Complaints

This profile includes complaints for CBV Collection Services Ltd.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  CBV Collection Services Ltd.

  20 4664 Lougheed Hwy Burnaby, BC V5C 5T5

  
• 

  CBV Collection Services Ltd

  100 - 1490 Denison St Markham, ON L3R 9T7

  
• 

  CBV Collection Services Ltd.

  242 - 240 Graham Ave Winnipeg, MB R3C 0J7

  

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:01/05/2025

  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 CBV COLLECTION SERV, I do not have a contract COLLECTION SERV. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 02/05/2025

  Thank you for your communication.
  
  Kindly be advised that we have been hired on behalf of the original creditor to assist consumers with overdue and delinquent accounts.
  
  Please note we do recommend that if the individual is in disagreement with the file, at this point in time they should file a dispute with one of the major credit reporting agencies ********** or *******. The credit bureau would need to conduct an investigation on their end to determine validity of the individuals claim. Also, the consumer can reach out to the original creditor to also file a dispute.
  
  If the consumer believes that they could be a victim of fraud, we strongly recommend that the consumer file a police report and provide the necessary information required.
  
   We have provided the contact details for the credit bureaus listed below. We apologize for any inconvenience that may have been caused. Thank you for your communication and patience.
  
  Equifax **************
  TransUnion *************
  
  
  Regards,

• Initial Complaint

  Date:30/04/2025

  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.

  They constantly call me demanding to speak to my husband. He tries to call them back and they never answer, we have received no letter and cant get ahold of them to even find out what the supposed debt is

  Customer Answer

  Date: 02/05/2025

  Here is a handwritten note with my husbands signature giving consent, I hope this works

  Customer Answer

  Date: 02/05/2025

  Sorry about that, hopefully this works 

  

  Business Response

  Date: 06/05/2025

  Thank you for your communication.
  
  Please be advised that we have reviewed the information and before we are able to provide any information, we will need to conduct a right party verification process for security and privacy reasons.
  
  Kindly note that as an agency, we are required by law to complete right party verification with all individuals before we are able to provide any information. This process is to ensure that the consumers information is protected from any third parties or scammers.
  
  Please have the individual reach out to us by email to - *************************************************************************************
  
  We do apologize for any inconvenience and appreciate your understanding. Thank you.
  
  
  
  Regards,

• Initial Complaint

  Date:30/04/2025

  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.

  Back in 2022/2023 we were notified by ****** that there was an outstanding amount due (1500 or something like that).We contacted ****** to ask for the contract information. ****** not only had no contract to send us but they didn't have an account that was in use under ****** ****. We thought it was going to be corrected on Virgin's part but Virgin sent it to Collections. After calling CBV Collection Services Ltd I was told that no one would talk to me except I give them my birth date. Since this has NEVER been given to them, *** had no right o data mine for new information. As of yet *** has NEVER provided me with any proof of any debt owing. this is a SCAM by ***. Contact me if you need more information... the number CBV called on was identified as:1) ****************** 2) phone number is: **************, which, according to the Yellow Pages is a US number not located in ******** 3) The address given to me was: ****************** ******************************************************************************************

  

  Business Response

  Date: 01/05/2025

  Thank you for your communication.
  
  Please note that as an agency, we are required by law to complete right party verification with all individuals before we are able to provide any information. Kindly be advised that we don't know whom is communicating with us until we are sure we have the correct individual. This process is to ensure that a consumers information is protected from any third parties or scammers.
  
  Please be advised that at this point in time, we have never completed right party verification with the individual to determine if this person is the indebted party or not. While the Limitations period may have expired for some collection strategies, agencies are not precluded from certain actions to collect debts.
  
  We do recommend that the individual should contact an agent to determine what the next best steps should be to come to an amicable resolution.
  
  We can be reached directly at *************************************************************************************
  
  
  Thank you & Regards,

• Initial Complaint

  Date:24/04/2025

  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.

  I am not liable for this debt with *** COLL SVCS., I do not have a contract with *** PURCHASE ****************. A they did not provide me with the original contract as i requested

  

  Business Response

  Date: 24/04/2025

  Thank you for your communication.
  
