Audit & Adjustment Co. Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/23/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98125	Web
On or about XX/XX/2023, I received a letter from Audit & Adjustment Company , Inc. stating that I owed two medical bills to XXXX XXXX. The debts was sent to collections because my insurance had not been properly recorded at the time of billing. I contacted the debt collector and informed them that I would be in touch with XXXX with my updated insurance information. My insurance benefits paid XXXX on XX/XX/2023. I then received a call on XX/XX/2023 from someone claiming to be with the Audit & Adjustment Company , Inc. I informed them that my insurance had paid on the bills, but that I would need to call later to discuss details. I made an effort to call Audit & Adjustment Company , Inc. back on XX/XX/2023, at XXXX PST. I spoke with someone named " XXXX. '' XXXX falsely claimed that she worked at XXXX, misleading me as to who I was speaking with. She falsely claimed that XXXX did not have any record of my insurance benefits paying the bills. After insisting that she work for XXXX, XXXX insisted that she needed me to specify my insurance benefit payments in order to " credit '' my XXXX account. I asked XXXX why, if she worked for XXXX, she did not have access to my insurance payment history as outlined in my explanation of benefits. XXXX responded by informing me that I was required to give her that information myself in order to credit the payment. I became wary, feeling misled and deceived. XXXX told me that she would " note my refusal '' in my file, making me feel uneasy and like I'd done something wrong. I promptly called XXXX and they confirmed that they did receive my insurance 's payments for both bills, and that XXXX does not in fact work for XXXX. XXXX gave me a reference number regarding their attempt to relay the updated insurance information to Audit & Adjustment Company , Inc., so I called Audit & Adjustment Company , Inc. back with that information. I spoke with someone and they confirmed that XXXX did not work at XXXX, and that they would take steps to square away my account. Claims : Audit and Adjustment Company , Inc. 's employee XXXX engaged in false, deceptive, and misleading representations and engaged in false, deceptive, and misleading collection means when she : ( 1 ) claimed she worked at XXXX and used XXXX 's name to identify herself rather than Audit & Adjustment Company ; ( 2 ) told me XXXX had no record of receiving payment from my insurance ; ( 3 ) claimed that I was required to provide her my explanation of benefits and insurance payment information in order for the payment to credit my account with XXXX ; ( 4 ) told me that declining to provide certain personal information, including my personal insurance information, resulted in a " refusal '' to be recorded in my file.
01/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98362	Web
Either my wife or I visited XXXX XXXX XXXX on XX/XX/XXXX. XXXX. My wife and I were estranged in XXXX, and I no longer lived at residence. I was XXXX and in a XXXX XXXX from XXXX XXXX to XX/XX/XXXX. It took me another month before I could get my mail as I was technically XXXX and needed to get mail from wife who didn't want to see me. In XXXX I got the bill for the XX/XX/XXXX service. At that time, I paid what I could and then went about setting up a payment plan with XXXX. At some point after that, mail from Audit and Adjustment company was being sent to my wife 's address. When I finally got it, I went to the website the collector gave me on their notice and input the account number they provided to make payments. All bundled together and no way to differentiate were XXXX XXXX which I assumed I had payment plan with, and discharged debts from my bankruptcy in XXXX. Which I know the collector was notified at every possible address associated with them. I can provide court documents. No way to not pay just the hospital bill. I needed to pay all including discharged debt. According to my statements I receive every month online from the hospital, everything is okay. I had no way of knowing whether my insurance finally remitted payment or what. All debts with hospital bills are under one account and once I setup automatic payments it all went green. This seems like dirty pool. When you are hospitalized for an extended time and can't get to mail. You shouldn't get out and get your mail and see a final notice statement when you had just gotten a first notice and the balance was still pending insurance claim processing. I didn't even have a chance to pay before it was in collections hands with them trying to collect whole account that includes discharged debts. Not get any notification as their notices were going to my estranged wife who was just throwing mail into a shoe box. I never got voicemail. Only voicemails I get are no information at all, just " to avoid further actions on our claim for damages, call xxx ''. I've never received recent communication about this and assumed according to statements from hospital that everything was just fine. I never received notification that the debt was turned over. I figured there was a lag in communication, and it was taken care of. Notice from XXXX I received in XXXX tells me to go online, enter account number and pay balance in full. If pay the balance of account in full, I'll also be paying discharged debt, and a debt I was led to believe was part of my payment plan with XXXX XXXX XXXX.
06/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 982XX	Web
