| 05/08/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XX/XX/XXXX received letter from claimed XXXX XXXX XXXX XXXX XXXX impersonator named Credit Adjustments , Inc. It used " Borrower ID No. XXXX for {$70000.00} dated XX/XX/XXXX, a year after my Chapter XXXX no-asset bankruptcy. More importantly, its predecessor, XXXX XXXX and others defaulted in the adversary proceeding. The U. S. Attorney General at XXXX in court said it was {$50000.00} as a claim - not {$70000.00}. Even then, he had no documents, the debt was in dispute and the U. S. Attorney at XXXX filed an improper pleading after asking for an extension to answer the Complaint. Since neither filed a Proof of Claim to verify the chain-of-title debt or to explain how the guarantor woukd have already paid the government, thus owing nothing to the federal government ; the credit report after that XXXX hearing stated those alleged federal debts were " included in the Chapter XXXX discharge '' and were not collectible due to no proof. So my trial is XX/XX/XXXX, and I will now ask the judge to address this " zombie debt '' for violations of the Fair Debt Collections Act regarding furnishing false information on my credit report given this never-ending nonsense. And also to address the new false furnishing on my credit report by this Credit Adjustments, Inc. The " fresh start '' provision of the Bankruptcy Law afforded ample opportunity for the creditors to " put up or shut up. '' They falsely claimed that it is my burden to prove " undue hardship '' before they prove the debt is real. Moreover, the reverse is required. The government or its collectors must show chain-of-title proof prior to any proof on my part. They failed to do that. Now, the judicial admission that the debt was included is in keeping with the XX/XX/XXXX " Dear Colleague '' letter by the XXXX XXXX XXXX guiding the creditors on legal costs relative to claims and other particulars. Also, XX/XX/XXXX is the deadkine for the Federal Register to receive comments related to " undue hardship '' all of which will be addressed at trial XX/XX/XXXX. I will file two motions against Credit Adjustments , Inc.. The first is a violation of the Chapter XXXX discharge that was furnished by the predecessor as inclusive of all federal student loans it held. And a motion in the trial case to enjoin this company in the trial. This company is committing fraud. More specifically, it is not entitled to that amount of {$20000.00} more on a one year time frame. That is usary. Also, it is using the U. S. Mail and committing mail fraud in defrauding me. Lastly, its Chief Compliance Officer will get a subpoena to supply the chain-of-title documemts to enjoin their predeccesor back into the case for assigning this debt after it defaulted and otherwise neglected to file a Proof Of Claim. Incidentally, the XXXX XXXX XXXX was on the Matrix of Creditors and also failed to file a Proof Of Claim. In the beginning, a servicer failed to follow the federal regulations. The XXXX XXXX XXXX failed to enforce its own regulations. This means they knowingly failed me and then forced bankruptcy. Now, a full year after the bankruptcy ended and the adversary proceeding began, I am going to file this letter with the court to get closure once and for all. There is a 57 % default rate on Income-Based Repayment recertification due to lack of work or lack of taxable income for which some rogue servicers wilfully trigger defaults. The XXXX XXXX XXXX makes it worse by offering a new IBR plan where it was denied at the beginning of the rogue servicer actions. They can't have it both ways. The XXXX got paid by their guarantor. So who has a valid claim? No one. All either defaulted or lied to got out of the case or otherise ignored the summons and complaint and the lead bankruptcy case completely. Despite that, it was either aware or directed after the XXXX hearing with the lawyer for the XXXX that it was futile. No doubt, XXXX XXXX fraudulently sold the abandoned debt to its affiliate to clean up its books or to dupe another creditor or to mislead me into thinking this debt was still valid. See you in court!
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| 10/05/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Hi there, I had both my federal and state taxes illegally docked despite there being a moratorium per the Cares Act until XX/XX/XXXX. The department of Education actually sent me a letter saying payments were paused. I had roughly {$7300.00} taken that I need returned. I'm a single mother of XXXX kids XXXX with no financial help and am facing utility shut off notices and threats for my car being repo-ed. I was an XXXX XXXX until COVID hit and my oldest is at XXXX XXXX with his extreme XXXX, with our doctor highly suggesting I not resume interacting with the public until things settle down. My PUA ( self-employment UI ) just ended and this money is very needed right now to keep my family afloat.
I was directed by Health and Human Services to call OSU for assistance with my debt and did so numerous times over the years, seeking forbearance or any sort of help. Each time I am told that they are private loans so there's no help. I do not understand how I had to go entrance and exit online counseling to get the loans and I signed up for student loans, not private. They say that when I dropped down to part time it changed to private? I do not understand how a loan can change like that. I have all of the emails from the time of origination and they all say " student loan ''. They're also having me pay back grants, which is weird. Further, to my understanding, private loans can't be docked unless there's a judgement. So I don't understand how they've ever been docked from my state. And they say that they did request that payments not be docked but it wasn't until XXXX and my payment arrived in XXXX. I do not believe they can not offer a reversal due to financial hardship during a pandemic. Additionally, I was never told that I had a whole separate loan that's federal. To my knowledge, the initial amount owed was XXXX and I've paid that back and then some over the years with my taxes being docked. It's hard for me to believe that over the years that I asked for help, they never bothered to tell me that part of my loan was federal and that I could actually get forbearance or some kind of help from federal. I honestly don't believe that they don't have any type of programs for their loans themselves though. I've never heard of such a thing. No forgiveness, loan discharge, or consolidation, repayment options? I feel they're taking advantage of me and I'd like my loan discharged at this point. As I've been looking into this, I'm seeing that they're legally required to provide me statements and repayment options, of which they've done neither. Reading that Department of Education says states can hold student loan servicers accountable when they fail to provide eligibility of forgiveness programs or provide false/misleading info on account. The loans were from 2009 so if they're private, the private should have maybe dropped off?
