I had a hospital bill from 2003 that became delinquent due to dispute with the billing department. Unable to resolve the matter after numerous attempts, my account was turned over to a reputable local collection agency (NOT CBCS).
The account was turned over to CBCS and that's when the harassment began. A representative of CBCS, Mr. Reed, began calling in the early morning as well as weekends. After recognizing the phone number and reading the fraud reports on the internet, I would occasionally answer the phone to find what new scheme he would use.
He had told me that if I paid the balance in full, the account would be cleared from my credit bureau report. Having worked in the financial field, I knew that the best that would happen would be the account report would change from collection account to paid collection account. Collectors have no authority over the credit reporting agencies and cannot have poor credit removed unless the information was inaccurate in the first place.
The most recent call I received, Mr. Reed provided his real name, however, he fraudulently stated that he represented the Fraternal Order of Police and was looking for a contribution. All he needed was information from one of my credit cards.
Don't provide any information to CBCS. Write down the phone number or have it blocked to avoid additional stressful harassment. If you do have a conversation, take notes of the questions asked, attitude, etc.
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