  Please be advised that at this point in time, we have never completed right party verification with the individual to determine if this person is the indebted party or not. While the Limitations period may have expired for some collection strategies, agencies are not precluded from certain actions to collect debts.
  
  We do recommend that the individual should contact an agent to determine what the next best steps should be to come to an amicable resolution.
  
  We can be reached directly at *************************************************************************************

   

  Regards,

• Initial Complaint

  Date:23/04/2025

  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.

  *** has a collection under my name, they have said they sold it and it currently appears in my Equifax report under them. I have reached out to them inquiring information about this debt and they have not given me information. I would like this removed from my report. Thank you

  

  Business Response

  Date: 24/04/2025

  Thank you for your communication.

  Please note that we have reviewed, and it appears that the individual's last name is not a match. Kindly have the individual confirm if there was a previous last name. Thank you.

   

  Regards,

  Customer Answer

  Date: 28/04/2025

   
  Complaint: 23242030
  
  My last name was ********
  
  Sincerely,
  
  ***** ***** ******

  

  Business Response

  Date: 30/04/2025

  Thank you for your communication.
  
  Please note that the last name provided is not a match.
  
  However, we do recommend that if the individual is in disagreement with an item on their report, at this point in time they should file a dispute with one of the major credit reporting agencies ********** or *******. The credit bureau would need to conduct an investigation on their end to determine validity of the individuals claim. We have provided the contact details for the credit bureaus listed below. We apologize for any inconvenience that may have been caused. Thank you for your communication and patience.
  
  Equifax **************
  TransUnion *************

  Customer Answer

  Date: 30/04/2025

   
  Complaint: 23242030
  
  I am rejecting this response because:

  The collection company states that my last name does not match, however it still shows on my report. How can they have me if my last name does not match? I would like this resolved as this is affecting my ability to obtain a mortgage. They have stated that they have sold my file, however it still shows that they have it on my credit report.

  
  Sincerely,
  
  ***** ***** ******

  

  Business Response

  Date: 01/05/2025

  Thank you for your communication.

  Please note the consumer's first and middle name is a match. Unless, the consumer had any other previous last names that was being used. The files are outsourced to a vendor that works on our behalf.

  As previously communicated, if the consumer is in disagreement with the information on their credit report, they should file a dispute with one of the major credit reporting agencies. The consumer can also file a dispute with the original creditor appearing on the consumer's credit report.

  In the event if the consumer believes that they could be a victim of fraud, we also strongly suggest that the consumer file a police report and produce any necessary supporting documentation.

  We have provided different options here and recommend that the consumer take one of or all of the steps in order to be able to move forward. Thank you.

   

  Regards,

  Customer Answer

  Date: 01/05/2025

   
  Complaint: 23242030
  
  I am rejecting this response because:

  Does CVB have my debt or have they sold it? As it appears on my credit report. If they passed it on to a vendor I would like it removed from my credit report as they are no longer in possession of it.

  Thank you

  
  Sincerely,
  
  ***** ***** ******

  

  Business Response

  Date: 01/05/2025

  Thank you for your communication.

  Please note that we are still unable to establish the individual's last name and they have not confirmed if they have had any more previous last names. In addition, regardless of any agency placement, if the consumer is seeking to dispute the file, they would need to follow the appropriate steps as provided previously.

  Kindly be advised that *** or any agency is unable to remove items from a consumer's credit report as a thorough investigation would need to be completed to confirm the consumer's claims and if they are or not the intended individual.

  We strongly suggest that the consumer take the appropriate steps to handle accordingly.

  For the reasons explained above, *** considers this matter closed. Thank you.

   

  Regards,

   

  Customer Answer

  Date: 01/05/2025

   
  Complaint: 23242030
  
  I am rejecting this response because:

  My current last name is ******, my maiden name is ******* and my first marriage last name is ********. *** has a debt under my name in my account. They must make sure to remove it as they are claiming they do not have it. I need this resolved and I will escalate further if needed. 

