Cedars Business Services, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/31/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 22102	Web
Company, Cedars Business Services, originally made first contact at the end of XXXX ( forget exact date ) regarding a claim of unpaid subscription from XXXX in the amount of {$120.00}. I stated that I believed the attempt to collect was fraudulent and would like to open an investigation of fraud. The agent complied and asked me to email proof of payment, cancellation, or otherwise. I found an email showing that I had cancelled the original free trial WITHIN THE TRIAL PERIOD via XXXX, and received an email from XXXX in XXXX of XXXX stating that the payment agreement had been cancelled. I never made a single payment towards the original account, as it was a free trial, and I believe the trial was opened fraudulently using my information. I emailed this documentation to Cedars Business Services. After receiving my proof of cancellation within the trial period, the original agent ( XXXX ), stated that I had shown clear proof of cancellation, and that an investigation would be opened regarding a fraudulent attempt to collect. Agent confirmed repeatedly that I had provided proof of cancellation. At this point, I requested a debt validation letter via mail, and requested to NOT BE CONTACTED via digital means or cell phone. I specifically requested to only be contacted via certified mail, and provided my current address ( XX/XX/XXXX ). I received NO VALIDATION LETTER WITHIN 5 DAYS OF CONTACT VIA PHYSICAL MAIL. Months went by and did not receive validation via physical mail, or any other form of documentation. Instead, I received a text message months later. on XX/XX/XXXX from Cedars Business Services stating that I had Promised a payment. Firstly, no payment was promised as I reported the attempt to collect as fraudulent. Secondly, this is a clear violation of the Debt Collection Rule, as I was contacted via Text Message, after a very clear request to Not be contacted anymore via digital means, clearly withdrawing my consent to digital contact. I was upset that i was contacted via text message after withdrawing consent to digital contact. I called and a new agent answered the phone. He again admitted, as I recall, I see you sent PROOF that the account was cancelled within the trial period, again confirming that I had sent clear proof. He stated that An investigation of fraud would be opened ( same script used in XXXX ). I stated that I was already told a fraud investigation was being opened over two months ago, and I asked if the original investigation had ever been opened, and the agent replied no and apologized. I asked why not, and was not provided any definitive answer. I then inquired why I was contacted via digital means after withdrawing consent and was told that there may have been a system glitch. This is concerning as it sounds like this could be a widespread practice ( violating Debt Collection Rule regarding digital contact after withdrawing consent ) at the collection agency in question, Cedars Business Services. The new agent, in XXXX of XXXX, was unable to provide proof of certified mailing of the Debt Validation letter as requested. He then stated that my request to stop digital contact was never properly recorded, and that the original investigation of fraudulent account was never opened. At this point, I inquired if the original agent had been dishonest, in notations or otherwise, when I was originally told an investigation of fraudulent collection was being opened and withdrew digital contact consent. The agent replied Yes, confirming that the original agent had misled me. I asked the agent to notate this inquiry / answer, where the agent confirmed misleading treatment regarding opening of a fraudulent investigation and digital contact consent. The agent repeatedly refused to notate that he had confirmed my inquiry of misleading practices regarding the promise of opening fraud investigation by the original agent. Agent stated that he was only going to notate that I expressed concern regarding the previous agents notation, not the answer yes which was a clear admittance of dishonest treatment per an agent of the Company. I implored that the agent record that he provided me confirmation of misleading practices, and he again refused to notate this interaction. Soon after, the agent said that I had withdrawn consent so he was going to hang up. I stated that I had many unanswered questions still, and had voluntarily consented to contact via phone by placing an outbound call to the agency in XXXX of XXXX. He hung up the phone at this point. After repeated attempts to call the agency again, I was repeatedly disconnected or received no answer. I clearly stated I have voluntarily called, implying consent to phone contact. I do not wish to withdraw consent of telephone contact., but was hung up on and blocked from speaking to an agent again. After months of collection attempts, there have been, in my opinion, many CLEAR violations of CFPB guidelines and/or questionable business practices : XXXX. ) Continued attempts to collect after providing proof of cancellation : email from XXXX stating Cancellation of automatic payment agreement within the free trial period. Multiple agents confirmed this was clear proof of cancellation, yet continued to attempt to collect. XXXX. ) Violation of Debt Collection Rule : digital contact via text message after withdrawing consent to digital contact. XXXX. ) Failure to send Debt Validation via certified mail, as requested, for over two months, FAR outside the five day window allotted. XXXX. ) Failure to properly notate requests of digital contact consent and opening of fraud investigation XXXX ) Agent confirmed that previous agent had been dishonest with me regarding notations, investigations, and digital consent.
06/04/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	HI 96816	Web
Illegal attempt by Cedars Business Services to collect a fraudulent debt of {$1200.00} on behalf of XXXX XXXX XXXX XXXX XXXX. There are unscrupulous businesses that are trying to scam innocent law-abiding citizens during these difficult times, and we need to prevent others from being scammed. On XX/XX/20, I received a letter dated XX/XX/20 from Cedars Business Services stating " Your account has been placed in our office for collections. If paid in full or if payment arrangements are made with our office, all collection activity will be stopped. The amount referenced is seriously past due. We would like to hear from you regarding how you intend to resolve the outstanding balance. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor. '' ACCOUNT SUMMARY Our file # :XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor Account # : XXXX Principal : {$1200.00} Interest : {$0.00} Fee : {$0.00} Legal Fee : {$0.00} Paid Since Listed Date : {$0.00} TOTAL DUE : {$1200.00} PAY BY PHONE XXXX XXXX XXXX - XXXX XXXX Pacific Time PAY BY INTERNET www.paycfi.com PAY BY MAIL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Make Checks Payable and Remit To : Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/20, I called XXXX XXXX XXXX XXXX XXXX, XXXX, identified myself, and was informed that Creditor Account # XXXX was not a legitimate account number. I was advised to call the originator of the letter. I contacted Cedars Business Services online : " On XX/XX/20, I received your letter dated XX/XX/20, advising me that creditor, XXXX XXXX XXXXXXXX XXXX XXXX, is requesting a seriously past-due payment of {$1200.00}. On XX/XX/20, I called XXXX XXXX XXXX XXXX XXXX at XXXX, to inquire about the validity of this debt collection, using Creditor Account # XXXX as shown in your letter. The XXXX Co stated that this account number is not a valid one ; and therefore, there is no payment due. Besides, I have never used their services. I am hereby requesting that you void this invalid debt collection ; as I am disputing the validity of this claim. Thank you for the courtesy of a prompt reply. '' On XX/XX/20, I received a response from XXXX XXXX ( XXXX ) : " We received your dispute on our website stating that you are the wrong person. For your security, I'd like to confirm that I am speaking to the right party. Can you please confirm your zip code and month of birth? Regards, XXXX XXXX '' Account Manager Cedars Business Services Direct : XXXX Toll Free : XXXX Team : XXXX On XX/XX/20, I replied : " Before we proceed further, please send me proof of this debt immediately, so that I can contact my lawyer and also file a complaint with the Hawaii Office of Consumer Protection. I will need copies of all documents pertaining to this debt, as the XXXXXXXX XXXX XXXX XXXX XXXX again stated they have no history of my ever using their services. Your immediate response is sincerely appreciated. '' On XX/XX/20, I received an email from XXXX XXXX XXXX ( XXXX ) : " We are still waiting to hear from you regarding your past due balance with XXXX XXXX XXXX XXXX XXXX. Please give us a chance to assist you. Contact us at XXXX to find out how we can help you. If you prefer not to discuss this matter by phone & to pay balance online, please visit our secure payment portal at www.paycfi.com. '' ( same creditor name, file #, account #, principal balance listed ) Again, I have never used the XXXX XXXX XXXX XXXX XXXX system. Companies like this one are trying to profit from the chaos of covid-19 and are sending out erroneous billing to people. This company did not doublecheck nor provide proof of any services provided by the XXXX XXXX XXXX XXXX XXXX system, and the XXXX XXXX XXXX XXXX XXXX already told me they have no record for me. I am shocked to learn that they are using false data from either stolen credit cards/businesses, falsifying documents/billing, embezzling money from within their company, trying to keep a good reputation as a legitimate business, and protecting their own employees to steal. I checked with the XXXX XXXX XXXX website and found a complaint similar to mine from another state.
05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90631	Web
On XXXX XXXX, XXXX I applied for a loan to finance a car through XXXX XXXX XXXX XXXX XXXX. Positive that I would be able to get the loan because I have no debt, graduated from XXXX in XXXX, have held a job for over two years, and have no other finances that I am liable for, I was in aghast when I was denied. I then found out the reason that I did not get approved for the loan was because my XXXX Credit report shows an outstanding debt of {$8500.00}. However, that balance was paid in full. Once it was paid in full in XXXX it took the company over a month to send me proof of the payment. I had constantly call Cedar Financial weekly to get that proof and still it had took a month for them to mail it out. The lady that I talked to was extremely rude and made it seem like I was inconveniencing her by asking her to send me proof of my payment. I had to call her 5 times before I got the letter. The letter states Youre debt reference above is now closed and Paid in Full. If we have previously reported the debt to any of the credit bureaus, we will report the debt as paid or settled in full. '' After I receive this confirmation I assumed I was in the finally done with all the finances from college. Unfortunately, I was wrong and had to find out the hard way of not be able to buy my car this past weekend. Cedar Financial has neglected to update the collection trade line they reported to my XXXX Credit file to a paid collection status. My Trade Line still displays as an open collection account. They had an obligation per the FCRA to report the paid status once I paid it in full. I called Cedar Financial yesterday XXXX XXXX, XXXX, I spoke with their customer service rep XXXX and she was extremely rude, I said " you do n't have to be rude XXXX '' and she responded " I am not rude, unless you are being rude with me. '' Working in customer service for several years, I know that the customer is always right and how she responded to me was uncalled for as I simple was trying to be as polite as I could be asking for a manger to discuss my credit issue. After I was transferred to the Collections Manager of the department, XXXX XXXX, he had told me that my file no. had a {$0.00} balance and was paid in full. I explained to him I was calling because I was denied a loan and he said that they never reported my balance to any Bureau because it was handled in house. I told well then why was it on my credit report and he said he had no idea because they had no record of that on their files. He then asked me if I could screen shot my credit report and send it via email to their accounting office. I said that I was not comfortable doing that and told him I should not have to that. I asked him if he could pull a bulls-eye or had the ability to do a soft pull to verify instead of requesting me to send my report. He told me that they did not have the ability to do that so I had to send them a picture of my report. The conversation ended and he said he would call me back later that day. When I got a hold of him later he then said " Yes, I guess we did send this to CRA 's '' but reported it and that I needed to contact XXXX to get this resolved. I said no that is not how it works ; it was your guys ' obligation to make sure this was resolved. He told me no and that he was actually doing me a favor helping me because he did not have to and then I would struggle trying to get a hold of XXXX. I requested that they submit an XXXX to update my account to a paid status to all the CRA 's immediately. He told me that they did not have the ability to do that and that the process of getting this matter resolved would take 45 days. I told him that is not true because if he knew what he was talking about he would submit an XXXX and have this update within 24 hours. I also requested that he send me a letter/proof via email this morning that that the account was paid in full so that I could take to the credit grantor this morning. He said that it would be in my inbox first thing in the morning when they open at XXXX. It is now XXXX XXXX, XXXX, XXXX am and I have yet to receive anything. I called this morning and he was not available to speak with. I am very dissatisfied with how this company has handled this process and has neglected to update their collection accounts monthly. This neglect has caused me embarrassment when I was denied my loan, caused me to have to XXXX to work, wasted my time dealing with this issue, and numerous amount of stress.
09/26/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Servicemember
am responding to your contact about a debt you are trying to collect. You put on my credit that I owe you a debt. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : Is your license still active and valid because i did not locate it at : XXXX XXXX XXXX The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. Sincerely, XXXX XXXX
06/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76262	Web
On XX/XX/XXXX, I received a text message from XXXX saying that XXXX declined a suspicious charge to my XXXX ending in XXXX to XXXX that XXXX believed to be fraudulent. I logged in to my XXXXXXXX XXXX XXXX account and saw that there were actually two unauthorized charges made on XX/XX/XXXX : one to XXXX and one to XXXX ( which is owned by XXXX ). I called XXXX immediately and let them know that neither charge was made by me and that no one I know had access to my card ( which was in my possession ). XXXX advised that they would decline the charges, suspend my XXXX ending in XXXX, and replace my XXXX with a new card/number. XXXX also advised that I would not need to do anything further. I thought that since I called XXXX immediately and let XXXX know that I did not authorize or make those charges, the matters were closed. Beginning in XX/XX/XXXX, I started receiving calls from a collection agency ( Cedars Business Services ) to collect a debt to XXXX. I wasn't sure if these calls were from a legitimate collection agency because I don't owe XXXX, or any related company, any amount of money, and I don't have any collections showing on any of my credit reports. I even opened a credit card with XXXX in late XXXX with no problems whatsoever. On XX/XX/XXXX, I received a letter from Cedars Business Services dated XX/XX/XXXX saying they are trying to collect a debt on behalf of XXXX in the amount of {$2800.00}. I then contacted XXXX. XXXX provided me with more information regarding the fraudulent charge that was not made by me or anyone I know. They confirmed that the charge was made on XX/XX/XXXX and that the billing name was under my name, XXXX XXXX, the billing address was under my home address, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and that the charge to my XXXX ending in XXXX was declined ( numerous times ). The email address XXXX provided ( XXXX ) is not my email address and has never been my email address. The shipping address Wayfair provided ( XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) is also not my address and has never been my address ; I have never known anyone living at this address. Further, I don't know, and have never known, anyone that lives ( or lived ) in the entire state of XXXX, and I have never lived in the state of XXXX. Regardless of the declined charge, and regardless that I disputed the charge immediately after I learned of it, XXXX still shipped the items to the shipping address stated above in XXXXXXXX XXXX, and the items were delivered to such address in XXXX, XXXX on XX/XX/XXXX. After looking into this matter, XXXX acknowledged on XX/XX/XXXX that this matter was both suspicious and fraudulent. On XX/XX/XXXX, I was contacted by someone who works for XXXX, and she advised that because I did not contact XXXX myself in XX/XX/XXXX ( even though XXXX told me specifically that I didnt have to contact XXXX and that they ( XXXX ) would handle everything else on my behalf ), XXXX XXXX Department and/or XXXX Department can not help me resolve the issue with the collection agency ( Cedars Business Services ) since the matter happened over one year ago ( even though XXXX wrongfully sent my information to collections, and even though three different people I spoke to at XXXX admitted this was clearly identity theft ). XXXX also should not have sent the items totaling {$2800.00} to the XXXX, XXXX address since the transactions were declined by XXXX from the beginning. In summation, I am a victim of identity theft, but neither XXXX nor XXXX are helping me resolve this matter, and I'm the one who is having to fight the collection agency over a debt that is NOT mine for a purchase that I did NOT authorize. I have filed an Identity Theft Report with the Federal Trade Commission, and I have sent a letter with supporting evidence to Cedars Business Services , LLC. However, it would be VERY helpful if XXXX would take responsibility for their errors that took place and help me resolve the problem that I'm now facing with Cedars Business Services , LLC. If this matter isnt resolved in my favor, and quickly, I will be filing lawsuits against XXXX for wrongfully sending me to collections and Cedars Business Services , LLC.
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91206	Web
I sent ( XXXX ) Letters in XX/XX/2022 and XX/XX/2022 to Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' who is reporting fraudulent & unvalidated information. " CEDARS BUSINESS SERVICE '' are allegedly stating I have alleged debt of {$13000.00} but I never contracted to do business with them ; The Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' has NOT provided any sufficient validation and did not follow my request. " CEDARS BUSINESS SERVICE '' had ( 14 ) days to provide the correct request to validate the debt which they did not ; It has been more than ( 60 ) days ; I requested the following from Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' as I was never notified of this alleged debt collection. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requiring the following exactly as instructed : An explanation of what this alleged account balance is for. A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. Documentation that shows I agreed to pay this debt with my signature ; documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft which you will be reported for such. The Agreement that grants you authority to collect on this alleged debt. A copy of your state license, including license number that give you rights to collect in my state. The purchase agreement Any Executive Officer to Swear under penalty of perjury you were present during the alleged debt Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' has to understand reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' have committed the following FDCPA Violations as they are sending deceptive forms making false belief that I owe them anything. 15 USC 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile and furnish any form knowing that such form would be used to create false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. Cease and Desist ASAP as well as Delete this account from these Credit Reporting Agencies XXXX XXXX XXXX XXXX ) except to provide me with accurate validation of this debt by US mail only not the same insufficient document you already sent. I have also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), CA State Attorney General and The XXXX XXXX XXXX XXXXo have confirmation of proof. You have another ( 14 ) days from the date of this letter to respond with all items requested and I demand these items to be removed immediately from the Credit Reporting Agencies XXXX XXXX XXXX XXXX ) and XXXX parties or I will seek Monetary compensation damages for all the violations you already committed. I do not know this Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' and never signed any contract with them. The Alleged Debt Collection Company " CEDARS BUSINESS SERVICE '' illegally received my personal information without my permission which is Identity Theft a violation of my federally protected consumer rights.
11/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97222	Web
Upon arriving at the car rental kiosk ( XX/XX/2013 ), the gentleman behind the counter informed us that we had to purchase insurance, and that because we did not book directly through XXXX, we did not see this disclosure. Our original XXXX quote was for XXXX XXXX ( attached ). We ended up with a XXXX XXXX bill ( which converted to {$920.00} on XX/XX/13 ). We are not disputing this charge, even though we were bait and switched. When we went to the parking garage to pick up the car, the gentleman at the desk took his portion of the paperwork and told us where the car was ( which wasnt even in the spot he told us ). He NEVER did a walk around with us OR offered us a walk around. The security cameras will show this between 14:41 hr 15:30 hrs. Upon returning the car ( XX/XX/2013 ), the gentleman ( a different person ) did a thorough walk around. He showed us three areas of damage. We told him they were already on the car. He made a call, and told us all but one was previous damages. He pointed to a ding on the drivers side door that can only be seen when the light hits the spot just right. I told him we did not cause the damage because we never even noticed the spot while we had the car and the spot was barely visible in the dimly lit parking garage. I asked what was going to happen and thats when he pretended to no longer speak or understand English and pointed upstairs. We were smart enough to take a picture using a XXXX XXXX cent piece, which is the exact size of a US XXXX XXXX piece. The picture attached shows that the spot is maybe 1/5th the size of a quarter. Upstairs at the rental kiosk the lady told us the fleet manager would have to take a look at the damage. She said we would be contacted. We have NOT been contacted at all since we'd left XXXX. We left XXXX on XX/XX/2013. We also dont know how to get ahold of the company, because it was a XXXX company ( XXXX ) affiliated with XXXX. And as stated in the first paragraph we were bait and switched upon arrival. This was our first foreign vacation and we were nervous and inexperienced. We did not speak any XXXX so we were easily duped. Regardless, we maintain we did not cause the tiny ding and should not lose our deposit over basic wear and tear on the vehicle. We provided all the evidence to the credit card company and the credit card company refunded our deposit. Since we did not hear anything from the rental company, we'd believed the matter was closed. Sometime afterward, the rental company turned in the " deposit '' to collections, which has consequently placed it on my credit reports. We have had our attorney contact Cedar Financial but Cedar Financial quit communicating with our attorney. Again, we do NOT dispute that we'd rented the car, but we do dispute that we'd damaged the car. And when nobody could prove it, it becomes an erroneous claim. Also, I believe this company is notorious for this scam on others. See the link of reviews regarding this company that I'd found : XXXX XXXX XXXX As you can see in the attachments, we believe this debt is fraudulent and should be removed from the credit reports.
03/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78250	Web
1. XX/XX/XXXX. Began employment at the facility in XXXX, TX. Signed relocation package valued at {$12000.00}, ( exhibit 1 ). 2. XX/XX/XXXX. Relocated to the facility in XXXX, TX. Signed relocation package valued at {$12000.00}, ( exhibit 2 ). 2a. As noted in both relocation packages, the relocation to XXXX nullified the original relocation commitment. 3. During the summer of XXXX, I was temporally travelling back to and forth the XXXX, TX facility to work on equipment. During these times, I would still report to my assigned location of XXXX, TX to get a company truck and drive to XXXX. During that time, I would also return to XXXX on the weekend, and at the end of the hitch. There was no change in my reporting structure, as this was a temporary assignment. 4. In XXXX of XXXX, I was told I was being dedicated to XXXX. From that point forward, I began reporting directly to the XXXX, TX, facility as opposed to the XXXX facility I had been assigned to. My job function had substantially changed, as I was no longer covering fleets in the field as I had been hired for, and my reporting structure had changed to include a manager from the XXXX XXXX XXXX department from XXXX, TX. Also, I was no longer required to follow the same policies and procedures of the XXXX facility when it came to submitting reports and documentation. This dedication was a de facto relocation without compensation for all intents and purposes. 4a. Based on the notes in the two relocation packages referenced above, being relocated nullifies any previous relocation commitment. 5. XX/XX/XXXX. I submitted my 2 week notice of resignation to XXXX. On XX/XX/XXXX, I drove from XXXX to XXXX for out processing. 6. On my final owed check, XXXX XXXX XXXX retained the amount of {$1700.00} as money owed due to the initial relocation package to XXXX. Since this agreement was nullified by the subsequent relocation, this was money that was not legally retained by my employer ; however I was willing to not pursue this issue. 7. In the first part of XXXX, I received a letter from XXXX stating I still owed them relocation reimbursement. 7a. In the agreements, ( exhibits 1 and 2 ) it states, that i ) the company shall recover funds from the employees final paycheck. Since, however, my final pay was issued for {$66.00}. A reasonable person would believe that any claimed liability had been satisfied. And ii ) it is also stated that any outstanding balance would be paid back within 30 days of separation. Yet it took the company almost 6 weeks to initially contact me. 8. On XX/XX/XXXX, I contacted XXXX and requested they send me the documents supporting their claim. They forwarded an incomplete package, including only the signature page of the contract, not the contract in its entirety. That same day, I requested the complete contract and, to this date, have not received the entire document. 9. XXXX has since sent this matter to a collection agency, Cedar Financial, for resolution. I have requested the completed documentation package from them as well and have been unable to obtain it.