I would like my payments to both OSU and federal returned. The servicer that docked payment for federal is Credit Adjustments Collection Company : XXXX XXXX XXXX. They are not returning my calls.
I appreciate your help greatly!
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| 02/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The options your form brought up did not provided the correct options for me to select. I was sent a letter from XXXX XXXX XXXX that I owed a specified amount to XXXX Hospital. I attempted to contact Credit Adjustments on 4 different occaasion during a 2 week period and was advised that they were unable to help me. I attempted to make a payment arrangement with them on each of these occasions and were told that I was not able to do this over the phone, i could only do so by filling out the form on the back of the letter that was sent to me, i advised them that I moved and the letter was not in my possession since my move. I was advised that, this was the only way to stop the garnishment. I contacted the court and asked the court if they were able to send me the letter of judgement against me to work something out with Credit Adjustments, i was advised by the courts that i should have been able to work that out with Credit Adjustments. I explained that i had tried 4 times and they wouldn't work with me, only that i had to fill out the form on the back of the letter. The court then gave me the lawyers name and phone number and advised that he would work with me. I called XXXX XXXX XXXX in XXXX, OH and was at first advised by his paralegal that they could not take a payment arrangement, that i needed to contact XXXX XXXX XXXX to make them. I advised that i made 4 attempts to do so and they would not work with me, she then advise that XXXX XXXX contact me back to discuss. from this conversation, he advise that when I received the garnishment paperwork from my employer that i could then file for a hearing that i disagree with the garnishment and another hearing would be made and he would consider a reasonable monthly amount at that time. I filed for a hearing and took vacation time to attend this hearing. When i arrived at the hearing, XXXX XXXX did not show up to court and only sent a letter to the judge stating he didn't see a reason for the hearing and asked the judge to keep the garnishment in effect. The judge had no way to decipher if i was telling the truth that XXXX XXXX was the one who had me schedule the hearing so that i could propose a more reasonable amount for my income as the law is set to take 25 % of employees disposable income, not taking into consideration, they have rent, car, insurance and utility bills to pay. I am seeking assistance from a Credit repair company and they upon hearing what had happened advised me to contact you and advise of my mulitple attempts to make payment. I had previously filed and gave all the pertinent information regarding Credit adjustments and your office had been unsuccessful in obtaining information from Credit Adjustments and had asked me to send in a copy of soemthing with Credit Adjustments address and phone number on it. I mailed the documentation on XX/XX/XXXX and somehow you never received it. The Case # is XXXX. I was advised by one of your reps to submit a new complaint and attach the documents to the new complaint.
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| 07/25/2017 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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CAI canceled my default repayment program because of lack of paperwork which I was told by their representative I had turned in all of my paperwork. I set up a payment plan with CAI to get my student loans out of default. During the initial set up the rep told me that they would be sending me paperwork to fill out by XXXX and I would need to complete it and send it back before my 9 payments were complete. I needed to complete that paperwork before my payments were done in order for this process to work. I never received the paperwork but they were taking my payments. I called to let them know I never received any paperwork by XXXX. That rep confirmed it was never sent out and he would have it sent out. Again, I never received the paperwork. I called and the rep again confirmed the paper work was never sent and they would send it. I called again for the 3rd time and spoke with a rep who confirmed it was n't sent again and sent me an email with my paperwork along with a place to download my files to them. I filled out the paperwork with him over the phone and submitted it. He also said my account had been cancelled because I had n't turned in the paperwork. I had no paperwork to turn in. He said that since I had only missed one month of payments since they cancelled my account and that he would reinstate my account and I would only have 2 payments left. I never received confirmation that they received my paperwork so I called and followed up. The rep I spoke to said that one of my papers was approved and one was denied. She told me word for word what to say on that document, I downloaded it to them while on the phone with her and she confirmed I had handed in all of my paperwork and I was good. I only had 2 payments left. That last call was in XX/XX/XXXX. My payments were to be done in XX/XX/XXXX. I called in XX/XX/XXXX to follow up as I should have been done. I spoke to 3 reps, one being a supervisor and one a manager. All of them said my account was never reinstated like the previous rep had stated and that no payments were ever taken out after that even thought I had updated payment in XX/XX/XXXX for them to use. I took full responsibility to follow up constantly with this company, did everything they said to do, turned in the paperwork when I finally got it. The manager said my account was cancelled because I never turned in my paperwork. NO ONE WOULD SEND ME PAPERWORK. I had no paperwork to send in. But they graciously took 7 of my 9 payments. Every rep I talked to confirms my paper work was never sent. But somehow it is my fault that the paperwork was never completed. Their only solution was that I need to start all the way over with my 9 payments. I have made full effort to make this transition successful. I was told that I was not speaking to experienced reps and thats why this happened. It was suggested I only speak to tenyear reps to avoid this problem. This mistake was made completely and fully by CAI and they fraudulently canceled my repayment program.
