Complaints

• Initial Complaint

  07/15/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for any debt to CREDIT BUREAU OF YORK INC (CYB Systems) i do not have a contract with the collection agency trying to collect from me. They did not provide me of the original contract as requested!

  Business response

  07/17/2023

  ****************** disputed the debt and we have validated the debt and sent him documentation. The debt is valid and he balance is owed. 

• Initial Complaint

  05/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On August 25, 2022, my husband and I moved out of ***** ***** ******* Apartments in Virginia Beach, VA, which is managed by The ********* *******. After moving out, we received an invoice in the amount of $1509.00 (September 19, 2022) claiming that we were being charged for damage to the carpet in the entire apartment and other items. On September 24, 2022, I sent them a letter disputing these charges because we did not cause damage to the carpet. I requested evidence of such damage and evidence that an attempt had been made to clean the carpets (which is a landlord's responsibility under Va. law). In response, they sent me some black and white pictures that did not show the damages they were alleging, and no evidence of an attempt to clean the carpets. In my letter to them, I also pointed out that even if we were responsible for damages (which we are not), the amount would not be a full replacement cost of the entire 3-bedroom apartment as the invoice stated, but would be only a portion and based on the actual cost, life expectancy, and other factors. Their response to me was that "the amount was already prorated" with no information about original cost or breakdown of how it was supposedly prorated. I also believe that if the carpet was damaged, it was more than likely due to leaks in the roof/siding that we would not have known about and was not caused by us. I have pictures of the apartment that I took prior to moving out, and the entire apartment was cleaned thoroughly and the carpets were vacuumed thoroughly and appeared in reasonably clean condition. I also have records of a maintenance request that I submitted in 7/2021 because of water pouring into the ceiling and wall of our apartment, and the roof was replaced months later, but the interior water damage inside our apartment was never repaired. Rather than correct this, ***** ***** ******* sent the account to a collections agency: CBY Systems, Inc. 33 S. Duke Street York, PA 17401-1401. This company has now reported negative information on my credit report. I contacted them by letter on November 29th, 2022, and again on December 30th, 2022, explaining that this charge was not justified and requesting that they cease collection efforts. Rather than actually consider the information that I provided, they reported the collection account and an additional $500.00 for fees, totaling $1909.00 to at least 2 credit bureaus on March 10, 2023. I have disputed these with the credit bureaus, but that has not been successful. If this were to be heard in a Virginia Court, ***** ***** ******* would not be successful as we did not cause damages they allege, and I have evidence that shows that. However, I have no desire to file a suit against them for $30 remaining of a security deposit. I believe that they count on most people just paying these things because they do not feel like they have any recourse. I just want this off my credit report.

  Business response

  05/04/2023

  On 10/31/22 CBY sent **************** a letter 1 stating their account had been sent to CBY. On 12/7/22 CBY received a dispute letter from **************** and a co-maker on the account (attached). This letter only stated that the debt was not valid and that they were disputing. A week later on 12/14/22 validation documents were sent to **. ************ through the mail. Another dispute letter was received from **************** and the co-maker on 1/5/23 (attached). This one stated again that they do not agree with the debt and to cease communications. The second letter was the only time the carpet was mentioned to CBY and did not include any photographs or other evidence. Due to the request to cease communications no action was taken. Since that time, three online disputes have come through and were validated on 3/30/23, 3/31/23, and 4/19/23.
  
  CBY has only received the two dispute letters and no other documentation or correspondence from **************** concerning this account. The additional fee mentioned by **************** was the collection fee ($477.22) added by ***** ***** when it was sent to CBY. The collection fee is mentioned on the lease and their final account statement from ***** *****.

  Customer response

  05/04/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: In my second letter to CBY, I stated that the charges were not valid and that I had pictures and other evidence to show that we did not cause the damages alleged. I have attached a record of the maintenence request that I made regarding the water damage and the letters that I sent to ******************* regarding this matter to this complaint. I do not believe that I should have to gather every possible piece of evidence to send to a company that I have had nothing to do with.

  I believe that between the letters I have sent and the information you have from the attachments here, you have enough to conclude that this is not a valid debt or at the very least, that it is questionable. That said, I am requesting that you have it removed from my credit reports. 

  Thank you. 
  
  Regards,
  
  ****************

  Business response

  05/05/2023

  This dispute is substantially the same as the dispute previously filed and CBY has already responded to and satisfied the requirements to validate the debt. Attached is the detailed explanation from Kings ***** regarding the charges which was sent to **************** by email and mail on 9/30/22.
  
  If there is any new information not previously provided to CBY regarding the dispute, please contact **. If the dispute contains no new information, CBY may deem the dispute to be frivolous.
  
  

  Customer response

  05/08/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: I did provide new information in the text of my original BBB complaint here and in the attachments that I included, but that information is being ignored. I do not owe your company anything and you are providing false information about me to credit bureaus, and that is not acceptable.
  
  Regards,
  
  ****************
  

• Initial Complaint

  01/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100% accurate on my credit report The credit bureau's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. In accordance with the fair credit reporting at convergent account # ******* and ******* has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A states I have 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—

  Business response

  01/24/2023

  The consumer submitted an electronic dispute in which we verified to be a valid debt per the complaint. We have also sent 2 letters previous to credit reporting in which neither came back mail return. 

• Initial Complaint

  11/12/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with **** **** and I do not have a contract with *** they did not provide me with the original application like I asked

  Business response

  11/14/2022

  On October 24th, 2019, we received an electronic dispute from ********** on behalf of the consumer. We verified the requested information and replied to **********. We have not received any further dispute requests from the consumer or a request for a signed lease agreement. If the consumer would like additional information from CBY, he can contact our office at ************ or ************ and select option one, then option one again. He can also email his dispute to disputes@cby.com.

  Customer response

  11/14/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***************************
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