Frank's Adjustment Bureau

I have sent a letter via fax to the mortgage company stating there is a zero balance, and I have also reported the zero balance to thecredit bureaus. I feel I've addressed the complaint to the best of my ability.

I did tell her that I had been told that we could get fined, and that my company will not be paying a fine for someone  not paying their bill.  I had office employees in the office at the time the debt was paid and when I received the phone call.  I would never nor have I ever told...

anyone in thirteen years that it was illegal.  I told her this morning that it is NOT illegal, it is a company policy and I choose not to delete.    NOTE: If collection agencies deleted everything a debtor had on their credit report, we would have NO CREDIT  to have a credit report.  So, NO, my company does not and will not delete. It is unfortunate that their mortgage company told them this information.  Not ALL agencies delete records.

I called Frank's Adjustment Bureau to make payment arrangements on a debt that was sold to them. I agreed to the payments and asked if they would be able to provide me with proof that I would be making this payments each month as I need documentation stating that I am doing this. The gentlemen (didn't state his name every while on the phone) I spoke with told me no they don't have forms like this to do this so I asked to speak to someone else. I was given to a lady that also did not state her name and said that they cannot write up a form like this. This is poor customer service as they didn't want to help me nor did they even state who I was talking to. When they have called me before they don't leave a number just a name and ask to call back. They have called repeatedly which is illegal in the state of Wisconsin. This business needs to change their attitudes and work for the customer and learn what real customer service is.

Review: This company held a collection debt my husband and I owed. we are trying to refinance our home and needed to pay this off first and have them delete it from our credit record which the finance company told my husband they could do. I went and paid this in person, [redacted] I asked the manager named [redacted] if she could take it off our credit record. she tolds me she could fax a letter stating it was paid in full to the finance company. I did not know it wasn't the needed step. I felt confident this was taken care of. My husband called and told me to call the collections agency again that they needed to actually delete it off his record not just state it was paid. when I called her back she was rude to me, and stated "That is illegal, collection agencies will get fined if er do that". our entire home refinancing was riding on this., which I explained in tears to her. She continues to stated it couldn't be done. My daughter in law was in the car with me and heard her say this. I called the refinancing company and told them it was illegal for the company to do this. I was informed it is not illegal and the collections agency could in fact take it off. I then called an online attorney that strictly deals in credit score items. She also stated it is not illegal that the collections agencies can delete off your credit report if they want to. [redacted] lied to me. I called her back this morning (April 4 2016) and told her it wasn't illegal that she lied and she proceeded to tell me she never told me that it was illegal only that the agency will get fined it they took it off my credit report. that is not what she told me Friday. My daughter in law was in the car with me and heard her state it was illegal. I understand tghat the fact we did not pay this bill is on us but the agency having the ability to remove it from the credit report could help us. [redacted] lying about this is unconscionable' how many others has she told this to? Why didn't she say she wouldn't do it not that she couldn't do it? She is a liar two timesDesired Settlement: can something be done about monitoring what this agency and others tell their clients? Have signage up or something telling the truth? Also reprimand of some kind for lying. We would still like this paid debt taken off our credit score as soon as possible.

Business

Response:

I did tell her that I had been told that we could get fined, and that my company will not be paying a fine for someone not paying their bill. I had office employees in the office at the time the debt was paid and when I received the phone call. I would never nor have I ever told anyone in thirteen years that it was illegal. I told her this morning that it is NOT illegal, it is a company policy and I choose not to delete. NOTE: If collection agencies deleted everything a debtor had on their credit report, we would have NO CREDIT to have a credit report. So, NO, my company does not and will not delete. It is unfortunate that their mortgage company told them this information. Not ALL agencies delete records.

Consumer

Response: