Who Called From 904-722-2235?
Short answer: 904-722-2235 is a number used by CBCS (Consolidated Business Credit Services) (CBCS), a third-party collection agency based in Columbus, OH — jacksonville, fl office line. They are almost certainly trying to collect a debt, most often telecom debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 904-722-2235?
The number 904-722-2235 is used by CBCS (Consolidated Business Credit Services) (jacksonville, fl office line), a third-party collection agency in Columbus, OH. For the full company profile — ownership, history, and known aliases — see our complete CBCS (Consolidated Business Credit Services) guide. This page focuses on the calls coming from 904-722-2235 specifically.
About this specific number
- 📞 Number: 904-722-2235 (area code 904, ending in 2235)
- 📍 Line type: Direct-dial — resolves to Jacksonville, Florida.
- 🏢 Operator: CBCS (Consolidated Business Credit Services), a third-party collection agency in Columbus, OH.
- 🔢 Related lines: CBCS (Consolidated Business Credit Services) is documented using 3 numbers in our directory, so calls may also come from other digits.
904-722-2235 is a direct-dial number tied to Jacksonville, Florida, which is why the call may have appeared "local" on your caller ID even though CBCS (Consolidated Business Credit Services) operates out of Columbus, OH.
Consumers frequently search "904-722-2235" the moment it rings. If you found this page that way, the safest next move is to say nothing by phone and demand CBCS (Consolidated Business Credit Services) put everything in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: CBCS, Consolidated Business Credit Services, CBCS Inc.
Why Is CBCS Calling Me From 904-722-2235?
In our directory, 904-722-2235 is tracked as a jacksonville, fl office line for CBCS (Consolidated Business Credit Services), which typically collects telecom debt, medical debt, utilities. A call from 904-722-2235 usually happens because:
- ✅ An original account (a telecom debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with CBCS (Consolidated Business Credit Services) to collect on behalf of the original creditor.
- ✅ CBCS (Consolidated Business Credit Services) is now dialing you from 904-722-2235 and possibly other lines to reach a resolution.
Calls from 904-722-2235 often come at the start and end of the business day. Reports around 904-722-2235 often describe repeated daily calls. If CBCS (Consolidated Business Credit Services) is calling you more than seven times in a week about a single debt, that pattern alone may cross into harassment. Some consumers only notice 904-722-2235 after it has called dozens of times. You can send CBCS (Consolidated Business Credit Services) a written request to communicate by mail only — that alone can quiet the phone while you investigate. Either way, the burden is on CBCS (Consolidated Business Credit Services) to document the debt behind 904-722-2235.
Important: a phone call — even from a real number like 904-722-2235 — does not prove you owe the debt, that the amount is correct, or that CBCS (Consolidated Business Credit Services) can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 904-722-2235
Anything you say to CBCS can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 904-722-2235 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from CBCS (Consolidated Business Credit Services).
Don't agree to a payment on the spot
A single payment to CBCS (Consolidated Business Credit Services) — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 904-722-2235.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 904-722-2235. Any legitimate CBCS (Consolidated Business Credit Services) resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 904-722-2235 caller. If it truly is your CBCS (Consolidated Business Credit Services) account, they should already have what they need and must prove it.
What To Do If 904-722-2235 Keeps Calling
Here are concrete next steps for this specific CBCS (Consolidated Business Credit Services) line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Pull your Equifax, Experian, and TransUnion reports to see whether the CBCS (Consolidated Business Credit Services) account tied to 904-722-2235 is actually being reported.
- 2
Ask, in writing, that CBCS (Consolidated Business Credit Services) identify the original creditor behind the 904-722-2235 calls and the date the debt was opened.
- 3
If you believe the 904-722-2235 debt is not yours, dispute it in writing and request that CBCS (Consolidated Business Credit Services) cease reporting until it is verified.
Your Rights When CBCS Calls From 904-722-2235
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send CBCS a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If CBCS (Consolidated Business Credit Services) reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 904-722-2235: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that CBCS (Consolidated Business Credit Services) stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, CBCS generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars CBCS from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 904-722-2235
We investigate the specific CBCS (Consolidated Business Credit Services) account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the CBCS account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to CBCS (Consolidated Business Credit Services). When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
904-722-2235 — Frequently Asked Questions
Who is calling me from 904-722-2235?
904-722-2235 is a direct-dial line associated with CBCS (Consolidated Business Credit Services) (also seen as CBCS), a third-party collection agency headquartered in Columbus, OH and operating since 1934. The number resolves to Jacksonville, Florida. If you received a call from 904-722-2235 — often showing the last four digits 2235 on your screen — it is very likely CBCS (Consolidated Business Credit Services) attempting to reach you about a debt they say you owe, most often telecom debt, medical debt, utilities.
Is 904-722-2235 a scam number?
CBCS (Consolidated Business Credit Services) is a real, registered company, and 904-722-2235 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like CBCS, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 904-722-2235?
You are not legally required to answer 904-722-2235 or call CBCS (Consolidated Business Credit Services) back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, CBCS (Consolidated Business Credit Services) must pause collection until it mails you proof of the debt.
Why is CBCS (Consolidated Business Credit Services) calling me about telecom debt?
A call from 904-722-2235 usually means an original telecom debt went unpaid and was placed with CBCS (Consolidated Business Credit Services), which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop CBCS (Consolidated Business Credit Services) from calling 904-722-2235?
Yes. The FDCPA lets you send a written cease-and-desist demand telling CBCS (Consolidated Business Credit Services) to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 904-722-2235 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt CBCS (Consolidated Business Credit Services) is calling about?
Do not pay anything based on a call from 904-722-2235 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About CBCS (Consolidated Business Credit Services)
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