Credit Adjustment Board, Inc.

Review: A man named Mr. H[redacted] called me. He seemed polite enough at first until I told him what I could afford to pay monthly. He then became extremely rude after that point telling me that wasn't acceptable and that I needed to basically figure out a better solution. I was completely caught off guard because I didn't expect to be talked to this way. He told me he would be calling back the following Monday to see if I had found a better solution by then. He called back a week later and again was polite at the beginning. When I told him what I could afford to pay again he proceeded to tell me it was completely unacceptable, once again. I asked him what I was supposed to do about it because I can't afford to pay any more than that. He told me that's my fault because I chose to pay other people ahead of them. He also told me I could take a loan out to pay them as well. I told him I wouldn't be taking a loan out when I have much bigger medical bills to pay. I asked him again what I was supposed to do about it since they wouldn't accept the amount that I could afford and he said he would just note the file that I couldn't pay. It's not that I can't pay but it just has to be in payments. I asked to speak with his supervisor and he proceeded to lie and tell me he was the supervisor for the remainder of the day. I called the telephone number back and asked for a supervisor twice but they immediately forwarded me to Mr. Hall instead. I won't be paying them at all. At this point, I will pay the company that provided the services directly if they are lucky. I've never even received anything in the mail from the CAB company which they are supposed to mail after they contact you. This company has no idea how to run a business. I've done my research on them and no employee or customer ends up happy.Desired Settlement: I've read other complaints and see where CAB outright lies to the customer. Their employee's all the way up to the top are not good people. An apology wouldn't help because it seems like these people are trained to be so rude and nasty and will be just as ugly to the next person they call. Since Mr. H[redacted] was so very rude and wouldn't work with me to figure out a pay plan I ordered a cease and desist put in my file because they were not willing to help me. I'm sure I'll be called again though. I would like something in the mail so that I know that what they have is actually real and my info wasn't just sold to them. Since as I stated before, they have never mailed anything to me as proof that I owe them anything.

Business

Response:

[redacted]Hello and I would like to respond to this complaint by first offering my sincerest apologizes for any inconvenience this may have caused the complainant. We did notify the complainant of this delinquent account, in writing on May -28-2016. We also offered the complainant payment arrangements. We were notified by complainant to cease communications with her on July- 15-2016 ,and we did so immediately, and have not contacted nor will we contact complainant again in the future in regards to this account.Please have the complainant contact me directly if she needs anything else .Thanks,Nick

Review: I received a phone call from a Ms. B[redacted] asking me to return her call concerning a medical bill from Central Virginia Health Services, which was placed with her collection agency; when I returned her call on 4/14/2016, I was greeted with a very unprofessional response. Ms. B[redacted] immediately started yelling at me and stated that CVHS "Was Tired of My Nickeling and Diming", and that I have to pay this bill immediately. Ms. Bird's unprofessionalism was so brutal to the point that I could no longer speak with her, even after I ask her to calm down, she continued with her brutally to the point I just hung up the phone. No one should be treated with such disrespect and unprofessionalism.

I learned today, Monday 18, 2016 that this woman has treated others in the same manner. This is no way for a representative of a business to handle customers who are trying to resolve a situation.Desired Settlement: Ms. B[redacted] should be reprimanded for her unprofessionalism as well as to complete customer service training to develop her customer service skills. It is very obvious that she lacks the skills in and when dealing with people.

Business

Response:

Dear Ms. [redacted]:Toll Free [redacted]April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to [redacted] for any inconvenience that this has caused her.also want to assure her that this account has been closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurred. B[redacted] about this.Sincerely yours,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: I received a call from Ms. C[redacted], she informed me about a bill and I told her I would check for the bill and start making payments. She asked if it would be paid in full and I told her no but I would call back because I was at work at the moment. Later that day I called back and spoke to another agent, I believe Ms. Lee and went over what I could pay and she said they would only accept a pay in full within 30 days and I needed more than that so she transferred me to Ms.C[redacted]. Her tone was very unprofessional, when I asked her to not be so rude she told me I am not going to order her around (yet they order the people paying them around, ha.) The entire conversation was laughable. She was so unprofessional and ghetto on the phone I am not sure how she holds a customer service job. When I told her how she was talking to me she made the comment "atleast I pay my bills"...which confused me because I was calling to PAY my bill. Never in my life have I talked to a company so rude...I am assuming they hire anyone and their phone agents are paid no more than minimum wage. The company I work for would have fired this agent immediately. I would suggest hiring a company to come in and train the staff on how to collect on debts properly and I think you would see a big change in the amount of people that start paying their debts just because you talk to them like they are human. She also advised me she was noting I was UNWILLING to pay, which was a lie. I called back and talked to a manager (Maria) and she set up the exact payment arrangement I previously requested. So everything the previous agent told me was a lie.Desired Settlement: Please have a training session to help your agents learn how to talk to people. You are collecting on debts, most people do not choose to not pay the bills they owe. I can assure you if they had a real conversation and worked with the customers and not rude to them..actually listened to their hardships...you would be much more successful.

