Debt collection -- Written notification about debt -- Complaint #7359526
Complaint Overview
Complaint ID: 7359526
Company: Cedars Business Services, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Washington
ZIP Code: 98033
Date Received: 2023-08-06T12:00:00-05:00
Date Sent to Company: 2023-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Cedars Business Services sent me a notice to collect a debt on Behalf of the XXXXXXXX XXXX XXXXXXXX ( XXXX ). After reviewing the information, I ascertained that the original debt had not been noticed within the deadlines for notification and was therefore not collectible. When I attempted to get Cedars representatives ( 2, including a supervisor ) to confirm that the letter they sent me confirmed this fact ( both the date the deadline began ( XXXXXXXX ) and the date of first notices ( XX/XX/XXXX + XX/XX/XXXXXXXX ) were written on their letter, they refused to read the letter over the recorded line and to confirm that the debt was not collectible. I finally ended the call after trying to talk sense into someone who was clearly in the wrong and had no interest in the unfortunate facts. They were in my opinion very rude and abusive as I tried to call and handle this amicably. The first I am hearing about this is almost 40 months after the violation.. that doesn't seem right and I am glad I investigated. The letter from Cedars included both a notice with login information to pay the fine and information about previous reminders that had been sent by the XXXX XXXX XXXXXXXX, along with a copy of the Fine/Violation. The Violation notes that Article 201, paragraph 1 of the Traffic Code and art.386 of the Traffic Code Regulation govern the deadlines for notification - which clearly state that the notice must be sent to violators living outside of XXXX within 360 days. The Cedars letter confirms XXXX sent notices more than 13-months later in early XXXX The individuals I spoke to, including a supervisor- continually transferred me around and tried to obfuscate the facts instead of simply reading to me the facts that Cedars had already sent to me in their letter, which demonstrated to me that the debt had not been appropriately noticed and therefore was not collectible.
Frequently Asked Questions
What is Complaint #7359526 about?
Complaint #7359526 was filed against Cedars Business Services, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-08-06T12:00:00-05:00.
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.