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| 11/25/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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Well In XX/XX/XXXX my loans went into default I had a job but was at the time XXXX in and out of shelters and finally was accepted into permanent supportive housing. Unfortunately I only had a low paying part time job which i was barely able to make ends meet and I had done forebodance previously and was planning on trying to do that again then was laid off from my job late XXXX and on XX/XX/XXXX I sustained a XXXX XXXX XXXX from a XXXX XXXX which left me unable to work for around 5 months during those 5 months I was undergoing constant medical treatment and XXXX XXXX XXXX XXXX and was only receiving benefits from the county falling behind in all bills and facing eviction I just as of this month XX/XX/XXXX have just now caught up on my rent and am getting into a more stable situation I though back in XXXX or XXXX I had done some sort of corresponding about my student loans and should definitely have been getting assistance with handling my important financial matters seeing as I did not have the XXXX XXXX at that time and actually still suffer from XXXX XXXX XXXX XXXX XXXX as well as a number of XXXX XXXX XXXX from the incident however I did not seek assistance and thought i was handling everything just fine however i was not and am still trying to stabilize financially. I do now have full time and gainful employment and am in a position to begin making payments however my loans are already in collections and I know i made my loan servicer aware of my situation at the time but i do not recall being given any information on options as far as payment arrangements or deferment and I could be wrong i honestly do not have any clear memory of anything for about six months after my injury but I now feel like if my wages are going to be garnished at a time when I am finally beginning to become stable it will force me into homelessness and probably back to being unemployed I am considering bankruptcy at this time however this action has already started to happen and I just can not afford to take any loss in my income like the paperwork is saying. I now its my own fault but I was only living on my food stamps and a tax refund for over five months and still was not able to manage I do live in section 8 housing but unfortunately the timing of my injury and changes being made to adjust my rent took nearly two months my landlord was working with me thank XXXX but I have no room for any more falling behind i will be forced back into homelessness is there not any options available for me at this point or perhaps do I need an advocate of some sort to assist me? I can make payments within reason but i do have rent bills and am a single mother and i receive no child support whatsoever and my rent was just increased this month my energy bill was over a thousand dollars which i have spent the last two months paying off and now this. I am not avoiding the situation I actually would like to get the situation to a manageable level if at all possible
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| 10/16/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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My Federal Student loans are in Default and was taken over by Credit adjustment INC. This collection agency is refusing to work with me in repaying my loan and coming out of Default when they first reach out to me I receive a call requesting XXXX to be paid immediately which I had advised that I didn't have then they ask for XXXX he stated that if I didn't paid they will start garnishing my wages I advised the representative ( XXXX XXXX ) that I didn't have that amount of money as I'm just starting to get back on my feet my house was going into foreclosure but we were able to resolve the foreclosure issue. he then stated let me see if you qualify for the rehabilitation program then stated that it will be XXXX a month once again I advised that I can not afford that amount he then reminder me again that it would lead to 15 % of my wages to be garnish I stated that I couldn't pay that amount. The next day I call back spoke to another rep ( XXXX ) who stated that the previous rep work the account incorrectly and stated that I will only pay XXXX a month for the next 9 months she then requested for me to fax my expenses the way we when over it over the phone which I did then I receive a call back the next day by the previous rep asking me for more money then he went over the information again and stated yes you will pay XXXX I made my first payment on XX/XX/2018 then I call to make sure he receive that last document he needed then he stated that he was wrong with the amount he had me pay and it's XXXX a month I advised him that I do not want that amount withdrawn from my account I agree on XXXX he stated that unfortunately that was not the correct amount he then stated lets see if we have another program then he advised we can place on a payment of XXXX for the next 240 months when I calculated the amount after the 240 months its XXXX I told him I can not afford this amount he stated how about XXXX a month he advised there is nothing we can do for you so or you pay the XXXX or we will garnish your wages. This company is not willing to work with me at all I do want to come out of default but for a reasonable amount I went in default cause I was going through a hard time in my life with my home going through foreclosure, the passing of my younger brother, my dad going through XXXX XXXX and losing his benefits and an ill mother I do apologized I had a lot on my plate at the time but I'm back on my feet and want to take care of the matter but Credit adjustment is not willing to help me in this matter but more of threating me to garnish my wages.
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| 09/08/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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In XX/XX/XXXX, I contact Credit Adjustments after having my wages garnished {$140.00} ( i'm biweekly so it was actually {$280.00} a month ). I explained that I could not afford that and my other bills were backing up ( I had already had my car repossessed once because I couldn't afford to pay it ). I was told that I could pay 5 payments of the agreed $ XXXX/month then I would be back to current and my wages would not be garnished anymore. I would then go on a $ XXXX/month plan and credit organizations would be notified and so would my work. It was my understanding the payments were consecutive and I should be done in XX/XX/XXXX. I even confirmed with this woman on my case and she said " yes, that's what that meant ''. I continued with the wage garnishments with the understanding they would end fairly soon.
