CBK, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 666XX	Web
On XX/XX/XXXX I paid off, in full, a municipal water bill totalling {$350.00} from the XXXXXXXX XXXX XXXXXXXX XXXX, which had been sent to collections. The collections agency / law firm that I paid in person on that date is " XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX. I was given a payment reciept on that date, and told that my XXXX XXXX XXXX utility account, ( listed as XXXX ), was fully paid. On XX/XX/XXXX, I returned home from a work trip after a week away from home, and found a notice in my mailbox from the state of Kansas. This notice advised me that my KS tax refund in the amount of {$430.00} was being withheld due to a payment owed to the XXXX XXXX XXXX, a municipal entity. This Kansas state notice claimed the debt owned is in the sum of {$350.00}, which is slightly less than the {$350.00} stated by the XXXX XXXX Department, and the amount that I was charged by CBK Debt Collectors ( {$350.00} ). This would appear to be due to accumulating interest, as the XXXX XXXX seems to have first reported the debt to the State of KS tax refund authorities, and then later also pursued a parallel collection attempt through CBK Debt collectors, simultaneously. On Monday morning, XX/XX/XXXX, I went back to CBK Debt Collectors offices ' and spoke with two female employees, who did not identify themselves. I explained the matter to them, and asked them if CBK Dept Collectors had notified the XXXX XXXX XXXX that I had paid off this account in full in the month of XXXX. They seemed to immediately realize that any 'May ' payments were not yet reported to the client per their company practices, as I was immediately informed by one of the CBK employees that they do not report each individual payment as it is recieved, but delay notification, waiting til the following month, to report a group of payments to the original creditor. I asked the CBK Debt Collector employees ', politely, to call their client, the local XXXX XXXX, and notify them that my bill had been paid in full the previous month, and that they were not legally entitled to take my state tax refund, through a parallel collections effort, for a bill that had been paid in full well before the tax notice had been mailed to me. The two ( 2 ) CBK Debt Collector employees refused to make notification of payment to the original creditor, and told me that they are not authorized to do this or to discuss collection practices. They told me to call a customer service number for CBK Dept Collectors, XXXX, and talk to an authorized employee who could assist me. I called this number from my vehicle at approx XXXX hrs., in the CBK Dept Collectors parking lot, and was initially sent to a voice mail box. I called back and spoke with a CBK Dept Collectors employee who stated that her name was XXXX XXXX. I re-explained the issue to XXXX, and asked her to make a call to her client ( XXXX XXXX XXXX ) and inform them that the bill they were seeking to collect through taking my tax refund payment had already been paid the previous month to CBK. XXXX refused to make notification of this payment to the client, telling me several times that the CBK Dept Collectors 'contract ' with the XXXX XXXX XXXX only requires CBK to make notifications of paid debts every 30 days. XXXX continued to inform me that all payments from the previous month get reported at the same time, on the XXXX of the following month. I advised XXXX that the failure of CBK to make a timely report of a payment-in-full is the reason that my tax refund is being garnished. She told me that I will need to wait through the process, which she generally described as the XXXX XXXX taking my tax refund, and then realizing its mistake and later forwarding me the excess funds that it was not entitled to. I explained to XXXX that there is no need for this 'process ', if she would make notification to her company client and inform them that I paid this bill the previous month. The KS tax refund 'setoff ' program has a 15 day delay, which would affer adequate time for the CBK client to discontinue the garnishment IF CBK made this notification of payment to their client. XXXX refused to make any notification to client before the XXXX of this month, and began to re-explain a 'process ' that I would need to submit to. I asked XXXX to set up a meeting for me with a business manager for the company or one of the legal counsel or owners. She refused to do so, and seemingly denied knowing where the owners of the business were located. She did inform me that the owner was named XXXX XXXX XXXX, but that she could or would not set up a meeting for me with XXXX XXXX I asked to be transferred to someone else who could assist me, and she sent me to the voicemail of another female employee. I left a voicemail for that CBK employee, which was not returned as of XXXX hrs - XXXX hrs, as I began this complaint. I am not arguing that the following statute neccessarily governs this particular case- however under the Kansas UCC, the standard for reporting payments is as follows - 16a-2-104. ( UCCC ) Payment credit date. ( 1 ) A creditor shall credit a payment to the consumer 's account on the date of receipt, except when a delay in crediting does not result in a finance charge or other charge. Whether there is a particular statute in State or Federal collections law governing this failure to report payments in a timely matter to to an collection agency client, I do not know, but there should be.. If this agency wants to do business, it needs to abide by timely notice to clients/ creditors of payment that has been made to pay off debt. While CBK may well have a contract with the municipal entity that only requires reporting payment collected to that client every 30 days, I did not sign any contract with CBK, however I do have a right to be promptly and fairly credited for payment. If CBK makes timely notification of full payment to the client agency, and that agency fails to withdraw the tax refund garnishment, that would absolve the Collection Agency of all responsibility, however when the Collection Agency concedes that the debt has been paid in full well prior to the garnishment notice, yet refuses to intercede in sending an email to its own client warning them of the unauthorized garnishment, that in my view is a serious lapse of ethical and moral duty, especially for an entity that claims 'officer of the court ' status and requires legal access to the courts to conduct its business.
