Bonded Adjustment Company

On 7-20-at 1:48pm our collector called [redacted] looking for a *** We reached a recorder so we left the mandatory message required not naming ** On 7-20-at 2:20pm we received a call from a male who gave us the reference number we provided on the messageThis allowed us to access **account We inquired as to who he was and he said "I am the one asking the questions" We asked for **and he said he wasnt him He said we keep calling and leaving messages on his phone and he was not the person we were looking for He gave us the number of [redacted] which does not cross reference to this accountOnly [redacted] does by the reference number [redacted] he provided This was the FIRST call we have made to the [redacted] The account was just listed on 7-11- We dont know how a 323# goes to his #206# but since it 'apparently' does, we have removed the 323# from our system and it will not be called again Please note we tried to get to the bottom of his inquiry but since he would not cooperate we could do nothing further than what we did Dennis D***/Bonded Adjustment Company

To: Revdex.comFrom: [redacted] Re [redacted] Thank you for your email.Account was listed for collections 4-9-for medical treatment 10-"14.Collection call was made 4-21-and a message left.Another message was left 4-23-156, 5-11- [redacted] called 5-11-and again 5-12-whenshe gave insurance information.This was given to client on 5-13-to bill insurance.On 8-17-insurance reported insurance payment, write off and patient responsibility.Had contact with [redacted] 9-14-She pays the patient responsibility portion of bill.On 12-6- [redacted] called complaining about creditI gave her option to write a letter to clientexplaining her sideShe admitted getting phone calls but didn't call back since didn't get bill.Told her client likely agree to deletion if letter was nice.On 4-10-we received a letter from [redacted] asking for deletionSent to client for review.On 4-10-our client agreed to have us deleteWe changed the status code to deleteWhichwent to the credit bureau on May 4th with Aprils transactions.We disagree with her comments and from our perspective and notes she was the one that wasrude and condescendingThat's why she was cautioned to write a 'nice' letter.The credit bureau can take up to days to process our transmittal

Complaint: [redacted] I am rejecting this response because:You still have not addressed the complaint at handThe harassment of your employee towards a consumer is against the lawWhat steps have you taken to reprimand this employee? I told him when I received validation of the debts payment will be madeNothing was "in response to" because I have not received one document from your officeHe acknowledged you use a third party mail service, maybe there lies your problemMy correct address is on my credit file, surely you can find itFunny that after I paid over 20k off on my accounts you now come crawling for your $The way your employee harassed me is unacceptable and THAT is the complaintDisputes will continued to be filed until I receive validation for the debtsYou can say you sent them all you like, where is the proof? For all I know you are blowing smoke out of your ears

Dear Revdex.comOur transaction started with [redacted] in 6-4- When charity paperwork was provided that debt was resolved Most recently we received a dispute via EOSCAR from the credit bureaus on 1-4- [redacted] claimed 'company will delete'We responded the debt (a different one from 2010) was verified as reported.On 1-27- [redacted] filed another dispute through the credit bureau 'not liable'She filed a duplicate dispute on the same date 'not aware of collection'On 2-28-she filed another dispute 'not liable'On 4-4-yet another dispute 'claims paid'On 7-24-another dispute 'not aware of collection' with a statement they will not provide me verification of the debt Since this was the first time anything was asked for validation was mailed.On 8-9-another dispute 'not aware of collection'All ACDV disputes were responded to

First the truth: *** called our office on 5-23-at 4:24pmShe was put on hold so thefloor manager could review the notes (lines of them)She hung up and called right back and per our note lines said she' didn't have time for this, you need to read faster' She was told there
was a lot to go throughWhen she became verbally abusive at that point the manager terminated the call.A judgment was entered in errorOne of the clients included in the lawsuit had asked for a delay for their review This was overlooked by both Bonded's trial representative and counsel.On 5-24-at 6:a.mthe file was reviewed and the error discovered A motion to vacate the judgment was preparedAn email was sent to the attorney asking him to stop by and sign and then enter at the court The file was then sent to Bonded's legal department to set a new trial date.The entry of judgment was not intentionalIn fact we had multiple witnesses at court on the other cause of action included in the complaint.Again, the judgment is being vacated (like it never happened) and another date will be set.Sincerely, Dennis D

