Complaints

This profile includes complaints for Creditors Bureau USA's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Creditors Bureau USA

  757 L St Fresno, CA 93721-2904

  
• 

  Creditors Bureau USA

  PO Box 942 Fresno, CA 93714-0942

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/27/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Rec'd notice from this collection bureau for $288.00 for ****************************** Acct #**********. This bill was paid a month ago ck #**** 2/28/25 and cleared my bank. I had to leave a message at this collection agency stating this was paid and to call back. They never did. I don't want my credit ruined because someone didn't record the payment either correctly or in a timely manner.

  

  Business Response

  Date: 03/27/2025

  We have placed your account on hold while we review with your creditor. If possible, can you please provide our office with a copy of the canceled check so we can exedite the process? You should receive an email from our office with this request and you can provide this information on our web portal at ********************.

   

   

  Customer Answer

  Date: 03/27/2025

   I have submitted proof of payment per their request. I need proof that this has been cleared and no payment will be due or anything posted to my credit.

  

  Business Response

  Date: 03/28/2025

  Thank you for this update. We will review this with your creditor and close out your account.

• Initial Complaint

  Date:03/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is trying to collect $541.01 for services that were 100% covered by the insurance. Please contact the provider and remove our information form the collection list. Patient Name: **** ******* Reference Number: ********

  

  Business Response

  Date: 03/19/2025

  This account had an original charge of $1640.00 and insurance paid/adjusted $1119.03, leaving a patient portion of $520.97. If you believe this is incorrect, please provide our office with a copy of the insurance explanation of benefits (EOB) showing this amount is not due by you and we will work with the Creditor to resolve.

  Customer Answer

  Date: 03/20/2025

  The insurance information was provided to the creditor (****** Member ************** at the time of service and all services were paid as requested. All services provided were preapproved before patient received and covered in full by ***********************. Please I respectfully request to review this account with the ************************, the company handling the billing overseas and your collection company. 

   

  

  Business Response

  Date: 03/20/2025

  We will place the account on hold and submit your dispute to the creditor. That being said, if you could also review the explanation of benefits from ****** and provide a copy to our office, that may assist in speeding up the process. 

  Customer Answer

  Date: 03/24/2025

  Thanks for your response. As previously mentioned, everything was provided to the creditor/provider, and I don't see why the account was sent to you as a collection company. 

• Initial Complaint

  Date:03/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a medical bill from 2019 placed for collection with them for $529. As of January 1rst 2025, SB ****************************************************************************************************************** medical company to report medical collections to credit bureaus. Ive made 4 disputes with credit karma to have the collection removed from transunion report in which all 4 were approved, but subsequently were never removed from my report. Ive called transunion 3 times and disputed through them to which I was told that my dispute was unfounded. After speaking to transunion today I was advised to call creditors bureau USA directly to discuss this matter. Upon calling them I was given a reference number and put on hold. Being on hold ended up turning into a recording in which I left my information and asked them to remove the collection account they put on my report so that they would be in compliance with the law in **********. Attached are my approved disputes on credit karma that were never removed, and my 9 minute call to creditors bureau.

  

  Business Response

  Date: 03/12/2025

  We have requested this account be deleted/removed from the credit report as a courtesy to the patient. SB 1061 applies to California consumers and Ms. ***** is a resident of HI. 

• Initial Complaint

  Date:11/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I lived at *************************** from July 2020 through May 2022. I moved out due to unsafe and unsanitary conditions that we often complained about including ***** infestation. I gave notice April 2022 byt I no longer have a copy; however my mother remained in the apartment. I have since discovered my credit has a collection from Creditors bureau USA in Fresno. Please see attachments and I demand that this company remove this collection from my credit and $750 remining balance from moveout thanks

  

  Business Response

  Date: 11/18/2024

  We have investigated this dispute with the Creditor and have responded in writing to the consumers (***** Romelo and ********* ******) to the last known address of ***********************************************

• Initial Complaint

  Date:08/19/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving calls from these people. They are looking for my wifes EX husbands new wife. My wife has been divorced from him for almost 20 years and has been married to me for the last 17 years. They keep calling me . Looking for his new wife's debt.. There is absolutely no reason to be calling us. We do not have the same last name ,nor do we live in the same area. The first couple of times I told them this and they said they would remove my name from the database ,but today they called me again . I asked to speak to a supervisor and was put on hold for over five minutes before they hung up on me. I called back and was told the supervisor was busy. Supervisors name is supposed to be *******.

