CBE Group collection agency - How do consumers perceive this company?

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CBE of Iowa has been calling my home daily for two weeks and leaving messages. I am a senior citizen with no debt. When I try to return CBE's call, I get a recording that does not specify the debt or the debt holder they are trying to collect for.

Therefore I sent them a registered letter asking the type of debt and name of the original debt holder and a request not to ring my phone again. I also sent a letter of complaint about them to the Attorney General in my state and to the Attorney general in their state of Iowa at:

Tom Miller, Attorney General
State of Iowa
1305 E. Walnut Street
Des Moines, IA 50319

I also plan to sent a letter of complaint to the Federal Trade Commission and the Better Business Bureau asking how the Bureau can give them an "A" rating, with all the complaints againt them.

They are not breaking the law...why are you complaining? You sent your letter, give them a chance to respond. CBE handles federal student loans....maybe you had a grand child list you as a reference. Have you spoken with somewhere there?

Too many people jump to conclusions and waste valuable time with government agencies when they could easily resolve the issue themselves. Maybe CBE has an A rating because complaints like yours are unwarrented.

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No...you are misunderstanding. The credit bureau only reports the information that the creditors report. The bureaus dont make up the information....some creditor used the wrong address or maybe were skip tracing for you using an alternative address. As a consumer, you have the opportunity to correct your file and the bureau must comply. No it is not the consumers fault...but it is also not the fault of the bureau. It all comes down to the the creditors and other reporters accessing your file.

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Oh, believe me I do. I was speaking in general terms of credit reporting and how it functions. The student loan scenario was just an example.

CBE could be calling you in error. People do make mistakes. All I was saying is it is not necessary to call out the national guard until you determine why they are calling.

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If you dont dispute the errors, that is your your problem. They dont care what you think...you probably are just getting your free copy every year. Business is business.'

What is your point of this wasted thread? You refuse to fix errors. That is YOUR choice and responsiblity. Live without credit...

Unfortunately their are only 3 major bureaus and it one is reporting wrong, more than likely the others will too. And you cant sue a credit bureau for bad information if you dont take the steps to fix it or dispute it. That is what the FCRA is for.

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Iowa is the heartland. I worked in Minneapolis and we had about 10 Johnsons, 20 Andersons and a half dozen Carlesons.

You could also try googling the CBE group and get their 800 number

:rolleyes:These people are very harrassing and are unfamiliar with the FDCPA (Fair Debt Collections Practice Act). They have called me multiple times in a day, even after I spoke with them. They refuse to leave a voicemail, and when u return a call to the # on caller id it says busy, closed or routes you to a voicemail service. I made arrangements with them one day and the next day someone called me back and demanded pay in full. I asked for a supervisor and they refused to provide a whole name. They dont seem very ligit to me.

The intelligence level on this site is off the charts - I'm an employee of CBE, so I can understand some of the frustration levels felt by some of the people on here. However, the childish actions (boat horns, "Hotel California", etc.) pretty much insure that you are determined to play the victim, regardless of the situation.Look, I could give two sh#@!ts about whether or not you've been wronged - you can have an opinion - you just can't be stupid. Unfortunately, that doesn't apply to most of the people on this site. Unless you know the textbook, front-to-back definitions of:1.) Harrassment2.) The FDCPA3.) What influences a credit bureau4.) Skip tracingThen please resist from responding. I'm a collector - a smart one, and one that knows the laws, rules and regulations because it's MY JOB. I can't fix a car, I don't know how to fly a plane, and I would be an inferior police officer or fireman. You know why? Because that's not my job, and I don't pretend to know how to do it. Unless you are a professional collector, then shut your mouths and open your minds. These people are paid to do a job - they don't get commission for calling wrong numbers. They don't get paid for making mistakes. They get paid for dealing with imbeciles and morons like the general public. Grow up, stop threatening lawsuits over every little item, and take care of your personal business.

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Paul...not defending CBE but they are licenced in every state. They are a Department of Education vendor....that is a first requirement.

On the flip side....I was a collector and i see violations in the posters complaints. They do violate the FDCPA....I have personal knowledge and they paid my ex husband good for it.

i know that soaplady,but MANN BRACKEN was too.what happened to them?class actioned out of existence.

Hate to say it. But, the phone is for my convience, not the bill collectors.....

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I just received a call from CBE today. I have no collection's on my record, so I called them back at the number listed on the first page of this thread. I was polite and told the person at CBE there may be someone who has registered an account using my phone number. After giving them my number, they asked my name and confirmed it was incorrect and told me I'd be taken off the list. It took 3 minutes to go through the phone menu prompts and reach a representative to remove my number.

I don't understand why people complain so much about receiving erroneous calls - are you rude to people that accidentally get the wrong phone number? I'd hate to be that person... Grow up, get real and develop common courtesy - it's what's lacking in our society today as Americans.

