Debt collection -- False statements or representation -- Complaint #5990914
Complaint Overview
Complaint ID: 5990914
Company: Credit Bureau Systems, INC., Paducah, Ky Branch
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Missouri
ZIP Code: 657XX
Date Received: 2022-09-16T12:00:00-05:00
Date Sent to Company: 2022-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I spoke with a person named XXXX on XX/XX/22 to make arrangements to settle mine and my husbands combined medical debt. My balance was approximately {$1800.00}. I don't remember the exact amount. We agreed on around {$1400.00}. I told her I could pay XXXX on XX/XX/22 and that I could pay the remainder {$200.00} ( and something ) on XX/XX/22. She explained that the agreement was good until XX/XX/22. I paid the {$1200.00} on XX/XX/22. When I called back on XX/XX/22 to pay the balance of the agreed upon settlement, she said that I would have to pay the full amount because I didn't pay the agreed amount in full on XX/XX/22. I argued about this since she's the one that made me an offer that would expire on XX/XX/22. Her explanation was that she was sorry but she was new and didn't know better and could not honor the agreement. My husband is XXXX and we have several medical debts that we have been trying very hard to pay off. I would have paid off several smaller debts with the {$1200.00} and just paid them monthly payments if I had known they were going to do this. Or waited until XX/XX/22 when I would have had the full agreed upon amount. I don't understand how they can do this to people.
Frequently Asked Questions
What is Complaint #5990914 about?
Complaint #5990914 was filed against Credit Bureau Systems, INC., Paducah, Ky Branch regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-09-16T12:00:00-05:00.
How did Credit Bureau Systems, INC., Paducah, Ky Branch 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 Credit Bureau Systems, INC., Paducah, Ky Branch?
Yes, visit the Credit Bureau Systems, INC., Paducah, Ky Branch company profile at readthecomplaint.com/company/credit-bureau-systems-inc-paducah-ky-branch 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.