05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80205	Web
I received a collection notice for an amount of {$630.00} from CBK ( http : //cbofks.com/ ) date XX/XX/XXXX. I spoke with them and was informed this was submitted by the creditor XXXX XXXX XXXX XXXX. They did not want to undertake any action when I informed them they sent this to the wrong person. They also had no other information they could provide other than a date of birth and the creditor name. In order to get more information, I spoke with the XXXXXXXX XXXX XXXXXXXX XXXX and was informed this debt was because of an unpaid ticket for running a red-light and driving without a license in XXXX, Kansas in XXXX. However, this debt is for a person with a similar name to mine. The only difference is they have a middle name, and I do not. When XXXX XXXX XXXX involved CBK to collect this debt they sent the full name and date of birth for this person. And CBK decided that this person is me and sent a collection letter to my address. I have no middle name, I have never had a middle name, and I have never gone by any other name. All of my official government issued documents ( Passport, Driver 's License, Birth Certificate, Vehicle Registration, etc ) do not have a middle name. Furthermore, I have never been to Liberal, Kansas, I have never lived in Liberal, Kansas, or any other place in Kansas. I have never even passed through, or set foot inside of Kansas. This debt collection was mistakenly to the wrong person, solely based on the fact that we have a similar name, and the same birthday. CBK did not undergo their due diligence when sending the debt collection letter to my address.
07/22/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	KS 666XX	Web	Older American
I filed my taxes and was expecting a small refund. Instead I XXXX letter in the mail from the state of Kansas stating that I owed a debt to a collection agency and they submitted it to the state for collection. I have no idea what this debt is for but they are telling me I owe the city of XXXX or a court here money and that is what the debt is. I asked them to send me the debt information and they have not done so after a week. The state is holding my refund and has notified IRS to withhold my refund as well. On the state set off website it states that I have be notified and an attempt at collecting the debt on 3 separate occasions before the collection company can request that a tax refund set off takes place. I have never gotten anything from these people about this debt. This debt collector got my information such as address, social security number, etc from the state when they did the set off request. I have not had an opportunity to 1. Know what the debt is. 2. Dispute the debt if it is or is not valid. 3. Be notified prior to the set off that they were going to seize my money. I have emailed the state set off program and they said it will take 45 days to investigate and until then, I can do nothing about it. I need that refund. I am out of work. Here is the website to the state set off program. XXXX XXXX XXXXXXXX The debt collector is XXXX and their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MI 49418	Web
In 2017, Collection Bureau of Kansas unlawfully created an alleged collection account as a result of an unlawful county court matter. Though this account is legally uncollectable, it still remains open, with the most immediate remedy to pay the debt. This affiant has attempted to make payment to release the matter from the XXXX XXXX Kansas District Court, so that a notice of compliance could be granted by the court. Debt collector XXXX XXXX was contacted by my financial and legal advisor via email to make an amicable settlement to pay off the alleged debt, however XXXX immediately became hostile, unprofessional and accusatory toward my advisor stating he misrepresented himself as an attorney. My adviser instructed me to make direct contact with XXXX, who has refused to respond in any form. This affiant then attempted to make contact with principal attorney and owner of the agency XXXX XXXX, who also has chosen not to respond to arrange a settlement. On information and belief, XXXX and XXXX are retaliating to prevent a successful payoff to restore Affiant 's motor vehicle record through the court. Affiant believes this is deliberate and intentional to prevent remedy. Affiant is preparing a civil suit agains Collection Bureau of Kansas to compel them to comply or have declared by the court null and void. Affiant is making this complaint to force compliance.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 662XX	Web
I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 662XX	Web
I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.