Seems to me that the majority of debtors are career debtors...which to me makes you a theif...just accept that you owe a debt and pay it....do the right thing.....living in debt is no way to live...deal with it like an adult and don't make excuses for your own debt.....nobody forced you to spend the money but you..so pay it back..most collectors just want to help you resolve it...and most debtors just lie about bills they are still current on b/c they don't want to use their savings etc. To pay it.......credit reports don't lie to us so remeber that

[QUOTE=Anonymous;759662]Seems to me that the majority of debtors are career debtors...which to me makes you a theif...just accept that you owe a debt and pay it....do the right thing.....living in debt is no way to live...deal with it like an adult and don't make excuses for your own debt.....nobody forced you to spend the money but you..so pay it back..most collectors just want to help you resolve it...and most debtors just lie about bills they are still current on b/c they don't want to use their savings etc. To pay it.......credit reports don't lie to us so remeber that[/QUOTE]
Doesn't anyone finish school anymore? lol

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calling is not harrassment unless you ask them to stop calling and they keep doing it

They keep calling me on behalf of Verizon saying that I owe $104. They say my phone number IS my account number, and I keep saying "no it isn't". I went online and printed a current copy of my Verizon bill. It shows my phone number that CBE has AND an account number associated with it. This is because I use Verizon for DSL (so I am assigned a phone number for the "line" leased to my house, and an account number for DSL billing purposes. I crossed out some digits in my Verizon DSL account number to protect my privacy, since CBE doesn't have this number or reference it in any of their calls, and sent it to CBE via certified mail. I have asked them to validate the account. Especially since the copy of my DSL bill shows I actually overpaid and I have a CREDIT balance, with nothing past due or even due again until January 2011. I've contacted a Verizon rep asking why this happened, she said my account is current and never was disconnected due to non payment. I hope the CA plainly sees the bill I attached from Verizon showing what CBE calls "my account number" has a Credit Balance, with nothing past due or owed - and they stop calling, or at the very least, provide me with something they received from Verizon saying I owed different amount. In the letter I asked them to contact me by mail only so I hope the calls stop. I will be really confused if they show me something from Verizon saying I owe this money, when my current bill and phone calls to Verizon show I do not.

Sounds like you've covered your bases. Good luck to you.

I just called CBE using the number on the 1st page (10 minutes after they called me). When they called me, I was not goin to verify my ssn because they had an address that I have never lived at. When I called them back, they could not find my phone number & said that I would not be called back. That was easy... LOL

keep us posted on this as they might not follow through with that,but you never know.

:evil::evil::evil::evil::evil::evil::evil::evil::evil: CDE Group has told us three times they will remove us from list because they have the wrong person at our home phone #. Today I actually had "Trisha" walk through the process and take us off the call list. I asked if she showed it was done twice before and of course no indication that we were removed. What is really aggravating with this company is they have the nerve to call and ask us, the receiver of the phone call to hold, how totally rude and then a dial tone comes on and the call has been disconnected. I called back and asked once again they take us off their list. Calling us is a waste of their time and ours! I don't think this is the end of continuously hearing from them but I feel better to vent!

Send a written cease and desist. If they violate it, you can then sue them under the FDCPA.

by fdcpa a collection agency is able to contact you about the debit every 2 hours till they actually speak to you after that they can no longer contact you about that debt but being that cbe handles multiple things such as medical or utility and even student loans you might get a call from a deffrent debt if your a experience debtor.and futher more paying of debts acctually boosts thwe ecomnomy and you guys wonder why we "were" in a recession:)

Read the FDCPA! There is nothing in it that says they can call every two hours....no timeline is set by the FDCPA.

geez either the poster above soaplady needs a spell check,or a dose of reality,or both.that post was painful to read,and you are most likely the pride of this bottomfeeder.

I contacted CBE Group to settle a debt in collections from Citibank at first it was great they were

willing to work out a settlement until I requested a letter sent to me before I made a payment.
I then got a a song and dance on how my account would go out of their control in 4 days and by the time

they got a letter to me and I responded it would be to late so I reluctantly agreed to forgo the receipt

of that letter first (mistake #1) although I was promised by the rep he would send it to me in the mail

for my records.
I allowed a one time payment through visa for the agreed amount and was told that I would receive a

payment receipt letter in 2-3 days along with the agreement letter I said ok that's fine now 12 days and

twice as many phone callslater I am still dealing with their song and dance of we have sent you your

letters on 3 different occasions its not our fault your not receiving them.

