CFM Group LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/04/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30040	Web
The originator of the debt is XXXX XXXX . We canceled our phone and internet service with them and switched to XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each one the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company, CFM Group , phone # XXXX , Representative XXXX XXXX has been calling at least once a week. Last week Thursday XXXX 2017 we told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call XXXX XXXX and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However, XXXX XXXX of the CFM Group, decided that our response was n't acceptable. So today X/X/ 2017, he c alled 5 tim es in 10 minutes. The first 3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a 3rd time and she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was XXXX again, told him that he has called multiple times in 10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by XXXX XXXX . Some of these collectors think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.
03/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 94501	Web
In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. I said, ok and in good faith gave my bank account number. Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. Thank you
06/25/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 08527	Web
my business closed the merchant account with the XXXX XXXX XXXX at the end of XX/XX/2019, and they said they'd send the email for return merchant card machine to my email. But I didn't received it at all after 3 weeks, so I called them back XX/XX/2019 and they sent the information, it was sent to the junk/scam email box. I sent the machine out XX/XX/2019 and was delivered on XX/XX/2019 at the XXXX office as they required. yesterday XX/XX/2019 I was called so many times by debt collection company CFM ( Capstone Financial management, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) for asking to pay the charges over {$2000.00} for not return the merchant credit card machine to XXXX XXXX XXXX ( XXXX ) firm. The CFM and XXXX didn't send me any notification letters about the debt and not receive the machine for 4 months from the date I closed my account with XXXX and sent the machine back to the XXXX. The Capstone Financial firm did illegal/fraud action when calling my store to ask money as I know the debt collection firm will always send the notification letters details about the debt collection, reasons, company information, .etc.. .They waited for long time so they could try to scam to get money from me cause they know it's hard to track the shipping and with the USPS ( just 120 days for tracking records ). I received the email from Total merchant on XX/XX/2019 for information of return machine, and this email was sent to the scam/junk email ( I didn't know what wrong with the XXXX firm, like scam firm ), i had to move that email to my normal email box. I had all records for shipping sent out on XX/XX/2019 and the package was delivered at XXXX office on XX/XX/2019. Please help me to investigate and audit these 3 businesses ( XXXX XXXX XXXX XXXX, Capstone Financial management XXXX, XXXX XXXX XXXX XXXX ) and please Help me solve this issue, give back the right for me and my business 's reputation as my business didn't owe any money or equipment to these companies. And keep these companies away from trying to scam money from more people, more businesses.
09/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33060	Web
Hi, My name is XXXX XXXX. I live in Florida. I had a small grocery store in XX/XX/XXXX. For the credit card transaction I call the XXXX XXXX XXXX. This is a credit card processing company. After the contact they provide me a free credit card terminal ( XXXX XXXX. Market value of this terminal around {$150.00} ). Its free for me as long I want to use their service. If not, I have to return them this terminal. I make business with them almost one and half years with no issue. In XX/XX/XXXX hurricane Erma came in Florida. And I get suffered very badly from hurricane Erma. The all city was out of power more than 10 days. So my business was closed more than 10 days. When power came back, I open my store and I saw my was totally empty. Some guys broke my store from back side and they stolen all Cigerates, beers, wines, sodas, juice, milk, candys, computer, laptop, all the groceries and valuables things. They also stolen that credit card terminal too. First I call the police for make a police report. Then I call the credit card processing company XXXX XXXX XXXX and splaying them what happens to my store and the terminal was stolen. They told me dont worry, we going to takecare of that. After that they never contracted with me. 7 months later suddenly I get a letter from a collection agency ( name : - Capstone Financial Management ). They try to say that I have pay {$3100.00} for the stolen terminal. I asked them the terminal market value is around {$150.00}. Why I have to pay {$3100.00}? They cant give me right answers. They told me, they gon na talk to XXXX XXXX XXXX and then let me know. They never call me back. I talk to XXXX XXXX XXXX, they told me they gave me 3 terminal and they gon na charge me {$1000.00} for each terminal. This is not true. They totally wrong, false, and lies. They never gave me more than one terminal. They are trying to charge me illegally. This is a bad company and they are doing fraud me.
11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 105XX	Web
I am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.
04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11223	Web