  Sincerely,
  
  ***** ***** ******

  

  Business Response

  Date: 05/05/2025

  Thank you for your communication and confirming the last name, *******. Please be advised that we never claimed to not have the information. We needed to confirm the identity of the individual to ensure we have the correct person and they have now provided us the last name on file.
  
  *** has located the information for the consumer and it is currently being handled by our outsourcing vendor whom is working on our behalf. We will reach out to them to contact the consumer.
  
  As advised previously, if the consumer is in disagreement with the file(s), they would need to follow the appropriate steps and file a dispute accordingly with one of the major credit reporting bureaus. An investigation would need to be done by the bureau to confirm the consumers claim. This is the initial and standard process for any dispute claim.
  
  The consumer can also email us at *************************************************************************************
  
  For any dispute claim, the consumer would need to take the appropriate steps and provide any supporting documentation they may have as proof.
  
  For the reasons provided above, *** considers this matter closed and hope that the consumer is able to have the matter resolved as soon as possible. Thank you.
  
  
  Regards,

  Customer Answer

  Date: 05/05/2025

   
  Complaint: 23242030
  
  I am rejecting this response because:

  CBV has added the debt on my record, not an external vendor, if CBV does not have it and an external vendor does, I would like this removed from my report as CVB is no longer handling it.

  Sincerely,
  
  ***** ***** ******

• Initial Complaint

  Date:22/04/2025

  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.

  I was contacted by this company regarding my ******* **********. This company acted in malicious and misleading business malpractice which left me in a worse financial situation and further damaged my credit. The email that I received from them had an offer to either settle or set up a payment plan.When I called the next day, the agent the Lady offered me a settlement and wanted to collect it fast. I stated that I was unable to settle however, I offered to do payments, but she wanted to collect faster so she decided, against my will and pleadings, to try to refinance my home with people she knew, or get me to apply for loans. I insisted that the current housing market in my area has dropped significantly so I don't have equity and I didn't want to apply for the loan because I wouldn't be approved, it would further damage my credit with a hit from the loan application, but she insisted saying that she spoke to the manager and I'm going to be approved.She said call the company back and put your application through and the manager will approve the loan. Obviously with her guarantees to me, I put it through and was immediately declined. With the amount of time that it took to go through these applications and other options, it apparently ran out the clock and ******* was no longer willing to offer us payment plans. This is not fair because we called them once we received the email and we were more than willing to accept the payment plan option that was offered to us just the day before by ******** was the agent's decision to try to take other routes and that is what ran out the clock. Case was transferred to legal. We spoke to the lawyer who said he would try to renegotiate this, we waited, and instead of calling us back we received a letter for court. Then that lawyer said his mom was sick and he was off but would try to resolve this, we waited, instead of calling me back again I received a default judgment against me. All of this happened within a month or so.

  Customer Answer

  Date: 22/04/2025

  When we say being put back where we were is allowing us to be in the position we were in prior to the agent not honoring the offer for the  payment plan that we had in writing.

  The final balance that was sent to the collection agency ($10.740)minus the payment that was made ($100) and ($3000) leaving a balance of $7640 and at a minimum they should allow us to make payments on that balance. Not the new inflated balance with legal fees + others

  Instead they acted in bad faith and rushed this to a default judgment even though they told us the file was on hold.

  Like this, with their dishonesty,  we never stood a chance

  Customer Answer

  Date: 23/04/2025

  Billing adjustment 

  

  Business Response

  Date: 30/04/2025

  Thank you for your communication.

  Please note that we have reviewed the information and all that has occurred on the file, took place in a timely manner.
  
  Kindly note that the file was assigned to our office on October 8th, 2024. The last payment date on the file was June 24th,2024. We have left messages and have sent emails in attempts to reach the consumer with no response until January 13th, 20**. This would be 97 days before we received a call back.
  
  A settlement was offered for $8000.00 on January 14th,20** as the consumer was applying for a loan. At this point in time, we never heard back from the consumer nor did the application get processed. The approval to proceed with litigation was given to us on January 16th,20**. The consumer only called back on January 16th, 20** due to receiving the legal demand letter. The consumer advised that they were sorry and never finished the application and was going to do it now.
  