04/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30005	Web
Cedar XXXX has committed a myriad of violations of FDCPA regulations. Cedar XXXX first contacted me on XX/XX/XXXX regarding a purported balance at XXXX University. I had not been contacted regarding this balance until that point. I responded as such to Cedar 's representative on XX/XX/XXXX informing them that I had not received notice of this balance and asking for the amount purportedly owed. Cedar responded on XX/XX/XXXX that the outstanding balance was {$1200.00}. This is well beyond the 5-day requirement under the FDCPA. Furthermore, the FDCPA specifically requires a debt validation notice be provided within that time period ( 5 days ). As of XX/XX/XXXX, this still has not occurred. On first contact and within the first 30 days of outreach, Cedar did not inform me of my right to dispute the debt or my right to request detailed information regarding the debt such as a debt validation letter. In fact, Cedar has never done either of those two things. They also did not make me aware that they had purchased that debt from XXXX University or that they had legal right to pursue said debt. Concealment of this information, as well as their aforementioned duties under the FDCPA regulations, delayed discovery of these violations. To provide some background, I am an international student who attended XXXX University 's XXXX school in Fall of XXXX. At the end of the fall term, I withdrew from the university and no longer lived there afterwards. I never entered into a loan agreement of any kind with XXXX University and the entirety of my fees, tuition, room and board, etc. were paid through cash/e-check. On XX/XX/XXXX, I requested complete documentation regarding the exact amounts owed and for what purpose. On XX/XX/XXXX Cedar responded that they would produce an invoice, still not informing me of any of my rights to dispute said debt, clearly with the intent that the 30-day period would lapse. Eventually on XX/XX/XXXX, a statement of account was provided, but with limited and statutorily incomplete information. However, to date, no documentation regarding the purported liability for that balance beyond a simple account invoice was provided, no " loan '' contract or similar. No debt validation letter or similar disclosures were provided. During the time between XX/XX/XXXX and XX/XX/XXXX, when they had not provided any documentation to prove the debt, Cedar continued to attempt to make contact via phone. To avoid he-said, she said, I communicated with them exclusively via email. The repeated calls, emails, collection posting on credit, have caused significant emotional distress. It's so regular that it is obviously being done with the intent to annoy. The behavior of Cedar XXXX is at best unethical and as shown through attached documentation, in violation of prevailing statutes. We have attached documentation of communication with Cedar ( we've recent examples of their regular automated outreach for the sake of brevity ), screen shots some recent of incessant calls, and the documentation they've provided for review.
05/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19038	Web
Cedar Financial - " Putting People First '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX This letter is to confirm once again per my XX/XX/XXXX letter that the aforementioned debt was not incurred by me, it is not my personal responsibility, nor is it my personal debt. See attached copy of my previous letter. I did receive your XX/XX/XXXX letter which wrongly associates and fraudulently claims the above as my personal credit obligation and personal debt. Further confirming the shoddy methodology of Cedar Financial, and the inaccuracies in Cedar Financials threats and activities, is the third page of your letter of XX/XX/XXXX in which you wrongly sent me a copy of the dunning notice in behalf of another of your clients [ see PDF ] based in XXXX, California -- - a notice in which you are pursuing patient [ see PDF ]. The document you sent me includes the persons [ patients ] medical information, contact information and social security number. In wrongly sending me the document of one of your other clients and not the client whose debt you are claiming that I owe but which I do not owe and have no personal liability or responsibility. By sending me these documents that are relevant to another of your clients, your company, Cedar Financial Putting People First - along with your apparent client [ see PDF ] appears to have violated the HIPAA ( confidentiality regulations ) in the activity of your shoddy workmanship and shoddy collection activities. According to the The HIPAA Privacy Rule as published by the Health and Human Services Department of the United States Government https : //www.hhs.gov/hipaa/for-professionals/privacy/index.html The HIPAA Privacy Rule establishes national standards to protect individuals medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically. The Rule requires appropriate safeguards to protect the privacy of personal health information, and sets limits and conditions on the uses and disclosures that may be made of such information without patient authorization. The Rule also gives patients rights over their health information, including rights to examine and obtain a copy of their health records, and to request corrections. Cedar Financial and your client [ see PDF ] have evidently violated the HIPAA Privacy Rule by sending me the document, and evidently claiming that that debt for {$1400.00} claimed by the [ see PDF ] ( which I had never heard about and with which I have never been involved ) is somehow my personal debt, as you have claimed about your other client [ see PDF ] - - - and this needs to be reported to the Department of Health and Human Services, perhaps the Department of Justice and other relevant government authorities.
02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 38654	Web
On XX/XX/XXXX, Cedar Business Services alao doing business as Cedar Financial placed a collections account on all three of my credit reports for an alleged debt from XX/XX/XXXX from the Original creditor, XXXX. I did NOT make this purchase during that time. However I did make a purcahse with XXXX back in XX/XX/XXXX and I'm attaching the receipt so you can see that the purcahse that I made in XXXX of XXXX was definitely paid for. Now during this transaction that I did make in XXXX of XXXX there were several things that went wrong with the transaction. For starters, my card was charged twice for the one piece of furniture that I purcahsed which was a dining table set. I reached out to a Supervisor at XXXX and he assured me they would refund the charge because he seen where the account had indeed been charged twice for the one dining table set. They did refund my account for the second charge. Next, when the dining table set arrived the middle leg piece what the table sits on was broken. I again, reached out to XXXX and spoke with another supervisor who explained to me that they were sorry this happened and would send out the replacement piece at no charge to me. They did send out another middle leg piece for the table. This was the first and last time I've ever purchased anything from XXXX because of all the issues and me having to go through so much with them to get them to send out a replacement piece and for them to refund my account. I had to actually speak with a couple of supervisors because it took a while for the replacement piece to arrive. After this purcahse and debacle that I went through I have never dealt with XXXX again and have never heard anything else from them. Now years later, a collections company Cedar Business Services also doing business as Cedar Financial has placed an alleged collection account debt on my credit report saying I've made a purcahse from XXXX in the amount of {$590.00} on XXXX XXXX. I did NOT make this purchase and Have no idea as to what purcahse they are speaking of. The only thing that I can think of was the pircahse I made back in XXXX of XXXX amd all the mistakes that were made from my previous purcahse back in XX/XX/XXXX. I'm attaching a copy of the receipt where you will see where there were clearly two charges on my card and then you will also see where they refunded the second charge back to me. You will clearly see the one charge on my card where the purchase was indeed paid for. You will also see, where the replacement piece ( broken damaged middle leg was returned to them ). You will also see where they have something on there that says bad debt but this is untrue because you can see where they charged my card for the dining table set. I would like for the CFPB to have Cedar Business Services also known as Cedar Financial to remove this debt from my credit reports.
12/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 770XX	Web	Servicemember
I was notified by your company on XXXX regarding an alleged debt. I do not owe this debt because I possess successfully processed wire-transfer documentation from a financial institution to your client occurring in the 1st Calendar Quarter of 2019 that paid the debt in full. ( XXXX, Reference : XXXXXXXXXXXXXX Trace : XXXXXXX ) I request all of the following information be provided to me by Registered U.S. Postal Service mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation describing debt dispute procedures. 4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 5. Documentation showing you are licensed to collect debts in Texas. I request all of the following action be completed by your company and your client within 45 calendar days of receiving this letter : 1. Removal of my name and email address from any and all of your mailing lists. 2. Removal of this debt collection activity from any and all credit reporting agencies 3. Respond in writing apologizing for this fraudulent activity to me by Registered U.S. Postal Service mail. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Because I have documented proof that this debt was Paid-in-Full at a far previous date through an established financial institution, any action by your company or on behalf of your client to pursue collection will be considered a knowledgeable, willful and malicious scheme to defraud by attempting to collect a non-existent debt utilizing interstate communications through and effecting a financial institution. Your activities and those taken in concert with those of your client, constitute an on-going pattern of harassment that has taken place over a period of over 18 months and must stop immediately. I will use any and all legal means to ensure that the lawful penalties for the above-mentioned violations of United States Federal Code are enforced, to include allowable punitive damages. Legal-Liability Company status is nullified in cases of criminal activity. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification as described above, you will also be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37042	Web	Servicemember
My husband and I have both received texts and calls from a debt collection agency called Cedars Business Services , LLC. They call from number XXXX ( XXXX ) XXXX. They are saying that an amount of {$130.00} is owed by me ( XXXX XXXX ) to the company named XXXX XXXX, but we've never heard of this. My husband XXXX XXXX and they've a website at the domain XXXX which claims to be some kind of newsfeed collection and consolidation organization, that we could ascertain anyways. We're not really sure. Cedars Business Services , LLC claims that the account was opened up under a very old XXXX account that I haven't had access to in at least 7 or 8 years as I no longer have the password and have been unsuccessful in trying to regain access to the account. I believe the XXXX email account was taken over long ago. Cedars said the account originally owed {$35.00} about 4 years ago and for some reason now owes {$130.00}. However, this can't be possible since, as I mentioned earlier, until now, my husband and I have never heard of XXXX and I've no access to the XXXX account the alleged XXXX account was registered under. Cedars Business Services , LLC Reference code for this collection attempt is : XXXX I've told them that this is in error but they've contacted my husbands number and sent him several text messages. So far, it seems that the only identifying information Cedar 's has about me is my first and last name, my husband 's and my phone numbers, which we've both had for at least 10 years, and this old email address. They don't have any other information and we're not going to provide them any other information about us they don't already have as we believe this to be a scam by usenetnl, or simply fraud by an unknown party. Lastly, other research into usenetnl found that many people who have tried to use usenetnl found that the services they claim to provide are bogus and they are unfairly representing the services they provide on their website to attract unknowing patrons and subscription services. Quite simply, those that have used it, claim it is a scam and have warned others not to sign up for this. This along with the fact that usenetnl is not a well known brand in the US, is another reason that leads us to believe this is a fraudulent collection attempt by XXXX via Cedars Business Services , LLC. Known Scam Link 1 : https : XXXX Known Scam Link 2 : XXXX XXXX XXXX Known Scam Link 3 : XXXX : XXXX
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14150	Web
Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..
11/08/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 10303	Web
I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. Kind regards, XXXX XXXX
06/21/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60645	Web
Via XXXX, I booked a room at XXXX XXXX in XXXX XXXX, CA for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, I received an invoice from XXXX XXXX indicating that I owed {$130.00} for a damaged towel ( {$85.00} for towel and {$50.00} on cleaning fees. As a note, this motel is completely self check-in and self check-out. The bathrooms are communal and include towels and washcloths guests are allowed to use indiscriminately. ) I immediately responded by disputing the claim and asking for evidence. I never received a response from XXXX XXXX. On or around XX/XX/XXXX, I received a debt collection notice from Cedar Financial, indicating that I had a XXXX outstanding debt ( including late fees ). I immediately called Cedar Financial and explained the situation to them, once again disputing the charge. The representative ( XXXX XXXX ) indicated that he would follow up with XXXX XXXX for additional information and evidence, since no one answered the phone at the facility. As a note, I also contacted my credit card company to block any attempt at collection. The credit card company attempted to contact XXXX XXXX, also with no success. Thereafter, on XX/XX/XXXX, I also contacted the XXXX XXXX XXXX in the hopes they could intervene. The XXXX ( representative XXXX ) attempted to contact XXXX XXXX up through XX/XX/XXXX, at which time I received an email indicating a lack of success in contacting XXXX XXXX. Today, XX/XX/XXXX, I received additional correspondence from Cedar Financial, which suggests that I still owe {$130.00}. I immediately called Cedar Financial and, since representative XXXX was busy, I spoke with another collections agent. I explained to him the combined efforts of the XXXX and myself to contact XXXX XXXX. I also advised him that I never received follow up correspondence from Cedar Financial as to my original request for evidence. He responded that they had forwarded me correspondence on XX/XX/XXXX, which refers to the first time I received a notice from them. When I asked about evidence, the response was somewhat vague, with the agent suggesting something about " terms and conditions. '' As to proof or evidence of damage, he also insinuated that XXXX XXXX would not have taken any photos. Each of these calsd are supposed to be recorded, as a note. The agent assured me that he would follow up with XXXX XXXX once more.
09/02/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA 30043	Web	Servicemember
To whom it may concern, I have reached out to this company, Cedar Financial or Cedar Business, several times to remove this debt from my credit report. A balance is still showing in a collections status. I made a payment to XXXX XXXX in the amount of {$3500.00} on XX/XX/XXXX. Please see attachments below. For some reason this company is still attempting to collect this payment that has already been made to my institution. In the beginning of XXXX, I began my XXXX XXXX at XXXXXXXX University. I was heavily affected by the pandemic, and due to some health complications I was not able to continue with my courses at XXXX. My university sent me an email notifying me of an unpaid balance of {$3500.00}. They also stated the account should be paid by XX/XX/XXXX. As you can see, I made the payment and received a receipt from the finance department. I assumed that everything was resolved from there. A few months ago, I received a notification from my credit monitoring service of a collections account from Cedar Financial. Upon further research, I realized the debt is in connections with a balance due from XXXX University. Again, with no avail I have reached out to Cedar Financial several times. I have also requested the credit bureaus to validate this debt and remove it from credit report. I have yet to receive any documentation regarding this account. I even reached out to my bank to provide bank statements from last year to ensure the payment went through successfully. I have my bank statement from XX/XX/XXXX available if you need to see it. It also shows that payment made to XXXX University. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, is violating my rights. - 15 U.S.C 1681 section 602 A. States I have the right to privacy. - 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Not only is this completely unfair and unjust, again this is in direction violation of the laws that protect me as a consumer. I am requesting that this account be deleted from my credit report immediately. I understand there was some sort of mistake made ; I am simply requesting this account to be removed from my credit report. Please help me resolve this urgent matter. Thank you kindly, XXXX XXXX
02/09/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 27407	Web
I received an email from CEDARS Business Services on Friday, XXXX, XXXX at XXXX PM EST. In the email, Account Manager, XXXX XXXX, states that I have a past due balance of {$30000.00} from XXXX XXXX XXXX which is located in the XXXX XXXX. The account manager is assuming that I knew the account was in collection and that they had sent me other emails about this fraudulent account. First, of all, this is the first email that I received from them. Second of all, I never took out a loan for any money with this bank or any other and left the XXXX with XXXX balance with my XXXX XXXX XXXX account. I have the last statement from this bank dated XX/XX/XXXX. It states all the transactions that have been carried forward and it states XXXX balance. I wasn't able to close the account before I left but the last information I have clearly states that I owe the bank nothing. I believe that someone else has either committed fraud or used my name in identity theft because I have no knowledge or responsibility for the debt they say I owe and are attempting to collect. I have asked them to stop all communication with me and with this email, address or otherwise and I have recorded a dispute with XXXX. XXXX removed the hard inquiry that they had recorded on my credit report as of XX/XX/XXXX. My statement is that when I left the XXXX as an XXXX in XXXX in XXXX, I had not taken out a loan at all and had no outstanding debt. This company has not provided a debt validation letter ; just, a file # XXXX and a balance of {$30000.00} which is completely erroneous and implies that someone has been using my name or credit without my knowledge which is considered either fraud or identity theft. The email I was sent is from XXXX and does not have an letterhead address from the company on it which I found strange even though XXXX business service is listed in XXXX as a registered debt collection agency. I did XXXX their address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, California ) and I plan to follow up within the 30 day period from when I received the email stating what I just told you and request that they do not contact me about the referenced debt, in compliance with the Fair Debt Collection Practices Act. I dispute having any obligation for this debt and have NO knowledge of it.
01/01/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33411	Web	Servicemember
On XXXX, XX/XX/XXXX, I received an email from a company identified as Cedar Business Services, LLC ( CBS ) stating they wanted to " help me ( sic ) with a past due payment of {$180000.00} with XXXX XXXX ( XXXX ). As you know, this amount is in collections. '' I immediately responded with a certified letter, asking for more details because I did not recognize the debt and CBS was a 3rd party handling the collections. I requested CBS to provide specific and basic information for Debt Validation, such as 1 ) assignment from the original creditor XXXX to CBS, 2 ) the original debt and full breakdown, 3 ) any payments made, 4 ) any payments made by credit card insurance ( if any ), 5 ) the date of charge off, 6 ) the currency exchange from XXXX XXXX XXXX XXXX XXXX to US dollars USD, etc. I also asked that CBS give these details in a timely manner and provided them a 30-day courtesy period. CBS responded 36-days after receipt ( verified by post marks & certified receipts ), with a letter that did not address any of the Debt Validation questions, they only reasserted that they were working on behalf of their Client for special handling. They provided phone numbers for me to contact them and a summarized breakdown of the balance owned in USD even though their client ( XXXX ) is a foreign entity. CBS failed to provide the monetary conversion or explain how they reached the USD amount. As well, within the breakdown, CBS identified the total debt was a Principal balance, with no interest, fees, legal fees, or other amounts paid. Attached with the CBS letter were 3-credit card statements from XXXX dating from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each statement was only in AED and each statement clearly had the debt increasing due to assessments, fees and finance charges. The statements also showed that these charges exponentially grew. I only acknowledge that I lived in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and I do not recognize this debt and I will not acknowledge any 3rd party entity that doesn't provide basic Debt Validation verification. Also, because CBS is a XXXX debt collection company, coupled with the dates I left XXXX, I believe CBS does not have any standing based on XXXX XXXX 4-year Statute of Limitations on open-ended accounts.
08/29/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 274XX	Web
I am XXXX XXXX of University XXXX XXXX XXXX, XXXX XXXX XXXX. During this summer, I tried to do internship to enhance my knowledge on the subject. I applied in a dozen institutions for scholarship or paid internship but could not be that lucky. One day I got an information about the internship option at XXXX XXXX ( US : XXXX ( XXXX ) XXXX ) and contacted them for the internship opportunity in various parts in the country and abroad. After selection process they asked me to go to XXXX with XXXX ( XXXX? ) for the internship. After few days had passed, I didnt get any follow up with them regarding VISA for XXXX because I still have Passport from XXXX ( I am XXXX XXXX in the USA and eligible for applying XXXX in next XXXX ). During this time, I consulted with my father who was out of country for an important work and explained the situation. He recommended me not to go further with XXXX XXXX because they do not have experiences sending students abroad because they never talk about VISA. I also came to know that getting XXXX VISA for XXXX Passport is not easy and I had to apply two months in advance. At the same time, I was also not feeling well due to unnecessary pressure of internship. Finally, I sent an e-mail to the organizer saying that I am not going for the internship due to my medical reason and asked me to return by advance payment of USD XXXX. Instead of returning my money, they forced me to pay internship expenses of USD XXXX. Three weeks back, I got a call from phone number XXXX ( XXXX ) XXXX. I also received letter of dated XX/XX/2019 from Cedars Business Services ( it seems from the letter that this is debt collector ) for the money again last week. I felt really bad about it and decided to request your help to refund the money I paid in advance. They have also started calling my father for this issue and he has been mentally disturbed because he did not do anything except his advice to me regarding the internship. It would be highly appreciated ; if could give your expertise advise. Your action to save me this unnecessary hassle will help me to pursue higher education for building a strong nation. If you have any question, need further clarification, I will be available to meet you in your convenience time.
03/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	ME 041XX	Web
In late XXXX, my XXXX Visa card was compromised. In mid XXXX, I noticed 4 transactions for XXXX, totaling a bit more than {$4000.00} on the card. These were not purchases made by me. I contacted XXXX XXXX XXXXXXXX, who researched the issue, and, approximately 60 days later, issued me a credit for the fraudulent transactions. I considered the matter closed. In early XXXX, I began to receive phone calls from Cedars Business Services, a debt collection agency. They would call 3-4 times per day. I initially regarded the calls as " spam '' communications, but, after a discussion with one of their representatives, learned that XXXX was attempting to recover payment for one or more of the Fraudulent transactions from me. I attempted to tell XXXX that these transactions were fraudulent, but, they had no documentation that this was the case. I attempted to report the issue to the police, but, since I received refunds for the transactions, I was not regarded as the victim of a crime. I attempted to secure documentation of the fraud from XXXX, an onerous process that took several weeks, and finally resulted in some vague, general documentation that I had submitted a fraud claim. I provided this documentation to XXXX on XX/XX/XXXX, requesting that they " call off '' their debt collectors, and issue me a letter confirming that these transactions were fraudulent. I am writing the CFPB for several reasons : 1. To raise the issue that identity theft is difficult for individual consumers to react and respond to in the absence of documentation that the theft has occurred. 2. To say that, from my experience, neither VISA, nor XXXX, has any clear policy or procedure to issue a simple notification that one has been the victim of fraud. 3. That XXXX, the vendor in question, appears not to have any clear policy or procedure for dealing with victims of identify theft and/or fraud. 4. That the issuance of a clear, unambiguous statement that specific transactions have been determined to be fraudulent should be a right afforded to consumers. 5. That companies should have clear policies and procedures that permit the victims of fraud or identify theft to dispute charges.
