Complaints

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

close

Find a Location

Credit Bureau Systems, Inc. has 3 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Credit Bureau Systems, Inc.

  100 Fulton Ct Paducah, KY 42001-9004

  
• 

  Credit Bureau Systems, Inc.

  2541 Sir Barton Way Lexington, KY 40509-2292

  
• 

  Credit Bureau Systems, Inc.

  25 Jefferson St Ste 200A Clarksville, TN 37040

  

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:11/13/2023

  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 Credit Bureau Systems, I do not have a contract with Credit Bureau Systems. They did not provide me with the original contract as I requested. According to 15 U.S. Code 1681, I have a right to Accuracy and Fairness of Credit Reporting. 15 U.S. Code 1692 prohibits furnishing deceptive forms of consumers in debt collection practices.

  

  Business Response

  Date: 11/27/2023

  We would be happy to respond to the filed complaint; however, we note that the complaint was filed by the "beneficiary" of ******** *********. In order to be in compliance with federal law, we request more information on the identity of this individual before we are able to respond.

  Customer Answer

  Date: 11/27/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I am ********-**** :*********, the living body, and beneficiary of the all caps name ******** **** *********. Also, I have never signed a contract with Credit Bureau Systems, Inc. therefore I owe no "money" to them. a wet signature is required for all contracts. If they have no clue what I'm talking about they can refer to the UCC and read up on the codes requiring the wet signature. 
  
  
  
  Sincerely,
  

  ucc 1-308 without prejudice 
  ******** - **** :*********, beneficiary

  

  Business Response

  Date: 11/29/2023

  Thank you for that information. Credit Bureau Systems, Inc. is the contracted third party debt collection agency for Southaven Fire Department. I have attached the original documentation from our client Southaven Fire Department. The account has been reported as disputed on Mr. *********'s credit report since 2020 when he first submitted an ACDV dispute. Each time Mr. ********* disputed the account, the account has been confirmed as accurate by our client. 

  Credit Bureau Systems, Inc. is a Business Associate of Southaven Fire Department. Mr. ********* is welcome to learn more about Business Associates on the Department of Health and Human Services website. 

  Customer Answer

  Date: 12/01/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: see attachment
  
  
  
  Sincerely,
  
  
  
  ******** - * :*********, Beneficiary

• Initial Complaint

  Date:11/08/2023

  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.

  On 10/23/23, I received notice that my 2 outstanding accounts with Baptist Health were referred for collections in the amount of $1986.98. I acknowledge I owe this and would like to set up a recurring payment. When I contact the number provided to speak with someone 859-407-1620, everytime I press 1 to speak with someone, the line disconnects. I can make a payment online but there is a fee of $9.99 per transaction and it does not look verified. I have called numerous times to reach someone and make an arrangement but I am not able to reach a person using the number and phone instructions provided. I am not able to pay the full amount at this time but do intend to resolve the debt if I could set up recurring payments.

  

  Business Response

  Date: 11/21/2023

  I sincerely apologize for Ms. ***************** difficulty in reaching an account representative. Any phone issues that were present at the time Ms. *************** called on 10/23/23 have been resolved; her account representative tried to reach her by phone on 11/20/23. Making a payment with us via any type of card does come with a $9.95 convenience fee from our third-party payment processor, but there is no fee for paying via ACH. 

• Initial Complaint

  Date:10/30/2023

  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 ******* ****** ********** I do not have a contract with Credit Bureau Systems, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 11/02/2023

  Credit Bureau Systems, Inc. is the third party
  debt collection agency for ******* ****** *********. We have no record of Mrs. ***** requesting a copy of the provider's itemized statement(s) from us, but we
  have provided them here for convenience (without more information, we couldn't assess which collection account from ******* ****** ********* Mrs. ***** is requesting). We have coded the reporting accounts to report as
  disputed on Mrs. *****' credit report.

• Initial Complaint

  Date:10/19/2023

  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 not liable for this debt with ******** ****** Hospital. I do not have a contract with Credit Bureau Systems Inc, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 10/19/2023

  Credit Bureau Systems, Inc. is the third party debt collection agency for ******** ****** Hospital. We have no record of Mr. ***** requesting a copy of the provider's itemized statement from us, but we have provided it here for convenience. We have coded the account to report as disputed on Mr. *****' credit report. We ask that Mr. ***** please be aware that this account is past the statute of
  limitations for collections, meaning that Credit Bureau Systems Inc. will not
  take any actions to collect this balance. However, the creditor may still
  show the account as delinquent and it may remain on his credit report for
  up to seven years from the date of service or until it is paid.