  The consumer was approved; however, did not want the loan as the interest rate was high. We did advise the consumer that due to poor credit,the interest rate would be high. On January 22nd, 20** the consumer called us back and wanted us to submit a below parameter settlement offer.  We requested for supporting documentation as evidence to justify hardship to submit for the below parameter settlement offer and the consumer agreed. However, we never received the documents to support the consumers personal hardship.
  
  On January 27th, 20** we explained to the consumer that the below parameter settlement offer was declined as the consumer is a home owner with equity on their property and that we can only do a settlement of $7995. We even offered to split the settlement into payments and the consumer requested for a lower settlement offer and requested for a Manager.
  
  On January 28th, 20** the Operations Manager spoke to both the consumer ****** and the consumers spouse, *******. The consumer spoke over the Manager and did not allow for the Manager to speak and ended the call. The consumer called back on January 28th, 20** and spoke to agent ******* ******* and only offering a settlement for $4000.00 in 2 payments on a balance of $10,736.27 without any documents to support their personal hardship.
  
  Please be advised for any consumer that expresses personal hardship, we understand that there could be circumstances that prevent a consumer from fulfilling to resolve the total balance. We empathize with consumers in these situations and try our best to present the best options possible based on a consumers needs and financial abilities. With any below parameter settlement offer, supporting documents would be required from the consumer to present to the original creditor. The original creditor would review the documentation and make their decision based on the evidence provided.
  
  On January 30th, 20** *** and the consumer had not come to an agreement with regards to the file and the consumer was transferred to the Paralegal to ***.
  *** spoke to the consumer and the consumers spouse on January 31st, 20** and both individuals indicated that they were going to source the funds . On February 20th, 20** a payment of $3000 was sent directly to the original creditor.
  
  On February **th, 20** the plaintiffs claim was prepared and sent to small claims court. We received the claim back from the small claims court on March 6th, 20**. At this point in time, no calls or payment was received from the consumer.  
  
  On March 10th, 20** we received a call from the consumer and wanted to discuss the balance again. We advised that the balance has not changed and in fact will not be accumulating any interest or legal cost.
  
  Approximately, a month later on April 2nd, 20** the judgement was issued by the courts with enforcement to process with the Written Order (WRIT).
  
  On April 9th, 20** we received documents of WRIT registered #**/0002148,  issue date April 8th, 20**.
  
  The Paralegal received a call from the consumer on April 14th,20** and advised that they will be looking to source funds for a lump sum.
  
  On April 23rd, 20** the consumer called back and speaking over the agent. The consumers call was transferred to **** the Paralegal to handle as the status is now judgement with enforcement.
  
  On April 24th, 20** spoke to *** and requested that the judgement be reversed. They were advised to seek legal advice as the call did not progress to an agreement.
  
  Please note that the consumers spouse would contact us to speak on the consumers behalf and we would always request permission from the consumer ****** ****** to speak with their spouse.
  
  Kindly be advised that we do take customer complaints seriously and strive to provide the best solutions possible based on the customers needs and situation. We take pride in assisting our consumers and helping them get on the right track to re-build their credit.  For this file, we have attempted on multiple occasions to come to a amicable solution with the consumer and provided different options available.
  
  We appreciate the feedback. Feel free to reach out to us if you have any questions. Thank you.
  
  
  Regards, 

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 23237350
  
  I am rejecting this response because: 

  The representative from the company has made some inaccurate statements regarding my claim. Regarding communication, I cannot acknowledge receiving emails, however upon reviewing I did find 2 previous emails in my junk folder. After knowing the number that the agent was using to contact me I reviewed my call log and found 2 calls that were declined from my phone, 1 for October and 1 for November. I had explained to the agent that when my son has the phone he declines the incoming calls right away.

  We received an email sometime in December while having dinner and reached out to the company the very next day and from there on we were in constant communication. 

  The email they sent me had a few options for me to consider.

  One of those options was to set up a payment plan, which I requested and for some reason they tried every other option other then committing to the offer they sent just the night before in writing. 

