Why is cbe calling me?
Unlike many other people you are getting numerous phone calls from CBE Group? Let’s find out why is cbe group calling me? And How to stop receiving phone calls.
They might have called a wrong number, So simply answer the call once and verify with them who they are trying to reach? If you are not that person, ask them to remove your phone number. And you will stop receiving phone calls from them.
CBE Group is a debt collection agency that specializes in collecting outstanding debt for various businesses and organizations. They may be calling you because you owe a debt to one of their clients and they have been hired to collect it on their behalf. If you have received a call from CBE Group, it’s a good idea to verify that the debt they are trying to collect is legitimate and to ask for additional information if needed. If you dispute the debt, you can ask CBE Group to provide proof of the debt and its validity. It’s also important to be aware of your rights as a consumer under the Fair Debt Collection Practices Act FDCPA.
What is CBE Group
CBE Group is a debt collection agency based in Cedar Falls, Iowa U.S. The company provides debt collection services for a variety of clients including businesses, healthcare providers, and government agencies. CBE Group’s services include first-party and third-party debt collection, skip tracing, and recovery services.
The company operates under the Fair Debt Collection Practices Act FDCPAand is subject to its regulations, which aim to protect consumers from abusive debt collection practices. If you receive a call from CBE Group, it is because they are attempting to collect a debt on behalf of one of their clients. It is important to verify the validity of the debt and your rights as a consumer under the FDCPA.
CBE Group is not associated with the Internal Revenue Service (IRS). The IRS is a government agency responsible for collecting federal taxes and enforcing tax laws. The IRS does not typically use third-party debt collectors such as CBE Group to collect taxes.
If you receive a call from someone claiming to be from the IRS and threatening legal action if you do not pay a debt, it’s important to verify the caller’s identity before making any payments. You can do this by calling the IRS directly at the number listed on their official website.
Importantly, If you owe taxes to the IRS, they will provide you with options for paying the debt and may also offer a payment plan if you are unable to pay the full amount at once.
The phone number for CBE Group is cbe group phone number (800) 925-6686. This is the company’s main customer service line, where you can speak with a representative about any questions or concerns related to a debt they are attempting to collect. Please note that this number may change and it is always best to verify the contact information with CBE Group’s official website so please check for more information and updated contact number.
Is this collection agency scam? Like many debt collection agencies, CBE Group has been the subject of scams in which individuals impersonate the company in order to defraud consumers.
These scams can take many forms, including phone calls or emails that threaten legal action unless the consumer pays a debt, or requests for personal or financial information. Here are some common signs of a CBE Group scam:
If you suspect a CBE Group scam, do not provide any personal or financial information and hang up immediately. You can report the scam to the Federal Trade Commission (FTC) and your state’s attorney general’s office, and contact CBE Group directly to verify the validity of the debt.
Yes, CBE Group is a legitimate debt collection agency. The company has been in business for over 70 years and provides debt collection services for a variety of clients, including businesses, healthcare providers, and government agencies. CBE Group operates under the Fair Debt Collection Practices Act that is FDCPA and is subject to its regulations, which aim to protect consumers from abusive debt collection practices. If you receive a call from CBE Group, it is because they are attempting to collect a debt on behalf of one of their clients. If you dispute the debt or have concerns about the legitimacy of the debt, you can contact CBE Group directly or seek legal advice.
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In this day and age, the average American is more likely to be swamped in debt since jobs pay extremely less and people have to rely on loans. However, that can become a pain if you are unable to pay off your debt. Your creditors will hire debt collectors, such as CBE Group, to get their money back or the debt collectors may even buy your debt from the creditor.
Many people tend to panic when they see calls from debt collection agency. They do not know the right response but they do not want to feel pressured either. Debt collection companies can get extremely rude and threatening if you do not pay off your debt. However, if only consumers knew their rights, they would know that these agencies have no right to engage with consumers in this way.