In XX/XX/XXXX, I noticed they were still taking the full garnishments and I was told the person I spoke to previously hadn't told me the truth and it was 5 monthly garnishments NOT based on every paycheck so I would be done by XXXX instead. This is when I was officially signed on to the repayments and {$10.00} were taken every paycheck. On XX/XX/XXXX, I called Credit Adjustments and spoke to someone 4 times that day ( I have record in my phone ) and they told me that I just had to get to the week of XX/XX/XXXX and I would have fulfilled the loan requirements and again they didn't understand why the previous person had told me differently.
As of my paycheck on XX/XX/XXXX, a garnishment was still taken out. I called on XX/XX/XXXX and was told that the people I spoke to on XX/XX/XXXX had not put in a " stop garnishment '' request for me even though I had asked them to do so when they told me it would end in XXXX. On XX/XX/XXXX I was told that they could NOT refund my money because a " stop garnishment '' request had not been put through and they can only refund after this request is put through and a garnishment occurs. Even though this person admitted that he saw that I had called on XX/XX/XXXX several times.
I have been dealing with this for 9 months at this point and I get a new story every time I call. I can not afford to continue to do this. I have been late on my car payment several times and this is tanking my credit.
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| 01/04/2017 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Recently while conducting a monitor of my credit report I discovered that CREDIT ADJUSTMENTS XXXX # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL - CONSULTANT but I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL CONSULTANTS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more thatis to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.
Please note that falsification of the information you received from any medical provider can be percieved as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
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| 03/26/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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After I graduated from university, my job as a XXXX XXXX XXXX did not pay as much as the school promised. I struggled to pay for rent, car payments, insurance and necessities. With my parents help however I started slowly repaying loans, first those with high interest rates. There was one instance where XXXX processed the payments but did not credit my account. This was my first problem with this private for profit collection agency. After my complaints XXXX issued an apology and recorded my payments.
In 2017 still experiencing financial hardship I fell behind in loan payments and XXXX overreacted by placing my loans in default. The U.S. Department of Education demanded that the entire outstanding loans be paid immediately or threaten to refer my debt to a collection agency. So my mother took a XXXX XXXX dollars loan from her employer to help me.
On XX/XX/XXXX I called the Department of Education customer service center to make sure that the payoff amount was accurate. ( XXXX phone log is available upon request ). The customer service representative adjusted the total payoff amount to {$19000.00} My parents transferred the money to the D.E. account on the same day.
Three weeks later on XX/XX/XXXX, I logged on to XXXX account to make sure that my payment was recorded correctly and that there wasnt any other outstanding charges, the account showed a balance of {$0.00} I truly believed that I was done with loans, but then a letter arrived on XX/XX/XXXX stating I owned more money. How could that be? Now Credit Adjustments Inc. of New Hampshire wants to extort more money {$880.00} for their role in collection process. I am not at fault here. It was the Department of Education or XXXX who failed to maintain procedures to ensure accuracy of loans. Also they provided inaccurate loan payoff information which created false belief regarding my loan. For those reasons I shouldnt be responsible for paying extra interest or collection fees.
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| 08/06/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.
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| 04/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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I have been attempting to arrange a repayment agreement based on income, I sent all required documentation in a pre-paid XXXX XXXX envelope, have receipt dated XX/XX/XXXX XXXX received phone call 2 days later stating " all requested documents not in envelope '' but as conversation went on suddenly they found several more documents being uploaded. spoke with supervisor who apologized and stated " we have hired a lot of new people and they jumped the XXXX calling you before everything had been uploaded ''. also told supervisor at that time that harassing calls before XXXX XXXX Central time were going to cost me my job, 3rd time I told them not to call before XXXX XXXX. received another call on Thursday XX/XX/XXXX documents ( copies of paystubs never found ). was sent an email with upload link and uploaded requested documents at XXXX. XX/XX/XXXX received phone call at XXXX XXXX XX/XX/XXXX stating they sent letter to begin garnishment because requested documents were not sent. AGAIN uploaded while on phone with agent and response was " we seem to have a glitch in the system ''. This company has NOT got the resources or trained staff to assist in loan rehabilitation and are ATTEMPTING TO DELAY MY DOCUMENTATION to enable themselves to garnish rather than work with me on payment agreement.
Credit Adjustments, INC.
XXXX XXXX XXXX XXXXXXXX XXXX NH XXXX I have done everything as requested BUT they are failing on their end. I have recorded the last conversation with representative stating " glitch '' and have screen shot showing upload completed but this company stating it does not have the uploaded documents ( paystubs ). BLATANT act of incompetence or malicious maneuver to pursue garnishment.