01/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 02127	Web
On XX/XX/XXXX I received a phone call from XXXX at Cedars Business Services. He was claiming that I received a traffic violation in XXXX XXXX back in XX/XX/XXXX that I never paid. I was quite confused as I have never received any correspondence from XXXX nor Cedars prior to this phone call and my trip was almost a year an half ago. I asked for documentation supporting this claim and XXXX emailed me paperwork from XXXX which states I received a violation for driving in a restricted traffic zone without authorization. I was in XXXX XXXX for only a few hours visiting the XXXX XXXX XXXX XXXX and made sure to follow the rules and not enter any restricted zones. I also never received any ticket on my car or in the mail from XXXX. I did not know of any ticket until I received the call from XXXX on XX/XX/XXXX. He is asking to collect {$470.00} on a ticket that initially was for {$110.00} ( euros ). The additional charges were late fees accumulated on the account. I explained that I did not receive any correspondence relating to this ticket and had no opportunity to appeal and/or pay the ticket. XXXX told me that he has no ability to reduce the ticket and if I do not pay they will have to send it back to XXXX and they will hire legal representation. I asked if I could call XXXX to explain my situation and he told me they would not help me. Remaining hopeful, on XX/XX/XXXX, I reached out to XXXX to explain my situation and they told me that they could not help me as the matter was now with a debt collector. They recommended that I explain the situation to the debt collector and that they will be able resolve it. I feel helpless in this situation as I would never ignore a violation intentionally. I have never dealt with a debt collector in the past and am unclear if their practice is to scare us into paying this violation, especially with the significant amount of fees tacked on to the cost. I am hoping you can help me resolve this matter as this has caused a lot of stress due to the significant amount and the debt collectors practice of not listing or working with me. I appreciate your time and consideration.
05/22/2015	Yes	Credit card	Credit card protection / Debt protection	XXXXX	Web
Please be informed that I, XXXX XXXX XXXX XXXX, was residing in XXXX as an expatriate resident during the period XXXX, during which I was holding a Bank Account under my name with XXXX including a Credit Card. In XXXX, I EXITED the country in XXXX and since then have been residing in XXXX and then in XXXX till date. I have received an information on XXXX XXXX XXXX from a company CEDAR FINANCIALS- from one XXXX XXXX XXXX ( email copy enclosed ) who is claiming that I owe the XXXX {$600.00} pertaining to Outstanding Debt relating to a CREDIT CARD that i held with XXXX way back in XXXX? I would like to mention that on XXXX XXXX XXXX itself I have asked the claimant to provide me an OFFICIAL STATEMENT of ACCOUNT and am willing to settle this amount provided this is a rightful due.?? Further I have also requested them to provide me an Authority Letter in addition to the above by the Bank Authorizing CEDAR to collect the subject outstanding. They have provided me a xerox copy dated XXXX, however and IMPORTANTLY have NOT provided me a copy of my account statement / other evidences to support this claim.??? Finally on XXXX XXXX, I have received another email from CEDAR with a final date of XXXX XXXX XXXX for settlement failing which they are threatening of further legal consequences as below ; 1 ) Legal proceedings in your present country 2 ) Travel ban for anything up to 10 years 3 ) Interest/fee charges elevation due to the time period My complaint & grievance as a EX- CUSTOMER of XXXX is that how come such a reputed bank such as XXXX could resort to appointment of such agencies who do not work purely on business ethics and logic rather than report to other 'COERCIVE ' means that literally amount to ' XXXX HARASSMENT ' of customers without giving any supporting evidence or other document to support such claims.? OR Alternately if this is a scam then it ought to be dealt with by relevant authorities in order to stop this company /representative from harassing me. Kindly review this with utmost urgency and clarify ;
05/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98034	Web	Servicemember
Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.
10/25/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37167	Web	Servicemember
On XXXX I set up payment arrangements to pay Cedar Financial for a debt I had accrued with XXXX University. It was imperative that I get this done because I am enrolled in XXXX University and I can not attend the school have have a debt in collections at the school. I spoke with a representative at Cedar Financial. In which I wanted to arrange to pay {$50.00} a month. He told me that that would was not a significant enough amount. He asked what was my gross income. Then he asked how much was my rent car note and other household expenses. He calculated what I had told him and then told me that i had 600+ dollars remaining and told me I needed to pay more. I told him I did not have it and that I would like to keep the {$50.00} a month payment arrangement. We scheduled the one time payment and gave me a website that I could go to pay online moving forward. Cedar then contacted the school and told them that my payment did not go through and that payment arrangements were not set up and stated that we had a " verbal agreement '' On XX/XX/2019 knowing that my payment has come due again. I went online to make the ONE time payment. Cedar financial took 2 payments instead. I contacted my " account manager '' by phone 7 times no response. I contacted Cedar finacial directly they forwarded my calls back to the " account manager '' No answer. I called back again and spoke with another representative who told me that when You make an online payment they will post the payment twice. I told him that was unacceptable I only authorized one payment and that I would like to have my money refunded back to me. He then put me on hold to contact the billing department and stated that the money would be refunded. I asked for a confirmation email to show that the money was going to be returned. He stated that he would send it over in 5 mins. The money was not returned in fact the payments posted the next day and I never got a confirmation email The
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 723XX	Web
XXXX, XXXX and Cedars Business Service has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited.Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. They have violated rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on an account; failing to delete inaccurate, derogatory information from credit reporting legal obligations and negative reporting. I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Because defendants like this and XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my report and by misreporting and failing to delete inaccurate information on my report, thus damaging my ability to open a bank account etc.
11/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30316	Web
I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members
08/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98033	Web
Cedars Business Services sent me a notice to collect a debt on Behalf of the XXXXXXXX XXXX XXXXXXXX ( XXXX ). After reviewing the information, I ascertained that the original debt had not been noticed within the deadlines for notification and was therefore not collectible. When I attempted to get Cedars representatives ( 2, including a supervisor ) to confirm that the letter they sent me confirmed this fact ( both the date the deadline began ( XXXXXXXX ) and the date of first notices ( XX/XX/XXXX + XX/XX/XXXXXXXX ) were written on their letter, they refused to read the letter over the recorded line and to confirm that the debt was not collectible. I finally ended the call after trying to talk sense into someone who was clearly in the wrong and had no interest in the unfortunate facts. They were in my opinion very rude and abusive as I tried to call and handle this amicably. The first I am hearing about this is almost 40 months after the violation.. that doesn't seem right and I am glad I investigated. The letter from Cedars included both a notice with login information to pay the fine and information about previous reminders that had been sent by the XXXX XXXX XXXXXXXX, along with a copy of the Fine/Violation. The Violation notes that Article 201, paragraph 1 of the Traffic Code and art.386 of the Traffic Code Regulation govern the deadlines for notification - which clearly state that the notice must be sent to violators living outside of XXXX within 360 days. The Cedars letter confirms XXXX sent notices more than 13-months later in early XXXX The individuals I spoke to, including a supervisor- continually transferred me around and tried to obfuscate the facts instead of simply reading to me the facts that Cedars had already sent to me in their letter, which demonstrated to me that the debt had not been appropriately noticed and therefore was not collectible.
11/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91344	Web
Cedars Business Services , LLC XXXX XXXX XXXX XXXX owed : {$900.00} or {$1200.00}? Not sure what the amount is. It keeps changing. Five years for the bill has passed, and XXXX XXXX sold this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. XX/XX/2022, I requested the following information : Validation of Debt and a signed HIPAA form ( Health Insurance Portability and Accountability Act ). They did not provide a signed HIPAA release form, giving their company permission to not only receive, but to disseminate my information. In doing so, they are in violation of my rights under the HIPAA Law. I do not know why Im being charged. I have the right to written confirmation of the specific debt as well as the right to dispute it under the federal Fair Debt Collection Practices Act. I have a right to receive that information and request it in writing and review all the charges. Cedars Business Services , LLC did not : - Provide a breakdown of fees including all collection costs and medical charges or an itemized bill with a description of every single charge. They did not provide specific services received and the charges assigned to those services. -I requested an original invoice and receipt with my signature- They did not provide a copy of my signature with the provider of service to release my medical information. -Five years for the bill has passed, and XXXX XXXX XXXX this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. I am demanding a cease on the collection of the following amount owed. 1. {$900.00} or {$1200.00} for an unknown service
09/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92651	Web
I made a " validation of debt '' request via a recorded phone call to XXXX to " Cedars Business Services '' on XX/XX/XXXX at XXXXXXXX XXXX PT. I called after receiving an email from " Cedars Business Services '' on XX/XX/XXXX about a debt from XXXX I did not recognize. This call was recorded, and I was told that this debt would be placed on " hold '' and I would receive validation of debt via email. I NEVER received the validation of debt. Per California consumer protection laws, this validation of debt had to be provided within five ( 5 ) days. On XX/XX/XXXX 100+ days from the initial validation of debt request that was never sent to me I received an email alert from XXXX that my credit score had been affected by debt collection. Furious, I called another phone number registered to " Cedars Business Services '' at XXXX at XXXX XXXX PT and asked why I had not received the validation of debt within the required timeframe and " Cedars Business Services '' had illegally submitted debt collection to my credit report. I received no clear answer. Once again, this call was recorded. This is well past the five ( 5 ) day legal requirement of validation of debt. Upon requesting the validation of debt once again, I still have not received it. As the laws indicate, " Cedars Business Services '' has violated consumer protections for two reasons : 1 ) Upon initial request on XX/XX/XXXX, they did not send the validation of debt within five ( 5 ) days ; 2 ) As mentioned in a recorded call with a representative of " Cedars Business Services '' on the aforementioned date of XX/XX/XXXX, the organization at " Cedars Business Services '' had illegally put debt collection on my credit report despite never sending validation of debt as promised over email.
09/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91423	Web	Older American
I am in receipt of my most recent credit reporting from XXXX and XXXX Credit Reporting Agencies ( Agencies ), dated XX/XX/2022. Upon perusal, I note that both agencies have reported a new third-party debtor, Cedars Business Services , LLC., erroneously naming me as a debtor to this creditor, XXXX XXXX Orthopedic Surgery without sufficient documentation as proof before listing an your name on an inaccurate creditor on my credit report, in the amount of {$4100.00}. This reporting is in complete violation of the FDCPA and has fraudulently violated my rights and the law to report erroneous information as to my, inaccurate dates with an amount due. The debt is not mine and this reporting further violates my rights as follows : 1. 1692 ( g ) For failure to send the consumer a 30-day validation notice within five days of the initial communication. 2. 1692 g ( a ) ( 3 ) Failure to allow consumer to state Right to Dispute within 30 Days. 3. 692 g ( b ) Failure to cease collection efforts until debt is validated. 4. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. 5. 1692 e ( 11 ) Failure to communicate fail the mini-XXXX warning : This is an attempt to collect debt.communications from debt collector. After viewing a copy of my credit report, I noticed a collection account placed on my credit report on XX/XX/2022. Under the ( FDCPA ), I have the right to requests validation of the debt the third-party says that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt to this third party.
04/15/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 060XX	Web	Older American, Servicemember
Cedars Business Services is attempting to collect on a fraudulent XXXX debt. XXXX placed a duplicate order ( XXXX ) for 3 items I purchased a day prior. The items I actually did order and receive are as follows. Order # 's, dollar amounts, purchased items, and delivery dates are as follows. XXXX {$910.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX Delivered XX/XX/XXXX XXXX {$120.00} XXXX XXXX Delivered XX/XX/XXXX XXXX {$110.00} XXXX XXXX $ XXXX XXXX Delivered XX/XX/XXXX I have the following items shown paid by XXXX XXXX and owe nothing. Someone at XXXX duplicated the order and said it was delivered and not paid. Why XXXX year later am I receiving a collection letter dated XX/XX/XXXX. This was clearly an error on XXXX. I wish I was able to email/speak with someone in the finance department XXXX I hope you can at least forward our communication with them to clear up the matter. XXXX finance dpt will not speak to consumers. Everything is left up to me to dispute with the collection agency. I've attached photos of the XXXX XXXXXXXX XXXX transaction history for the items I purchased and the collection letter. I've also attached a screenshot of an email from a rep at wayfair. They did not admit they made an error but they did acknowledge one of the duplicated items was lost in transit. When I sent this to the collection agency they would not lower the charges. Although I did not place this duplicated order I was willing to pay the lesser amount of {$110.00} to make it go away. Still the agency would not help resolve the matter or work with me. This has been very frustrating to me as my credit is in very good standing. Again I'd just want to thank you so much for your assistance in trying to resolve this matter. Sincerely, XXXX
06/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 774XX	Web	Servicemember
From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX that started after I left XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX for taxes paid on my behalf while working in the XXXX for XXXX. I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent. I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply. I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply. In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX on my behalf to answer my questions from XX/XX/XXXX. Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )? 2. What rights do I have in this situation? 3. Will you interceded on my behalf and ask XXXX to answer my questions from XX/XX/XXXX? Regards, XXXX XXXX
02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20854	Web
I was originally contacted by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, OR XXXX ) on XXXX XXXX concerning a traffic violation in XXXX, XXXX on XXXX XXXX. I wrote them on XX/XX/XXXX that I was disputing the debt under the Fair Debt Collections Practices Act as I was in the United States, not XXXX, on XX/XX/XXXX. I was then informed that there were 6 tickets, 4 on XX/XX/XXXX and 2 on XX/XX/XXXX. In response I requested in a XXXX XXXX that they ask the XXXX authorities to waive the 4 XX/XX/XXXX tickets as I was not in XXXX at that time and to waive the late penalties on the XXXX XXXX tickets as I was not given the opportunity to pay them earlier. As evidence I provided my flight info showing I was not in XXXX on XX/XX/XXXX and a letter from XXXX rent-a-car indicating my rental commenced on XX/XX/XXXX. I never heard back from XXXX XXXX after that. On XX/XX/XXXX I was texted by Cedar Business Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX CA XXXX. Requesting payment on the above mentioned 6 tickets. On XX/XX/XXXX I called and spoke to XXXX XXXX at Cedar and explained I was not in XXXX and not responsible for the 4 tickets from XX/XX/XXXX but went ahead and paid the two XX/XX/XXXX tickets, which now had even larger late fees. I also emailed XXXX XXXX the flight and rent-a-car info referenced above as evidence I was not in XXXX or responsible for the XX/XX/XXXX tickets. Despite paying the XX/XX/XXXX tickets and providing evidence I was not responsible for the XX/XX/XXXX tickets Cedar Business Services continued to text me on XX/XX/XXXX and XX/XX/XXXX requesting payment for the XX/XX/XXXX tickets even though they were provided with documentary evidence on XX/XX/XXXX.
08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11787	Web
On XX/XX/XXXX my husband and I celebrated our honeymoon in XXXX ( XXXX and XXXX ) for Two days into our arrival in XXXX. We were robbed. Money as well as an electronic device ( iPad ) which consisted of personal information, were stolen. Along with many other articles. We traveled to XXXX from XXXX. By rental car.The agency I rented from, took my credit card information and passport information to keep on record. When we returned home XX/XX/XXXX with in a few weeks XXXX receipts for XXXX paid traffic violations were paid by automatic payment charged to my XXXX XXXX card from the rental car agency. I did not dispute the charges. Totaling in about {$700.00} American dollars. Today XX/XX/XXXX, I receive XXXX bills from a collection agency. Which is servicing for " XXXX XXXX XXXX XXXX XXXX. The addressed envlope was sent via regular mail. Delivered to my home it was in the correct name but not the correct address. XXXX separate bills with the same amount totaling to {$320.00}. The company Cedar Financial that sent these bills to me was promptly called by myself.I have never received anything in the past 2 years stated I owed XXXX separate amounts of {$320.00}. I spoke with XXXX separate people. XXXX in which was speaking as if they were a robot. Asking more then 3 times for payment information. Stating they accepted all major credit cards or check. I asked to speak to a supervisor.I was transferred to a gentleman. Who stated if I do not make payment today, my credit would be in jeopardy. As and wages I make will be garnished.In all of my years of being a credit holder I have always had impeccable credit.
09/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92592	Web
Large group went to XXXX THREE YEARS AGO. Now, just now, all 4 of the drivers ( each with own rental car ) gets a notice of a traffic violation? Say -- when do records of car rentals go public in XXXX? Is it after 3 years, per chance? And, none of us did anything to make us think we'd violated ANY traffic laws there. Hmm ... And now, not just a notice, but a notice that we're IN COLLECTIONS, so ( a ) our credit ratings ' necks are all on the chopping block, and ( b ) it's XXXX, and 3 years ago, so we're going to contest this how? Cedars Business Services , LLC wants me to cough up upwards of {$400.00}, just like that. Or else what? -- they trash my credit rating? Talk about easy pickin 's! They have no proof ( in part because I violated NO TRAFFIC LAWS ) ; I can't reasonably fight it because it's XXXX and I'm here ( in America ), and it's 3 years ago ; AND, I have no idea who these people ( Cedars Business Services , LLC ) actually are nor what authority they have to collect on an unproven supposed debt from a foreign country XXXX miles away as the crow flies. And, when you call them, it's a guy with an XXXX accent. And, their bill is TOO LARGE for the return envelope they include. It's a glut of suspiciousness! CAN they ding my credit? On what grounds? On what authority? If I send them my {$400.00}, who gets it? Where does it go? ; XXXX? Show me, 'cause I never got ANYTHING about this shakedown " violation '' from ANYONE but them, and certainly not from XXXX. They need to be INVESTIGATED, and if my credit gets TOUCHED by these people, I WILL fight it by whatever legal means I can come up with.
07/23/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30316	Web
During my time in XXXX XXXX, the company I worked for forced its employees to take out loans for housing. Unfortunately, the workplace was abusive and I quit to move back to the States. The loan company there sent the loan to a collection agency in the states. After speaking with the collection agency here, I told them I was n't working. They continued to call me. Recently, they called my daughter. I have no idea how they got her numbers, but I called the collection agency and told them to stop calling me and my daughter. When I spoke to the collection agency, they said they had no record of me or my daughter. Recently, my daughter told me they called my mother. I told them more than once I was forced to take out the loan and they need to speak the with company that forced me to do so because I 'm not responsible for the loan, the company that forced me is responsible. They continue to harass me. When they call now the number comes up on my caller ID as unknown. They call sometime two or three times a week or more. They have called my daughter twice and my mother once. When they called my daughter and mother the number on the caller ID came up as unknown too. If they do n't have a record of me, why are they continually calling and harassing me? Their employees tried to bully me : one employee suggested I take out loans to pay this loan, borrow money from family, and go back to an old job from about ten years ago while asking me what I planned to do about this loan. I reiterated the loan was the problem of the company who forced me to take out the loan and that 's who they need to speak with.
07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70001	Web
Purchased a mirror from XXXX. It arrived damaged. I reported it on the XXXX app. It told me to add pictures of the damaged item ( and to my knowledge after the fact I uploaded the wrong picture of another mirror ) nevertheless the system generated a refund and told me to donate or dispose of the item. Almost 4 months after, im contacted by XXXX stating they are reversing the charge because pictures didnt depict damage & then threatened to call the police on me for submitting a fraudulent delivery issue, solely based on the wrong pictures provided. Card they kept trying to charge had new expiration date and wouldnt go through on XXXX end. They submitted to debt collector. I disputed with debt collector, debt collector is telling me same thing XXXX is and unless I can return the item ( which was thrown away due to broken glass ) or send them the pictures of damage ( which after 4 months and being refunded immediately I deleted the picture ) then I am still responsible for this charge and have to pay it. XXXX should of noticed this within 30 days of refund given and not 4 months later and still expect me to be liable for a damaged item. Its XXXX system that refunded me. Change the system and dont offer refunds so easily and then tell a customer to donate or dispose of the item. Even if I had uploaded the correct picture the system still would of told me to dispose of the item. I even offered for them to send a police officer into my home to see if the item was here, because it is not and that wasnt sufficient enough for them.
11/03/2015	No	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	GA 30096	Web
I received a statement from Cedar Financial for an outstanding balance owed to XXXX University. The original amount was {$1700.00}. I set up payments and have paid on-time. As of XXXX XXXX, 2015 the balance was {$1500.00}. Then I received a letter dated XXXX/XXXX/2015 stating the balance was {$670.00}. I contacted the account manager, who stated the letter was incorrect and the balance was {$1000.00}. As of today XXXX XXXX/XXXX/2015 XXXX, I have paid {$870.00} towards the balance ; however Cedar Financial states I owe {$1000.00}. They are claiming I owe a {$25.00} return check fee. Today, I received an email from the account manager stating my total payments as of XXXX/XXXX/2015 are {$820.00} and not {$870.00} XXXX which I have a record of ). They also stated I can settle the loan with XXXX University for {$660.00}. When I contacted XXXX, they stated the unpaid debt was bought by Cedar Financial and they control the settlement offers. The XXXX representative stated they have no more interaction with account due to Cedar Financial purchasing the bad debt. I am concerned that the collection company is not only trying to collect the wrong amount but also presenting misleading information. I was also able to print my statement from the university which shows the original amount was {$1500.00}, therefore, I am not sure where the other {$200.00} derives from. In addition, I have attempted to negotiate a settlement on this account twice no avail. I am attaching all emails and letters to support my issue.