When CBE Group comes knocking at your door, the first thing to do is to search for your rights in the Fair Debt Collection Practices Act 1977. This statute was specifically enacted to protect consumers from illegal actions taken by debt collection agencies such as harassment, threatening to sue, threatening family members, coming to your home in disguise, etc. The key provisions of the FDCPA 1977 are:
When CBE Group contacts a consumer for the first time, they have to give them a ‘mini-Miranda’ which is basically a full disclosure. In the ‘mini-Miranda’ the consumer must be told of their right to dispute the debt, the name of the company, the amount and the right of the consumer to ask for verification of the debt. They have to send you all of this information in writing 5 days after the call.
If a consumer decides to dispute the debt, they have to make sure to send a letter in writing to the CBE Group collection agency. The letter must be sent within 30 days of the call. Till then the calls and messages from the collectors must halt. Once your debt is verified, the company will continue the collection of the amount. If not, they must cease to collect the amount.
If the company badgers you with constant calls at inconvenient times or at work, you can send them a cease communication letter. They cannot contact you during the specified time you mention, can only contact through letters or you can ask them to stop contacting at all. If they have to contact, it will only be to tell you whether the debt has been finished or whether the creditor is filing a law suit against the consumer.
If CBE Group uses abusive or threatening language or harm the consumer in any way, it is illegal under federal law. They cannot call you to abuse you, use profane or offensive language, threaten you or your property or your family. They are not allowed to call the consumer or their family from different numbers, silent phone calls or anything of the like is also illegal.
If anyone from debt collection agency shows up to your home in the uniform of a police officer or claim to be an attorney of the creditor, that is completely illegal. Moreover any kinds of threats to seize the consumer’s property or other assets or have them thrown to jail is also illegal.
Avoid sending personal checks. This may give debt collectors your routing number and account number, allowing them to take out money as they please.
The CBE Group keeps calling you because they believe you owe them a debt and believe that persistently calling you will ultimately get you to relent and pay that debt. However, all creditors, including CBE Group, have limits to how often they can call you.
Dena Standley | October 19, 2022
CBE Group, a debt collection agency, has been around since 1933. The company serves hundreds of creditors, from cell phone providers to the federal government. CBE has a lucrative contract for the collection of U.S. Department of Education student loans.
CBE Group, Inc. is located in Cedar Falls, Iowa, and employs over 1,300 individuals. The company conducts first and third-party collections. However, a long history in the industry and a large footprint does not mean CBE always plays by the rules.
There are 235 complaints listed under CBE Group's profile with the Better Business Bureau (BBB) To CBE Group's credit, they have instituted a policy of responding to complaints lodged with the BBB, and most of those seem to be resolved in the client's favor. However, many of these complaints arose because false or invalid debts wrought havoc on these consumers' credit reports.
CBE Group, Inc. is legitimate, though consumers should always take care to validate that they are dealing with a legitimate collection agency and not an impersonator. With over $93 million in annual revenue, CBE Group is one of the country's largest and most profitable debt collection agencies.
According to the BBB, CBE was incorporated in 1985 and accredited by the BBB since 1992.
It is disconcerting to be contacted by a debt collection agency, and it can be hard to determine if they are legitimate. While CBE is a real collection agency, you can never be too careful. Make sure you do not provide any detailed personal information or information about the debt. They should already have that information before they contact you.
Terminate the call and contact the company directly. They can be reached at:
Address: CBE Group 1309 Technology Parkway Cedar Falls, IA 50613 Phone: (800) 925-6686
Once you have verified that you are speaking to CBE, you have several options. If you have paid the debt or you are making timely payments, you can request a goodwill deletion. It is up to the debt collection agency to determine if they will remove the item from your credit report out of goodwill. Craft a concise, clear letter outlining what you are asking for and why. Elaborate on how the debt ended up in collections and your steps to correct the problem.
If it is your first contact with CBE Group, or you are unsure of the debt, send a Debt Validation Letter. Solosuit can simplify the process, and sending the letter asserts and protects your rights under the FDCPA.