  Customer Answer

  Date: 10/20/2023

  
  ********** ********
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ***** *****

  The medical bill is incorrect and did not receive the treatment stated on the bill. This state has charges for a cat scan that I never had done at that hospital.

• Initial Complaint

  Date:08/23/2023

  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.

  They sent me a collections notice on a debt that was already paid and no one will answer the phone

  

  Business Response

  Date: 08/28/2023

  We apologize that *** **** had difficulty getting through to our customer service representatives. Our IT department is currently investigating the issue as to how this occurred. We would greatly appreciate more information from *** **** on which number and extension he dialed on his 8/4/23 and 8/14/23 phone calls to our agency, to better assist our staff in tracing the problem.

  The photo submitted by *** **** appears to be of a collection notice from last year; thus, we are unsure of which accounts *** **** is alleging is paid. Since the date on that notice, some payments have been made and several more accounts have been referred to collections. Again, we request more information from *** ****, or proof of payment, in order to further assist with *** ****'s complaint. 

• Initial Complaint

  Date:07/31/2023

  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.

  Medical bill sent to CBS for collection last year, I paid the bill in FULL. I go to a Dr. appointment 2 weeks ago and they try and tell me I still owe several outstanding bills. Billing department starts looking thru what was paid from CBS on my behalf, CBS didn’t send the Dr. Office ALL of the money I paid. CBS only paid off a few of the outstanding bills. I have receipts from CBS for the payments I’ve made and they don’t match the Dr. office. I do NOT owe the Dr. Office not one cent. CBS is collecting money from people and not actually paying the medical facilities the money they are owed. I have an FSA account thru my work and they too have receipts of payments made to CBS. Payments made to CBS were all paid in full and CBS is obviously not actually paying the bills they were put in charge of collection for.

  

  Business Response

  Date: 07/31/2023

  We would be happy to investigate these allegations and request more information in order to do so. Please submit copies of the receipts, the client name who alleges CBS has not appropriately remitted payment, and the account numbers which are not reflecting as paid. We assure *** ****** that CBS operates in full compliance with the law and we are anxious to rectify any error.

• Initial Complaint

  Date:07/14/2023

  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 was in the hospital in 2019 for 4 months and was unable to return to work for another 4 months following my release. I began paying my bills the best I could , but they insisted on turning me over to this collection agency. My wife and I were trying to pay 4 different bills at the same time, and the 3 other companies worked with us without hesitation .Credit Bureau Systems agreed on a monthly payment amount, which we have paid every month since 2019. However, they continue to call and harass me, even trying to state they have NEVER received a payment from us.
  The last phone conversation included the representative telling me it would take years to pay off the account at the amount THEY had agreed to. Also stating they would rather me file bankruptcy so they would no longer have to “deal with this matter.” The representative also said he could stop taking our payments, if they do chose. Ok so if they can refuse my payments, I can stop sending payments.
  Unlike the other collection agencies they refuse to settle the matter, yet complain every month about what they’re receiving. If they don’t care if I file bankruptcy I want them to either write the account off, or stop harassing me.

  

  Business Response

  Date: 07/14/2023

  While it is true that *** *** **** ****** have been paying $10 - $20 in regular monthly payments on these collection accounts since they were referred to us in 2019, we refute the statement that Credit Bureau Systems agreed to this as a monthly payment amount. We spoke to **** ****** in November 2019 and advised her that we needed to set up an agreed arrangement. At that time, she stated that *** ****** had been off work but that they could set up payments in January 2020. We sent numerous letters to the ******** address and attempted multiple calls but were not able to reach anyone again until December 2022, when **** ****** called in and indicated a desire to pay all collection accounts for both her and *** ****** in full, stating that she would call back to do so. Again, we were unable to reach anyone following this call until May 2023, when *** ****** called in to our office. We have no record of ever stating that payments were not being received by the *******. We believe some confusion may have occurred during this May 2023 phone call, when our representative stated to *** ****** that he had no active payment plan, but that we had been receiving monthly payments. We believe this was rectified when our representative on July 13th, 2023 explained to *** ****** the difference between an agreed payment plan and making "blind" payments at will. We regret that *** ****** had a negative experience on this call and we will comply with his request to cease communications moving forward. However, we feel it is important to note that we are a third-party debt collector for Baptist Health - not a debt buyer. Baptist Health still owns these accounts; therefore, we have no ability to "write them off," as *** ****** requests. 