If I had my way I would tell you to fire Ms. C[redacted], but I am sure that will not happen so just make sure she never contacts me again.

Business

Response:

Dear Ms. [redacted]: I am in receipt of your letter dated August 22, 2016, regarding the above-referenced account. I want to apologize for any inconvenience this has caused the complainant and we will not contact her regarding this account again. The complainant can, of course, continue to pay her account on the payment arrangement that she has previously made with my company. Sincerely, CREDIT ADJUSTMENT BOARD, INC.

Sadly I called to tell them to stop calling our business number. When I called to ask them to remove the number I was rudely spoken to and then the gentleman proceeded to state laws and tell me how wrong I was to ask them to remove our number.
I'm sorry but our customer service line is for bank customers....not your collection calls.
Rude. Worst customer service ever.

Review: [redacted] turned the bill over to them over a misunderstanding with my health insurance. They called me VERY nasty- and when I asked them if they filed insurance they said "It's exhausted". I have MEDICARE and MEDICAID and last time I checked they are quite active. He said "I'm going to call them and tell them you refused to pay". I immediately called and spoke to Kathy who told me what to do. I gave her the info that was needed to re-bill my insurance CORRECTLY- and she said that she was going to contact them to remove it from my credit report and record. What they are doing is against collection practices and laws- I used to work in collections. I am filing a formal complaint. If I get harassed again I will take this to the authorities.Desired Settlement: An Apology, take my name OFF the records and do not call me anymore, a letter for the credit bureau, clearing of my debt from [redacted] and a thorough reading of the Fair Debt Collection Practices Act- signed that he read it from the guy that called me. I'm actually not joking with that last one either.

Business

Response:

Re: Case Number #[redacted] To Whom It May Concern: We are in receipt of the above-referenced case regarding [redacted]. I would like to apologize for any inconvenience this may have caused Ms. [redacted]. Our client, [redacted], has notified us that they are rebilling this account with Ms. [redacted]'s insurance company. This account has not been reported to any credit bureaus nor will it be. We have also cancelled and closed out this account from our inventory. Sincerely, " CREDIT ADJUSTMENT BOARD, INC.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

C.A.B. phoned me last year about a recent outstanding medical bill. I offered to start a payment arrangement and was told that was acceptable. Then was told they would file a judgement. I started making payments to the medical company and have been continuing to. Today I received another saying the med company was happy with the payments and asked how I planned to pay it. I phoned the med company. They said they were happy with my payments. I phone a supervisor at C.A.B. who need up saying none of what I said was true. I added him to listen to recorded call. They don't record but refused to believe the threats made by them. POOR AND THREATENING SERVICE

Review: I recently closed Five accounts with this collections agency and when I asked that a receipt be e-mailed to me the representative stated that they don't email. So I asked that the receipt be faxed to me the rep said they don't fax. I was trying to obtain the receipt in a timely fashion other than mail as it has been requested in order for me to handle other business. So this hindered me from being able to do what it is I needed to handle.Desired Settlement: In the event that I have to do any business with this company again their policy should be reviewed when it comes to how they handle getting people their receipts. Usually when something is paid for you get a receipt instantly as it should be but this company makes it very difficult to obtain a receipt whether it be for personal records or to handle other business.

Business

Response:

Dear [redacted],

We are in receipt of your letter dated September 18, 2014, in regards to the above-referenced matter.

On September 17, 2014, [redacted] called our office and requested that we send her "paid in full" letters on her accounts that were paid in full to our office. On September 18th we printed and mailed our "paid in full" letters to [redacted] per her request.

