C B Y Systems, Inc. Phone Harassment?
C B Y Systems, Inc., now operating as CBY Professional Services, is a long-established third-party debt collector based in York, Pennsylvania. While the company is legitimate, it must follow strict federal debt collection laws. If CBY contacts you repeatedly, threatens legal action without a court judgment, or discusses your debt with others, those actions may violate the Fair Debt Collection Practices Act (FDCPA). Even if a debt is valid, harassment is not legal—and consumers have clear options to make the calls stop.
Is C B Y Systems, Inc. (CBY) Calling You Repeatedly?
If C B Y Systems, Inc. is calling you about a debt, the situation can feel overwhelming, especially if the calls come early in the morning, late at night, or multiple times a week. Some consumers report threats of lawsuits, wage garnishment, or embarrassing disclosures to family members.
Here’s the key thing to understand first:
You do not lose your rights just because a debt exists.
Under federal law, debt collectors must follow specific rules about when, how, and how often they may contact you.
If CBY violates those rules, you may be entitled to up to $1,000 in statutory damages, plus attorney’s fees and costs.
Who Is C B Y Systems, Inc.?
C B Y Systems, Inc. began operations nearly a century ago under the name Credit Bureau of York. The company later became CBY Systems and, in 2022, rebranded as CBY Professional Services.
The rebrand focused on expanding professional and back-office services for businesses, but the company still operates as a third-party debt collector when pursuing consumer accounts, which means federal consumer protection laws still apply.
Company Snapshot
| Detail | Information |
|---|---|
| Legal Name | C B Y Systems, Inc. |
| Also Known As | Credit Bureau of York, CBY Professional Services |
| Founded | 1927 |
| Headquarters | York, Pennsylvania |
| Industry | Debt Collection & Professional Services |
- Address:
33 South Duke Street
York, PA 17401-1401 - Phone:
(717) 843-8685
Is C B Y Systems, Inc. a Scam?
No. C B Y Systems, Inc. is a legitimate company, not a scam. 🔗 C B Y Systems, Inc. Better Business Bureau
According to public records and the Better Business Bureau, the company has been in business for over 90 years. Longevity, however, does not give a collector permission to ignore consumer protection laws.
Even long-standing companies can face complaints or lawsuits if their collection practices cross legal lines.
When CBY’s Collection Conduct Becomes Illegal
Debt collection law is enforced primarily by the Federal Trade Commission (FTC) and the (CFPB). These agencies oversee how collectors interact with consumers nationwide.
Below is a plain-language breakdown of conduct that may violate federal law if used by CBY.
Potentially Illegal Collection Conduct
| Collector Behavior | Why It Matters |
|---|---|
| Calling before 8 a.m. or after 9 p.m. | Federal law restricts contact hours |
| Repeated calls designed to wear you down | Pressure tactics can qualify as harassment |
| Threatening lawsuits without intent or authority | Misrepresentation of legal action |
| Contacting your employer after being told to stop | Workplace contact is limited |
| Discussing your debt with family or neighbors | Third-party disclosure is restricted |
| Claiming you committed a crime over a debt | Debt is not a criminal matter |
| Ignoring a written dispute or validation request | Consumers have a right to verification |
These rules apply even if the balance is accurate.
CBY Phone Numbers Consumers Report
If you’re receiving calls from the numbers below, they are commonly associated with CBY:
| Reported Number | Format |
|---|---|
| 717-843-8685 | Local |
| 7178438685 | Alternate format |
Collectors may rotate numbers. A different caller ID does not automatically mean it’s a different company.
What Federal Law Says About Debt Collection
The Fair Debt Collection Practices Act (FDCPA) is the primary federal statute governing third-party collectors like CBY.
Under the FDCPA, consumers have the right to:
Request written debt validation
Be free from threats, deception, and harassment
The CFPB also accepts complaints when collectors fail to follow the law, while the FTC tracks patterns of abusive behavior across the industry.
A Clear, Calm Path Forward If You Feel Harassed
If CBY’s calls are causing stress or fear, here’s a measured approach that works for many consumers:
Step-by-Step Consumer Action Plan
| Step | What to Do |
|---|---|
| 1 | Write down dates, times, and caller behavior |
| 2 | Request debt validation in writing |
| 3 | Send a limited cease-communication request if calls persist |
| 4 | Avoid verbal agreements you don’t fully understand |
| 5 | Escalate to a consumer rights attorney if violations continue |
You don’t need to argue. You don’t need to panic.
Documentation and clarity matter more than confrontation.
Why Rebranding Does Not Change Legal Obligations
CBY’s transition to CBY Professional Services in 2022 reflects its business-to-business offerings and expanded support services. However:
A rebrand does not override federal consumer protection law.
When CBY engages in third-party debt collection activity, it must still comply with the FDCPA, regardless of how broadly it describes its professional services.
Final Takeaway for Consumers
Being contacted by C B Y Systems, Inc. does not automatically mean you’ve done something wrong—and it does not strip you of legal protection.
Harassment is not a negotiation tactic.
Threats are not proof.
And silence is not your only option.
If CBY crosses legal boundaries, federal law gives you tools to stop the behavior and seek accountability.
FAQs
Q1: Who does CBY collect for?
A1: CBHV, like CBY, collects debts for various creditors including medical, utilities, and financial institutions, assisting in recovery processes.
Q2: Who is IC Systems Inc.?
A2: IC Systems Inc. is a nationwide debt collection agency that recovers past-due balances on behalf of multiple creditors and businesses.
Q3: Who is C B Y Systems, Inc.?
A3: CBY Systems, now CBY Professional Services, is a 92-year-old Pennsylvania-based collection agency formerly known as the Credit Bureau of York.
Q4: Is CBY Systems, Inc. a scam?
A4: No, CBY is a legitimate debt collection company in business since 1927, though some practices have led to complaints.
Q5: What is CBY Professional Services?
A5: CBY rebranded in 2022 as CBY Professional Services, expanding from debt recovery to professional back-office and support solutions.
Q6: What collection tactics does CBY use?
A6: Complaints mention repeated calls, threats, illegal contact times, and discussing debts with third parties, potentially violating the FDCPA.
Q7: Can CBY garnish my wages or sue me?
A7: Yes, if they win a court judgment or the debt qualifies federally, CBY may garnish wages or initiate a lawsuit.
Q8: Can CBY report my debt to credit bureaus?
A8: Yes, collection agencies like CBY can legally report unpaid debts to credit bureaus, affecting your credit score negatively.
Q9: How do I stop harassment from CBY?
A9: Send a written cease-and-desist letter, dispute the debt, and contact a law firm if CBY violates your consumer rights.
Q10: What phone number does CBY call from?
A10: CBY may call from 717-843-8685 or similar numbers. Receiving frequent calls may signal possible harassment under the FDCPA.
Consumer Rights Law Firm, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the C B Y Systems, Inc. harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from C B Y Systems, Inc, call us at
Success Stories in Professional Services
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