If there is an error in the debt, or the debt has reached the statute of limitations (which varies by state), you can dispute the debt collection. Sending a credit dispute letter to the three credit reporting agencies will initiate an investigation into the debt. If the debt cannot be verified, it will be deleted from your credit file. Your right to send a dispute is covered under Section 609 of the Fair Credit Reporting Act (FCRA). As a result, these dispute letters are often referred to as 609 letters.
The Fair Debt Collection Practices Act (FDCPA) gives consumers legal rights and limits abusive or harassment actions from debt collection agencies. Consumers should understand their rights under the FCRA and have a solid understanding of what a debt collection agency can and cannot do.
Under the FDCPA, companies cannot:
If CBE Group, Inc., behaves in a threatening, abusive, or harassing manner, file a report immediately with the Consumer Financial Protection Bureau (CFPB).
In November 2021, the CFPB passed a new Debt Collection Rule that limits how often a debt collector can contact you by phone. A debt collector is presumed to be in violation of that rule if they contact you more than 7 times in a 7 day period or contact you by phone within 7 days of speaking to you about a debt.
The first step to getting CBE Group to leave you alone is sending a Debt Validation Letter to ensure that the debt and the associated information are accurate and actually belong to you. When CBE Group receives a Debt Validation Letter, they must provide the following information or cease all contact:
If CBE fails to respond to the request for debt validation, then you can request that the information be removed from your credit report. You can do the same if the information they provide has inaccuracies, which is quite common by the time a debt leaves the hands of the original creditor.
Follow the advice above if CBE Group violates the FCRA or the FDCPA. Keep detailed notes of any phone calls and interactions you receive from CBE Group, and file a complaint if your rights are violated. To learn more about how to make a Debt Validation Letter, check out the video below:
If you are served with a Summons or a Complaint notifying you of a lawsuit by CBE Group, do nott ignore it and hope it will go away. When this happens, debt collectors often win a case by default, resulting in garnished wages or liens placed against your property.
The first step to beating CBE Group in court is to draft and file a written Answer to the Summons and Complaint. Here are six tips for drafting a winning Answer:
To learn more about these 6 tips, check out this video:
It is frightening to be sued for a debt, and it can also be expensive to hire an attorney to defend you against claims made by a debt collector. SoloSuit is here to help you fight and win against debt collectors like CBE Group. Our software asks you questions about your debt then puts you in the driver's seat in deciding the right course of action. Debt collectors are far too accustomed to consumers who don't fight back. At SoloSuit, we want to empower consumers to tackle unfair debt collection practices and win against unjust debts.
If you have been contacted by CBE Group, contact SoloSuit to learn about your options. You can fight back, and you can win against CBE Group and other debt collectors.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
Here's a list of guides for other states.
All 50 states.
If you’re being pursued by CBE Group, removing their claims from your credit report can amend potential damages. Following these procedures will help you remove unwanted collectors from your credit report:
These are a few standard procedures you can follow to protect yourself from CBE Group or other debt collection agencies. If CBE Group has made false collection claims against you, take appropriate action and get in touch with us at Credit Glory for support. You don’t have to go through this alone.
Yes, CBE Group is a real, legitimate debt collection agency that services private companies and federal agencies. The agency also purchases acquired debt quotas from companies that have been unsuccessful in their own debt collection.
Since its start in 1933, CBE Group has garnered quite the reputation and is widely known as a menacing debt collection agency. In fact, they’ve received over 300 complaints on their Better Business Bureau Profile within the last three years alone. Consumer dissatisfaction is widespread.
Many individuals assume that paying the CBE Group will prevent further harm to their credit report. However, this is not always the case.
Although paying off debt may sound like a magic solution, the process is often more complicated. When you pay off debt to a collection agency like CBE Group, the only thing that changes is the debt status.