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| 02/27/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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I was filing my taxes in XXXX of 2019 and my refund was taken by the US Dep of education. I called and they said Credit Adjustments, inc had taken the debt. I was unaware I had debt with them as the account is closed on my credit report. I called Credit Adjustments inc and tried to set up a payment plan. I told them I could not pay a lot but I would pay something every month. They asked if I was married and I said yes. They asked for his paystubs and tax info from the last year as well. I refused to give them my husband 's info it was not his debt. The total debt was {$15000.00}. He is not in the home he is deployed with the military he has no part in paying it with his income it would have been {$400.00} a month and I barely make {$100.00} a week if I can work with other personal bills. I was thrown in a panic. They then said I qualified for a {$5.00} a month plan after I refused and I have been paying that. I then found out they called my husband with out my consent I believe XX/XX/XXXX and when they did they did not say who they were or that the phonecall was being recorded. They just asked him how I make money and how much. He refused to answer because he didn't know who they were. He looked at the number and it was Credit Adjustments , inc . It has been a few months and they are calling me again. I called them back for them to tell me they had no one able to talk to me and I haven't heard from them since. I feel like their practices are unethical and I am honestly not even sure if I owe this debt! I pay for another college loan that is private and this one seems odd. Their behavior is aggressive for someone that agreed to pay and is being compliant.
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| 07/17/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Credit Adjustments, Inc out of XXXX , Ohio has repeatedly been told that I dispute the claim of the debt they are calling about as well as to never call my business phone number again. They call at least twice a week and have not stopped. Today I emailed them through the XXXX XXXX XXXX XXXX the following letter ( they do not have an email on their website ). It went to XXXX XXXX who is listed as the president of the company : XXXX XXXX XXXX XXXX , 2017 Credit Adjustments, Inc.
To whom it may concern, I am responding to your contact about collecting a debt. You contacted me by phone, on XXXX / XXXX /17at my place of business. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. This notice is in compliance with the Fair Debt Collection Practices Act and you are not permitted to contact me via XXXX at any time in the future in regard to this matter as that is a public line and others will have access to it. I have retained two copies of this letter and will be submitting one to the Ohio Attorney General if you persist as well as the Better Business Bureau.
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
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| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called Credit Adjustments Inc., the collection agents for my two defaulted federal student loans. ( Credit Adjustments Inc. ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program.
I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. XXXX says the baddie will stay until XXXX. XXXX!!!
Called and wrote to XXXX ( other two c.r.a. 's are not reporting the debt ).
XXXX reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''
|
| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
A debt collector named Credit Adjustments keep calling me and also has sent regular mail to my business demanding payment for a bad check written to an online company named XXXX XXXX in the amount of {$110.00} in XX/XX/XXXX.
I repeatedly have told Credit Adjustments that this debt is not correct and is impossible because my company filed as a Corporation with the State of California and was not opened until XXXX of XXXX and that it is impossible for me to have written a bad check in XX/XX/XXXX and that they can verify this information by visiting the Calif State website and look up my corporation name of XXXX XXXX XXXX and verify what I am telling them is the truth.
However, they continue to harass me after I verbally informed them to stop calling me and stated they are in violation of the Fair Debt Collection Practices Act. I have since written an email to this company since asking them to stop calling me did not stop.
I then wrote an email to this company called XXXX XXXX and informed them of the same, and they sent me back an email and they stated they asked Credit Adjustments to stop calling me for this collections for this check.
This company Credit Adjustments has obviously violated the Fair Debt Collection Practices Act and should be held accountable for their actions so they do not continue these practices to others.
Best Regards, XXXX XXXX
|
| 02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
At the end of XX/XX/XXXX, I paid my student loan debt with Credit Adjustments Inc ( a debt collector acting on behalf of US Dept of Education ). When I paid the debt, I was informed by the collection agency that I was being offered a " compromise '', which is essentially settling the debt for a smaller amount than actually owed. According to the collection agency, I was informed that any previously reported negative information on my credit report pertaining to this account would be deleted. This has not happened. I still show a total of 48 derogatory remarks on my credit report for US Dept of Education.
In addition, the balance on my credit report is being falsely reported. The US Dept of Education updated my balance on my credit reports to show a balance of {$0.00} on XX/XX/XXXX. However, as of XX/XX/XXXX, they re-updated the credit report, which now shows a balance of {$1700.00}. The account was settled in full for {$1600.00}, therefore, it should show a {$0.00} balance. I have attached a copy of the letter that was sent to me from US Dept of Education stating that my balance is settled-in-full. Therefore, I am requesting this be changed immediately to reflect a {$0.00} balance. I have sent numerous letters to the US Dept of Education, as well as disputed directly with all three credit bureaus. This situation is still un-resolved.
|
| 10/19/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Credit adjustment inc has furnished this Alleged collection accountXXXX Please be advised that I hereby dispute the validity of the alleged debt listed in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me.
( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other assetaccount.
( 5 ) Please send me a copy of any assignments of the promissory notes for the related student loans.
( 6 ) Please Send me a copy of the required written authorization received from me by the original creditor to provide a third party such as yourself with information on my behalf.
|
| 03/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix.
I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments.
Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say.
I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers.