10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43202	Web
XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.
04/09/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32757	Web
On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as Cedar Business Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX purchase. I telephoned XXXX, with the agent from Cedar Business Services ( hereafter referred to as Cedar ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at Cedar telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by XXXX XXXX, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. It is seems rather obvious that XXXX XXXX must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. Your help would be greatly appreciated.
09/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27407	Web
I purchased with a XXXX debt a table with XXXX online, delivery date of XX/XX/XXXX. Received an email stating the delivery was postponed until XXXX. Next was a new date of XXXX and I decided to cancel which I did by speaking to Ms. XXXX XXXX and Ms. XXXX XXXX. Because of the delay, I requested XXXX to refund my money because of the timing and XXXX several delays. They honored my request and indicated that to XXXX XXXX and the matter was resolved. Several months later, with no notification, Cedar Financial placed a derogatory debt collection on my credit report on XX/XX/XXXX. I called XXXX According dept and they indicated that its impossible because they only deal with their credit cards. I dont have an XXXX or XXXX Card. I used my XXXX debt. You cant order online without a card. In addition, the product was never delivered and never left the companys docks. My new delivery date was in XX/XX/XXXX. I ended by a table off XXXX because the holidays were approaching. I could not host my family in my new house for XXXX. I was clearly upset over the delays. Now, Im extremely upset over the false reporting on my credit report. I have emailed letters indicating such facts. XXXX and I seldom spoke over the phone, most through emails. Order # XXXX was not delivered at all. Thank you. XXXX XXXX PS : I can send the emails to another email but Ill have to take snapshots of the emails. Im not tech wise!
02/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 398XX	Web
I attended XXXX University XXXX XXXX until XXXX XXXX, Not sure if that is this correct date because I have n't received any paperwork from the and I was locked out of my account so I could n't get any information back then. The reason I stopped going there is because I took a class and pass that class. I saw the passing grade at the end of the course but when the grades was posted it displayed a failing grade. I talked with my Advisor who instructed me to talk with the teacher but she never responded to me. So after months of trying to get my grade changed I decided to stop going there. My complaint is I received a refund from my Direct subsidized and Unsubsidized student loan but when I stop attending the school I was notified that I owe them because the school claimed they sent the money back to XXXX but I received a statement from XXXX with the amount of my loans and to pay XXXX. I called XXXX several times trying to inform them that XXXX stated no money was return back to them. I then called the XXXX and they stated that money do n't return to them. I called XXXX U back to inform them of this information and I only got attitude from them so I did n't called back. My complaint is how is it that the schools are saying they are giving the money but I received statements from XXXX stating the total amount of my student loan which matched what I received.
01/25/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 904XX	Web
I paid for my stay with XXXX with my XXXX XXXX card. The service was not as described the unit did not have air conditioning so after trying to resolve the matter with the merchant and get a refund to no avail, I had to file a chargeback with XXXX. This is when XXXX sent my account to collections while the chargeback investigation was ongoing. The Debt collection agency Cedars Business Services sent the validation letter to the XXXX apartment address on XX/XX/XXXX, knowing they I did not occupy this address any longer as I had moved out. This was even after I had sent them via email on XX/XX/XXXX explaining my new address. Fortunately I knew enough about credit protection laws to dispute the debt without the validation letter. However, this was intentionally misleading behavior from both XXXX and Cedars Business Services. The XXXX chargeback did not reverse the payment ; I have already paid the debt. So now XXXX is trying to double collect that money from me, while also engaging in questionable debt collection tactics. This is anti-consumer behavior : XXXX is breaking the Fair Credit Billing Act, which states that while a chargeback investigation is ongoing, the issuer XXXX not attempt to collect the disputed amount or treat it as delinquent. The company is intentionally intimidating me not to exercise my chargeback right as a consumer.
11/24/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 806XX	Web
Was in XXXX XXXX in XX/XX/XXXX with a car rental. Must have gotten a parking violation while I was there as I got an email from this Cedar Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX stating so. They sent the documentation from the City of XXXX and the dates match the time that I was there. My complaint is that XX/XX/XXXX is the first date that I received any notification of this violation which was from XXXX and not the City of XXXX. On the ticket itself it states that if paid within 5 days it would be XXXX euros which I missed as I was trying to get an explanation of the citation and dealing with XXXX. XXXX is claiming that I owe them {$470.00} and has been relentless in continuing to send emails telling me that it was going on my credit report and that since the ticket was from XXXX that US laws do not apply. I explained that this was my first notice but was told that I have no recourse to dispute. I even contacted an attorney who sent them a letter which they have ignored. The next deadline was 60 days and XXXX euros so I sent XXXX a check for {$160.00} figuring in the exchange rate on XX/XX/XXXX. Still getting emails and letters from them and now claiming that I never sent a check. Not disputing the ticket but I am disputing the time in which I was notified and the amount that is owed.
10/12/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33137	Web
XXXX XXXX XXXX is insistently trying to collect {$760.00} from me for an alleged driving ticket issued in XXXX and unknown to me. Therefore, never notified. XXXX contacted me the first time approximately four months ago and claimed I owed money for a speeding ticket issued by a speeding camera in XXXX back in 2015. I have no knowledge of this ticket and I have asked XXXX by phone and by certified - return receipt dispute letter to provide me with a copy of the alleged citation and all other related documents - including all papers, photos, videos, correspondence, postmark with mailing date, certified mail notification signed by me or by a person authorized by me within 300 days from the date of the alleged violation, as required by the Italian laws, etc. As of today, I have not received any supporting documentation. However, yesterday, at almost XXXX XXXX, I have received another harassing call from a XXXX 's agent try to collect that amount of money again. They are obviously violating the ( FDCPA ) Fair Debt Collection Practices Act by not providing enough valid supporting documentation. Therefore, I would like not to receive anymore calls from XXXX. And, I'm requesting them to cease any further collection efforts, unless they're able to provide all the requested evidences and documentation. Thank you.
05/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44070	Web
Cedars Business services sent a debt collection letter for a debt that is not mine to my house -- received on XXXX. I sent a certified letter in response on XX/XX/XXXX, delivered XX/XX/XXXX -- delivery that is verifiable. In this letter, I requested by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Ohio. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. I did not receive any mail from Cedars Business Services in response. My letter was evidently ignored, and I considered the matter closed. Until today, XXXX. In this new letter it was again demanded of me to make payment on a debt that isn't mine. Furthermore, my previous letter ( contents mentioned above ) was ignored and I was not provided with the information I requested. I do not appreciate such tactics to collect a debt that isn't mine. Kindly remove me from your system and do not contact me again regarding this matter in the future. Thanks.
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 956XX	Web
I booked a rental car in XXXX for XX/XX/2019. The reservation confirmation email ( attached ) shows the booking confirmation for the reservation with the total cost of the rental car {$280.00} - which I have paid in full. A deposit of {$56.00} upon making the reservation and the balance of {$220.00} was due to be charged to my card. Instead XXXX charged {$340.00}. I disputed the additional {$120.00} through my credit card, an appropriate channel, and XXXX did not respond to the dispute or justify the additional charges. See letter from credit card company dated XXXX XX/XX/2019. If XXXX believed the {$120.00} overage was due them they had 90 days to respond to the letter from my credit card company which they did not do. XXXX XXXX ( my credit card company ) found no liability for the {$120.00} and reversed the charges on my credit card. I have paid the agreed upon amount ( {$280.00} ) in full and no claims of outstanding monies owed are justified. Now XXXX has handed this {$120.00} debt off to Cedars Business Services for collection who sends constant emails ( and I believe phone calls, although they will never leave a message ) despite me giving them the facts of the case. My credit is impeccable and as you can see from my credit report, I pay legitimate amounts I owe in a timely manner. Always.
09/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22206	Web
Beginning on XX/XX/XXXX, I started receiving emails from Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX demanding payment on a traffic ticket I received in XXXX back in XXXX for the amount of {$380.00} ( fine plus late charge penalties, I assume ). My complaint is threefold : 1. I paid this fine on XX/XX/XXXX to the XXXX authority and therefore Cedars Business Services has no ground to collect this fine. I have proof of the wire transfer for XXXX XXXX and emails with the XXXX agency showing they received the payment on XX/XX/XXXX. XXXX. On XX/XX/XXXX, I replied to Cedars Business Services from my email account requesting that they provide proof of their agency with the XXXX authority, upon which I'd be prepared to provide my documented proof of payment.. To this day, I have not received any communication from them proving their agency with the XXXX authority. Until I receive that I have no idea whether they are legitimate. 3. they continue to send these unwarranted threatening notices to my wife 's email account even until XX/XX/XXXX. From my research it appears that Cedars Business Services sends out these unwarranted debt collection notices and they should stop this practice. Just search Cedars in the CFPB database to see those complaints. I found at least four.
08/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33913	Web
We received an email from Cedars Business Services LLC XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, asking for a total of {$1900.00}, related to a speeding ticket issued in XXXXXXXX XXXX XXXX, XXXX. In the attachments are the email and letter received in the mail with the details of the case ( Their file XXXX, Account # XXXX XXXX, principal balance {$1900.00} ). I am not familiar with this situation so I did some research with the XXXX XXXX in XXXX XXXX and XXXX. We cross email, and also included in the attachment. The recommendation was to pay immediately, thing that we did. We sent a Wire transfer of XXXX euros to XXXX XXXX according to the instructions on their web page, and also included in the attachments. The debt collector is sending us emails, and letter by mail asking for the payment, that is was already honored and commented by the XXXX ( people in charge for the collections in XXXX ) representative, as mentioned in the emails. Also in those emails, the comment that they will report to the XXXX XXXX XXXX, that the debt is fully honored and no more pending on our account as reflected in the attachment notes. In XXXX magazine there was a good article on debt collection, so we decided to contact You for help in how to be removed from this process
09/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web
I was laid off by XXXX XXXX XXXX ( US ) XXXX in XX/XX/XXXX. I signed severance package offered by the company and separated from XXXX. Per mutual understanding between me and HR representative, I will not have any monetary claims against the company and vice versa after I signed agreement. Any previous employment agreement between the parties, including the Existing Employment Agreement is considered null and void after my last day with XXXX. After the company appointed tax preparer, XXXX, filed XX/XX/XXXX tax return on behalf of me. There was tax refund due to me. XXXX wants the refund forward to them as this would be the case if I was still employed by XXXX. I disputed XXXX 's claim and requested them to provide me evidences to support the claim. I never got any response. XXXX HR then notified me that this is considered a debt and it will be sent for debt collection. I notified XXXX HR service desk that this is not a valid and it was in dispute. Recently in XX/XX/XXXX, I got a letter and emails from Cedar Financial who informed me that XXXX XXXX has sent disputed debt for collection. I requested to provide me with supporting evidence that shows I owe the debt. I was provided with same information XXXX HR had provided without proof that I owe the debt.
04/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 36301	Web	Servicemember
On XX/XX/XXXX. XXXX I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled The amount has been successfully transferred, and the payment is complete. {$36.00} I received a letter from Cedars Business Services , LLC on XX/XX/XXXX claiming that I owed a balance of {$36.00} that had been sent to collection. After speaking with a rude representative from Cedars Business Services, I called XXXX and spoke with a representative named XXXX. She informed me that she did not understand why the account was sent to collection and suggested that it must have been a glitch in the system that resulted in it all. However, the bill being sent to collection is still liable to ruin my Credit Report and payment history. This is unacceptable and has the potential to severely damage my Credit Report should this error not be fixed and resolved appropriately. My livelihood is not something that I am willing to gamble on. Failure to correct this matter has the undoubtable potential to ruin my livelihood, my Credit Report and ultimately my life and my family 's. I will be forced to resolve this matter in court should. Attached is the collection notice from Cedar Business Services LLc and proof that the account was paid in full with XXXX.
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32507	Web
I received an email on XXXX of XX/XX/2023 by a Cedars Business Services claiming that I owed some debt. I kindly and promptly replied the same day that I was like to request validation of the debt claimed owed, I gave a list of the items requested and asked that they not communicate with me further until they provided me with the requested documents. Not only did they NOT respect my request by sending me via XXXX mail a bill to my home address, WITHOUT cause or consent. Then when I ask about that they say 'they cant seem to find any bill sent to me ', so I had to show proof to them as if they are accusing me of making it up. Then today on XXXX XX/XX/2023 they finally sent me via email SOME of the items requested but NOT all of them. If I am being asked to pay something they should be able to verify & validate debt claimed owed! Especially in this case, this is over {$2000.00}! They are trying to say that " We have only received this document from the client, and this is sufficient to validate the claim. '' As if their client is without fraud or error...?? See Attached for all communication from this place I informed them today that I would be reporting them & to expect a Cease and Desist from me in the coming days.
11/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19958	Web	Older American
Based on information provided by Cedars Business Services, I responded in writing multiple times laying out the facts of the transaction based on information they provided. My letters were never directly acknowledged, nor did they respond to the facts presented. The letters I sent to Cedars Business Services are attached. The bottom line : According to the following definition, I am a bona fide purchaser for value and did not incur the debt Cedars Business Services is trying to collect. To the best of my knowledge Cedars Business Services has not attempted to collect the debt from the " party who fraudulently transferred the property to the bona fide purchaser. '' A bona fide purchaser for value, good-faith purchaser, innocent purchaser for value, purchaser in good faith. Innocent purchaser of property who purchases for value without notice of any other partys claim against the property. So long as a bona fide purchaser properly records the transaction, the bona fide purchaser takes good title to the property despite competing adverse claims. Those parties holding competing adverse claims may bring an action only against the party who fraudulently transferred the property to the bona fide purchaser.
06/13/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 462XX	Web	Servicemember
I was formally enrolled in XXXX University online from XXXX to XXXX. I used my GI-Bill to pay for classes while enrolled. Recently I applied for a home mortgage loan, the loan officer called me about a debt in collections. the name of the company in collection is Cedar Financial based out of California. they stated I had a outstanding balance with XXXX University. I called XXXX University and asked them how diI owe them money since I have not been a student there since XXXX. They stated that I signed a agreement to attend class on XX/XX/XXXX, and in XX/XX/XXXX I sent a email giving my permission to enroll me into class. I explained to them that I did not enroll in class because during that time I was Coaching High school basketball, working Full time and going through a divorce. XXXX told me that the balance is correct. I called Cedar Financial to explain the situation and ask why I did not receive any phone call or letter in the mail for the debt. they could not answer my question because the record on file was not updated. this situation is threatening my purchase of a home for my family. I never enrolled in class, I never receive books for class, and I never logged into class at all.
05/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 988XX	Web
Debt collection notice from : Cedars Business Services , LLC Claims to be representing XXXX, attempting to collect unpaid debt. XXXX notified claimant in XXXX of XXXX that a traffic fine had been incurred by the lessee in XXXX of XXXX. The amount was for {$130.00} which XXXX paid. At no point was the lessee provided the opportunity to contest the charges. XXXX sent notification to lessee in XXXX of XXXX, more than 3 months after the rental agreement ended for the vehicle. Per XXXX policy, XXXX has 90 days to notify lessee of additional charges from the last day of the contract period. Lessee responded to XXXX contesting charges. XXXX never responded or acknowledge receipt of correspondence. 6 months after initial contact, now 9 months after the rental agreement had ended, XXXX passed the charges onto debt collector Cedars Business Services , LLC. Representative of the Lessee contacted Cedars Business Services , LLC XX/XX/XXXX to request more information and request the debt be dismissed on the basis that XXXX had in fact violated the terms of the rental agreement, voiding any money by the lessee. Cedars Business Services , LLC did not provide any additional information.
08/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44107	Web
Cedar Financial claims that I, XXXX XXXX, owe them {$430.00} ( recently reduced from {$970.00} ) in alleged traffic violations that supposedly occurred in XX/XX/XXXX in XXXX, XXXX. I did not receive any notification of these infractions unlit Cedar Financial reached out to me in XX/XX/XXXX. More than XXXX years after the alleged infractions. My concern is that I had no opportunity for due processes in any XXXX legal system before being found guilty. I do not believe that Cedar Financial has any legal grounds to collect these alleged fines. Allowing private XXXX debt collection firms to collect debt on behalf of notably less than perfect foreign governments, without due possess that is guaranteed me under the 14th Amendment and that is also guaranteed all those traveling to the XXXX under the XXXX XXXX XXXX XXXX XXXX, Article XXXX, is setting a dangerous precedent. I was advised make you aware of this occurrence and will also be seeking advice from the XXXX office. Cedar Financial did provide some documentation and the name of a Compliance Manager, XXXX XXXX. Her telephone number is XXXX. I support this claim with the attached documents. Files # 's XXXX, XXXX, XXXX.
09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20877	Web
CFPB, I stopped using the XXXX XXXX platform in XXXX because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. XXXX XXXX never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the XXXX XXXX platform in XXXX . On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$230.00}. I didnt owe XXXX XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX PST Saturday, XXXX XXXX - XXXX XXXX PST https : //cedarsbiz.com/ Thank you, XXXX XXXX
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93063	Web
On XX/XX/2021 I pulled my credit report to see a collection account from Cedars Business Services with a balance of {$2100.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Cedars Business Services has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Cedars Business Services has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. FCRA & FDCPA states that if the debt is not validated in the 30 day period this account is now deemed false & unverifiable. They also require the account to be deleted from all major credit reporting agencies immediately with a copy of such deletion sent directly to me.
06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98004	Web
On XX/XX/XXXX, a fraudulent charge was made against my XXXX account by a person in XXXX, XXXX. I first learned of this charge on XX/XX/XXXX when XXXX sent an email threatening to refer me to collections if I did not pay. After repeated back-and-forth over email and phone, XXXX recognized that the charge was fraudulent ( after I emailed their general counsel and threatened legal action ). They apologized, made a note in the account, and promised not to refer me to collections. On XX/XX/XXXX, I received an email from Cedars Business Services attempting to collect this debt on behalf of XXXX ( which has since ceased operations in the US ). I provided Cedars with the email correspondence from XXXX with XXXX. Although the amount and transaction date match the purported debt that Cedars is attempting to collect, Cedars tells me that the account number is different and that they will need to investigate further. I am hoping that you will be able to help me have Cedars drop the current collection effort. Thanks in advance for anything you can do. I'm attaching my correspondence with XXXX from XXXX and with the Cedars agent from yesterday.
01/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32780	Web	Servicemember
I am requesting assistance with collections for what I believe is a case of identity theft. I have contacted Cedar Business Services and they refuse to mail me the documents that make them believe that I am responsible for this debt. I have an Exceptional payment history with XXXX XXXX. Cedar Business Services reported these debts to credit reporting agencies. I wrote to Cedar Business Services on XXXX XX/XX/2019 : " I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2019 and identified the debt as XXXX XXXX Creditor. I do not have any responsibility for the debt you're trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ''
05/06/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78746	Web
I was contacted more than a year after I visited XXXX, XXXX by Cedars Business Services,, a debt collector out of XXXX, CA. I was informed that I had committed a traffic infraction and that I owed {$440.00}. I received no citation or knowingly committed any traffic infraction while in XXXX. Cedars Business Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX, is File # XXXX, Creditor : XXXX XXXX XXXX, Creditor Account # XXXX, Principal : {$440.00}. Phone # XXXX. My grandfather, XXXX XXXX was with me in the rent car that is at the center of this scheme. Since he was present during rent car event, he is assisting me to resolve this problem. It appears that there are license plate readers that pick up the plates from the rent cars throughout the city. The license numbers are bounced around the city for a year or so picking up additional fines and fees. The city is then provided the driver 's identity by the rent car company and the case is turned over to Cedars Business Services. Cedars Business Services places a hit on the persons credit records and then attempts to collect the bogus debt.
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08527	Web
I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, XXXX XXXX XXXX, and Cedar Business Service, LLC for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20171	Web
The Original creditor violated the law 15 U.S. Code 1692c. XXXX XXXX sold my personal information to Cedars Business Services. I submitted a complaint to through the cfpb stating I never received notice in order to dispute. The XXXX party collection company responded the original creditor place a collection with them XX/XX/XXXX, in which they mailed me a notice XX/XX/XXXX. I complained I never received the notice and asked where did they receive the address to mail me notice because I believe it was wrong but havent seen a reply. I contacted the original creditor XXXX XXXX, via email, asking if they sold my private information to cedar business service in which they admitted to placing my account with Cedars on XX/XX/XXXX. The dates between the XXXX companies do not match! Attached is the emails between myself and XXXX XXXX from XX/XX/XXXX as well as screenshots of the response from my previous complaint. Additionally, XXXX XXXX shared personal information with me on XX/XX/XXXX without verifying my identity, I asked for account information and it was delivered without question.
11/22/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95128	Web