  Another inaccurate statement was in regards to the loan. I did call both loan companies the agent told me to on the day she told me to.

  It was a late call as it was near the end of the day and the information given to me by those companies was that I was likely NOT going to be approved, so I didn't complete the application.  I informed the agent of this information the next day, maybe two, when I received a legal letter from them.

  I asked the agent to stop with the alternative options and to please just give me the payment options as I have been requesting since it was offered to me by the company. 

  The agent said it's too late now and to put the application through because she already spoke to the manager from the loan company and that I would be approved.  My husband and I were against that as my credit is already low and a hard hit from a credit check would further damage it and she didn't like the push back and was very hostile and aggressive towards us. Because she guaranteed I would be approved, I called back the loan company, completed the application and was immediately denied.

  That left us very angry as it showed bad faith from the agent. From there we requested many times to speak with legal and we were always denied until it was too late. We did not want to drag this on. From the first day of communication with them, we offered to start making payments right away.  We even made $3100 of payment throughout our conversations with them.

  In regards to the hardship letter, they once again are misrepresenting the facts.

  We were asked to write that letter, we did, agent claims it was denied by *******. I was never requested to send additional documents, it was mentioned that eventually I would have to but at the time or any time for the matter were any documents ever requested. 

  Once negotiations started with the legal department, *** agreed with us that this matter was not dealt with professionally by *** and said he would work with us and propose an offer to *******. He said he would get backb to us, but never did. We called his office several times, on a daily basis. Eventually we tried someone else from the same firm and were told that ***** mom had a stroke and that's why he didn't answer. 

  We were told this can be reversed, once again this other person from the firm agreed this wasn't properly dealt with and left a message for *** to get back to me. When he did, he told us the file was on hold and that he was going to try to get the file back to him and we would restart from there. Again he went silent, we again started calling every day, and fews days later I had a default judgment against me.

  The claims that we were talking over the manager are up to interpretation.  Our reason to reach the manager was to complain about how her agent went about all of this, and that we should be given a chance to make the payment as they originally offered. The manager was very robotic and unfazed about our concern and proceded to repeat over and over that I owe this money and have to pay it or they can come take my house. She was not listening at all. She just wanted to act aggressively to shame me for owing ******* money.

  Later again we requested the recorded phone conversations and she did not grant us such request and instead repeated exactly what she was saying in our previous call. 

  So what's the point of calling her if she is not going to hear me and just procede to pressure and harass me for what now has become a super inflated value.

  Completely unnecessary. We were cooperative from the moment we first spoke to them. None of these refinance of the home options or any of these loan options were our idea. We pretty much begged them to allow us to accept their own offer in writing. 

   

  
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 12/05/2025

  Thank you for your communication.
  
  Please be advised that the consumers concerns are referencing that we never offered arrangements/solutions for the consumer to resolve the file. We did offer a settlement and a settlement in payment arrangements. However, the consumer was not able to commit to the settlement offer. The consumer is in default of a legal binding contract by defaulting on their payments while the card was active. This is the reason that the original creditor assigned the file to our office.
  
  The consumer would be able to discuss the settlement again or we can also look at other alternative options. This would need to be discussed with the Paralegal that has been assigned to the file. The consumer has also previously been in contact with the individual.
  
  At this point in time, the consumer would need to further the discussion with the appointed Paralegal representative as the file has now been transferred to that department.
  
  *** does take consumer complaints seriously and strives to provide service based on a consumers status and situation.  We do hope that the consumer contacts the Paralegal assigned as soon as possible and is able to discuss an amicable resolution.
  
  We do apologize for any inconvenience that may have been caused and appreciate this being brought to our attention.
  
  
  Thank you & Regards,

  Customer Answer

  Date: 15/05/2025

   
  Complaint: 23237350
  
  I am rejecting this response because:
  
  On bbb response once again falsely reporting to have offered a payment plan, making a very large sum in 2 payments is not an acceptable payment plan. I don't believe that any reasonable person would consider to be such.

