Credit Bureau Associates Inc or CBA is a third-party collections and credit reporting agency based in Northern California. CBA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and using false or misleading information in an effort to collect a debt.If you have been contacted by Credit Bureau Associates, make sure you understand your rights before taking action.
- Who is Credit Bureau Associates?
- Is Credit Bureau Associates a Scam?
- Credit Bureau Associates Complaints?
- Can Credit Bureau Associates Sue Me or Garnish My Wages?
- Credit Bureau Associates Lawsuits
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- How Do I Stop Credit Bureau Associates Debt Collection Harassment?
- How Can I Delete Credit Bureau Associates from My Credit Report?
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According to the BBB, Credit Bureau Associates, Inc. was founded in 1947 and incorporated in 1996. The BBB established a profile page for CBA in 1993. CBA is listed as a collection agency and credit reporting agency that uses the alternate business name, Kelkris Associates. Buzzfile estimates CBA’s annual revenue at $3.1 million and the size of its headquarters staff at 27 employees.
According to its website, Credit Bureau Associates “provides credit reporting and collection services to credit grantors locally and nationally.” CBA’s staff is trained to provide “consumer and business credit reports and to recover…outstanding accounts.” In addition, CBA “provides a free pre-collection service, and their check recovery program is popular among their merchant clients.”
CBA’s credit reporting services provide tenant screening reports with records of evictions, employment screening, criminal background searches, and business credit reports. They also offer criminal and public record searches from county and federal courts.CBA’s employment screening reports verify applicants’ addresses, financial health and stability, public record information, and fraud warnings not available via traditional employment interview processes.
CBA’s collection services include a free letter service “offering the person the opportunity to pay the account in full…with a remittance envelope addressed directly to” the client. The direct collections division “sends notices, makes telephone calls, searches all property databases, skip traces, verifies employment, verified assets, and accesses credit report databases.” Their bad check recovery division is “designed to assist retailers and business owners in recovering NSF and Stop Payment checks.” CBA’s judgment recovery staff locates “attachable assets on money judgments.” Finally, CBA’s commercial collections division employs “specialized collectors who understand the process of recovering monies due… from other businesses.”
Credit Bureau Associates is a member of several professional associations. Their Consumer Services pages provide fairly extensive information about consumer protection laws.
As of March 2018, the BBB has given Credit Bureau Associates a rating of NR (No Rating). In addition, they have closed 11 complaints against CBA in the past three years, with 4 complaints closed in the past 12 months. The largest share of those complaints alleged problems with billing and collections, with several additional complaints alleging problems with advertising and sales or customer service. Since July 2015, the Consumer Financial Protection Bureau (CFPB) has closed 31 complaints against CBA. Justia lists at least 9 cases of civil litigation involving Credit Bureau Associates.
Credit Bureau Associates, Inc. Contact Information
Credit Bureau Associates, Inc.
460 Union Ave., Ste. C
Fairfield, CA 94533-6334
Telephone: (707) 429-3211
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Credit Bureau Associates 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 Cases against Credit Bureau Associates, Inc.
Complaints against Kansas Counselors commonly cite problems resulting from disputes about billing documentation and validation. In April 2017, a complainant indicated that after assuming responsibility for his father’s finances after his father had been diagnosed with dementia, he received a collection notice from KCI indicating his father owed money “from an ambulance ride he had in October 2016.” The complainant indicated that he did not dispute the bill because his father had “not been on top of paying his bills” since his diagnosis. The complainant provided Kansas Counselors with his father’s credit card number to pay the outstanding debt, but when he subsequently spoke with the medical provider, he was informed the bill had already been paid. Specifically, a representative at the ambulance company told him that “someone had paid $251.88 and that they will credit the account and the complainant can pay the remaining $94.12.” The complainant thought this report of previous activity was suspicious, but when he requested additional information, they told him they could not provide it. After speaking with the representative, he did “a reverse lookup on the phone number and it was identified as a collection scam.” When he contacted the credit card company, they advised him to file a transaction dispute. He concluded his complaint by asserting his understanding to KCI that his father “does not owe anyone any money related to this ambulance ride” and that he “wants his money back.”
In August 2016, a complainant indicated he had been treated for a wound at an emergency room in 2010 at a time when he was covered under his parents’ insurance. Although he acknowledged that the emergency room may have had a different billing service than the hospital itself, he insisted he had never received any bills and therefore assumed his insurance company had paid for it. He also indicated he had paid the copay at the time of service. Regardless, six years later, the item was reported as a delinquency on his credit report by Kansas Counselors, which had apparently been turned over to them by the medical facility back in 2010. The complainant was upset for two reasons: the medical facility and insurance company had failed to provide him with the billing statements that would have given him the opportunity to resolve the matter before it became delinquent; and KCI did nothing for six years before reporting it as a delinquency. In response, KCI attempted to educate the complainant about medical and insurance billing, informing him that ensuring all the billing paperwork was processed correctly was his responsibility, not that of the insurance company or of the medical facility. As a result, Kansas Counselors argued that their having reported the item as a delinquency was business as usual. Although KCI stressed that they were not legally obligated to do so, they indicated that they had researched the billing dispute and would provide the complainant with the requested information
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt 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.
We can make them STOP!✋
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.
What Our Clients are Saying
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
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“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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