If [redacted] has not received these letters by now, please have her contact me directly and I will send these to her again.

Sincerely,

CREDIT ADJUSTMENT BOARD, INC.

By: [redacted], President

Review: I received a call from Credit Adjustment Board at work, I then asked them not to contact me here and she (Ms [redacted]) proceeded to tell me the nature of the business, of a debt I owe. She then asked me how was I going to take care of it today, I told her I do not have that kind of money on me right now, she said okay then I will have to mark this account a refusal to pay. She then said it was policy to mark accounts refusal to pay if the customer can't make a payment. This is unethical business practices. I told her there is a difference of not having that right now and refusal to pay. I did not and do not dispute that I owe [redacted] I even gave her my cellphone number and correct address because I moved. Then I asked for her supervisor, he listened and then boldly tole me he wasn't interested in my excuses and they have been trying to contact me. I hung up the phone because I'm at work and I didn't want to be ugly on the phone no more than I already had been. They have never contacted me concerning this account, they just recently received my information.Desired Settlement: I believe I owe them an apology and they owe me an apology, that business practice of marking an account refusal to pay when a payment arrangement hasn't been reached or made is premature - I will gladly be open to discuss my account and make payment arrangements with the company - I would like an apology from [redacted] and I would like to have another representative contact me to make payment arrangements for what I owe, and I want the refusal to pay status off my account. They can reach me by cell [redacted] but it's better to email me concerning bills and accounts at [redacted]

Business

Response:

[redacted]I am in receipt of your letter dated March 25, 2015, in regards to the above-referenced matter.I apologize for any inconvenience this may have caused Ms. [redacted].Per Ms. [redacted]'s request, we have removed her work phone number from this account and we will notcontact her there again.If Ms. [redacted] would like to pay her just obligations to my client, please have Ms. [redacted] contact my[redacted] Mr. [redacted] would be more thanhappy to tailor a payment plan to accommodate Ms. [redacted].Sincerely yours,[redacted]

Review: On 7/18/2014 I contacted the Credit Service Board, INC in response to a letter I received in the mail. The letter was received in the mail asking for a collection payment. That's not my issue, but I feel obligated to share what the letter stated: I demand you pay this payment in full today. Why have you ignored our previous notices? Send your payment in full today. I wont deny receiving a prior notice, on 7/18/2014 I called the office to make payment over the phone. I asked to speak with a supervisor in regards to the tone of the letter and I was transferred to [redacted] who held the position of office manager. I started to explain to him my concern with the letter and the tone in which it portrayed and explain through personal experience they are ways to say things without being nasty. [redacted] at that pointed decided t to elevate his tone and yell out that letter was approved by our office and attorneys its has been used for years. He has never had anyone to complain, and then I said well I think the content of the letter is very threatening and if people don't have money to pay the way the letter is drafted wont motivate people to pay. Being nasty is not the way to deliver customer service. I notified him that I would be filing a complaint with the Revdex.com and he responded by say you can file a complaint with whoever you want. Before I could finish my statement he hung up on me.Desired Settlement: I would like this business to have better customer service. What [redacted] could have done if he was a REAL manager was apologize for the content if I found it to be offensive. He could have suggested that he would speak with his team and maybe suggest revamping the letter to a softer tone. It would have displayed customer service even if there was nothing he could do to fix the problem.

Business

Response:

Revdex.com spoke with [redacted] and he stated that they do send out a collection letter that has been approved by a counsel and they have been using that letter for about 30 years now. [redacted] stated that the consumer was not hung up by [redacted] and the consumer was very upset regarding the letter that was received.

My experience with CAB is frustrating and disappointing. The bill they called about is in my daughter's name who was a minor when the service was performed and therefore my responsibility, however because my daughter turned 18 the company will no longer discuss the matter with me. But they do call me to talk to my daughter and this one time I allowed them to have my daughter's phone number since they didn't indicate which bill this was. I told them immediately that she was at work and could not speak at the time they were calling, so [redacted] asked if she could leave the message with me. I took her message and believed she would have the courtesy to not call my daughter while she was at work. Sadly, she called her anyway and was extremely rude. My daughter was flustered and wasn't sure even what the bill was so she felt very off guard and in trouble as well as threatened. These types of collection tactics are simply wrong and definitely not the way to go about getting the bill paid. This bill is one of many we have and are making payments on because of our financial hardships we've incurred over the last year. Because of their ugliness they are now put at the bottom of the bill list to receive payments. Go ahead, hurt my and her credit! You can't hurt it any more than it already is. Credit Adjustment Board, Inc. I wouldn't give [redacted] a raise any time soon unless this is how you train your people! I wonder if she likes her job!