  

  Business Response

  Date: 08/30/2024

  I'm showing that we called ************ one time on 8/19/24, but I don't show that this was for *************************. The phone number has been removed, so there will be no further calls to that phone number.  If you are receiving calls at a different phone number, please let us know.

  Customer Answer

  Date: 09/03/2024

   I am rejecting this response because:  They Were Looking for *********************. To inquire about her ex husband's wife's "***********************'" Debt.  Not only is ****** last name been different for 17 years ,she has also NOT been married to ************** for over 20 years . . That is why I opened this complaint. There is no reason in the world for this collection company to bother us.  Especially since the collection company itself is only 2 miles from the ***** home. Which has been the ***** home for over 40 years.  

  Also.  While I am sure they now removed my number , or claimed to have.  I want to make sure than any further attempts by them to contact anyone in the ***** home about ***** debt is stopped in its tracks.   P.S. I never received a call from the manager Like I was supposed to in order to find out why they would be calling our number ? No explanation was given by anyone there on how or why they thought it was ok . 

   

  
  

• Initial Complaint

  Date:07/01/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This agency called me in January regarding a debt with their client. I paid the client way before this agency called me. I sent them a dispute with proof of payment. In July I received another bill saying that the client never received the money. I found out from my bank that so much time had gone by that they returned the *** payment to me. I asked CBUSA to return the account to their client and provide a reason why they didn't accept the payments for over 6 months and why they're claiming they never received a payment. This is ridiculous. In addition to this they are claiming they can charge interest despite not having a judgment or an agreement with a disclosed interest rate which per California law is in fact illegal (which they tried to tell me it isn't).

  

  Business Response

  Date: 07/02/2024

  We have responded directly, by mail to the consumer to resolve his complaint. Thank you.

• Initial Complaint

  Date:05/23/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Here is what happened i had an outstanding debt on my credit report for 570 Bay Imaging Consultants , which was opened on may 8th 2019 at the time i had no health insurance at the time and i just recently after working and getting other debt payed off i decided to call Creditors Bureau USA and i spoke with ************* on 5/21/2024 around 10 am and said i would be willing to negotiate the debt however she advised me that paying it off would not fall off my credit report for 7 years and said you can dispute it which will so then i said ok ...i had to go that day and followed up with her the next day she pulled my credit report by having me charge my credit card for a 1.00 then i had to cancel it because it would charge me ***** a month , however she said "O i would of cancelled it" she then says ok so we can dispute the charge for 199$ charge up front and we then monitor it so to me thats no guarantee and she never advised me there would be a charge for disputing it until after running my credit report and answer a bunch of questions and in return i was in shock and felt tricked she kept trying to get me to pay but i said i cant at this time . Below is the service she signed me up for Account ID: ************** ****, We received your request to cancel your add-on subscription under your IdentityIQ plan membership. While we are genuinely sorry to see your subscription end, effective immediately, the following add-on has been canceled: Subscription Name: Utility Reporting Utility Reporting You can always re-enroll under your current plan membership if you change your mind. If you have any questions, please contact *************************** at ******************. Our agents are available to personally assist you Monday to Friday 7:00 a.m. to 7:00 p.m. (CT) and Saturday 8:30 a.m. to 5:00 p.m. (CT). Thank you, IdentityIQ Customer Success Team

  

  Business Response

  Date: 05/23/2024

  Hi *************,

  Our office, Creditors Bureau USA, has not received any calls from you regarding this account and we don't have any employee by the name of *************. I believe that you may have inadvertently contacted a credit repair company instead of our office. Our phone number is ************. We do not charge a monthly service fee. I will mail to you copies of the verification of debt at the address listed above. The accounts, because they are medical, will automatically be removed by the credit bureaus when they are paid. Please contact me directly so I can assist you in getting this issue sorted out with the credit repair company as it is not proper or legal for them to be charging you or misrepresenting that you were speaking to someone at Creditors Bureau USA. My email is *****************************************************************. 