Back on XXXX XXXX my company XXXX sold 3 XXXX XXXX TVs to a customer for {$12000.00}. Payments on the same invoice were for {$9800.00}, {$1900.00} and {$970.00}. My company had to order the units from a distributor called XXXX XXXX. The transaction turned bad because it was discovered that the customer used a stolen credit card and fake identification. I, as the merchant did my due diligence to collect a signature for purchase and photo ID. About a week later, the credit card merchant services sent my company 3 notifications of chargebacks. They attempted to debit ( without prior notification ) {$13000.00} from my business bank account including chargeback fees. When they were unable to do so because my bank blocked the drafts they sent the account to a collections company called Cedars Business Services XXXX which threatens to hurt my personal and business credit with their actions. The first agent who made contact by email/phone was named XXXX XXXX the second XXXX XXXX, both from the same company. Mr. XXXX first made contact by phone and later that day by email XXXX XXXX.
04/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90046	Web
I rented a car back in XX/XX/2021, in XXXX XXXX. from sixth ( i have been their clients for few years ). I got robbed and attacked, in street the people broke the rental car. I went to the police and got a police report. The rental company XXXX want to charge me for broken glass but i paid for insurance and damage and i provided them the police report etc. they didn't want to discuss anything. I am not responsible for paying that, they should have cover broken glass, and their agent didn't TOLD ME about that, he didn't say that i was not cover for broken glass. I purchased the insurance cover thinking it will cover everything by my understanding of what their employee said. I got XXXX and lost my suitcase full of my belonging and money. that situation is bad for me and I wasn't aware of my insurance coverage details. Now they hire a collection company, called : XXXX XXXX XXXX - XXXX XXXX and now i see on my credit report that I owe them that money, and that not acceptable. I Don't owe them any money. Could you please help Thank you
02/15/2022	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77090	Web
This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. The company still has not provided the requested debt verification letter, either. Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 90230	Web
My XXXX credit report is in their special handling department. As a result of being in this department that do not allow me online access to my report. There is no direct number to this department, which is the only department that has access to my credit report at XXXX. They say this is for my protection, which makes no sense because everyone but me who requests my credit report is able to get a copy. I am only able to get a copy of my report through third party reporting agencies. Not to mention they are continuing to report a fraudulent account by cedar business services when they have knowledge that the information is false. XXXX refuses to take my account out of this department that is very hard to get in touch with. It takes hours for me to get to this department, if I am able to get to it all, and after being transferred several times and being asked hundreds of questions by each representative that I am transferred to. I have been told by XXXX that my account will be in this department for the rest of my life.
11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Thank you for your recent contact dated : XX/XX/XXXX. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : XXXX. Validation of the alleged debt ( the actual accounting showing a loss ) ; XXXX. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; XXXX. A copy of the contract signed by both parties and therefore binding both parties. XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	MN XXXXX	Web
Cedar Financial has been contacting me during my work hours ( lady by the name of XXXX XXXX ), harassing me that I owe the XXXX money for a driving ticket for driving through a restricted access area in the city of XXXX, some time during XX/XX/XXXX. They stated they mailed the documentation to me to XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, but I have not lived there since the end of XX/XX/XXXX. I will provide documentation that I purchased and moved to a new home in XX/XX/XXXX. I have moved XXXX times since that address in XXXX, to XXXX different states in the USA. Per the XXXX, since they were not able to contact me within 1 year of the violation, this violation should be deemed invalid, and I owe no debt. Now, Cedar Financial, is asking me to pay XXXX the fines that were supposedly incurred in XXXX. Although I did travel to XXXX, I do not believe that I was in violation of any traffic law, nor was it indicated to me by the rental car company that driving to the hotel would be in violation of a traffic law.
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19963	Web
XXXX ( XXXX XX/XX/2021 ) I got contacted by Cedars Business Services via telephone and email. They were trying to collect a debt owed to XXXX. My account with XXXX is up to date and XXXX says I owe them no money and they don't use Cedars to collect debt. XXXX encouraged me to report this as a fraudulent claim. Yet XXXX continued to insist that I had this mysterious debt, and she grew nastier towards me the longer I talked with her. I just want Cedars Business Services, a debt collection service, to respect the truth, that I owe XXXX no money, and leave me alone. They act like vultures, but there's no debt owed in this case. This company has been in business for 24 years, according to the XXXX, so they should know better than to try to collect from people that owe nothing. This company appears to be nothing more than a bunch of scammers hoping to harass people into paying off bogus claims of debt. They should be ashamed, but based on their behavior and the number of complaints against them, I know they aren't.
05/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85730	Web	Servicemember
Cedars Business Services sent three collection notices in XXXX for traffic violations in XXXX, XXXX, to include overage charges/fees that more than doubled the original amount. They also called multiple times and used multiple numbers to disguise who the call was from throughout XXXX. They gave no proof of the alleged traffic violations either by mail or phone. When I answered the phone ( XXXX XXXX ) to talk to them and asked for proof of the violations, they insisted they needed my email address to send proof, and I asked for them to send proof by mail since they obviously had my address. After this request, they never provided proof, stopped calling, and stopped sending mail until this month ( XX/XX/XXXX ). They sent four collection notices, again with zero proof that I am responsible for the debt. The only way that these violations can be real is if they were from a business trip in XXXX years before the first notification where I had to sign out multiple rental cars for the group I was with.
12/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Thank you for your recent contact dated : XX/XX/XXXX. I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : XXXX. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.
08/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 951XX	Web
I have received a collection attempt letter from Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX in regards to traffic ticket from XXXX XXXX in the amount of XXXX euros. The incident occurred in XX/XX/XXXX. The car that I was renting. at the time was caught on traffic camera driving in public transportation lane. I was never properly notified about this ticket. The police in XXXX mailed certified letter and XX/XX/XXXX that I never received ( I had mail theft problem that I reported to local police in XX/XX/XXXX ). I offered collector via email to pay the original ticket amount of XXXX XXXX administrative fee stated in a copy of the letter that I never received. It is approximately {$120.00}. The collector is requesting total of {$390.00} of unexplained fees. I was never properly notified about this and I believe that I should not be additionally penalized. This is well known problem with this agency and XXXX police in XXXX reported in many internet blogs in US.
07/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ME 042XX	Web	Older American
In XXXX of this year I received a phone call from Cedars Business Services. This call ended abruptly, however I later decided to take the initiative and reached out to the via email. In the attached email with the subject " Let 's clear this up ... '', you will find my asking for documentation regarding any alledged monies owed. It also contains their response. On XX/XX/XXXX, I received an email which stated that the documents I had requested were ready, however, the supplied link simply provided information of the alledged monies owed ( screenshot attached ) to which I responded same and advised to not reach out to me unless they had the requested documentation otherwise I would file a complaint with the Consumer Financial Portection Bureau. Two days later, I received an additional email requesting payment but still no documents. So here we are! I have attached a zip file which contains XXXX email and a screenshot. All files begin with a number I have added to signify order.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75071	Web
Cedars business services called me on XX/XX/XXXX and is saying theyre a debt collector trying to collect a debt from XX/XX/XXXX When I was in Italy XXXX Stating it is a traffic violation and the amount due is about {$260.00} ( I can not remember the exact amount that they stated ) I paid my ticket which was less than {$50.00} back in XXXX which I have proof from my bank account The man kept insisting I pay {$67.00} for start and then I said No Ive already paid this and I will double check my statement. He was persistent to get money from me and said ok how about you just pay {$50.00} now I again said no He said he sent the info to my email address and the email address he mentioned ( Ive never had ) and then he asked for my phone number. Thats when I knew it was a scam. He called me! I said you called me, you have my phone number The phone call ended and then I received a call today with a voicemail to call back on XX/XX/XXXX This is a complete scam.
02/09/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78641	Web
The company has called me several times and has also sent emails with explicit details about a debt being owed to XXXX. Before I called them back, I checked my personal credit report and see no accounts or accounts in past due status with XXXX. Due to this, I am highly suspect of the company that is contacting me. When I called them, I told them I was not aware of any purchases with XXXX for {$490.00} and that it must be fraud. I asked them to initiate their fraud process and they refused since as part of " verification '' i would not provide them personal contact information. I then pointed out that when calling, they are required to make sure its me they are talking to in order to avoid violating privacy laws. Yet they sent an email to to an email address they are not sure is me, that has my name and calls out that I owe a {$490.00} debt. How is it that they have to confirm its me on the phone, but can send a debt notification email to anyone?
01/19/2016	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	VA 238XX	Web
I was contacted by Ceder Financial stating that I owed the XXXX University money. First I requested proof of that debt because I didnt believe it was as much as they claimed it took several calls before that information was provided. I offered to pay {$50.00} a month towards the debt but they have refused that amount. They requested that I completed a XXXX page asset background form and pay {$250.00} upfront payment to keep the collection off my credit report. I have told them several times that I cant afford it but they still are asking me to pay {$250.00} upfront and XXXX a month for 6 months and then the amount will be increased to XXXX They have also threatened to take my federal tax return. I explained to them that I work for a non-profit company and i am also paying back student loans. I dont know that they can refuse the payment I have offered due to my tight budget. I was going to borrow the money but it would put me in a bad situation.
10/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 115XX	Web
On XX/XX/XXXX I was called on my cellular phone by Cedars Business Services for a supposed debt collection measure arising from a XX/XX/XXXX incident which never had occured. I had not seen any letter from the company prior to this phone call. It was for a supposed non-US parking violation outside of the United States in XXXX. The person on the phone insisted I was in violation and must pay immediately. I explained in the phone conversation that no amount is due, no infraction was ever done, and that calling as a debt collector is not appropriate without any letters of information. Following the phone call I was sent a letter. I immediately sent an email explaining my position of an incorrect / erroneous debt collection, which was outside of the United States and never sent to me. I had never been in violation of anything during this time period. The company 's phone number is XXXX They are at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20877	Web
CFPB, I stopped using the XXXX XXXX platform in XXXX. On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$1200.00}. I didnt owe XXXX XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX PST Saturday, XXXX XXXX - XXXX XXXX PST XXXX : XXXX Thank you, XXXX XXXX
04/13/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32216	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. CEDAR FINANCIAL, ILLEGALLY TRYING TO COLLECT DEBT, ... IF NOT REMOVED PROMPTLY I WILL SUBMIT A COMPLAINT TO THE FEDERAL TRADE COMMISSION AND XXXX.
08/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38017	Web
I received an email in two of my email accounts from a company called Cedars Business Services , LLC. The email was from a person called XXXX XXXX. There is no address given on the email and I found them listed as being a business in the state of California. They have not been compliant with verification of any debts and do not follow the basic rules for the Fair Debt Collection Practices Act. They did not provide any information on the nature of the alleged debt and did not provide first hand documents that validate the debt. They allege that the debt is from a foreign bank. I have responded that they are out of compliance with the law. I have opted out of future emails and I am on the do not call list. This debt is not valid. They have blasted this email to multiple email accounts and despite the disclaimer, they have done irreparable harm to me and to my character, my reputation and my good name. I take this very seriously.
06/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 983XX	Web
XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.
05/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90059	Web
I have received a call from a collection by the name of Cedar business services company to inform me I have a debt to be paid. I paid the debt off in total in 2 payments. This was my first time being informed that I had debt in a collection. The collection company stated once I paid in total this collection would go off my credit reports within 15 business days. I have also contacted XXXX university which is where the collection agency stated the collection came from and they stated that they had been in contact with me and I have not received any attempts to contact. The way this was handled my credit report is being affected and I have took all necessary action to correct this once having the knowledge of this matter. However, this is issues is still on my credit report and is affecting my credit score. I would appreciate if you guys would be so kind to assist with this matter. Any assistance is greatly appreciated.
01/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20009	Web
On XX/XX/XXXX, I received an email from Cedars Business Services ( see attached file ) attempting to collect a debt of {$14.00} that the e-mail claimed is from XXXX -- a car rental service that I used in DC that has not done business in Washington XXXX DC for more than a year. I received similar emails from Cedars on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( today ). I have my records from XXXX, and I see no charge for {$14.00} and no unpaid charges. Their internal reference number is unique to this charge, I presume, but the account number does not correspond to my XXXX account. I spoke with the company this evening using the number provided in their emails ( XXXX ). They placed me on hold to find the records of the charge, and when the representative returned, he said that they would need more time and would email the proof of the charge to me within 7-10 business days. Thank you for your assistance.
07/07/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY XXXXX	Web	Servicemember
Cedar Financial is a collection agency for XXXX University. XXXX is claiming I owe them tuition on classes I had dropped because of two primary issues. One reason was because of the fact that I was a resident of XXXX and was enrolled in a program at the school even though the XXXX XXXX XXXX no longer allowed students to enroll because of accreditation issue. XXXX failed to notify me that XXXX was no longer allowing XXXX to admit students from XXXX. I would not have taken classes there had I know there was an issue with the accreditation. I am also a XXXX with XXXX because of my military service and notified my advisor that I was experiencing difficulties with focus and needed to drop my classes. I was advised that I could do so and that charges for that term were covered either by student loans or would be refunded. Despite this, I was charged for tuition despite having dropped classes and disenrolled.
08/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91302	Web
Cedars Business Services has been harassing me in regards to an invalid and incorrect debt and debt amount. They have been informed in writing in regards to their error, but they are not listening. I have informed them to stop contacting me but they have repeatedly continued. They have put completely false and fraudulent information on my credit report in regards to this incorrect debt. In addition, they have put a false note on my credit report indicating that I have " opened a tradeline with them ''. I have never opened any account or line with this company. This firm is illegally putting fraudulent and incorrect information on my credit report in this manner. I am asking the assistance of the CFPB to investigate this firm, it appears they have exhibited this behavior to many people according to the complaints I see. As a XXXX veteran, I am shocked at the manner in which this company is harassing me.
01/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 904XX	Web
The debt collection agency Cedars Business Services contacted me on XXXX XX/XX/XXXX about an outstanding debt ( which shouldn't exist in the first place ) and did not tell me how to dispute the debt. Their email is attached. It was only because I am familiar with CFPB and federal laws that I was able to send back an email disputing the false debt. Had I not known this I would've not have been able to defend my rights given the debt collector 's false and deceptive tactics. According to California law : " Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. Don't give a debt collector any personal or financial information until it sends you this validation noticeit may be a scam. '' XXXX XXXX XXXX
04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98513	Web
In XX/XX/2020 I wanted to start building my credit and checked XXXX XXXX I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX removed the collections. XXXX refuses to remove the fraudulent collections account from my credit report. I believe XXXX is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. XXXX refuses to remove this debt and I am not sure what else I can do.
03/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 958XX	Web
I am getting repeated emails from a debt collector in southern California who claims that I owe nearly {$600.00} dollars for a electronic traffic violation in XXXX XXXX two years ago. I have not left the country in over 10 years. I received the latest email at XXXX today, XX/XX/2021. I have received 3 of these so far. I have been sent to collections before, I have never seen an email trying to collect period, especially with just vivid writing and font, I called the number, there was a totally generic operator that answers and a very disgruntled, mean woman picked up the transfer. When her tone was too much to bear we had words and she told me off and hung up, which is suspicious in of itself. They go by the name of Cedar Business Services and they claim to be based in XXXX California, The also want me to contact them at email XXXX XXXX XXXX XXXX, another weird sign, trying to be more official.
05/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27526	Web	Servicemember
I received a call in XXXX from a company saying they were contacting me to collect on a loan for a bank overseas located in the XXXX. I have not heard from this bank in over XXXX XXXX and they need to contact me so I can see what the issue was. I explained that when I left XXXX XXXX ago, my company said they would settle my debt with my remaining pay check. The gentleman then started to get rude and stated that if I did not pay him he would ensure that he would watch my credit and if I applied for any loans he would ensure he would report this and make it difficult for me to get the loans. Again, this was a loan from over XXXX XXXX ago and I have not heard from the original creditor since I left the country. Again, over the last XXXX they let the interest build up before contacting me. The collection agency is Cedar Business Services and the original loan was through XXXX XXXX XXXX XXXX.
04/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94040	Web	Older American, Servicemember
I received a letter from Cedars Business Services, seeking payment for a traffic ticket from XXXX, XXXX, from XXXX. The total debt is {$210.00} : {$91.00} fee and {$120.00} principal. There is no date specified for the infraction in the letter from Cedars. In XXXX of XXXX, my wife and I were traveling in XXXX. Upon our return, we received ( and paid for ) a credit card bill, with charges for our rental car, plus an additional charge for the traffic infraction. We have received no communication from any XXXX government entity. We have lived at the same address for the last 10 years, so there is little chance of a postal issue. In a letter dated XX/XX/XXXX, I responded to Cedars, requesting documentation of the purported charges. The address of Cedars Business Services is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. Their phone number is : XXXX. The date of their letter is XX/XX/XXXX.
04/05/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01876	Web	Older American
Cedars Business Services of XXXX, CA is trying to collect a traffic fine imposed on me by the city of XXXX, XXXX. All of the details about this fine are incorrect however. I did fly there and rent a car but it was a decade earlier than the date of the offense. It was also a different part of the day. In a letter Cedar sent me some years ago, they included a traffic-cam photo of a car at night supposedly proving their point. I was there in the daytime. I explained all this to them in a phone call a couple years ago and the person I spoke with agreed to cancel the case. I just received another letter try to get me to pay and now the amount is greatly increased due to the time passing. I have no idea how the police in XXXX connected my name with something that happened when I wasnt there. Lets assume it was an honest mistake, but please help me stop Cedars from the continuing harassment.
06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10012	Web
I am reporting the company Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. They keep contacting me for the last two years, trying to collect a parking ticket that occurred in XXXX on XX/XX/2015. I paid the ticket on XX/XX/2015, using a wire transfer. The ticket was for XXXX euros. I sent the documentation that the debt has been paid. They engage in deceptive practices, adding " late payment fees '', inflating the debt from XXXX euros to {$150.00}, and then with their fees to a total of {$300.00} dollars. Of course, given that the ticket was paid within 4 days, there were no late fees. They ignore the documentation that the debt was paid, and try to collect, threatening to report the debt to credit bureaus, hoping that the customer would be willing to pay a ransom to these scammers, to avoid any issues with the credit bureaus.
09/14/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11104	Web
I would like to report the company : Cedars Business Services. The address one their letters is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX I was in XXXX, XXXX XX/XX/2019. I rented a car. I received a notice 1 year and 4 months later informing me of a traffic violation. This is beyond XXXX XXXX legal time limit for notification which is 360 days of the violation. It appears that the company, Cedars Business Services, possible purchased the debt. I'm not sure. They insist that I pay XXXX Euros. The original citation is XXXX Euros. I have looked up Cedars Business Services at the XXXX XXXX XXXX to discover they are untrustworthy. It is known as a scam. Please advise as to next steps. If I own the debt, I will of course pay. However, many have paid and regret it as they continue to be harassed and told that they have never paid the bill.
12/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96734	Web
Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. They have continued to periodically call, for a decade, even though I have asked them to stop calling. This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.
11/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19958	Web	Older American
Using the information provided by Cedars Business Services I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from XXXX in my name. I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by XXXX. -The XXXX seller tried to convince XXXX that the item was damaged. The XXXX seller did not pay XXXX for the item. -I was a good-faith purchaser of the item. -I communicated my findings to Cedars Business Services in writing multiple times. -I offered to assist Cedars Business Services in any way I can so that they can pursue the XXXX seller. -Cedars Business Services has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.
11/03/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 100XX	Web
We have requested from Cedar Financial a list of all of the client consumer debts that we provided to hem to collect, but they refuse to do so. Even worse, XXXX XXXX of the company keeps gaslighting and provoking me with constant nonsensical allegations not to communicate with her or to include others of my choosing on our email correspondence, even though these are my debts being collected and I can choose whomever XXXX XXXXXXXX I want to include. In the latest fiasco this women refuses to provide us with a list of our debtors so that we can give it to our bankruptcy lawyer for our upcoming law firm XXXX XXXX bankruptcy case, something which we desperately need and require to turn over to the bankruptcy court and trustee. Instead she responds with one-liners, incomplete lists, or no responses at all. Please urgently investigate and advise.
