Debt collection -- False statements or representation -- Complaint #5204713
Complaint Overview
Complaint ID: 5204713
Company: Cedars Business Services, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: North Carolina
ZIP Code: 27407
Date Received: 2022-02-09T12:00:00-05:00
Date Sent to Company: 2022-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5204713 about?
Complaint #5204713 was filed against Cedars Business Services, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-02-09T12:00:00-05:00.
How did Cedars Business Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cedars Business Services, LLC?
Yes, visit the Cedars Business Services, LLC company profile at readthecomplaint.com/company/cedars-business-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.