• Initial Complaint

  Date:05/03/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today, Friday, May 3 2024, I recieved a call from this debt collection agency asking for payment for a debt I have never recieved a notice for. They had the correct street address, but claimed it was in a different town. Argued a minute over the town with me before I heard him type in the zip and address I gave him and it popped up where I had said I live. They said that I never paid this debt. Obviously, since I never knew it existed. First, they told me 166 dollars, and were asking me to pay over phone. Ok. Grabbed the *** account card since it was collections on a medical debt. All of a sudden, 10 dollar service charge for card processing was slapped on. At which point I was getting mad. Money is tight for my family of 4. Be up front with all charges. If you want someone to pay, especially on the opposite side of the country, as I am in ********* and this company apparently ********** (I didnt know where a 559 area code was ubtil I looked the company up.), dont slap a last second "service charge" on to the amount. Also, dont tell the person you are charging that proof will appear on the reciept as to what the charges were, and then turn around and when the person tells you they arent on the reciept say the only way then is to send another BILL. Not a reciept. A bill. For the same transaction just paid. I simply asked for proof in case the *** bank asked for proof this specific charge was for a medical expense. Not a hard pitch. I admit, I started sounding hostile at the end of the call. But after lie on top of lie it seemed just. I was questioning the validuty of the company the whole time. There was nothing but chaos the whole phone call as the agent on the line seemed to ve completely unsure of what he was doing. I see why this company has such a low rating on yelp, on BBB, and everywhere I have looked elsewhere online. Attached is a copy of the reciept sent to me after payment. The reciept where the charges were supposed to be itemized on, per the agent.

  

  Business Response

  Date: 05/06/2024

  We have reviewed the call recording from 5/3/2024. During that time, the representative, ****, updated the address that we had on file. It appears that the creditor, American Esoteric Laboratories, assigned the account with the address ****************************************  During the call the city and zip code were updated to reflect ************************. The assigned account is for service date 7/26/2023 and is from requesting provider: Sweetwater Family Medicine. Your creditors records don't reflect any payment being made by insurance.  This account has not been reported to the credit reporting agencies. The agent did advise during the call that there is a payment processing fee to pay with a card but there was no fee to pay with a check. The agent also provided the amount of the fee and confirmed that information with you before processing the payment. The payment of $166.00 will appear on your bank statement as Creditors Bureau USA and the convenience fee of $10.00 will appear as a separate charge from Repay, the payment processor. The receipt you attached is a receipt of the payment made. Another receipt, from our office has been requested to be emailed to you. If you have further questions regarding this charge, please feel free to contact us.

• Initial Complaint

  Date:01/03/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *****************. I do not have a contract with Creditors Bureau USA. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/03/2024

  We have responded in writing directly to the consumer. 

• Initial Complaint

  Date:10/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with UNIVERSITY FACULTY ASSOCIATE I Do not have a contract with CR BUR ***. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 11/02/2023

  This is the first notification that we have received from the BBB about this complaint from 10/20/23. In review of this complaint, we have not received any communication from the consumer until this complaint. We will send verification of debt, as requested, directly to the consumer.

  Customer Answer

  Date: 11/04/2023

   I am rejecting this response because: I have spoke with the agency and I told them before that I dispute that debt it's not mine I never done business with their company to provide me the original contract they never did all phones are calls are recorded they can check for the phone calls but I called and spoke with one of their representatives. When I told them this instead of them sending the original contract they were rude and tried to collect from me when I tried to explain to them this was not my debt i've never done business with their company.
  
  
  

  

  Business Response

  Date: 11/06/2023

  We have mailed verification of the debt to the consumer at the address provided in this complaint. If the consumer believes that this is identity theft please provide a copy of a police report or a fraud/identity theft affadavit. We have investigated this dispute with the Creditor and are providing the verification to the consumer directly. 

  Customer Answer

  Date: 11/07/2023

   I am rejecting this response because: When I spoke to the company I told them several times ive never lived in ********** so the address that you have is fraudulent because it's not mine I said that numerous times and how could I file for identity theft if I don't know about it. I just found out about it when I found out about this debt that I also told you guys when I spoke with you on the phone. You continue to harass me and you need to remove this from my credit report immediately or will be contacting the property authorities because per the ***** you have not verified this debt is impossible because it's not mine. And even if I did file a police report this is from years ago like I never even knew about it so how do I file a police police report for something that happened years ago provide me with the original contract that has my signature on it you can't because I never signed anything with you guys so at this point this is harassment