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

As far back as 6-22-***s response to our office 'is working but is none of our business and we can deal with that' shows her attitude when contacted by a third party collection agenciesShe claims we never responded to disputesbetween 1-4-and today she has filed nine (9) consumer disputesAll ACDV's have been responded to through EOSCARValidation has been mailed to her multiple times. She has claimed over and over that she has never received anythingAll mail leaving our office is address correction requested and no mail has been returned. She responded to last mailed validation that in exchange for deleting the items from her credit bureau she would pay a greatly reduced amountWe declined her offer. If we do not respond timely to the ACDV's the item will be deleted by the bureaus. This is why consumers file the same complaint over and over and over again

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

Complaint: [redacted]
I am rejecting this response because:Your response has nothing to do with Alex S[redacted] if that is even his real name, violating Title [redacted] of the Fair Debt Collection. He is harassing consumers and should be fired. I filed a dispute two times, with all 3 credit bureaus, and still have yet to receive validation from you. If you would like to send validation via cerftified mail, I will verify the accounts. My complaint is about harassment, about him mocking the way I speak, so your response needs to address that.

It is pretty pathetic that I had to go this far to do a complaint to get a response and even talk to an attorney. First, I was not VERBALLY abusive. I called from work and I also have several witness that can say I was NOT. Another lie from this company to make them look good. What I did was tell them that I will contact an attorney. If  they think that is verbal abuse, then so be it. This company is VERY SHADY! Not once did  they company call be back and tell me that THEY MESSED UP!!

Dear Revdex.comOur transaction started with [redacted] in 6-4-10.  When charity paperwork was provided that debt was resolved.  Most recently we received a dispute via EOSCAR from the credit bureaus on 1-4-17. [redacted] claimed 'company will delete'. We responded the debt (a different one from 2010) was...

verified as reported.On 1-27-17 [redacted] filed another dispute through the credit bureau 'not liable'She filed a duplicate dispute on the same date 'not aware of collection'On 2-28-17 she filed another dispute 'not liable'On 4-4-17 yet another dispute 'claims paid'On 7-24-17 another dispute 'not aware of collection' with a statement they will not provide me verification of the debt.  Since this was the first time anything was asked for validation was mailed.On 8-9-17 another dispute 'not aware of collection'All ACDV disputes were responded to.

I have talked to [redacted] this morning at 7:11am
She has a better understanding why the Spokane Court records are incorrect.  I have prepared duplicate unconformed documents for her which she is picking up from our office this morning.
We are in agreement that this resolves her...

complaint.
Dennis D[redacted]
Bonded Adjustment

On 7-20-16 at 1:48pm our collector called [redacted] looking for a **... **.....      We reached a recorder so we left the mandatory message required not naming **...  . 
On 7-20-16 at 2:20pm we received a call from a male who gave us the reference number we...

provided on the message. This allowed us to access **... account.  We inquired as to who he was and he said "I am the one asking the questions"  We asked for **... and he said he wasnt him.  He said we keep calling and leaving messages on his phone and he was not the person we were looking for.  
He gave us the number of [redacted] which does not cross reference to this account. Only [redacted] does by the reference number [redacted] he provided.  
This was the FIRST call we have made to the [redacted].  The account was just listed on 7-11-16.
We dont know how a 323# goes to his #206# but since it 'apparently' does, we have removed the 323# from our system and it will not be called again.
Please note we tried to get to the bottom of his inquiry but since he would not cooperate we could do nothing further than what we did.
 