I was contacted by XXXX XXXX of CFM Group of XXXX GA regarding a supposed {$680.00} debt from XXXX XXXX about a credit card machine that I owe. I signed a 3 year contract with XXXX a long time ago with a business that is now closed. The contract stated that in order for me to get the machine for free, I would need to fulfill a 3 year term. Little did I know it had a clause about auto-renewal. XXXX never contacted me in regards to the machine, waited a couple of years and sold my account and this supposed debt to CFM claiming I owe them the machine. Not once did I receive a notification by mail regarding this matter, even though I have given XXXX XXXX my home address. The only thing they sent me ( by email ) is a vague contract from XXXX. I have reviewed the contract and no where does it state the price of the machine and what I would need to pay. I have asked XXXX repeatedly to verify my debt and send me an invoice, any kind of invoice with the amount and detailing how much I owe ... and he has not done so. I even spoke to his supervisor who stated they dont have that information, all they get is an amount in an XXXX sheet from XXXX and are unable to provide me anything other than the contract. I wanted to send a legal correspondence to NAB and have asked them for a physical address ( XXXX XXXX XXXX ) and they refuse to give it to me. I 'm assuming this is so that they can say I never sent anything since I will not get delivery confirmation. In addition, XXXX constantly emails me my full social security number and I have asked him not to do so numerous times. My email was recently hacked and I 'm afraid my personal information is out there.
08/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22405	Web
To Whom It May Concern : I am a Business Owner for XXXX XXXX XXXX XXXX XXXX XXXX, I used XXXX XXXX XXXX for my Merchant Service ( Credit Card Processing ), for years. I became dissatisfied due to the company always deducting fees from my Bank Account that were not specified in the Original Agreement. On XX/XX/2018 I closed the account and was told there would be no additional charges to my account as long as I returned their equipment within 10 days which I did. I never heard from the company again, until last week. A Collection Agency contact me and said that I owed for the equipment {$1300.00} and was very willing to make a {$800.00} settlement. The XXXX XXXX XXXX Company never notified me in any way to tell me that they did not receive the equipment. Unfortunately I do no keep shipping tracking receipts for 9 months. After a few month past I thought everything was settled It was shipped in plenty of time for them to receive it. One reason that quit doing business with this company is because they seemed to use shady tactics to collect more money from my account numerous times. When I would called they would quickly erase it.
06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30045	Web
I have started receiving calls regarding a credit card equipment that I had from XXXX XXXX XXXX card while I was using their service. After I stopped using their service they advised me that equipment was not needed back as it was outdated. After about a year I got a call from capstone collection agency from XXXX asking for {$360.00} for the equipment. I explained them what I wrote above and also told them that I still have the equipment and is no use for me so I can still return it. Obviously that would not do good to their pockets so they kept harassing me and threating me that they would spoil my credit and I would retreat not paying them. Today I received the call again and guy on phone threaten me again and told me watch what I will do to your credit, I told me clearly Im more than happy to return the equipment which is what they dont want because they are simply after money. I have checked out capstones reviews as well and they have done this to many of people. Someone with the authority should take some action against them. This isnt right for the sake of greed they threat and abuse people.
11/19/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 94580	Web
XXXX XXXX, with CFM Group, contacted our company via email attempting to collect for open invoices. We requested signed Proof of Deliveries ( P.O.D. ) for the invoices before the invoices would be paid immediately and to contact the vendor 's district manager in regards to this matter. Ms. XXXX stated that invoices do not need a signed delivery verification. I stated that we have a written contract with the vendor requiring signed P.O.D. 's before invoices would be paid. Ms. XXXX stated that she had a copy of the contract and that it states no such requirement. I asked for a copy of the contract to be emailed to me. Her email response : " I will just allow this debt to remain her in collections and on your credit as negative mark. Will not go back and forth with you in regards to your credit/debt. '' In conclusion, Ms. XXXX used lying tactics in order to collect this debt. If copies of the email correspondence are needed, please do not hesitate to request the correspondence from me.
09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 14043	Web
I was harassed by a company called cfm about a debt over a credit card machine from XXXX, I had started a small business, I started seeing fees and money being syphened out of the account by XXXX, more than the terminal was processing, the location was then moved and the rep switched out the machine, still money kept getting taken from them and the account was cancelled, there re rep was no longer available, and they all of a sudden called me out of the blue threatening me about a account balance, for the agreement on the machine, we agreed to a settlement, then i started getting more calls turns out the rep redid the contract for an additional 3 yrs with a new account number and now they are threatening for payment on that, again a settlement was reached and now all of a sudden XXXX put a unpaid balance on my credit report, as it stands i finally got an email company poorly written of the contract which does not contain my signature but some else signed my mane too, there rep rep )
01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 92011	Web
Our company has an outstanding balance due. We have been in constant contact with the company we owe. They sent our account to a collector at CFM Group without correcting our dispute with them. CFM calls the front desk to be transferred to my line even though I asked him not to call the front desk since we are an XXXX our girls at the desk are too busy to be bothered by him. He then leaves me voice mails back to back for at least 2 hours every day. As of today I asked him to stop calling or I would be left with no other choice but to report him for improper practice. The harassment has to end as of today i have XXXX voicemail 's back to back after my last talk with him of him just breathing heavy into the phone. I know its him since I have called ID!! This has gone on for well over a month every day. He is demanding, rude, inconsiderate, demeaning, and chauvinistic.
