Collection Bureau of Hudson Valley, Inc. (CBHV) is a third-party collection agency based in New York. CBHV has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including illegal communication tactics and attempting to collect debts not owed. If you have been contacted by The Collection Bureau of Hudson Valley, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), The Collection Bureau of Hudson Valley, Inc. is a legitimate collection agency founded in 1974 and incorporated in 1977. The BBB established its profile page in 1978. CBHV uses the alternate business name Healthcare Billing Service of New York, Inc., and has three alternate website addresses: www.cbhvfinacial.com; www.cbhvhealthcare.com; and www.heathcarebillingserviceofny.com. Buzzfile estimates CBHV’s annual revenue at $8.5 million and the size of its staff at 85 people.
According to its main website at www.cbhv.com, CBHV’s mission is “to recover the maximum amount of revenue for…clients, in an extremely professional and ethical manner.” CBHV offers collection services in three main areas: pre-collect programs; collections; and litigation. CBHV’s pre-collect division “is intended to bridge the gap between a client having to continue to bill and follow-up on delinquent accounts and the client having to refer the account for collection,” and employs a “series of demand letters along with telephone demand on accounts that are only 10 to 150 days delinquent.”
CBHV’s collections division cites compliance with “all applicable Federal and State laws, including the Federal Fair Debt Collection Practices Act (FDCPA), Public Law 95-109, and the Health Insurance Portability and Accountability Act (HIPAA).” Their collections process uses telephone campaigns to establish initial contact; dunning letter campaigns; asset searches; a variety of payment options; and skip tracing software. When collection efforts fail, CBHV’s litigation service will pursue civil litigation for accounts in which “attachable assets or employment is verified.”
CBHV services the healthcare, financial, communication, education, energy, and government industries. Their website is entirely client-facing and does not offer links or references to consumer protection resources.
As of October 2017, the BBB has closed 15 complaints against Collection Bureau of Hudson Valley in the preceding three years, with 8 closed in the past 12 months. Most of those complaints allege problems with billing and collection. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 35 complaints against CBHV. Justia lists at least 1 case of civil litigation naming CBHV as a defendant.
Collection Bureau Hudson Valley, Inc.
155 North Plank Road
PO Box 831, Newburgh, NY 12551-0831
Telephone: (800) 745-1395
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CBHV would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints.
Consumer complaints against The Collection Bureau of Hudson Valley indicate a tendency to report inaccurate information to the credit reporting agencies and to fail to provide accurate verification and documentation of amounts and debts allegedly owed. In September 2016, a complainant indicated that he had acquired a debt through a credit union savings account. The original balance owed was allegedly $1,019.47, and it was settled in full, according to the complainant. The complainant reports that CBHV sent him a collection notice demanding payment for $404.51 in additional charges and fees, without sending any additional documentation to explain how they calculated the amount. In response, CBHV told the complainant that they had sent him numerous notifications of the requested information, but that their mail is always returned as “undeliverable as addressed” after updates by the National Change of Address (NCOA) database. CBHV claimed, “There is no way for us to bypass the NCOA, so the consumer would need to update his information with the postal service or provide another way for us to communicate with him.”
In May 2016, a complainant indicated that The Collection Bureau of Hudson Valley representatives had contacted him on numerous occasions, and each time he requested debt validation that he never received. Regardless, the delinquent account information was reported to the credit reporting agencies, “even… though per the FCRA if they cannot validate the debt they must stop all calls and remove the information from credit reporting agencies.” In response, CBHV insisted that they had previously mailed the missing information, indicated that they had re-mailed the requested information, and said that they had “sent a request to the credit reporting agencies to have this item removed from the consumer’s credit report.”
Finally, in December 2015, a complainant indicated a delinquency from a healthcare provider had been reported to the credit reporting agencies. He insisted that he had never attended or received services form the healthcare provider indicated in the negative report. He reviewed all his records and confirmed that he had not been in a hospital during the time alleged, and furthermore that as a hospital employee, he would have walked “without having to pay for the emergency fee which is not $656.” In response, The Collection Bureau of Hudson Valley indicated that they “sent a request to the credit bureaus to update the status of this account to ‘Disputed’ and have forwarded an itemized bill for the account in question to” the original creditor, insisting that the “charge is for the Emergency Room Physicians, which is separate from the Hospital charges.”
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate how collection agencies may conduct themselves.
The FDCPA prohibits actions such as the use of abusive or threatening language; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when attempting to communicate with collection agencies.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are having difficulty resolving a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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