10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95833	Web
The other day, I got a collections record on my XXXX credit report for a debt I owe to CEDARS BUSINESS SERVICE for the XXXX XXXX XXXX XXXX. While I was a student there a long time ago I am no longer. I received a full ride for my education there, with the rest covered by student loans I already paid off. There should be no additional balances. I tried disputing it with XXXX, but the dispute got denied. However, I have received no additional documentation at all, by letter or otherwise. I am not interested in reaching out to them directly, as this would restart the statue of limitations ( even if it is for something I should not owe, nor is mine ). If they can not provide a WRITTEN SIGNATURE of me agreeing to pay whatever this balance would be for, I would request this be removed and these unfair debt collection practices cease at once.
05/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Older American
DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH XXXX. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME CEDARS BUSINESS SERVICES. I TOLD THEM THAT I DID NOT OWE XXXX ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED CEDAR BUSINESS SERVICES AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT XXXX SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.
10/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91423	Web	Older American
This is a resubmitted dispute with CEDARS BUSINESS SERVICES , LLC. My for Certified letter of dispute to CEDARS BUSINESS SERVICES , LLC was not received, nor did I receive a Certified Requested Return Receipt from XXXX XXXX. As such, I have resubmitted my Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022. Additionally, I received a Tracking Receipt of Delivery, dated XX/XX/2022 from XXXX XXXX. I have attached both the Resent Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022, along with the XXXX Tracking Receipt, dated XX/XX/XXXX. 2022. Additionally, I have attached a letter to both XXXX and XXXX, enclosing supporting documents ( XXXX Tracking Receipt ) for their review and file. I requested specific documents from CEDARS BUSINESS SERVICES , LLC and gave them a deadline to produce said documents.
03/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32526	Web	Servicemember
In early XXXX of XXXX, I checked my credit score, which I do monthly. I noticed a sharp decrease in my rating and decided to look into the issue further. My credit report listed a collection from a company called Cedar Business Services , LLC. I called Cedar Business Services and they told me a debt was opened with XXXX XXXX and they are collecting on their behalf. The debt was approximately {$750.00}. They told me the debt was opened up under XXXX XXXX using my SSN. My name is XXXX XXXX. Cedar Business Services told me they would obtain documentation on the debt from XXXX so that I can file a police report for identity theft. Despite multiple calls to Cedar Business Services, I still do not have the documentation of the debt. This identity theft on my credit report is materially impacting my credit score. Please look into this.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74012	Web
For the past several months I've continued to reach out both to the credit bureaus and collection agencies regarding the fact my identity was stolen and has been compromised. As a result there several fraud related accounts established online through identity theft without my knowledge or consent. For some reason an account by the name of Cedars Business Services continues to report an amount for a loan that I never taken out or received any money from after being notified by both myself and the major consumer reporting agencies that this is account is from the result of identity theft and or fraud. By continuing to report this fraudulent account, it violates both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. This issue has been going on Since XX/XX/2020 and I would like something done about it.
10/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37130	Web
i received alerts of a collection account being placed on my credit report by cedars business services after looking into the matter it is coming from i robot corporation. i called the collection agency who did everything they could to collect this XXXX even after i explained to them i did not order anything from i robot. i explained i had a fraud alert on my credit report and i am a victim of identity theft. The agent was more concerned with paying the debt then trying to resolve the issue. i did not open a i robot account no information was used to order this item which i dont even know what it is besides my name no birthdate or social security number nothing. they are aware of my complaint as ive exhausted myself in talking to them to resolve the issue. a police report for id theft was filed and will be attached.
03/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97116	Web
Back in XXXX of 2020 my credit card # was used to make a purchase to XXXX for {$480.00}. I called XXXX to dispute the charge and they told me I had to dispute it with my credit card company. After disputing the charge with my credit card I figured the whole thing was done. I recently started to receive collection notices from Cedar Business Services for an amount turned over for collections from XXXX. I have spoken to Cedar Business Services in XXXX disputing the the collections attempt. The individual I spoke with referred to an email account used to make the purchase that is not mine, nor is it anyone I know. the address the items were delivered to is not mine nor is it the address of anyone I know. I fully dispute this charge and collections. It is not mine and was not authorized by me or anyone in my household.
05/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75230	Web
I received a letter from Cedars Business Services LLC, XXXX : XXXX, on XX/XX/XXXX. This is on behalf of XXXX XXXX XXXX ( Account number XXXX ) to collect a debt of {$2400.00}. I contacted XXXX XXXX ( XXXX XXXX ) and spoke with XXXX on XX/XX/XXXX. She told me that an account was opened using my name and social security number in XX/XX/XXXX. The service location was registered to a New York Address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The person on record for method of payment was registered to " XXXX, XXXX XXXX '', who claimed to be my wife. I have lived in XXXX, Texas since XX/XX/XXXX, and I do not know a person by the name of " XXXX, XXXX XXXX ''. I am a victim of identity theft, and someone has fraudulently opened the account with XXXX XXXX using my personal information without my knowledge or permission.
04/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NJ 07030	Web
I received a call on XXXX for collection from Cedar Financial of a debt from a XXXX, XXXX traffic violation. The debt was put into collection on XXXX and accrued 10 days of interest in the amount of {$24.00} ( an effective interest rate in excess of 100 % ). I was told that I " must pay now so that additional interest did not pile up ''. This was the first day I was made aware of this debt. The original fine, I was told, was XXXX. The XXXX is trading at {$1.00}, which would be a total fee of {$290.00}. I was told the amount to be paid was {$340.00}. The company did wave the interest, but still used an exchange rate of {$1.00} instead of {$1.00} resulting in my OVERPAYMENT of the fine ( that I was unable to dispute ) by {$25.00}. I have yet to receive any documentation supporting the traffic violation or fine.
05/26/2022	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	FL 34983	Web
XX/XX/26 XXXX XXXX I called Cedars and spoke to XXXX XXXX We reached an agreement with a settlement offer and she was asked specifically " If paid today how long it would be until it was deleted '' Her response was it would be removed, 30-60 days was her response based on the bureaus timeframe. When asked for a deletion letter she said they do not offer deletion letters but they can send a settled in full letter. Clarification was asked for and that is when it became apparent that they do not actually delete. XXXX claimed she " misunderstood '' what had been asked. If she had accepted payment after promising deletion that would have been accepting payment under false pretenses. I am very upset because I almost paid this to her and if I had it would have been based on her saying it would be deleted.
04/06/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92024	Web	Older American
I have been receiving harrasing calls all different times of the day, constantly during my work day and have asked them to stop. They even went as far as to contact my young son, who lives with his father in another state and caused them worry and stress, because someone called them and said they were looking for me. I signed up for a XXXX with XXXX XXXX out of XXXX. They fill the room and sell people programs. I was immediately financially affected by the fires in California and could not reach anyone to cancel. No local phone numbers or contact information was provided. I never, ever participated in any calls or events afterward, never recieved any information, value or any products from this company. I want then to stop. Please advise.
12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Cedar Business Services is trying to collect money not owed ( This is a collection account ). My credit report states that this acount was opened on XX/XX/2019. I have previously disputed this item with XXXX and through your website. They reported back to XXXX that the account was possible fraud, however did not remove it from my credit bureau and continue to report it on my credit. Cedar Business Services is in violation of credit protection laws. I never once received information from them to even dispute this information with their company during the allowable 30 day period. I am currently disputing the item again with XXXX. My next step is to file a lawsuit to get this information removed and have everyone comply with the credit laws.
05/10/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 223XX	Web
I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of XXXX XXXX XXXX . In the letter, I wrote exactly : " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after XXXX months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.
06/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94109	Web
Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. Over a month went by I had received nothing from the company. However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.
04/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 931XX	Web
I was contact by Cedar Financial about a debt. Apparently I incurred a driving violation during a trip to XXXX in 2016. The XXXX XXXX tried to contact me via mail but were sending communication to the wrong address so I never received it. Eventually, the debt went into collection with Cedar Financial. They have provided documents to me displaying the debt but the amount shown is considerably different than the debt displayed. Cedar Financial has told me it is a " procedural fee '' but have not shown written verification of the total amount they are asking to be paid. I'm willing to pay the debt that is displayed, but unwilling to send them nearly double that amount without any evidence I actually owe that amount.
07/21/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15108	Web
In XXXX I drove my Dad who is XXXX to an area near the square in XXXX XXXX. My Dad ancestors are from the area. He is XXXX and I sent a copy of the XXXX pass along with a note and the XXXX never responded and sent me to this debt collector. A year later I received a ticket for driving in a area without a authorized pass. From there I heard nothing unit Ceder Business Services harassed me about a {$480.00} debt by phone repeatably. The fee was {$180.00} that I originally received and responded to a year earlier. Today I receive a letter form the debt collector that states " We inform you that if you do not react to our request for payment, legal proceedings for coercive debt collection will take place.
12/17/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 142XX	Web
I received a collection letter for traffic citation from XXXX, XXXX. Date of citation is XX/XX/2018. Amount of XXXX . I was traveling to XXXX at that time and did rent the car. I never received any tickets when I was in XXXX. I never received any letters from police afterward. I never was stopped by traffic police while I was there. The collection letter came from the company from California. Cedars business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I did call them and did not have any reasonable explanation about this collection. The person on the phone told me that I have to pay. Did not give me any details or provide any documentation. I feel that I am dealing with a fraud.
10/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web	Servicemember
On XX/XX/2020, at XXXX XXXX MST, XXXX XXXX of Cedars Business Services, using email address XXXX, has repeatedly tried to get me to pay him a sum of {$1600.00} for an account which does not bear my name or address, or any name or address on a business of mine. His first attempt contained no documents of any kind. XXXX contacted me again on XX/XX/2020, at XXXX XXXX, and again on XX/XX/2020, at XXXX XXXX over the same matter. The company name on the document is " voiproca media limited '', with a postal address of " XXXX XXXX XXXX XXXX XXXX, XXXX ''. This is not my name, nor the name or address of one of my companies. Each time XXXX wrote, he was instructed XXXX nicely ) not to contact me again.
06/15/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55904	Web
I lost my job during covid in the XXXX I contacted the bank that because i lost my job my visa was cancelled so I can manage my auto loan i was told if i returned the car I would no longer owe the bank anything. I did and traveled back home to the XXXX in XXXX. I kept trying to reach the bank to reach an agreement for the clearance letter nobody replied. In XX/XX/XXXX Cedar financial ( US Debt collector ) contacted me and I told them what happened so they said they would contact the bank and reach back out to me. In XXXX they do a hard credit pull with no authorization no communications till this morning saying I had to pay the full balance from XXXX that the bank never got back to me about.
05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93536	Web
Hi I had an apartment with 3 other people in my school and one of them didnt pay rent and we got evicted and I told the caretaker I can pay my part after every one abandoned the place and me. And I told the collection agency that 1. Its 4 names on the contract owe {$8100.00} and I shouldnt be made liable for it and then 2. On the contract it states that we cant be forced to pay interest or any fees except the one listed on the lease. 3. And that I told the caretaker and she said that I was ok and I shouldnt worry. Even with the lease saying 4 names and signature they still harass me to pay {$9100.00} on the document it clearly states no legal fees or interest shall be awarded to either party.
12/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94123	Web
This company : " CEDARS BUSINESS SERVIC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX or ( XXXX ) XXXX '' has reported a fraudulent collection to my credit report without notifying me. When I have disputed it they have " confirmed '' the debt was correct without speaking with me. When I redisputed the debt they tried to get me share personal information about myself without any verification of who they are of who they represent. I have numerous times asked them to send me a letter verifying what debt that I allegedly owe but they have not done so. This has been a dispute that has been over a month and they have still not verified my alleged debt or given me written notice of such a debt.
11/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
I received written notice from a company, Cedars Business Services, attempting debt collection for my deceased parents from a health services company, XXXX XXXX XXXX XXXX, they never incurred debt with. I reached out to the company attempting to collect and advised there was no such debt and I suspected this was a fraudulent attempt to collect money. I asked for information on the company claiming the debt was owed and advised my parents were deceased. The company representatives were unwilling to share information with me. My father was recently deceased, and my mother was mentioned in his obituary. I am concerned this was fraudulent attempt to collect a debt not owed.
10/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90703	Web	Older American
In XXXX 2016 I rented a car in XXXX, XXXX. After I returned to U.S. The rental car company e-mail me that I had speeding ticket. This XXXX, A company named CEDARS BUSINESS SERVICES located in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company find this case thru XXXX US Embassy website, that is a open source for anyone want to contact you. The only proof of speeding is the automatic camera shooting. This self- claimed speeding ticket collector is not authorized by XXXX Police Dept . Any scammer can go after you. Maybe he buy the debt thru a outsourcing agency. My question : it is legal to collect debt by this way? Those con artists must be cracked down
10/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90266	Web
Cedars Business Services is attempting to collect a debt on behalf of an XXXX city, the city of XXXX. They are claiming an amount due of {$240.00} for a traffic violation, plus a fine of {$180.00}, plus a penalty of {$61.00}, for a total of {$4900.00} for a traffic violation. Cedars is also trying to collect a similar debt on behalf of the city of XXXX in XXXX. In both cities, I rented a car. In XXXX, in every other country, if there is a speeding ticket, it goes to the rental car agency and they take the payment directly from my account, plus a processing fee. So to me, this is very suspicious. Why are two traffic violations totaling nearly {$1000.00}?
04/14/2021	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 90292	Web
CEDARS BUSINESS SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX {$5500.00} Balance updated XX/XX/2021 The original creditor claims there is a balance due of {$5500.00}. This is not true. The debt which I do not owe has been sold to Cedars Business Services which makes claims they are going to sue me, and if I do not respond collect a lawsuit. The agent on the phone speaks like an attorney but is not. I have told them this is not my debt to please stop calling yet their tactics continue to get more aggressive. Please help me deal with these individuals and remove this from my credit report as it is negatively impacting my score and finances.
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23503	Web	Older American
I received a letter dated XX/XX/2022, allegedly from Cedars Business Services, a legitimate collections agency. The letter states that I am seriously past due on a debt of {$470.00} to XXXX. I do not have a credit account with XXXX. Anything I have purchased from them has been paid for with my personal XXXX. I checked my credit reports on XXXX, XXXX and XXXX and there are no collections on my record. The Pay by Phone number on the letter does not match the pay by phone number on Cedars Business Services website. Since I know this is a scam based on the information I have provided, I am not responding to this letter in any way.
07/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 38024	Web	Servicemember
I have requesting validation of debt owed regarding the {$5100.00} XXXX balance and Agency Fee {$1600.00} totaling {$6700.00}. {$1600.00} Agency fee can be considered as a unfair practice. The extra fees are not permitted I requested Cedar Financial send the original credit agreement where it states that {$5100.00} can be increased to {$6700.00} due to agency fee. I asked for payment options of 12 months or more. The agency would not allow more than 12 months or but promoted a XXXX lump sum payment. Cedar financial Ph : ( XXXX ) XXXX XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.cedarfinancial.com XXXX
01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 021XX	Web
I was contacted in XXXX of XXXX by a Cedar Financial that I had a {$330.00} ticket stemming from a trip to XXXX in XXXX of XXXX. He threatened to report it to my credit when I said that I never was pulled over or was issued a ticket. He said that I was photographed in a high congestion area and that I was given a ticket that now had several late fees associated with it and I had better pay it now. They have called me incessantly since, even after I told them that I needed to see evidence and I certainly was n't responsible for late fees when in good faith, I had no knowledge of this ticket and dispute that I was in that area.
06/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85635	Web
Cedar Financial aka Cedar Business Services keeps attempting to get me to pay for interest accrued on medical debt. I did not agree to interest terms. On several accounts for medical debt owed. File # : XXXX, XXXX, XXXX, XXXX XXXX all have interest applied to the principal amount. On XX/XX/2019 they falsely claimed to the Credit Bureau as Loan Installment instead of reporting as debt collection or medical debt. I have talked to them multiple times but they continue to skirt the law, for there fraudulent claims and misrepresentation of facts. My rights are being abused according to the The Fair Debt Collection Practices Act.
02/12/2023	No	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	VA 20171	Web
I asked the company for evidence of indebtedness via certified mail on XX/XX/2022. On this same day as well as months before ( in which the company admits to receiving in a complaint reply through the cfpb portal ), I requested the company cease all communication with me pursuant to 15 USC 1692c through any medium, however the company continues to furnish unvalidated information to XXXX, XXXX, and recently adding XXXX after receiving via certified letter from me requesting cease communication. The actions of this company has been defamatory to my character, causing me to get denied for mortgages and extensions of credit.
01/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
This debt collector is attempting to collect a XXXX XXXX XXXX debt that is not mine and I do not owe. This debt originated in XXXX and I have never heard anything about it until the incessant phone calls and letters from Cedars business services started a few weeks ago. I sent them a request for debt validation that was responded to with a debt verification. There was no validation. My signature on the documents provided is CLEARLY not mine. The documents and how the totals were reached are unreadable. They continue to try and collect on a debt that is not mine and falls outside the purvey of the statute of limitations.
02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	HI 967XX	Web
I have received a phone call and one letter from a debt collector called Cedars Business Services, claiming I owe money to XXXX XXXXXXXX XXXX ( XXXX ). I have been a patient there, but have not received a bill from them for the amount being collected, and have verified with XXXX 's billing office by phone ( XXXX ) that there are no outstanding charges under my name and birthdate and mailing or physical addresses. I therefore believe this is a case of fraud. The debt collector claims to have received the account information from XXXX in XX/XX/XXXX, but I did not receive a letter from them until XX/XX/XXXX.
07/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 672XX	Web	Older American
In XX/XX/2021, XXXX XXXX made an offer by phone to purchase my XXXX XXXX XXXX XXXX. I requested an email confirmation. Several days passed no confirmation. After a week or so, I received a call wondering where their XXXX was. From the time we first spoke to the XXXX call, XXXX jumped in value. I assume it jumped XXXX XXXXXXXX since that is the disputed amount. XXXX XXXX did not make any form of payment for the XXXX. I did not send a XXXX. Because they did not confirm or pay, I considered the deal voided. They filed a collection report on my credit report. I demand that it be removed. There was no deal.
08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web	Older American
This is an update to my previous report today. Number Not Available. I incorrectly stated the time when I stopped processing Credit Cards, I still had done some processing through XXXXXXXX XXXX XXXX, as I kept advising Client 's to find another CPA. However, after that date I did not process any more credit cards to date XXXX XXXX XXXX. Additionally, I mailed back their Credit Card machine to them. The Credit Card Company charged me through XX/XX/XXXX ( should have stopped in XXXX ). Another Credit Card Company showed up in a later year charging me and I had this stopped through the Bank.
12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89148	Web
On XX/XX/2023 CEDAR BUSINESS SERVICES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA CEDAR BUSINESS SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 165XX	Web
I had a collection account showing on my XXXX credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from XXXX she said it wasnt removed!! How is it possible they play with my credit report?!!
05/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ID 833XX	Web
My complaint is with Cedars Business Services based in XXXX, CA phone XXXX. I have repeatedly informed them that this debt has been paid directly, and let them know that they are calling me on a phone used for work during business hours, that the debt was already paid, and requested no further calls. They refuse, and continue to call me on a daily basis, for months on end. I have no recourse on how to end the harassment. They insist on calling me no matter what I tell them and will not stop. I have let them know I am filing a complaint and wrote this complaint while on the phone with them.
02/12/2023	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 14616	Web
The defective product was returned to XXXX. Without a membership the product will not work. The collection tactics have been harassing and my ex husband was called. They call me 3-4 times a day, send texts and emails. No balance owed. Debt should be removed from my report. I am disputing this debt accuracy, This account is closed & settled & was sold to collections without my consent. I have received harassing calls & mail it's required by the Fair Debt Collection Practices Act ( FDCPA ) to remove inaccurate reports. CEDARS BUSINESS SERVIce XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
12/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77007	Web	Servicemember
I received a letter in the mail on XX/XX/2019 from Cedars Business Services alleging that I owe {$410.00} for an XXXX traffic violation. This is completely invalid and is not my debt. After calling XXXX and giving the case number, I spoke with someone who said their name was 'XXXX XXXX ' who insisted that 'he had information that said I owed them {$410.00} '. This is not my debt, I have no idea what this is about and this is extremely dishonest. The letter said that I only have 30 days from the day the letter was sent, XX/XX/2019, to deliver a letter disputing the 'debt '.