Dennis D[redacted]/Bonded Adjustment Company

To: Revdex.comFrom: [redacted]Re [redacted]Thank you for your email.Account was listed for collections 4-9-15 for medical treatment 10-17 "14.Collection call was made 4-21-15 and a message left.Another message was left 4-23-156, 5-11-15. [redacted] called 5-11-15 and again 5-12-15 whenshe...

gave insurance information.This was given to client on 5-13-15 to bill insurance.On 8-17-15 insurance reported insurance payment, write off and patient responsibility.Had contact with [redacted] 9-14-15. She pays the patient responsibility portion of bill.On 12-6-16 [redacted] called complaining about credit. I gave her option to write a letter to clientexplaining her side. She admitted getting phone calls but didn't call back since didn't get bill.Told her client likely agree to deletion if letter was nice.On 4-10-17 we received a letter from [redacted] asking for deletion. Sent to client for review.On 4-10-17 our client agreed to have us delete. We changed the status code to delete. Whichwent to the credit bureau on May 4th with Aprils transactions.We disagree with her comments and from our perspective and notes she was the one that wasrude and condescending. That's why she was cautioned to write a 'nice' letter.The credit bureau can take up to 30 days to process our transmittal.

Complaint: [redacted]
 
I am rejecting this response because:You still have not addressed the complaint at hand. The harassment of your employee towards a consumer is against the law. What steps have you taken to reprimand this employee? I told him when I received validation of the debts payment will be made. Nothing was "in response to" because I have not received one document from your office. He acknowledged you use a third party mail service, maybe there lies your problem. My correct address is on my credit file, surely you can find it. Funny that after I paid over 20k off on my accounts you now come crawling for your $. The way your employee harassed me is unacceptable and THAT is the complaint. Disputes will continued to be filed until I receive validation for the debts. You can say you sent them all you like, where is the proof? For all I know you are blowing smoke out of your ears.

Rude, snotty, unprofessional staff laughs and mocks people calling them for details of why their wages are being garnished, for $500, for a less than $100 eye exam charge that was fraudulent to begin with since it was paid by copay and insurance.

Review: We received a phone call from Bonded Adjustment Co. They claimed to have sent a collection notice saying that we owe $7239.85. The interest being charged to us is $723.98. We requested the original submission letter from them, but they did not send it. We have no contract with them and no debt obligation with this company, but they apparently have purchased debt from and unknown, unverified, creditor. The information that was taken by Bonded Adjustment wasnt verified properly and they wouldnt provide any verification with me. The information that they received from this private creditor is fraudulent. I pointed that out to the agency Bonded Adjustment and told them that I would contact the State Attorney Generals Office, Department of Licensing and the Spokane Revdex.com to lodge complaints. The Bonded Adjustment account reference can be provided to the Revdex.com, if requested. I spoke with two women and the owner of the company. I received some incomplete information in the mail from Bonded Adjustment about this fraudulent debt and an email and paperwork from their claims officer that was inadvertently sent to me. The claims clerk was asking the creditor for the verification of damage, asking for a signed Conditions Report, i.e., move-in-move-out checklist to verify any claims of damage. Instead of a Conditions Report the creditor provided them with a fraudulent unsigned document uploaded from their computer online. No signed and dated mandatory move-in or move-out document ever existed. The intake officer submitted that fact to the creditor twice in an email. Yet, Bonded Adjustment accepted a fraudulent unsigned fabricated Word document as a Conditions Report. Why! This is shoddy work and they are trying to stretch the truth their way! We already went through this with another collection agency 6 months ago. This machination has been going on for almost two years. The creditor lied to their previous agency that we abandoned the house. We did not. We had a third-party agent walk through the house when we moved out. The individual is a licensed real estate broker and said that we left the house in better condition than when we moved in. The landlord was totally toxic; just as toxic as the industrial chemicals we lived with in the house. We broke-off contact with the landlord in September of 2012. The licensed property manager walked us through the home when first renting the home and witnessed the condition of the home and he was also in the home during our occupancy. When we moved out of the house we received our security deposit back. One year later the landlord/creditor tried to claim that we did damage to the house and we received a collection letter from an attorney. The landlord lied about several details to their attorney and we believe the attorney dropped the demand after we responded to his questions thoroughly, and we denied all debt. We asked not to be contacted. I can upload any requested documentation as needed. The real estate agent can provide a written statement stating the fraudulent activity of our former landlord. Also, the landlord tried to get us to commit fraud on their insurance policies and make some claims on items in the home, which we refused to do. Several of these items are appliances being double claimed now with us regarding past Power Surge Damage, which had nothing to do with us. The documents appear altered to confuse the true nature of the alleged damage.The house was in an un-rentable condition when we moved in. The deck was condemned in the back. Many items were broken or didn't work. Before the end of our occupancy the landlord/creditor entered the house and lived there, went on an emotional rampage and threw all of our things all over the place including food, clothing and medications, damaging many items. The creditor/landlord began a major remodeling of the house including a roof replacement without our knowledge or approval. So we had a non-functioning house when we came back from vacation without running water and sanitation. The landlord had work crews and themselves in the house during the last month and a half and beyond. We had no facilities and we were exposed to toxic chemicals without protection. We had no privacy. This is financial and personal harassment based on false facts and bluff. Bonded Adjustment has no mandatory signed Conditions Report of the house, because there never was one. Continued threats from them and the creditor will be viewed as personal violation of Federal law and any sound common-sense business practice.Desired Settlement: We want to be compensated. We are owed for violated months in the house without relocation expenses as we requested. My wifes health deteriorated; she lost her job and we were forced to move out under the atrocious and abusive conditions. We lost income. I want the creditor to be investigated thoroughly for their fraudulent actions against us. I want Bonded Adjustment to dismiss any claim of debt because it is fraudulent and I want them investigated for misrepresentation of facts and threatening us with several unwarranted courses of action. I tried to work with Bonded Adjustments over the phone providing them information about the fraudulent nature of the debt which they had purchased. They did not act on this information that they were given by me. The owner of Bonded Adjustment and background-check company, Bonded Data, said he had no patience to discuss it.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