Review: I made an agreement to pay this company 20.00 a month until my debt is paid in full. I am constantly getting phone calls about this even tho I have paid on time every month. I got a phone call on 4/30/2015 from Credit Adjustment Board again regarding my bill. I told her I was not delinquent and that I have paid my bill every month on time. She said that they do not extend credit and the want the entire bill paid in full or 5 payments of 55.00. I told her I already have an agreement and if they are not willing to keep that verbal agreement they need to send me a letter stating they will no longer accept my 20.00 payments. She said that they will not send me a letter then hung up on me. She was a bully and was degrading me as a person. I have made my payments and have kept my end of the agreement as stated in November of 2014. I have all of my documents and money order receipts. I am getting tired of the constant harassment from this company when I am doing all I can to pay this bill in full. They are threatening to put my account on my credit report in hopes I pay it off faster.Desired Settlement: Let me finish paying my bill in the manor as verbally agreed and stop threatening and harassing phone calls to place this on my credit report or take further actions. They need to understand that the debt is getting paid off as fast as it can be and as agreed upon by them. If they cannot agree to this then I should not have to pay the bill at all if they wish not to except any further 20.00 payments from me.

Business

Response:

[redacted]I am in receipt of your letter dated May 1, 2015, in regards to the above-referenced matter. I want toapologize to [redacted] for any inconvenience that we have caused her. Please let her know, that we willaccept her $20.00 a month payment towards her accounts. I have instructed my [redacted], to handle this account personally and to send [redacted] a payment plan letter andreturn envelope to her each month.If [redacted] needs anything else, please have her call [redacted]Thanks again for your help in this matter.Sincerely,[redacted]

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: I first received a call on 11/24/14 regarding an outstanding bill from June 2014 where my daughter had to get stitches while we were visiting family. At that point, I said I would have to contact my insurance company to see what the situation was. I did just that and was informed that the claim had been submitted incorrectly and the place would have to re-submit the claim. I called the collection agency back and told them this. I assumed it would be taken care of. On 12/19/14, I received another call and I tried to explain the situation to the woman. She would not let me speak and was extremely rude and began raising her voice to me. I told her it was not appropriate to speak to me that way; I was at work, and to please listen. She would not stop, so I said I would contact a lawyer if necessary and hung up. I then decided to call back to see if I could be directed to someone to discuss what has just occurred. Again I tried to explain the situation and was told I could talk for 10 minutes, but it wouldn't help anything. The gentleman said there was no record of anyone calling me and if someone had spoken to me that way, he would have heard it because they are in the same room. I tried to tell him that I had never even received a detailed bill and he would not believe me. He said it was sent to my street address. I then tried to let him know that we have a PO Box, so that would be the reason why we hadn’t received anything. He then proceeded to say, then why would you provide that for a billing address, which I did not. I am assuming the medical center we were at must have provided the information to the collection agency. He would not take my PO Box information down or even tell me to whom I could speak with to get this resolved. The conversation ended with him telling me the bill was my sole responsibility (which I do not even have an exact amount since I never received a bill) and I have an extremely short time to pay it or it would be on my credit report and further action would be taken. I again said (without him stopping to listen to me), that if this ended up on my credit report, I would certainly be seeking a lawyer.Desired Settlement: I would lke first an apology for being treated the way I was. Second, I would like a detailed bill sent to the correct address so I can contact the original place where the medical service took place to see if I can get the balance resolved with my insurance company. Third, I would like to be compensated in some way for taking the time out of my work day to have to deal with this.