12/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33433	Web
On XXXX-XX/XX/2020 I was contacted by phone by debt collection firm saying I owe them money. Lately they contacted me by my email. On XX/XX/2020 I was asking for debt verification information, and never received any competent evidence that I have any legal obligation to pay to the order of Cedars Business Services. I was contacted again on XX/XX/2020 asking to pay a debt. The representative never sent me any Agreement with the client that grants them the authority to collect on this alleged debt. Also I never received any notice of debt thought the regular mail.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89011	Web
I have been getting multiple calls several times a day from different phone numbers. But all the different phone numbers belong to an organization called Cedars Business Services. This has been going on for a few months now. They leave messages from different numbers telling me that I have to call them. They have also texted me. I do not know what they are talking about and do not owe any debt to them. I have tried blocking them form my phone but they call from various, new numbers every time. This is extreme harassment and needs to stop. Please help me.
01/08/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 324XX	Web
On XX/XX/XXXX I received a notice from Ceders Business Services in XXXX, CA stating that when my wife and I were in XXXX in XXXX, XXXX we got a {$800.00} speeding ticket in XXXX, XXXX XXXX over a year before ). We were never notified by the rental car company that there was a ticket, and I am not sure that we were even speeding. I don't understand how legally they can harass people for an international speeding ticket that we never got .... I believe this is a scam. I looked on the XX/XX/XXXXwebsite and saw dozens of the same story. Please help.
09/08/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
Out of the blue I received a letter from Cedar Business Services. They claimed I owed a debt of {$390.00}. I immediately called and discussed the issue with their rep. I forwarded and email proof I had that I had paid this debt ( from 2017 ). 3 weeks after our call Cedar Bus. Services responded to me in email claiming that the payment I made did not 'cover the debt ' and that now my new balance was {$790.00}. That is an unreasonable increase ; and also they have not provided any documentation of me owing anything to anyone.. Please help!
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48038	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
11/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07920	Web
I received notice from Cedars Business Services LL, ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ) for collections on behalf of XXXX XXXX XXXX XXXX when I was in XXXX in XX/XX/2013. I paid the traffic violation ticket when I got the ticket 5 years ago. I don't have any proof because this occurred 5+ years ago and now Cedar Business Services is trying to collect more from me. Also Isn't there a statute of limitations on this and how can a traffic violation occurring in another country placed to debt collections. I provided no consent.
12/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90045	Web
I received a phone call from a debt collector regarding unpaid medical related debt. I requested proof and validation of the debt and nothing was provided. They said that they sent letters through the mail to an address that I have never lived at. They called back numerous times and still did not provide any information even after asking over the phone and through text messages that they continued to send me as well. I also never received any notice of my ability to dispute this debt during any of the conversations.
11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91754	Web
They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.
06/12/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19148	Web	Servicemember
hello. i just received 4 notices through the mail, that was sent to my old address. they are from - cedars business services , llc. - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. 1. file # XXXX {$390.00}. ( 2. # XXXX {$390.00}. ( 3. # XXXX {$390.00}. ( 4. # XXXX. {$390.00}. im assuming it is a traffic or parking ticket that i have no knowledge of. from XXXX. i havent been there in XXXX years. and the amount is quite staggering. im a XXXX military vet, with head & neck XXXX. i need help in this matter. thank you ssg XXXX XXXX.
04/10/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 45014	Web
The company cedar financial is representing a foreign bank called XXXX XXXX XXXX. I had a financial relationship with XXXX XXXX XXXX and they issued me a credit card. After I defaulted XXXX XXXX XXXX have sent me several threatening emails including legal and imprisonment afterwards handed the credit to cedar as debth collector. Cedar has followed the path of XXXX XXXX XXXX by refusing to accept my dispute of the said debth and forcefully posting to my credit records without any acceptance or court ruling on the debth
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77469	Web
I received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.
06/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.
08/14/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84081	Web
Every single day Im getting phone calls from Cedars Bus Svc and I dont know what its for. I pick up the phone and say stop calling and they hang up. They have never left a message saying what its for. I block their number and they call from another location. Every single day, multiple times a day, all over the state!!! The latest call was this morning XXXX XXXX XXXX from XXXX from XXXX XXXX NY XXXX XXXX XXXX from XXXX, CA XXXX XXXX XXXX XXXX from XXXX, MD XXXX XXXX XXXX from XXXX, MA XXXX And the list goes on!
02/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89101	Web
On XX/XX/XXXX, I was contacted via phone, email, and text message by XXXX XXXX from Cedars Business Services ( XXXX, XXXX ) regarding a non-existent debt which Cedars claimed I owed to XXXX. No such debt ever existed. On approximately XX/XX/XXXX, I ordered two desks on XXXX totaling {$5500.00}. When the desks finally arrived, they were so badly damaged that I refused to accept delivery. XXXX issued a complete refund via XXXX on XX/XX/XXXX. I have provided Cedars Business Services the above information.
12/17/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MD 21702	Web	Servicemember
This is a complaint filed against Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After five years since my visit to XXXX, I've received notice of an unpaid ticket from the city of XXXX, XXXX. There are no dates, specific location or any information of the alleged offence. After doing some digging in the internet, I learned that this company tries to scam money out of people who travel overseas. It is therefore that I am filing this complaint against Cedars Business Services.
04/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60169	Web
I have been contacted repeatedly by Cedar Business Services attempting to fraudulently collect a debt that does not pertain to me. They are naming the creditor " XXXX XXXX XXXX XXXX '' with a principal amount of {$220.00} and fees of {$160.00} equaling a total owed of {$390.00}. I have never been to XXXX, never been contacted by the XXXX XXXX XXXX XXXX. I believe this is a fraudulent transaction and I believe a fraudulent creditor has requested a legal debt collector to collect debt that is not mine.
04/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98012	Web
On XX/XX/2018 I filed a claim against XXXX for fraudulent practices on their websites. I have filled my dispute and it was processed legally through my bank. Now two years down the line I receive a message from cedars buisness services claiming I owe XXXX money when I do not. They are both intimidating me even though my bank has already filled the dispute two years ago. They claim I owe over {$200.00} when I do not owe any outstanding fees over {$200.00} I have no idea where they came from randomly.
03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75082	Web
Cedars Business Services , LLC has sent me multiple harassing text messages regarding a debt purportedly owed to the city of XXXX. I have never traveled to XXXX or purchased anything from the city. They have texted from numerous phone numbers, which I have repeatedly blocked. In many of these messages, they illegally fail to identify themselves as debt collectors. I think some of the communications may have been sent outside the hours prescribed in the fair debt collection practices act.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76502	Web	Servicemember
XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights with the reporting to my credit report.
03/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95207	Web
Violation of THE FAIR DEBT COLLECTION PRACTICES. Validation of debts. I have submitted Certified letters of dispute and debt validation letters to Cedar Financial. Once in XXXX of XXXX and again in XX/XX/XXXX. I know through tracking that the letters were received each time, however, I have not heard from the company and every month they raise the balance that I supposedly owed them. They have had several months to gather the information regarding proper debt validation.
01/08/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Older American
I attended XXXX University from XX/XX/XXXX to XX/XX/XXXXand all my loans were federal loans. I am paying on those loans now. All of a sudden I am getting a debt collection from a company named Cedar Financial who says I owe them XXXX. Which I do not owe I owe the Federal Student loan not them. I have also done my research and they are not allowed to collect a debt in the state of Florida and would like this removed from my credit reports. XXXX, XXXX and XXXX. Thank you.
02/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web
On XX/XX/XXXX, I sent a certified letter requesting validation of the debt. I did not receive any correspondence from this company. Also, I sent a follow up letter on XX/XX/XXXX and I did receive a letter from them however it did not provide validation of the debt as requested nor within a reasonable time frame. Now I have been receiving letters in the mail requesting that I settle the debt however they have not provided me with validation of the debt they claim I owe.
12/04/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 20171	Web
I never received initial contact by mail from this company. I noticed the company had been reporting the unvalidated information and I tried disputing the validity of the collection to no avail. The company called and harassed me several times until eventually I changed my number. The company removed the charges from my report for a few months and then resubmitted it again. The company is in violation of several laws including Defamation of Character.
04/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33607	Web
This collection Co seem to be a fake Co. ( Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX ) the notice say this debit is for a traffic violation in ( XXXX ) I have not been to XXXX and i no know one in XXXX - but this have gotten my info from somewhere and reported to the CB I will not call them nore will I write them or give them any more info then they already have to de-fraud me more or to use my info in any fraudulent way!
04/06/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	SC 29801	Web
I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans
06/08/2019	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33432	Web
I received 2 Written Threats from Cedars Business Services LLC about 2 different international accounts supposedly from a Bank in XXXX with which I never has any account. 1st written threat dated XX/XX/2019 for an amount of {$15.00} 2nd written threat dated XX/XX/2019 for an amount of {$2300.00} Both letters are menacing me reporting me to the report me to the credit bureau if I do not pay these debt within 30 days of these present notices.
10/13/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NM 875XX	Web
I received out of the blue a letter from a collection agency indicating that I owed {$380.00} for a traffic violation incurred at an unspecified date and location ( somewhere in XXXX ), with an unspecified car from an unspecified car rental company. Supposedly I would have received numerous letters from an unspecified Italian municipality which I would have ignored. This is an attempt to extort money unjustifiably. No evidence was provided.
11/14/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92596	Web
They would call me repeatedly everyday for over a week asking for someone that is not me. I would tell them that it is not me and that they needed to take me off the call list. They kept calling. I asked to be taken off the call list again and they lied and told me they had no authority to do that. They wouldn't tell me their business name until I threatened to report them for fraud. They claimed to be calling from Ceders Business.
06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29405	Web
Cedar Business is attempting to collect a debt that they've been made aware of with multiple pieces of information from the ORIGINAL creditor. I do not owe this debt, and they are aware. XXXX has given me 2 documents showing a XXXX debt, and they are also in possession of a call recording in which I was informed there was NO DEBT owed by me. This is a violation of my rights! This aught be removed from my credit report immediately.
06/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91789	Web
Failed To Validate Alleged Account Due The defendant " Cedar Financial '' failed to validate an alleged account due. All they did was send an invoice or a statement. They never supplied an agreement, application, or contract with my signature on it. They never presented me with an itemized breakdown of the alleged account due. It is my opinion that the defendant is in potential violation of Federal and State Debt Collections Laws.
02/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20817	Web
Cedar Business Services LLC is claiming that I owe them {$5900.00}. Have requested multiple times that they provide me with the details, who authorized this transaction, whom it was paid, any written authorization these transactions in their possession. All the receipts, statements, agreements any other record pertaining these transaction. So far they have failed to provide anything related to this.
12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91362	Web	Older American
While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.
11/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
I noticed that there was a collections item on my XXXX credit report and desputed it and it came back as valid however i am disputing an address that was also on my XXXX credit report that i never lived at and it was removed so i have reason to believe that tye person or persons who ooened this account used an address. With my name and as a result it was put on my credit report as owed
08/23/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 453XX	Web
I am getting daily phone calls from different numbers stating " You have an important message from XXXX ( Cedars? ) [ hard to tell from message ] business services. This is a message from a debt collector. Please do not delete this message until you have called us back. XXXX '' [ number that called me is different each time but the message is the same ; call back number also changes ]
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being XXXX XXXX my credit with no explanation on an erroneous, alleged collections information. CEDAR BUSINESS SERVICES has never proved this debt collections belong to me legally.
03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33133	Web	Servicemember
Cedar Business Services, I have requested verification of the debt and it has not been provided. I continue to get harassed via work email. Confirm the debt owed, that it is mine, and that you are authorized to collect the debt. I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.
04/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NM 87124	Web
I received a phone call and letter in the mail ( dated XX/XX/21 ) from Cedars Business Services. They state that I owe {$1700.00} from XXXX credit, however I do not have a credit card or account with XXXX. I contacted XXXX, and there is no record of me having an account with them. I have not contacted Cedars Business Services, as this is a fraudulent debt collection attempt.
10/08/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43082	Web
I have received numerous calls over the last year from a company called Cedar Financial. They state I have a debt with XXXX XXXX Bank and I have no knowledge of this debt nor this bank. They have added a debt in the amount of {$12000.00} from this XXXX XXXX Bank on to my credit report without any poof! They need to stop contacting me and remove this debt as it is NOT valid.
06/10/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NJ XXXXX	Web	Servicemember
A company called Cedars Biz Services is pretending to be an Italian Government agency to collect a parking ticket which was paid. Now, they are claiming it's {$400.00} to pay. There are no outstanding debts in collections at this time for me per my credit reports. They call repeatedly and constantly send USPS mail. I'm not sure how they even got my information.
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32703	Web
Cedar Business Services reported me to The Credit Reporting Agencies that I owed XXXX XXXX the sum of {$660.00}. I called Cedar Business and I informed them that I have never done business with XXXX. I requested proof of my debt such as delivery receipt / invoice / proof of delivery. I have not gotten a reply to date. My credit score has dropped by XXXX points
01/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80206	Web
Have a letter from CEDAR Financial saying I owe {$56.00} to creditor " XXXX XXXX '' FILE # XXXX. I 'VE NEVER SET FOOT IN THE COUNTRY OF XXXX. THEIR CONTACT, WITH NO EVIDENCE, PAPER TRAIL, OR RESEARCH IS LACKING, AND WILL NOT BE THREATENED BY THEIR ATTEMPT TO COLLECT THIS DEBT! CEDAR FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NE 68046	Web	Servicemember
They have reported a debt to my credit report that is not mine. The company was also harassing me and I told them the debt was not mine. They said they were investigating and I never heard back. In the meantime, this debt that is not mine is harming my credit and repenting me from purchasing a house. Debt is for {$XXXX} per my credit report
04/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32209	Web
Cedars Business Services , LLC said that I needed to respond to a alleged debt letter by XX/XX/2023, they have not responded in the 30 days that they said they would. I sent them a certified letter on XX/XX/2023 in which they received XX/XX/2023 for this account to be removed, to Cease & Desist all communication & that the debt wasn't valid.
06/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63125	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
05/02/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33913	Web
We received a letter from a Debt collector, asking for the payment of {$320.00} apparently from a citation of the city of XXXX in XXXX, dated XXXX. We do not owe this money. A similar case was presented by these people, last year, that was totally paid by us. In the attachment is a copy of the letter received from the Debt Collector.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
CEDARS BUSINESS SERVICES are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for XXXX years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting
03/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30097	Web
I have receive a letter from Cedars Business Services debt collector on XX/XX/2023. It was about the debt that does not belong to me. Please verify this account thoroughly to address my issue. Again, this debt is not mine. If there were any fraud activities involved please investigate to resolve this issue in timely manner.
12/24/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87507	Web
On XX/XX/19 at approx XXXX XXXX MST, I called Cedars Business Services to ask who " XXXX XXXX XXXX '' was and spoke to XXXX XXXX. XXXX said this company also goes online as " XXXX '', I believe. I was afraid to go online to research them. I've NEVER done business with this company, nor have ever used their services.
02/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76548	Web	Servicemember
Cedars Business Services , LLC from XXXX, California, sent me a collections letter for an account I do not own. I have never lived in California and never signed with XXXX for any accounts. I have a XXXX XXXX Account prior to the merger with XXXX and that account number is totally different and paid in full monthly.
07/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90047	Web
On XX/XX/2023 I received a notice of debt collection from the Cedars Business Service stating that I owed {$1200.00} for an XXXX with XXXX XXXX I have never received services from this business I have had XXXX for well over 20 years and have never received medical care of no form from anywhere besides XXXX.
02/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97203	Web
I believe the previous owners of Cedars Financial and XXXX XXXX are still operating under Cedar Business Services attempting to collect debts that are invalid. They were banned from operating in 2019, but I believe they are linked to and still operating under Cedar Business Services. https : XXXX
10/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95138	Web
I received today this weird mail From Cedar Business Services about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding 10 km More than tolerance level. The ticket is for {$810.00}. This is ridiculous. I have done no such thing. This is XX/XX/XXXX.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20723	Web
Cedars Business Services continues to report fraudulent information regarding an account that was paid off. The original creditor XXXX University agreed that the tradeline would be deleted, and the creditor refuses to do so. I have documentation proving this agreement for payment.
03/13/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30083	Web
Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.
01/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32904	Web
Cedar Financial has placed a collection on my XXXX and XXXX credit reports. The original creditor was included in my bankrupcy which was discharged XX/XX/2014. XXXX shows the collection open and closed in a period that is not possible with my BK file and discharge date.
10/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95138	Web
I received today this weird mail From XXXX XXXX XXXX about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding XXXX km More than tolerance level. The ticket is for XXXX This is ridiculous. I have done no such thing. This is XX/XX/XXXX.
07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98106	Web
Cedars Business Service is attempting to collect debt that could not be mine ( from XX/XX/XXXX XXXX for a car rental service XXXX that no longer exists. I have not used XXXX since at least XXXX. They continue to email me and wont leave me alone.
03/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91748	Web
traffic citation on XXXX in XXXX amount : XXXX euros full balance paid on XXXX account status : XXXX balance owed, closed Collection comapany : Cedars Business Services said no payments were made and attempt to collect balance of {$510.00}.
08/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 24018	Web
The amount of {$14000.00} was reported on my credit report by Cedars Business Services I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.
08/21/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78258	Web
I have contacted Cedars Business Services in XXXX, CA and asked them to cease and desist all communication about 30 days ago. They continue to send letters demanding payment for debt I have disputed.
12/13/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 329XX	Web
need cedar financial to refrain from contacting me. receiving demand for roughly 600USD. they are stating that I violated city pedestrian code while vacationing in XXXX almost 3 years ago.
10/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 070XX	Web
XX/XX/XXXX charged me {$210.00} XX/XX/1929 and they did not talk to me about my rights that I could dispute. XXXX XXXX sent the funds to be collected to cedar business now XXXX is due
11/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22206	Web	Servicemember
Cedars Business Services , LLC is trying to collector for a debt that is not owed. I only received communication from this debt collector via email on XX/XX/2021. See attachment.
11/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Cedars Business Services is attempting to collect a debt that is not mine. I received a demand letter in the amount of {$2200.00}. This debt is not mine and I will not pay it.
01/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37211	Web
Repeated letters referencing debt not owed. Fails to provide the legally adequate amount of information on the amount owed, time frame, and entity they are collecting for.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 559XX	Web
Have disputed the collection account several times even though it is paid in full and should be taken off. It should have never been reported in the first place.
05/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93065	Web
Debt collecting on a debit that has been obtained through identity theft. Attached is a copy of my FTC XXXX, Dispute & Notice of XXXX info
05/02/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91342	Web
XX/XX/ {$5300.00} I called the agency and explained I wasnt the owner of the vehicle in state of California. Vehicle Code XXXX
09/12/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 94109	Web	Servicemember
We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.
03/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07751	Web
I purchased furniture from XXXX back in XX/XX/2020. They delivered the products as I paid in full. I have the receipt.
03/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
Was contacted by credit reporting agency of collection reporting. Never was contacted by Cedar Financial at all.
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20171	Web
Company continues to report fraudulent information with no validation, after agreeing in writing to cease.
07/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10025	Web
repeated calling and emailing for debt collection without disclosing the issue.
10/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48154	Web
This debt doesnt belong to me this debt is the result of identity theft
06/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91367	Web
Remove my name this debt is not mine Thanks
01/27/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA XXXXX	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92307	Web