Dear [redacted]

1. Bonded Adjustment is delinquent in responding to my complaint to the Consumer Financial Protection Bureau. I want them to respond to this Federal consumer protection agency. No Revdex.com complaint is complete until all interagency complaints have been responded to adequately to my satisfaction.

2. I made a request for missing documents to [redacted] and also [redacted] of Bonded Adjustment. I also have submitted a series of questions that I want answered about their involvement in taking my family to collections. I want a response to my email to [redacted] and requests to [redacted] and [redacted] for all documents and explanations that I have requested.

3. Most concerning is Bonded Adjustments assertion that they possess a mandatory Conditions Report. Without this document they should not have proceeded with collections. I want the CFPB informed why they violated my rights and provide all agencies provided with a copy of their Conditions Report or an explanation of why none exists. I provide email proof that a Conditions Report was mandatory and that none exists as recognized by the creditor and [redacted] of Bonded Adjustment when she repeatedly asked for a Conditions Report. No signed Conditions Report ever existed nor any surrogate. This is clearly in violation of Federal Law and want this adequately explained to the CFPB and any other agency that contacts them in the near future.

4. In phone conversation with Bonded Adjustment I was told they had depositions. I have requested those depositions. No depositions or explanation has been given to me. I want to know why such a veiled threat was made to me over the phone. I need a signed explanation mailed to me.

5. I requested the original submission of Bonded Adjustment's letter of collections dated 11-25-2013. I have not received the original or a copy as requested.

6. I requested to see a copy of their license as a collection agency for the State of Washington. And I want a statement that they are in good standing with the WA DOL. I have not received any documents requested or even a statement that they are working on it.

7. No complaint is complete without a response from their creditor signed and in writing. I need a thorough investigation of their creditor brought to bear by Bonded Adjustment. I need Bonded Adjustment to investigate internally to see why my family was attacked with threat of collections when clearly they lacked proper data to pursue any claims against my family. Nor did Bonded Adjustment adequately verify any information from an unknown creditor with malicious intentions and past actions to harm my family repeatedly.

[redacted]

Review: This collection agency is and has been charging interest for a debt I have disputed since receiving collection letter. It took nine months to Track/Serve and attend court([redacted]), still being charged interest. Original charges were dismissed 968.00, and counter claim was allowed for 584.00 on 12/19/2014. Since 3/19/2010 my credit report has shown no less than 792.00 owed entire time. This company very quick to report negative information and very slow to adjust. I have tried to resolve this issue on the telephone with less than acceptable offer my request to remove interest. most recent bill I had to request january 9th show 75.34 interest on 584.00. my report still shows owing 792.00 as of 01/15/2015Desired Settlement: eliminate interest and remove negative reports