There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.
|
| 05/22/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of me.
|
| 02/17/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I sent my tax paperwork into credit adjustment on XX/XX/XXXX. I was told by the agent that I was clear of an offset and that he didnt see anything on my account. He said as long as I set up my first payment I was good. I set up my payments and made sure they took them out of my account each month. I filed my taxes XX/XX/XXXX. Im in a group on XXXX and saw that there is a number to call to check on offsets and I called it. Sure enough there was on offset with department of education. I called Department of Education & Credit Adjustments and was informed an offset was placed on my account XX/XX/XXXX. I filed a complaint against the agent for giving me false information. If he wouldve told me that I had an offset I wouldnt have filed my taxes until the offset was lifted. My complaint was resolved and the Department of Education proved my claimed was valid and that he did indeed give me false information. But, they were still moving on with collections and he was going to be talked to and go into training. This is ridiculous, I shouldnt still be penalized because of what the agents you hired told me.
|
| 03/22/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Okay, yesterday I was shocked to find out my refund has been offset again. After all day on the phone the only answer I got was okay we will put a dispute on your offset. This was told to me by the collection agency that works with Dept. of education. This was XXXX XXXX. I filed these loans over twenty years ago. Over the years I worked for 10 years I had my wages garnished weekly for a total that could buy me a college! Also year after year from approximately XXXX till now EVERY refund has been taken as well. This is where it gets very interesting I asked and pleaded for my payment details. I believe there is either a HUGE error or something.. Now when I was a kid I really didnt take track BUT I do know I have transcripts and my family didnt have much so I also received grants and aid. There is no way this can still be unpaid. I didnt even graduate!!! So I learned the hard way. I want to know what do I have to do because NOBODY is giving me an answer. I am in financial ruin and was relying on that refund. Please help!!
|
| 03/17/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible.
Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
|
| 05/28/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Dealing with communication tactics and improper contact to third parties ( family and relatives ). He has gotten ahold of me multiple times and knows the number to reach me at, but continues to call my husband ( multiple times ) my husbands father, my mother, my brother and possibly others ( these are the only ones who have reported getting a strange call from " XXXX XXXX at CAI trying to reach XXXX XXXX, please have her give me a call back. '' in voicemail. Of course family has googled CAI and his name and found it to be debt collection- which I find in direct violation of FDCPA and my rights. His harrassment continues and when I tried to reach him by phone have been told he is " on a conference call '' and will call me back- so phone calls are always on his terms. He wants me to consolidate this privately held student loan into my federal student loans ( Which I was told not to do due to interest rates skyrocketing ). I explained all of this to him and he continues harassment.
|
| 09/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I agreed to a compromised amount for my student loan of 10 years that I never knew existed in XX/XX/2018. I began making payments in XX/XX/2018. I called the company that made the compromise with me on XX/XX/2018 and specified I wanted to pay the remaining balance off in full. The representative added the amount up for me and I paid the amount I was told is the FULL BALANCE. He assured me I would receive a paid in full letter in 3-4 days. 3 weeks went by and I had not received anything so I called them back to see where my letter was. They then stated that the representative gave me the wrong amount by {$50.00} and since my compromise was to be paid in full by XX/XX/2018 and was not due to them giving me the wrong information I now owed an additional {$1400.00} in interest and fees. I asked why no one gave me a call in those 10 to let me know THEY had made a mistake and she said she would research the situation and get back to me.
|
| 03/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, I was contacted by Credit Adjustment , Inc about a medical debt. I stated that I had not received any written communication detailing the debt I supposedly owed. She told me a letter was sent. I let them know I would like to review the letter, look into the validity of the debt, and would contact them next week. I asked them to please stop repeatedly calling my phone in the meantime. I was told that this is their process and they can note the account but would keep calling me. I informed them that I had rights to not be harassed and to receive my communications via mail. She told me they would not oblige. I asked for her name and she refused to give it to me and wanted me to speak to her supervisor. I informed her that there was no reason to talk to a supervisor, that I wanted to know her name, and that I would be filing a report. She refused and stated she would note my account, but would still continue to call.
|
| 04/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I constantly receive calls from ( XXXX ) XXXX and they usually leave messages simply stating that " this call is from a debt collector ''. They never mention the name of the company they are working, or my name, or what the supposed debt is for or what the dollar amount is. I never call them back because I do not owe any debt and this sounds like a scam. I figured that they would eventually quit calling me since I never answer their call but it's been 4 months now and the calls have only become MORE frequent ( weekly ). Sometimes I receive calls from other numbers that sound very similar but I certainly can't prove that the calls are connected. So far, I have received calls from this number XXXX on the following dates and times : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Is there anyway I can stop this?
|
| 04/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have submitted the Loan Rehabilitation : Income and Expense Information Document to Credit Adjustments , Inc. 5 TIMES via fax beginning XX/XX/2018. Each time I submit there was an excuse on their end to may paperwork ( didnt receive it, wrong document, spouse info should be on there, spouse info shouldnt be on there, the fax came through too faint ). Failed correspondence is why I am in default and now on the verge of garnishment Credit Adjustments , Inc. are playing games with my paperwork!!!!!! I have dealt with at least 5 different representatives including XXXX, XXXX and some guy named XXXX, I believe.