12/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92805	Web

12/15/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30269	Web

12/14/2023	Yes	Debt or credit management Debt settlement	Unauthorized withdrawals or charges	AZ 85326	Web

11/29/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NH 03057	Web	Older American

11/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11220	Web

11/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18360	Phone

10/25/2023	Yes	Debt or credit management Debt settlement	Problem with customer service	CA 90402	Web	Older American

10/20/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92673	Web	Older American, Servicemember

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74115	Web

10/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91344	Phone

10/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 67144	Web

10/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32653	Web

10/03/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46204	Web

09/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28034	Web

09/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33634	Web

09/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92881	Web

09/10/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	DC 20001	Web	Servicemember

09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23234	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30094	Web	Servicemember

08/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32003	Web

08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90048	Web

07/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75082	Referral

07/28/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 42301	Web

07/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10309	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02126	Web

05/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90670	Web

05/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30907	Web

04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37040	Web	Servicemember

04/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39272	Web

04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 61342	Web

04/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76704	Web

04/15/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60510	Web

04/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44102	Web	Servicemember

03/30/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	ND 58554	Web

03/30/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 27609	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 86327	Web

03/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33971	Web

03/12/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 16830	Web

02/28/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	AL 36701	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90042	Web	Servicemember

02/12/2023	No	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 14616	Web

01/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 86409	Web

01/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95122	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92344	Web	Servicemember

01/06/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84335	Web

12/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	VA 22315	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93063	Web

12/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30273	Web

11/19/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38141	Web

10/24/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94086	Web

10/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	MA 02767	Phone

10/16/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 31792	Web

10/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90056	Web

09/27/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

09/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91916	Web	Older American

09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92025	Web

08/18/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34609	Web

08/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90043	Web

07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75248	Web

07/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90501	Phone

07/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91789	Web

07/06/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NH 03104	Web

06/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94127	Referral

05/27/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91321	Web

05/23/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 43224	Web	Servicemember

05/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90731	Web

05/13/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WA 98502	Web

05/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30531	Web

04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75056	Web

04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95062	Web

04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92374	Web

03/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32327	Web

03/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91766	Web

02/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21117	Web

12/11/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 13760	Web

11/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34988	Web

10/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60417	Web

10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98204	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Phone

09/20/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90018	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MN 55904	Web

08/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92024	Web

08/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92860	Web

07/14/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 43081	Web

07/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23323	Web

06/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ 85254	Referral

06/20/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NV 89129	Web

05/18/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85283	Web

05/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Web

03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43017	Web

03/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23223	Web

03/05/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33401	Web

02/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 06907	Web

02/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98023	Web

01/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11237	Web

01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web

12/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30252	Web

12/19/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23238	Web

11/25/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90274	Web

11/16/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount		Phone

11/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23238	Web

11/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85283	Fax

10/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33029	Web

09/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11231	Phone	Servicemember

09/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90404	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85308	Web

08/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91708	Web

08/05/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 07624	Web

08/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94588	Web

07/16/2020	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AK 99702	Web	Servicemember

07/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32814	Web

07/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35906	Phone

07/12/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90033	Web

07/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid		Phone

07/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85233	Web	Servicemember

06/26/2020	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	WA 98148	Web

05/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76051	Postal mail

04/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20772	Web

04/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31406	Web

03/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95008	Web

02/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92704	Phone

01/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11201	Postal mail

01/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 13797	Postal mail

12/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22191	Web	Servicemember

12/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10475	Web

12/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94131	Web

11/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87144	Phone	Servicemember

11/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10011	Referral

10/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60056	Referral

10/14/2019	No	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30308	Web

10/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 96091	Web

09/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32829	Web

09/20/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 20148	Referral

09/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 630XX	Web

09/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11361	Phone	Servicemember

08/20/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 11361	Web	Servicemember

08/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	XXXXX	Postal mail

07/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95973	Web

06/25/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	OH 44077	Phone

06/21/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92883	Web

06/19/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28124	Web

06/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90605	Web

06/07/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97068	Web

05/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19711	Web

05/02/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 20171	Web

04/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98374	Web	Servicemember

04/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40422	Web

04/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

03/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89511	Referral

01/25/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web

01/21/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60601	Web

01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32216	Web	Servicemember

12/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10026	Web

12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97007	Web

11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93291	Postal mail

11/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90291	Phone

10/10/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93291	Web

09/24/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23451	Web

08/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90035	Web

07/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53144	Referral

06/20/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92704	Web

06/08/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29910	Web

05/02/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web	Servicemember

04/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10065	Postal mail

03/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

03/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32826	Web

02/14/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	IA 50263	Web

02/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92625	Web

01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07086	Fax

12/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30033	Web	Servicemember

12/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94117	Web

07/24/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web

06/29/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	WI 53213	Postal mail

06/28/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29679	Web	Older American

03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02493	Web

01/23/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94133	Web

01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92116	Phone	Older American

12/02/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 91792	Phone

11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13066	Web	Older American

10/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98178	Web

09/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10007	Web

09/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70605	Web

12/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94611	Web

11/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20815	Referral

09/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90802	Phone

08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91017	Phone

08/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89134	Web

07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92677	Referral	Older American

06/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32129	Referral

06/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90405	Web

03/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 91423	Web

02/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85377	Postal mail

01/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KS 67208	Web

12/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60053	Web

12/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 90503	Web

11/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98665	Web	Older American

11/15/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43202	Web

11/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33434	Web

10/14/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91723	Web

10/06/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29609	Web	Servicemember

10/01/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 79922	Postal mail

09/19/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	WA 98001	Postal mail

09/04/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90039	Referral

08/27/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91763	Referral

07/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29609	Web	Servicemember

07/04/2014	No	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	CA 90016	Web

02/24/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47111	Phone