  
  

  Their attempt to show concern for the consumer is almost laughable at this point, if this wasn't such a serious matter. They went above and behond derail any chance I had of trying to resolve this with manageable payment options.

  
  

  I followed the offer to solve amicably and was told I was waisting time. With this attempt today, with the paralegal, there was confirmation that any payment plan was never offered but if I want to get rid of this bill, just pay it.

   

  I brought up to the paralegal that I had already requested a copy of the recorded conversations from him and from management and had not heard back since and his response was: management will get to you on management's time, to which I asked when would that be? He said: whenever they feel like it and that he would not be wasting anymore time.

  
  

  Once again if the recorded conversations are granted this will be confirmed in said conversations.

   

  We asked to access to his management and access to higher management denied.

  To resume, it is clear to see that there is no amicably solution to be found. We will have to find a different way to access those conversations, perhaps through the freedom of information act if that works. We have requested these calls likely a dozen times and have always been denied, in my view, it's because they know we are telling the truth and the conversations will prove that. 

  We were played/bullied  by these thugish companies that have found a way to operate their business by not having to comply by any government regulations which we have discovered through a phone call with the consumer protection act agency.

   

   

  
  
  ****** ******

• Initial Complaint

  Date:22/04/2025

  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 payed this debt July 9, 2024 when the amount was ******

  

  Business Response

  Date: 23/04/2025

  Thank you for your communication.
  
  Please note that we had previously communicated with the consumer on January 2nd, 2025. The consumer advised that the file was previously paid. We had requested for the consumer to provide evidence of their payment.
  
  We thank the consumer for sending the attached screen shots of payment. At this time, we have forwarded the information and screen shots to the original creditor as supporting evidence on behalf of the consumer to indicate that payment was made.
  
  The original creditor will need to further review on their end and we have requested if the information provided by the consumer is sufficient to close the file. We are currently awaiting on their response.Kindly allow at least a minimum of 10 15 business days. The consumer can contact us by email at - ******************************************************* if they have any questions after the original creditor has completed their review.
  
  We thank the consumer for their patience and working together to resolve.
  
  
  
  Regards,

• Initial Complaint

  Date:17/04/2025

  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.

  *** has been consistently contacting out of the blue for a Fido account in collections. I have requested them to provide me with the original contract agreement with my signature but they refuse to do so, instead they are asking me to get in touch with Fido which is almost impossible as Fido only has AI assisted chat and phone line feature and they wont forward the call to an agent if I dont have account number with them. CVB ********************** needs to do their job and provide me with this original contract with the payment history and my signature as I believe this account is well over 6 years now since I last used it.

  

  Business Response

  Date: 21/04/2025

  Thank you for your communication.
  
  Please note that we have reviewed the information and the consumers file has been sold to ***************. They are currently handling the consumers file and will be able to address the consumers questions and concerns. Kindly be advised that the consumer can contact Pyxis directly and they will be more than happy to assist. We have provided their contact information below. Thank you.
  
  Direct Phone Inbound **************  -  Ext 2
  General Inquiries *********************************
  Website: ******************
  
  
  
  Regards,

• Initial Complaint

  Date:16/04/2025

  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 the collection agency CBV collection services LTD. . They did not provide me with the original contract that I requested.

  

  Business Response

  Date: 25/04/2025

  Thank you for your communication.

   

  Kindly refer to the attached for CBV's response. Thank you.

   

  Regards,

• Initial Complaint

  Date:14/04/2025

  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'm not liable for this debt with CBV COLLECTION SERV. I do not have a contract with CBV COLLECTION SERV credit system. They did not provide with the original contract as I requested.

  

  Business Response

  Date: 14/04/2025

  Thank you for your communication.
  
  Please be advised that at this point in time, we have never completed right party verification with the individual to determine if this person is the indebted party or not. While the Limitations period may have expired for some collection strategies, agencies are not precluded from certain actions to collect debts.
  
  We do recommend that the individual should contact an agent to determine what the next best steps should be to come to an amicable resolution.
  
  We can be reached directly at *************************************************************************************

   

  Thank you & Regards,