  Customer Answer

  Date: 07/17/2023

  
  
  Complaint: ********
   
  
  I am rejecting this response because:
  
  At no time did myself or my wife contact them and state that we could pay the account in full, so that statement is a lie. If we were financially able to pay this account in full we would have done so in 2019. Their statement of Baptist Health still owning the account is also a lie, because if they did we would still be paying Baptist Health, not Credit Bureau. Fact is Credit Bureau are bullies that when we had to file bankruptcy on them years ago made threatening phone calls stating we could not file bankruptcy on them and continued to call time after time. Similar payment arrangements were made with the other collection companies we owed due to my hospitalization, but Credit Bureau has been the only one that complains about what they are getting paid and refuses to settle for a smaller amount. 
  
  Sincerely,
  
  
  
  ******* ******

• Initial Complaint

  Date:07/10/2023

  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 ****** ******** ********* I do not have a contract with CREDIT BUREAU SYSTEMS, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 07/10/2023

  *** ****** collection accounts ******* and ******* were closed out of our office on June 13th, 2023. They were coded to delete from *** ****** credit report on our next reporting cycle - July 5th. TransUnion and Equifax can take up to two weeks to update that information on their end. We ask that *** **** please allow a little more time for the accounts to reflect as deleted from his report. 

• Initial Complaint

  Date:06/30/2023

  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 Baptist Health Floyd and do not have a contact with Credit Bureau Systems . I have repeatedly requested they send me verifiable proof the debt belongs to me and they have been unable to provide the documentation.

  

  Business Response

  Date: 07/05/2023

  We have attached the itemized statements substantiating *** *******' four collection accounts with Baptist Health. Credit Bureau Systems, Inc. is the third party collection agency for Baptist Health. We have received four ACDV disputes from *** *******; upon receiving each one, the balance was confirmed with our client as still due and owing. We have not received any requests for validation from *** ******* but are happy to provide it here. 

• Initial Complaint

  Date:06/27/2023

  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 received a bill from AMB in the amount of $97.30 on 6/23/2023. I pay all my medical bills online, but when I tried to do that on 6/26 I was informed that a $6.00 fee would be added, and I declined. My next step was to call AMB to pay via credit card, and after numerous attempts to call, only to get voice mail saying "please leave a message", I finally reached an operator who said that there would also be a $6.00 fee to pay via phone.
  This is a first. I'm 69 years old, and have been paying medical bills for many decades, but I've never encountered a medical entity which charged a fee to make a payment of any type.
  
  Hint:
  I'm giving you money.
  To pay my bill.
  In a most timely fashion.
  
  Since my only option now is to mail the payment, I would like my bill for $97.30 reduced by $9.65, which is the amount of Priority Mail postage.
  
  Clue:
  As a former businessman, I of course accepted credit/debit cards. I NEVER added a fee of any kind. I INCLUDED THAT CHARGE IN MY PRICE.
  RADICAL NOTION, I KNOW.

  

  Business Response

  Date: 07/19/2023

  AMB does not charge a fee to pay your bill.  Any fee
  you were quoted was to be charged by a merchant processor to transact a credit
  card payment.  We also offer a completely free option to pay with a bank
  draft (ACH) as well as a convenient standard-sized rectangular payment
  envelope sent with every billing invoice that would require you to purchase a
  $0.63 stamp (for the envelope).  Unfortunately, we do not have the ability
  to arbitrarily reduce debt to cover a consumer’s choice of payment.  The
  amount owed is what our client expects to be paid.
  
  Merchant fees are set by the credit card networks and
  consist of Interchange, Payment Processor, and Bank Assessment Fees.  AMB
  does not set those fees or charge them, nor do we receive any revenue from
  their assessment.  Through the years Visa, Mastercard, and major banks
  have increased merchant processing fees to the point that they are becoming
  incremental to the transaction.  There are a few clients who absorb (or pay)
  those fees for the convenience of using a credit card as payment; however, it
  is becoming fewer and fewer thanks to rising costs charged by processors and
  banks.
  
  We
  apologize for any aggravation or inconvenience you’ve had in reaching out to us
  via phone or mail.  We have dedicated staff in multiple offices who answer
  hundreds of calls daily.  Their hours are limited to normal business hours
  8am-6pm but there is also an after hours option to leave a voicemail for a
  return call the following day.  We hope this helps clarify the
  issue.  

  Customer Answer

  Date: 07/20/2023

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Your response is disingenuous. To mail a bank draft would cost at least $4-$5 for certified mail. You don't really expect someone to send a draft for almost $100.00 through parcel post. Right?

  As far as who is billing the payment fee, what difference does it make? It still has to be paid. What a load of nonsense.
  
  
  
  Sincerely,
  
  
  
  ****** *******