07/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 528XX	Web
The company I work for is involved in a bill dispute. The bill was referred to CFM Group. I get repeated calls on my personal cell phone for payment of this bill. I have tried to explain that the bill is being disputed and the person on the phone yells at me to pay my bills. I have tried telling them that I don't owe any money and I would like to speak with a supervisor. I get told that supervisors don't speak to dead beats who don't pay their bills. I have asked for my personal cell phone to be removed from their call list and I am told it will be when I pay the bill. My cell phone gets called repeatedly when I hang up on the lady calling. If I answer again I am yelled at to pay my bills. This company refuses to listen to me that I, personally, am not rresponsible for this bill and I get harrassed over it. I have finally tried blocking the number that calls me.
03/06/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL XXXXX	Web
I was contacted late last week about a supposed debt I owed on behalf of my company. Never received any documentation or correspondence prior to this debt collector calling the business. Since I had switched banks, it seemed plausible that it may be correct. I have him my email address and told him to email me evidence of what he was saying. In the email he sent with evidence, he said I have 4 days to pay this amount in full before it goes to the credit bureaus as a collection. Thats giving me 1 week to make the payment in full. A payment that I havent even verified I owe yet. This seems ridiculous and like a strong arm tactic to try to get someone to pay something they may not even owe. Obviously, if I owe the debt Ill pay it. But not within such a short period. Please advise.
01/10/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 20170	Web
On XX/XX/2016 I was contacted by - - of CFM Group of - GA regarding a balance of {$610.00} debt from - Global payments - about a credit card Merchand that I owe. with a business that is now closed., with XXXX - never contacted me in regards to of closing my account waited a couple of years supposed debt to CFM claiming I owe. One minutes because I closes my account one minute that I suppose return credit card machine which I do n't have Not once did I receive a notification by mail ... I call payanywhere they told me what I own is XXXX I need help
02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27615	Web
I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!
02/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 076XX	Web
We were operating under a license from XXXX XXXX XXXX and terminated our relationship with them as of XX/XX/2018. We then terminated our business with one vendors, XXXX, who continued to bill us after termination of service. Now, we have collection agency demanding payment for services/products that were not provided to us. We have asked this company to stop contacting us, yet they continue to do so. CFMGROUP, LLC XXXX XXXX XXXX XXXX, GA XXXX We do not owe any debt to the original vendor nor to this agency.
03/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77479	Web
I actually do n't know whats going on seens i have XXXX i have accesses of my credit info, my credit went down from excellent to good because of this creditor called CFM GROUP XXXX, GA XXXX I do n't recall if i have got any phone calls or latter from them and i do not recall if i own anybody any kind of money.
09/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 157XX	Web
I never signed anything for this debt, nor do I owe anything. also the statute of limitations on this debt are up, this company is fraudulently destroying my credit score. and the representative is being very rude to me,
08/04/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30066	Web
this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao
08/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10541	Web
I do not know what this account is, no one from this company has ever tried to contact me about this debt. If I know about it I would have paid.
04/01/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KS 672XX	Web
Very abusive debt collector with profanities would not stop calling even when told the company no longer exists. XXXX XXXX XXXX CST
02/27/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07104	Web	Servicemember
I just checked my credit score online and noticed a collection agency named CFM group was trying to collect a balance of {$230.00}
12/09/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92806	Web

08/26/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22314	Web

07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36526	Web	Servicemember

11/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93275	Web

10/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30067	Web

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CO 80905	Web

03/24/2017	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 30030	Web

03/24/2017	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 30030	Web

01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 17601	Referral

12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33312	Referral

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30075	Web

02/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92011	Web

11/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30093	Web

01/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34746	Web

10/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 90066	Web

09/04/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NC 27009	Web

05/01/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63042	Web

04/10/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75019	Web

12/19/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60130	Web