This means that while you may have paid off your debt, the claim will still exist on your credit report. However, the status will now exist as “paid.” Moreover, even though the debt has been cleared, your credit is still affected and will stay on your credit report for 7 years.
These consequences can be detrimental to our financial status. This is why maintaining stable credit and seeking support from a credit repair agency can help us recover from a damaging credit status.
Depending on the nature of the issued debt claim, arranging a settlement with CBE Group or an additional collection agency will have varied outcomes. Arranging a settlement may either harm or help your credit score. Additionally, this pertains to the specific credit information at hand.
If your credit report contains a false credit claim from a collection agency, disputing the claim is a more beneficial approach. A dispute has the potential to remove a claim from your report altogether, especially if the claim is invalid. At Credit Glory, we have extensive experience disputing false debts, and we’ll walk you through the dispute process from beginning to end.
CBE Group is a legitimate debt collection agency currently accredited with the Better Business Bureau (BBB) and has an A rating. A BBB-accredited business means that the BBB has determined that CBE Group met certain accreditation standards, including making a good faith effort to find solutions to consumer complaints. Consumer complaints do not get factored into accreditation.
Headquartered in Cedar Falls, Iowa, the agency also has call centers in Texas, Tennessee, and the Philippines. CBE Group performs both first- and third-party collections for private and government entities, including the Internal Revenue Services (IRS). If the CBE Group is listed on your report, that may mean the agency purchased your debt from another company you did business with that declared your debt delinquent and charged it off.
If you see the CBE Group listed on your credit report, you should see the following contact information:
Phone number: 1-800-925-6686
Website:
Mailing addresses:
CBE Group may be able to sue you and garnish your wages, if you do not pay the debt and if they are successful in obtaining a court order against you. Wage garnishment laws vary by state, so make sure to research your state’s laws.
While CBE Group is legally obligated to stop contacting you under the Fair Debt Collection Practices Act (FDCPA) if you ask them to, it won’t change the fact that you owe the debt, although they will have to prove to the court that you do owe them that debt. As a result, they may come after you through the courts if you ignore their requests for payment.
If Capio Partners has sued you and you don’t believe you’re responsible for the debt, you may want to seek legal advice from an attorney or a law firm with experience handling debt collections cases.
CBE Group collects debt for private companies and government entities alike. The group is also one of only four private collection agencies partnered with the IRS to collect on overdue federal taxes, CBE Group also collects on the following types of debt:
If CBE Group is calling you, they believe that somewhere in your payment history, you owe one of the debts listed above. Perhaps you stopped paying your student loan debt or moved from a previous address and forgot to pay the final cable bill.
If the debt goes unpaid after 4 to 6 months, the original party may sell the delinquent debt to agencies like the CBE Group, which attempt to collect on that debt.
Depending on your situation, you may take several steps to try removing a collections account or erroneous debt from your credit report, including items from the CBE Group.
Before you can determine the best way to remove CBE Group from your credit report, you must understand if the debt is accurate or inaccurate. If it’s been less than 30 days since the first collection effort, request proof of the debt from the collection agency. If CBE Group can’t show proof, the debt can be expunged from your credit report.
Debt collectors must tell you how much you owe, the name of the creditor you owe it to, how to get the name of the original creditor, and what to do if you don’t think the debt is yours.
Check which of the three major credit bureaus (Equifax, Experian and TransUnion) the collections account was reported to by obtaining copies of your credit report. You can get a free copy once a year at annualcreditreport.com to check your credit.
If you find incorrect or inaccurate information on your credit report regarding the debt (for instance, the debt amount is much higher than you remember, it belongs to someone else, or it’s outdated), the collector may not be able to prove that you owe the money for that debt.
You can dispute the debt to get the inaccurate item removed so that you fix the error on your credit reports. File a dispute with the three major credit bureaus and ask them to remove the inaccurate item from your credit report.
If you owe the debt listed and the validation letter confirms it, you can offer to negotiate a settlement or set up an installment plan to close the collection account. Closing a collection account through a negotiated settlement is better than leaving it unpaid and open, just waiting for it to drop off your credit record.