Business

Response:

Dear [redacted]I am in receipt of the above-referenced matter. Per the claimants request, we have changed the statusof her account to "Dispute"; we have sent her a copy of her bill in writing to her Post Office Box and wehave ceased communications with her, all per her request.Thank you and please let me know if you need anything else regarding this matter.Sincerely, [redacted]

Review: This company is calling me in regards to a bill that had been turned over for collection. I NEVER received any written notification from this company in regards to the bill, only phone calls. The initial bill they said was owed was $60 and an additional $15 fee for collection. How can you charge fees for bills when you don't send out correspondence.Desired Settlement: Not paying any additional fees because I never received collection notifications.

Business

Response:

Dear [redacted],We resent written notice to [redacted] on 3-12-16 and 3-18-16.

We have the same address as you have. Thanks Nick

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I receive very little mail and open everything that I receive. TO DATE, I YET TO RECEIVE ANY CORRESPONDENCE VIA MAIL FROM THIS COMPANY.

Regards,

Review: I have requested a Validation of Debt multiple times, in accordance with the FDCPA. I have not only not been sent one, but I have been verbally abused by an agent who took it upon himself to accuse me of lying instead of sending the proper documentation to me. As someone who works for an unsecured lending company, I was leery of the initial calls I received, which told me not to contact the company they claimed had sold the debt to them (despite that company stating that I did not owe them anything at the time service was provided). The call also demanded payment immediately, using verbally abusive tactics, and asked for my bank account information or credit card to be given to the agent over the phone. Due to these obvious signs of potential fraud, I refused to pay until I received a validation of debt in the mail. The agent then made several unlawful calls to me demanding payment (as the FDCPA requires calls to cease while the debt validation is pending).Desired Settlement: I would like to stop being bothered by this scam until they can provide me the validation of debt that I have requested on numerous occasions. I also would request restitution for the unlawful, harassing calls I received in violation of the FDCPA. I would also request that the agent who initially called about this be taken completely off this case, as I refuse to work with someone like him going forward.

Business

Response:

Dear Ms. [redacted] :I am in receipt of the above referenced matter. Per the complainant's request, my company has ceasedall communication. Also, we have requested of our client today, written validation of these accounts,which we will forward to the complainant as soon as we receive them.Thank you.

This company really needs to better train employees to be respectful and professional. I received call from representative who stated her name is Ms. K[redacted] concerning an account submitted to them for $19.00 and some odd cents. I attempted to ask this representative questions regarding this bill due to me not having received any bills from the stated provider and not having personally had any medical services. I ask for details regarding the services such as who was this service for and she provide my child name and proceeded to be pushy, disrespectful in her tone and stated are you going to pay this debt if not..I stopped her there and ask what address was this provider sending statements to she provided this information and proceeded again to tell me are you paying this debt or not I told her that that the wrong address and she stated its what you provide and I stated that I provided the correct address in addition to a copy of my id and insurance cards. She again was rushing me and ended up not wanting to answer any other questions. She said her spill about this is a debt, if you choose to pay you can call back at this number... And hung th phone up. I called back explain what happen and stated that I will pay this bill but I will not accept being talked to in the manner in which I was. I get this same person in the phone. I don't have much to say to her. I gave my information for completing the payment and then asked to be transferred to a supervisor due to her lack of professionalism. Mr. H[redacted] the supervised was brief of this interaction and he stated that it seemed that this rep needs some additional training. I would say she needs more than training. Just because your in a position to bully someone at least you think you don't have the right to do so. Especially in a time where any can call you in a phone and say you have a debt and get your credit information. I have a right to ask these question and verify whether this is my responsibility. I was suppose to be emailed a confirmation of payment and have yet to receive it. I would encourage whoever owns this company to puts some resources in finding some professional employees not someone who seems like there under the influence of something and lacks the ability to be decent and respectful. I work in MH field and clearer this person has some issues. Invest in the best.

Review: I received a call direct to my phone from Mr. [redacted] at extension [redacted] requesting to speak to a member of my family. While he would not disclose the nature of his call, he proceeded to speak very disrespectful and unprofessional. Upon searching for his number, I found this location and it appears that he may be attempting to collect a debt from a member of my family. Never the less, his rudeness was very unprofessional.Desired Settlement: No further contact for the business

Discipline and etiquette training for the employee

Business

Response:

Revdex.com spoke with the business and stated that the complainant's information has been removed and that they will not receive further calls.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Man was very mean on phone demanding payment within three days and would not transfer me to a superviser.