I have requested for a fax of the letter as well at first it was we don't have a fax machine in this

office, then it was I will send it to another office to be faxed, and then I am told to contact citibank

for it ( they wont be able to send anything till 30 t0 60 days after CBE clears the payment)
finally I am told in a final contact with a supervisor after I explained the excuses I was given for no

faxes which he admitted were not true, they do have fax machines in their offices and regardless if they

sent it to another department or not that it is company policy not to fax anything thats not inter office

or to an attorneys office.
He also explained the reason I have not received an agreement letter was because the letter was drafted

after payment was made and their system automatically kicks out agreement letters if payment is made nice

way to set people up to be ripped off.

.... plain and simple CBE group lies to get your money then will lie to cover their negligence in proper

correspondence and they have no problem in breaching their agreement once they have your money.

I plan to spend the next few days repeatedly calling
(319) 234-6686
and insisting to speak with
Robert Kahler, BBB Contact
Mike Frost - Vice President/Corporate Council
Thomas Penaluna - Owner/President
Tom Lockard - Manager, Compliance

I have to disagree with your statement #2 - I just had a call from the CBE group looking for my spouse. When I asked what company was calling they did tell me it was the CBE group but when I asked what that was they wouldn't say. They asked if my spouse was around and I told them that they were calling my Government phone. I asked how they got this number and they said that this was the number that was given to them.... I NEVER use my government phone for anything like this AND it's not even registered under my name (let alone my spouse's name being associated with it) so now what is the excuse for them?

I have answered, but the phone always disconnects when I do. They never leave a message. What kind of collections can they do if they never tell me who they are or what they want? :confused: My husband worked for a collections agency a few years ago, so we know what they can do and what they can't do. But they'll never gt a penny out of me if they won't talk to me.

Some collector here has been so demented by his job that he says (paraphrasing) "just pay your debt." This blockhead must be in another dimension, because here in the real world we are in a RECESSION and there aren't enough jobs! My husband and I were up to date on our mortgage and all our other debts until the economy started crashing and our specialist teaching jobs (library, music) in Arizona were eliminated. My husband has full time work but I am working 4-9 hours/week for minimum wage in retail and I substitute teach when I get called. We already lost our home and BOA (who bought lots of debt) turned all accounts to collections instead of working with us. We are making tiny payments so they don't go to court, but really we can't pay what the collectors try to demand. If CBE has our debts, we will probably go to settlement instead of slowly paying our debts in full, because we are sick of the abuse.

That stupid CBE Group has called and called and called and I ignore the calls today I just answered I asked what it was about they said they needed to verify i was the person they were looking for and asked me to give them information and I said I am not giving you information I don't know you for all I know your trying to steal my Identity. and she continued to ask me to verify certain things and then she said well I guess then we have reached a cross road and we will have to call back at a later time and I said well no you won't. I no longer want you to contact me by this phone and also I am disconnecting this number (which is no lie)....so, I don't know what they want or anything but I am in the same boat as everyone else. Stand in line and I will pay what i can when I can.

Corporate Headquarters 1309 Technology Parkway Ceder Falls Iowa 50613

posting for subject 8 your a numb skull who most likely went to law school and failed or could not pass the bar exam. although you sound as if a lawyer is a part of your family and you are not one yourself. If you are an atty I would hate to be your client. you are in my opinion a jacka**:p

only if you've talked to the consumer once, but fdcpa allows calls every 2 hours if a person doesn't answer their phone

Absolutely correct!

I've been receiving phone calls from "Marietta, GA" for a couple of weeks now. The number left a message today for me, saying it was the CBE Group, so I Google'd it. I've never heard of the place, and as far as I know, I do not owe any debts. Even if I did, I'm an unemployed nineteen-year-old living with my parents. I just find it interesting that the caller ID is from Georgia, but apparently the agency is based in Iowa. I live in Minnesota.

well to both #93 and #94.it is not allowed per the FDCPA to call every two hours.in fact there is a provision that states pretty clearly.

calling continuously in an attempt to annoy and irritate is considered harrassment.

so stick that in your fuse box,and get back to the phones losers.

Paul

Actually, multiple attempts are allowed as long as no contact is made and they are not excessive. The excessive part is open for interpitation (sp?) and can go either way based on the judge.

well i guess it is open for interpretation.but i have had friends called 10-12 times a day.that seems excessive in my book.however that is a good point as each state might look at it differently as well.btw what got me was the humanoids who spouted that never specified.i know some bottomfeeders(this one for example)do call multiple times even after they talked to someone that day.

thats called harassment and the law does protect you from this its called a cease and desist letter

CBE is far from a bottomfeeder.

this cbe group has started calling me over a debt my son owed on some video equipment, i told them, he doesnt live with me and hasnt since 2004....but they just keep calling, here is the main number that shows up----678-331-7211
i have just decided to start saying i am him in my most feminine voice and awaiting their reaction.
since they are too dimwitted to know the difference.