The original creditor " The XXXX XXXX '' performed surgery on my wife 's cat. They stated we should use XXXX XXXX, and we subsequently applied and were granted {$4500.00} for the surgery. They performed the surgery, and did not anchor the leg pin correctly. The pin stuck out of the cats skin more than an inch, and required constant wound care. We took her back, and they said they had no idea what to do, and we had to beg for antibiotics. They refused to perscribe cat pain killers even though she had a XXXX out of her back. They then informed us that they had fired their office manager, and would not take the XXXX XXXX which they had suggested directly that we use, and that the full amount was due even though the credit terms with XXXX XXXX were 2 years no interest. This is unacceptable and borderline fraud. We attempted many times to talk with the business owner to come to some arrangement. We have since filed a small claims case against the practice, and we had notified the business of the court case prior to them selling our account to a collection firm " AUDIT AND ADJUSTMENT ''. When we found out about the collections, we contacted the collection firm and notified them that the debt was disputed, and sent them copies of the court papers. Their response was a simple note with the name, but not address of the XXXX XXXX ( I believe that FDCPA requires the address as well ) as their verification of the debt. We called back and reiterated that there was an ongoing dispute and pending court action. Imagine my surprise to when my credit monitoring software notified me today that " AUDIT AND ADJUSTMENT '' had filed a collection record. First the debt is clearly being disputed and a Judge will decide if the XXXX XXXX is liable tomorrow. Second for them to go after myself and my wife and ding our credit when there is a clear and specific dispute and pending court action where we are the moving party is insane.
02/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98223	Web
I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
02/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98223	Web
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
10/07/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92630	Web
I called the collection company, Audit & Adjusment Co , Inc and tried to arrange a payment plan, or deletion if paid in full. They flat out refused and wanted all mine and my spouses information before they would consider a reduction. They also insisted I owed several hundreds of dollars additional in interest, which I do not owe since this is medical collections, and I never signed interest documents with the original " creditor ''. They also included an additional item not reported by any credit bureaus, second line item on attached letter. I will pay what I owe not a penny more. They are extremely rude, I called in after years of financial struggles, not one call or letter from them and wanted to make things right. I made the call to them. The representative was unhelpful. I don't expect them to be overly nice, but plain ugly and rude is just unnecessary. Please help me, they won't respond to any postal letter mail nor emails and I refuse to speak to them since they are so rude and I afraid to get the same representative, as posted by XXXX and XXXX. Thank you
05/31/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98033	Web
I was referred to an out-of-network ( which I don't know it's OON ) by a doctor in in-network hospital for doing a XXXX examination while doing the normal examination there. During examination, I confirmed several time that this XXXX should be fully covered by my insurance and I don't need to pay for it. While I was in the XXXX XXXX XXXX on XX/XX/2022, where I did the XXXX exam, I wasn't notified of anything about the potential cost or receipt. Later I received the payment request of the XXXX for over XXXX dollars. This is a surprise medical bill, because first I've told this is covered by insurance. Second, I wasn't notified of that the provider is out-of-network and I need to pay for this possibly as well as the cost for this exam in advance. Besides, the price for XXXX is extremely higher than regular XXXX XXXX in market ( $ 100-200 is the normal price, but they charged me for {$1300.00} )
07/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98223	Web
I received a phone call from Audit Adjustment on XX/XX/XXXX stating that I owed for an electric bill that I had just paid via check on XX/XX/XXXX directly to XXXX XXXX XXXX. I have the cancelled check that was cashed by XXXXXXXX XXXX XXXX on XX/XX/XXXX this check was endorsed only to XXXX XXXX XXXX. The caller stated that I owed almost {$700.00} more than what my electric bill was. I was very confused by 1 ) the amount and 2 ) Why they were calling me since I had already paid it. I confirmed the amount of my final invoice and thought that the phone call was perhaps a scam. I have one letter dated XX/XX/XXXX from Audit Adjustment stating that I paid them for the electric bill on XX/XX/XXXX. I did no such thing- so this statement from them is untrue. This first written communication was sent more than a month after my bill with XXXX was already paid.
06/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98107	Web
I was called on XX/XX/21 from the phone number : XXXX which was ID 'd on my phone as " XXXX XXXX ''. The caller identified themselves as working for Audit & Adjustment Co Inc and she was calling from XXXX XXXX which she was not ) and identified a $ 600+ debt from a company that I'd never heard of. I indicated to her that she'd have to provide me written verification of this debt, at which point she started asking for my phone number and address - I assume that if the person called me and knew my name that they would already have this information. Since the identity of the caller could not be verified, and I'd never heard of the company in question I immediately believe this to be a scam for people to pay the debt over the phone using a credit card or other such form of payment.
09/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98122	Web
I went to apply for a mortgage and there was a collection account reporting on my XXXX credit report. I have never heard of the collection before, I never received any written notification before it reported on my credit, it just reported. This is not legal. When I reached out to the collector, they claimed it was for a medical bill that was unpaid, but I have 100 % coverage on my insurance, so it was either already paid or it was a billing error from the original creditor. The collector told me if I paid it, they would remove it from my credit, so I paid them. It's been XXXX months and the account is still reporting on my credit and increased my mortgage payment by {$350.00} per month. I've experienced actual damages from this company breaking the law.
10/24/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98028	Web
Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. Amount has now been inflated to {$980.00}
08/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 98038	Web
submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.
01/04/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WA 98008	Web
This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. I never received any notice or communication from this debt collector prior to contacting them. Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.
