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Fresno Credit Bureau (FCB) is a third-party collection agency based in California that specializes in medical and agricultural debt. FCB has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failure to verify debts and attempting to collect debts not owed. If you have been contacted by FCB, understand your rights before taking action.
According to the Better Business Bureau (BBB), Fresno Credit Bureau was founded in 1935 and incorporated in 1953. The BBB established its profile page in 1958 under the name Creditors Bureau USA. The BBB lists Creditors Bureau USA a collection agency that uses that alternate business name, Fresno Credit Bureau. Buzzfile estimates FCB’s annual revenue at $3.4 million and the size of its staff at 31 people. Buzzfile also indicates that FCB also uses the alternate business name, Creditors Bureau of California. In addition, Buzzfile has listed a secondary website at www.anatomicalrevenue.com; however, this site is not currently accessible.
The Fresno Credit Bureau website is located at www.fresnocredit.com. This site consists of one page that identifies Fresno Credit Bureau as the alternate business name of Creditors Bureau USA, and contains a large, hyperlinked button labeled, “Click here to jump to Home Page.” The Home Page link leads to FCB’s main site at www.creditorsbureau.com.
According to FCB’s website at the Creditors Bureau web address, FCB “combines cutting edge technology and skilled personnel to offer…a rewarding and professional relationship… in the healthcare field & commercial/legal field… inclusive of numerous Fortune 500 & 100 companies, specialty physician billing groups, hospitals, and premiere laboratories throughout the Western United States.”
FCB’s “comprehensive collection process…returns the highest amount possible using specialized collection protocols… named Anatomical Revenue.” FCB describes this proprietary collection process as “the nation’s most successful Laboratory collection solution available.”
Fresno Credit Bureau clients are from the healthcare and irrigation industries. Their healthcare division offers patient-centric accounts receivable management. Their irrigation recovery division services the credit accounts of farmers and agricultural organizations. Finally, their business-to-business commercial division uses litigation to resolve outstanding commercial debts.
FCB’s website does not contain any information about compliance policies or employee training. There are no consumer protection resources or links or references to consumer protection laws or enforcement agencies.
The BBB has closed 7 complaints against Fresno Credit Bureau in the past three years, with 1 closed in the past 12 months. Most of those complaints allege problems with advertising and sales. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 12 complaints about FCB. Justia lists at least 7 cases of civil litigation involving either Fresno Credit Bureau or Creditors Bureau USA.
Absolutely. Here are some Sample Cases against Fresno Credit Bureau.
Complaints against Fresno Credit Bureau commonly cite errors in billing and other documentation leading to efforts on the part of FCB to collect debts that may not be owed. On June 23, 2015, a complainant indicated that she had received a collection notice from FCB for medical lab services from Quest Diagnostics. She disputed the debt, indicating that the lab service should have been covered by her insurance and that Quest had made a billing error by mailing the bill directly to the primary care physician. The complainant’s attempts to resolve the dispute directly with Quest were unsuccessful. In response, FCB indicated that they had received two accounts in the complainant’s name. Upon receiving the complaint, FCB indicated that they “immediately placed the account on hold and contacted the provider.” However, FCB also indicated that “one of the accounts had been cancelled by Quest Diagnostics” on June 1, 2015; the other had been “cancelled by Quest Diagnostics on 6-17-15.” Both of these dates precede the date of the complaint. As a result of the complaint, Fresno Credit Bureau mailed cancellation letters to the complainant.
In July 2015, a complainant indicated that he had been notified of collection efforts for a bill from Quest Diagnostics. The complainant indicated Quest had nothing in their system, and that he had not been informed of any outstanding charges nor had he received any documentation. He also indicated his name was misspelled on the collection notice. He expressed his belief that the collection notice was the result of fraud and that he intended to contact the police. In response, FCB indicated that the account had been placed for collection in June 2015, and that they had sent the appropriate notifications to the complainant. FCB claims the creditor verified the debt as the result of an insurance denial and insisted that the complainant had provided authorization to process his credit card to pay the balance in full. Their response acknowledged phone contact from the complainant disputing the debt and insisted that they had verified his address and documented the incorrect name, which was corrected and updated. Fresno Credit Bureau indicated they had sent an itemized list of the charges the same day, and that the complainant had indicated he would review the information and pay if he agreed it was valid.
Fresno Credit Bureau
757 L Street
Fresno, CA 93721
Telephone: (559) 485-7900
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a 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.
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.
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