I had no issues getting my rehab setup on my XXXX XXXX XXXX debt and that bill is for more than the Department of Education debt Credit Adjustments , Inc. is servicing! Why is that??? I believe Credit Adjustments, Inc. is trying to sabotage me and get my pay check garnished.
|
| 01/14/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
This was several months ago, i have been very busy. I got a letter in the mail for a loan i apparently took in 2012. I did do financial aid aka fasfa. That was token care of. Now i have this letter saying i owe XXXX XXXX dollars, and its a letter from an collection agency. I contacted the agency and they say its for a loan in XXXX of 2012, but there were 2 loans and for a school called XXXX XXXX XXXX XXXX and XXXX located in XXXX, florida. Problem is i live in XXXX arizona, and never have lived any where else. So some one used my ssn to create a loan for this school. I tried talking to the agency but they were pretty much not caring and really didnt want to help, they told me to go to this website and wouldnt tell me how to navigate from there. They were getting frustrated. As i have had 2 tax refunds token from me, totaling about XXXX XXXX This has been a big hassle.
|
| 01/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received a letter dated XX/XX/18 from Credit Adjustments , Inc regarding defaulted student loan. This was a defaulted student loan to someone with my same first and last ( maiden ) name and it has been following me since the late XXXX though I keep disputing it - I am not the person they seek and I have not defaulted on any student loans. Most recently in XX/XX/2018 I was contacted by the Dept. of Education regarding this loan and as requested I sent them a copy of my social security card and passport to dispute the loan but just a few weeks later I get this letter from Credit Adjustments. About five years ago I was contacted by a different debt collector regarding this loan and after submitting a complaint to the CFPB they stopped contacting me. Debt collectors need to do a better job verifying the people they harass are the actual people they seek.
|
| 12/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
The original consolidation loan amount in 2003 was for just over {$24000.00}. Fast forward through marriage, XXXX kids, multiple moves for job changes, LIFE. Repayment was off an on as I took time from work to raise children. My job is not high paying. Now the XXXX XXXX working with the government (? ) has garnished my wages, taking just over {$500.00} a month away from me. We already live paycheck to paycheck, and now I am not going to be able to pay my XXXX rent already. The debt they now seek for me to repay is over {$67000.00}. I am almost XXXX XXXX XXXX. I will be dead before they ever collect all of the money -- XXXX of which is compounded interest - but before that happens my children and I will be homeless and I will lose my job because of it. This is absolutely criminal. I can not believe they are permitted to do this.
|
| 12/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site.
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it.
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.
|
| 10/01/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My wages are being garnished for a student loan and have been for a year. This is has caused me a great deal of stress. I have XXXX XXXX XXXX and have had to have several XXXX which causes me to be off work.Due to XXXX with my illness I exhaust my vacation and PTO days. I also have a XXXX, XXXX, and XXXX that I have to see monthly. I contact Credit Adjustments Inc,XXXX to discuss payment options and was told that I had to pay the amount in full. My health not getting any better and I would like to be able to make monthly payments toward this debt. I had to drop out of school and unable to complete due to my illness and with the garnishment it is making it difficult for me to afford the basic necessities. I understand my financial obligation and under no circumstance am I negating my responsibilities.
|
| 04/17/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid an outstanding student loan debt for the XXXX XXXX XXXX through a collection Company named Credit Adjustments in the amount of XXXX on XX/XX/2018. I was informed that my credit report would reflect that it was paid within 7 to 24 days after payment. It has not been updated or reported as of XX/XX/2018, which is now 28 days. I reached out to Credit Adjustments and they informed me that they do not directly report to the credit agency 's, rather that the XXXX XXXX XXXX will do at their next reporting cycle which is not what I was told initially. The contact information for the collection agency is : CREDIT ADJUSTMENTS I via CREDIT ADJUSTMENTS INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX My confirmation number for the payment is XXXX.
|
| 03/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
the company name is Credit Adjustments inc, I have been making adjustment plans to make payments, I have send the papers they asked me, but I have told them in many ocations not to call me during working hours and they seem to ignore that petition. I work in an environment where I have people in my office all the time and I cant be on the phone, plus eveytime they call me they have me on the phone for like 45 to an hour and I cant do that in my job I have asked them to call me efter XXXX o XXXX XXXX sometimes they do some times they DONT and Im tired I have send them every thing they asked for, but they still dont stop calling me, they are affecting me in my job and my peace of mind, stopping me from doing my job they way I have to.
|
| 06/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
A company called XXXX XXXX XXXX did not correctly submit a bill to my health insurance company. I tried repeatedly to get them to send necessary documents to my ins. co. through our local BBB but they either ignored the BBB and did not respond, or falsely claimed I owed the bill. The claim has now been paid in full after I filed a grievance with my insurance company and I have a letter stating such. If XXXX had filed the claim correctly the XXXX time it would of been paid 100 % as that is what the coverage is. Instead XXXX turned it over to Credit Adjustments who call me over and over harassing me and NEVER identifying themselves. Again this bill has been paid in full to XXXX. Thank you!
|
| 09/07/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This company Credit Adjustments was hired by The Department of Education to collect a debt that was discharged in a Bankruptcy due to medical reasons. It was filed in XX/XX/2003. Docket # : XXXX.