Remember that only inaccuracies can be disputed and removed from your credit report. So the only options for removing accurate debt from your credit report is to negotiate a pay for delete or request a goodwill removal. While you may negotiate one of these successfully, bear in mind that debt collectors furnish data according to the Fair Credit Reporting Act (FCRA), which means they are obligated to report accurate debts. Even if they agree to a pay for delete or goodwill deletion, they do not have to follow through with it and can still report the debt.
Once you’ve received notice of the debt you owe, you can try to negotiate a pay for delete, asking CBE Group to remove the debt from your credit reports in exchange for you paying off the agreed-upon debt amount. Through this method, you would request a pay for delete, in writing, asking CBE Group to accept the payment amount you are able, or willing, to pay to have the debt removed. However, debt collection companies may deny your request, and even if they do accept it, they can’t remove the negative mark from the original creditor and are under no obligation to remove the collection from your credit history. Be sure to get there agreement in writing.
Even if the account still appears on your credit report, it’s beneficial to pay your debt because some credit scoring models do not penalize you for paid collections. These include FICO® 9, VantageScore® 3.0 and VantageScore® 4.0. Keep in mind these are currently not widely used scoring models.
Another way to try and remove CBE Group from your credit score is with a goodwill letter. The letter explains why the debt occurred and provides proof that this was an extenuating circumstance to your otherwise consistent payment history. For example, you lost your job or had a medical emergency.
Like a pay for delete, a goodwill letter is not an official strategy and is not guaranteed to work. The Federal Trade Commission states that if negative information is accurate, it will simply take time to go away.
The CBE Group is a legitimate company, but it has had hundreds of complaints lodged against it in the last three years, according to the Better Business Bureau website. For a complaint to be accepted by the Better Business Bureau, it must meet these criteria. Complaints tend to be higher in the debt collection space.
Some of the most common complaints against CBE group include:
If you would like to file a complaint, you can contact CBE directly by calling 1-800-925-6686 or file a complaint directly with the Better Business Bureau by clicking the button “File a Complaint.”
Other common complaints lodged against debt collectors include attempts to collect a time-barred debt, which has outlasted its statute of limitations and can no longer legally be pursued.
Plaintiffs also cited the failure to notify debtors of their debt before attempting to collect it, as well as attempts to collect the erroneous debt — for instance, debt that belongs to someone else, has been paid but not recorded correctly or contains other errors that render it invalid.
The CBE Group keeps calling you because they believe you owe them a debt and believe that persistently calling you will ultimately get you to relent and pay that debt. However, all creditors, including CBE Group, have limits to how often they can call you.
All debt collectors are bound by the Fair Debt Collections Practices Act (FDCPA), which bans repetitive phone calls, profanity, and threats. They are also not allowed to lie to you, and they must reveal who they are, who the creditor is and the true amount of the debt owed.
If the CBE Group has contacted you, understand your rights. Like any debt collector, the CBE Group may not:
If you don’t believe the debt is valid, you have 30 days from the time you were notified of the debt to dispute it, which means that CBE Group will have to prove that you owe the debt and that they are the valid holder of the debt.
Disclaimer: FICO is a registered trademark of Fair Issac Corporation in the United States and other countries.
Ana Gonzalez-Ribeiro, MBA, AFC® is an Accredited Financial Counselor® and a Bilingual Personal Finance Writer and Educator dedicated to helping populations that need financial literacy and counseling. Her informative articles have been published in various news outlets and websites including Huffington Post, Fidelity, Fox Business News, MSN and Yahoo Finance. She also founded the personal financial and motivational site www.AcetheJourney.com and translated into Spanish the book, Financial Advice for Blue Collar America by Kathryn B. Hauer, CFP. Ana teaches Spanish or English personal finance courses on behalf of the W!SE (Working In Support of Education) program has taught workshops for nonprofits in NYC.