01/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 666XX	Web	Servicemember
On XX/XX/XXXX, I checked the XXXX XXXXXXXX XXXX for my name. A debt attempting to be collected by XXXX XXXX is on the XXXX XXXX. I have no idea who this company is nor the debt they are allegeding that I owe them. XXXX XXXX has never notified me of this alleged debt as required by federal law. XXXX XXXX XXXX, it entered XX/XX/XXXX for {$170.00}. Per the XXXX XXXXXXXX XXXX, " to assure due process, setoff statutes require that the debtor be given the opportunity to appeal the validity of the debt. The debtor initially has the right to appeal the debt amount within 15 days from the date of the notice of intent letter. If an appeal is received within 15 days, further XXXX procedures are delayed until the dispute is resolved. If the XXXX XXXX receives an appeal request from the debtor, the XXXX XXXX will acknowledge the debtor and will notify the creditor agency and request that the creditor agency and debtor try to resolve the dispute. If the dispute can not be resolved, the matter is scheduled for a formal hearing. '' The XXXX XXXXXXXX program nor the collection agency never sent me at any form of written communication regarding this debt, including a " notice of intent '' letter. This collection agency and the XXXX XXXX program are in violation of federal laws and their own ordinances.
11/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KS XXXXX	Web
I was garnished by a collection agency in XXXX of XXXX. Upon further investigation by me I found out that this debt was lumped together so that the Court would not know that the outstanding debts were filed XXXX years previously under case no XXXX and that the debts were " Statute Barred '' under the Limitations Act of 1980. Some debts were from XXXX and had been dismissed. On XXXX, XXXX XXXX XXXX ruled that case would be dismissed for lack of prosecution on XX/XX/XXXX and that the case not be reinstated. I filed Kansas Open Records Request with XXXX XXXX XXXX and they had a very hard time explaining to me how the records and fines did not correlate with the records tha CBK filed with the Courts.
09/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 666XX	Web
The Collection Bureau of Kansas is illegally charging intrest on a XXXX Municipal Court Debt. Intrest was never included in original agreement. According to the Fair debt collection practices act that is a violation of subsection 808. Under k.s.a. chapter 12-4119, the municipal court is allowed to contract a collection agency for no more than 33 percent of original principal which I completely agree with. I am willing to pay the principal and collections fees, but not the thousands of dollars in intrest which CBK has absolutely no authorization to collect by their contract or any Kansas law. They are currently sueing me and trying to garnish my wages.
11/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS XXXXX	Web
In XXXX of XXXX, my employer began garnishing my wages. I then learned thru phone calls that this garnishment was for XXXX XXXX XXXX XXXX XXXXXXXX XXXX fines that went as far back as XXXX. As I did further research I found out that some of the fines that were included in their petition were incorrect. I talked with the the Court and they have yet to offer me any remedies. The company is called Collection Bureau of Kansas out of XXXX, Ks.
12/23/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	KS 66614	Web
Person called about debt, asked about payment plan said they needed my employer first and a down payment. Threatened to take me to court in voicemail but when I called I was told it was already at the sheriffs office and been filed and nothing I could do but wait for a court date. This was the second voicemail. The letter was dated XX/XX/XXXX I called debt collector on XX/XX/XXXX and debt collector told me it was filed on XX/XX/XXXX
09/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31905	Web	Servicemember

07/28/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	KS 66615	Web