I have sent numerous letters requesting that they stop attempting to collect this debt. The Depart of Ed is intercepting my tax returns, even though they have collected over {$XXXX}, XXXX through wage garnishment.
When I call Credit Adjustment, they refer me to the Depart of Ed, and vise versa.
It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.
|
| 03/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid a XXXX co-pay using my flexible spending account. {$31.00} of the {$45.00} co-pay went through. XXXX would not accept a remaining balance of {$13.00} payment as payment in full and they demanded {$45.00} instead of the remaining balance of {$13.00}, so they handed this debt over to the collections company Credit Adjustments Inc. I sent the document to Credit Adjustments Inc. of the {$31.00} payment that was already paid to XXXX. Credit Adjustments Inc. said they also would not accept the {$13.00} as payment in full. I asked to talk to a supervisor. They told me to hold on and then they hung up on me.
|
| 10/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX Credit Adjustment INC contacted me regarding a balance that was owed to the pharmacy counter that was dated XX/XX/XXXX. I never went to the pharmacy counter on that date and at the time I was a minor. I tried to explain that to them and they would not.listen. I also asked them to send out a letter in which the Representarive names XXXX hung up on me. Then I was told by a 2nd representative that it was legal for them to try to collect from me since I now turned XXXX, which is not true. I would like to seek legal counsel for harassment as well as them being untruthful with me.
|
| 08/15/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received a letter stating my wages would be Garnished for Credit Adjusments Inc. I tried to contact them by phone in XX/XX/XXXX. Twice leaving messages asking to enter into a voluntary repayment plan. I never received return call and now they ARE garnishing my wages. I finally reached them and was told the only way to lift the wage garnishment was to pay off the entire amount of {$28000.00} and that even if I did enter into a repayment plan it would be in ADDITION to my wage garnishment.
I would love to set up a long term repayment plan but they will not work with me.
|
| 11/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam.
|
| 02/25/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have been trying to reach Credit Adjustments Inc. by telephone for days. I dial the number and get a recording that says all representatives are busy handling other calls, please hold for the next available representative. After being on hold for 5 minutes, it goes to a busy signal or voicemail. I have left messages, and they won't return my call. I have called every 5 minutes, for hours at a time. Somehow, they know who is calling and are ignoring me ; and, are just waiting for my Social Security to be garnished in XX/XX/XXXX.
|
| 05/27/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This collection account appeared on my credit report fraudulently. I have never been billed by any medical provider or received any correspondence from Credit Adjustments Inc. about owing any debt. This item has been placed on my file without giving me the option to dispute the account, because the debt is not mine. I have filed disputes with XXXX and the company continues to auto-update the account without any proof of it belonging to me. I would like this item removed immediately.
|
| 09/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My daughter was taken to the ER few years ago by her father, he signed the check in and signed the discharge for her. After few years i started getting contacted about a bill of {$710.00} for that visit, i tried to solve this issue with the hospital but they simply ignored my information and did nothing about it, now i see that it has been hitting my credit score when it should had been in my ex husbands credit score, i was not responsible for that.
|
| 11/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with Credir Adjustments Inc after receiving a debt thats not owed. I asked them to validate the debt and the couldnt. They stated that they got the collection from XXXX. I did in fact call XXXX billing department they looked through my bills and seen that the bill never went into collections and they have no idea to how this company ended up with my information as the bill was paid by my medical insurance.
|
| 03/28/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.
|
| 11/05/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received mail notification on XX/XX/2019. Alleged debt from the U.S. Department of Education, student loan, in the amount of {$46000.00}.
I have never had a student loan from the U.S. Department of Education.
I have not attempted to contact the debt collector, Credit Adjustments , Inc. due to the fact I think this is a scam.
|
| 08/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.
|
| 04/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!
|
| 06/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have been receiving harassing, threatening and XXXX threats telephone calls from Credit Adjustments , Inc. representatives in regards to an account and debt of {$440.00} that I do not owe. The debt do not belong to me. I am a victim of identity theft.
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.
|
| 08/01/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have disputed an account with Credit Adjustments by mail and they have not been able to provide validation of the debt. They sent me a letter with a bill, I asked for validation which they did not do and still put it on my credit report.
|
| 02/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed.
|
| 09/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 02/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached.
|
| 01/26/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages.
|
| 02/09/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.
|
| 07/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong to me.
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 12/31/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Need debt verified or removed from credit report.
|
| 10/29/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/27/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/03/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/19/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/09/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Servicemember |
|
|
| 09/24/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/09/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 07/10/2019 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 05/08/2019 |
No |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 04/18/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Fax |
|
|
|
| 03/19/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/02/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 02/27/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/23/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/18/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/23/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 01/07/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/10/2018 |
No |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/29/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 05/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Older American |
|
|
| 04/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 11/29/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/02/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Referral |
|
|
|
| 08/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Referral |
|
|
|
| 04/27/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
|
| 04/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 02/09/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 01/27/2017 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 12/27/2016 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 12/09/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Referral |
Older American |
|
|
| 12/06/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 10/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 06/02/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/21/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/02/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/07/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/02/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 05/16/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/15/2014 |
No |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|