05/23/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	WA 98296	Web
On XX/XX/19 around XXXX XXXX Pacific time, a lady called my place of work and asked for me by my full name, which is unusual in my line of worker. So my coworker asked where she was calling from and she hesitated but before saying Audit and Adjustment Company. My coworker put her on hold to let me know and we both were confused. Before I could pick up the call, the woman had hung up. I told my coworker I have no clue who that was or what that company is. My coworker decided to XXXX it and discovered it was a debt collector. This was an extreme embarrassment for me and now that info is already spreading amongst my office whispering about me.
06/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98270	Web
I am having two issues : 1 ) This company reported on my credit without sending me a written notification and allowing me a chance to dispute & validate the debt. This is highly illegal to report without notifying me in writing first. 2 ) There is no debt owed to the original creditor, when I called them, they said I did not have any bill with them. This company refused to delete this when I called their office and they have violated numerous consumer protection laws.
02/19/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98042	Web
2008 debt. amount total according to them in XXXX they have garnished XXXX. I was never served, I have called and asked to provide me information that i had been. the amount of this bill was a little over 1 thousand with interest from 2008 it is now over 4 thousand. The only reason i knew i was being garnished was my employer sent me the information. The creditor is XXXX XXXX XXXX XXXX XXXX Audit and Adjustment company XXXX XXXX XXXX XXXX, WA XXXX
10/21/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	WA 984XX	Web	Older American
approximately around 2018, I started to receive calls from Audit and Adjustments regarding medical bills. I requested an audit of the account, however, it never happened. I requested a payment plan with them and they refused to accept what I could afford at that time. Now they are calling me repeatedly wanting my address so they can have me served by an attorney to my home. Durin COVID-19 this company continues to harass me.
04/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 98092	Web
Billed by medical provider XX/XX/XXXX & XX/XX/XXXX. Paid and cleared XX/XX/XXXX. received collection letter XXXX XXXX, Responded to letter XXXX XXXX, with request for validation, advisement that the debt is not my responsibility, previously paid and provided a copy of cancelled check. and requested they stop all communications. XXXX and XXXX collections continues to call XX/XX/XXXX & XX/XX/XXXX.
04/21/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92660	Web	Older American
I started XXXX XXXX, I didn't realize that there was a separate bill from the physicians. The bills were sent to an old address. The debt collectors would not explain who the creditor was. Eventually it appeared on my credit without written notice. Now willing to pay in installments, but would like item removed from my credit since the collection agency did not provide an explanation.
03/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98055	Web
This is a bill for a therapy session which I was virtual. I waited for the therapist and called them several times that there was no therapist online. They charged me XXXX dollars and then kept sending this bill for XXXX dollars for missing the session. I already paid XXXX dollars that they should reimburse me back since they never provided the service.
05/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77845	Web
My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.
03/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78247	Web
I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, XXXX.
01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 713XX	Web
Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97015	Web
AUDIT & ADJUSTMENT INC. services is reporting inaccurate information to the credit bureaus regarding my credit report without giving me any validation or sufficient information regarding the alleged debt.
04/20/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77845	Web
This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.
11/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98201	Web
The XXXX amount owed is not my debt. XX/XX/15
12/30/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WA 98225	Web

10/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98001	Web

11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98404	Web

01/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98466	Web

03/03/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98272	Web

04/29/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	WA 98102	Web

03/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

02/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 98012	Web

05/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98252	Web	Servicemember

09/01/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web

03/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 98445	Web

12/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98375	Web

09/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 02114	Web

08/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WA 98258	Web

08/19/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	WA 98038	Web

06/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98038	Web

04/11/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WA 98531	Web

01/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98102	Phone

10/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98043	Web

02/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WA 98021	Web

02/05/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	WA 98382	Web

10/14/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WA 98119	Web

05/15/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Sued where didn't live/sign for debt	WA 98223	Web

02/06/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	WA 98148	Web

12/09/2013	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	WA 98032	Web

08/27/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98271	Web

08/21/2013	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	WA 98270	Web

02/26/2013	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	WA 98056	Web