICAID IN NYS.
So this current charge when i was seen at XXXX XXXX Hospital, i received a bill for {$25.00}. I called billing & gave them my MEDICAID # and this was supposed to clear this charge. OR SO I WAS TOLD of {$25.00}.
i just received a COLLECTION NOTICE from this corrupt collection agency in which it is charging me {$47.00} for an original bill of {$25.00} -again- i thought ( and was told IT was taken care of ) as due to my incredibly LOW INCOME from XXXX ; i would have qualified for the Charity Grant!
so CBHV not only keeps reporting a {$150.00} by changing the date of service TO KEEP IT ON MY CREDIT HISTORY which obviously is not effecting it & gt ; & gt ; & gt ; IF MY XXXX IS OVER XXXX! but what THEY ARE DOING IS ILLEGAL.
AND NOW THIS ERRONEOUS CHARGE from {$25.00} to {$47.00}. XXXX!
I did write to them & tell them not only am i DISPUTING THIS CHARGE but knowing " their '' falsified reporting tactics-was reporting to you.
I receive after paying MEDICARE & my MEDICAID SPENDOWN-ANOTHER ISSUE-which they are continually harassing me telling me my medical receipts are not applicable to my SPENDOWN which is incorrect as i know WHAT IS & IS N'T.
Anyway-after paying {$100.00}? to MEDICARE & A SPENDOWN OF {$64.00} A MONTH-i am trying to live on {$830.00} a month!
AND AS A HOMEOWNER-I PAY LAND & SCHOOL TAXES which i pay for ambulance services right in my TAX BILL!
yes, i have REPORTED various issues here.
But my MAIN COMPLAINT NOW IS W/ C.B.H.V who i do n't owe this money to. Certainly NOT their " arbitrary '' charge of {$47.00}!
AND THEIR CONTINUAL CHANGING THE DATE OF SERVICE FROM 2007 AND REPORTING TO XXXX ; XXXX XXXX ; XXXX ...
IF I DID N'T PAY MY BILLS WHY WOULD MY FICO SCORE BE SO HIGH? and due to trying to maintain a home on {$830.00} a month i live on CREDIT CARDS so my score is exceptionally HIGH.
I AM NOT PAYING THEM FOR THEIR LIES. AND THE WAY THEY " threatened me in the past '' when i could n't even go to bathroom by myself.
Thanks for your attention to this matter AS THIS COLLECTION AGENCY NEEDS AUDITING.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2204495
|
2016-11-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-01-04
|
| Complaint What Happened |
For the winter of XXXX, I purchased my home heating oil from XXXX.
I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made.
Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received.
Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything.
I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}!
I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account.
I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season.
I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency.
I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX.
I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint.
To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money.
It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}
|
| Consumer Consent Provided |
Consent provided
|
|
|
1258105
|
2015-02-26
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-02-26
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-04
|
| Consumer Consent Provided |
N/A
|
|
|
1356913
|
2015-05-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Collection Bureau of the Hudson Valley, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-06
|
| Consumer Consent Provided |
Consent not provided
|
|
