Modern Adjustment Bureau CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA XXXXX	Web
I have an interest-free loan through a local organization. It is co-signed by my brother and now-deceased mother. Recently, my brother called alerting me an organization " has filed '' a lawsuit against him, my mother and me. He described them to be Modern Adjustment Bureau, and the lawsuit was in regards to collecting an interest-free loan of {$1600.00} provided XXXX. The next morning, XXXX, I received a phone call XXXX regarding an undescribed collection. I asked her to call XXXX since I was rushing to leave for work. She did not call back. The day passed without her call. Having called on a " private number '' I could not reply. Later that evening, I called my brother to compare the caller 's name. Realizing they were the same person, he texted me XXXX phone number and the name of the collections company. The next day I called XXXX back XXXX. Very curtly, she told she was expecting my call. I reminded her she had initially contacted me with a hidden number. Having to return XXXX, I asked her to call back at a specific time later. With this, she threatened me with the statement - " I 'll see you in court! '' and hung up. I struggled through XXXX for the remainder of the day. After work, I contacted the office, asking to speak to someone other than XXXX The call was handled by " XXXX. '' " XXXX '' reminded me he had contacted me in past. Between XXXX us, our conversation was courteous and respectful. I reminded him my mother had since passed away, and in a polite way alighted to him that when he had contacted her in the past on her job, threatening to sue her, I wanted to let him know he might not have been at fault of- but was certainly influential XXXX that took her life last year. We agreed XXXX tow. end of XXXX 2015 ) on a schedule of $ XXXXmonth beginning XXXX 2015. In the next hour, my brother called to say " XXXX '' called and asked him to contribute an additional amount ( " XXXX '' never called me afterwards to inform me had this conversation with my brother. ). I grew suspicious, and told my brother not to send anything to the company. " XXXX '' then later called my brother, who asked her to stop calling him, but rather connect with me. " XXXX '' told him that I would curse her out and hang up on her. Remember - " XXXX '' called me, threatened me, and hung up. Any communication then on, made to my brother, by " XXXX '' or XXXX, '' they would tell him to make sure no one else was on the phone. Either tried to convince him to make payments or they would see him and me in court. I refrained sending money to the XXXX XXXX address " XXXX '' provided for payments. Instead, I contacted the FTC to ask about the company 's practices, and to find out if there were any violations, et al. As recommended, I contacted the XXXX, and sent a check for {$410.00}, with letter stating it is XXXX of XXXX installments to pay off the {$1600.00} owed. After 4 weeks, the collections company sent me the uncashed check stapled to a letter sans letterhead, and bogus " interest charge XXXX non-descriptive ). I have attached a copy file of document. Please find attached an uploaded file of my brother 's summary of communication tactics of this company, and the letter from MAB with my stapled check. I will be returning the check XXXX, and continue to pay the balance of this interest-free loan. The remaining balance of the loan is {$1600.00} The original loan amount was {$2300.00}. I did struggle with continued unemployment, or employment not enabling residual income for much outside of rent, utilities and gas. I did not have sufficient funds for groceries XXXX XXXX teen-aged daughters ) much of the time. I am now able to pay off loan in {$400.00} installments to a {$0.00} by early next year.
05/15/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90274	Web
Collection Company : Modern Adjustment Bureau, XXXX XXXX XXXX , Ca XXXX They are attempting to collect for FULL payment for dates of service : date sub. \| date of. \| Provider of Service Billed. Paid by to insur \| service. \| Amt Ins. ______________________________________________________________________ XX/XX/XXXX \| XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$2100.00} {$290.00} 03/07/2016 \| XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$2100.00} {$290.00} 01/08/2016 \| XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above. Yes I admit I cashed the checks from insurance company, and in the past when I had gone to XXXX for my lower XXXX XXXX procedures I had signed any insurance check ( s ) I received signed over directly to XXXX ... For this particular procedure I received payment in the XXXX calendar year for XXXX date of services. At the time of XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}. I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount. My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.
05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90034	Web
I am reporting a collection agency that appears to my credit report that has violated my rights and posted a debt that does not belong to me. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about this debt that appeared and is harming my report. A debt collector is not allowed to harass me. They are calling me 2 years now for a debt that I have absolutely no knowledge for. They misrepresent themselves and they never disclose their actual names. They are trying to collect sensitive info and basically and foremost they are calling me to my business line creating a hardship to my work. No data is validating the alleged debt. When this collection agency opened this account they had no license to conduct business in the state of XXXX. They are licensed since XX/XX/XXXX. They are harassing me 2 years now and the XXXX report that is attached it states that they have the account since XX/XX/XXXX. Additionally their reviews show exactly that they are causing extreme problems to other consumers not liable for the debts that Modern Adjustment Bureau claims. The problem is that this debt collector posted this frigolus and bogus debt to 2 reporting agencies. Using unfair, deceptive, and abusive acts or practices against me while at the same time when this harassment started were not even licensed to even be seeking to satisfy a debt that does not belong to me is against State and Federal laws protecting consumers, In XXXX and XXXX this agency is listed with different addresses. No data is available as far as this debt. They asked my personal info so many times. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in XXXX. Please kindly assist me to remove this fraudulent collection agency. Thank you in advance XXXX
04/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91367	Web
I have a dispute with Modern Adjustment Bureau who failed to verify the account in my name according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Modern Adjustment Bureau which did not properly respond, I sent out a Notice of Default which Modern Adjustment Bureau never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached the conditional acceptance contract, the Notice of Defaults and the postal proof of mailing receipts that I sent to XXXX XXXX that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. DEFENDANT INFORMATION Name : XXXX XXXX Title : Supervisor Company/Firm Name : Modern Adjustment Bureau XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX
02/27/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92345	Web
Modern Adjustment Bureau. The bill in question was inflated by the doctor before collection company got it. Original amount of medical debt was highly inflated and no backup of was provided from collections company. Original letter states my credit will be ruined because of this debt. I offered to pay what I thought was the correct amount in XXXX 2020, they refused. I made a second attempt in writing in XXXX 2020, and specifically asked for any backup where the interest rate they were charging, was ever agreed to by me. They have been charging me in excess of 100 % interest rate on this bill. My calls to the company were never answered and never returned, so I have not been able to have a conversation with anyone about the situation. Modern Adjustment Bureau originally billed {$300.00} plus {$33.00} interest. Then they inflated the bill to {$410.00} in XXXX of 2020, XXXX last statement I received XXXX, and said they would settle for {$400.00}. The amount on my credit report is well over that and it goes up every month. I should not have to pay a mark up of 100 % on a medical bill that was disputed. This is ridiculous. Im not denying I owe a debt. Just that the amount they want is not right. My credit HAS been affected. I am trying to get it clear and this is creating a negative impression for me. Please help me, I am at my wits end with this company.
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92508	Web
My name is XXXX XXXX XXXX and in XX/XX/XXXX, I had a judgement against me and went through a wage garnishment. After my wages were garnished, I thought I would receive a Satisfaction of Judgment Letter that the company was to file with the Courts, I called them and they indicated that I still owed XXXX in interest charges. I paid the interest charges in XX/XX/XXXX and wrote them a letter indicating that they submit with the court A Satisfaction of Judgment Letter and mail me my copy. It has been three months and they have not responded to my letter nor sent me my copy of the Satisfaction of Judgement Letter. The company is Modern Adjustment Bureau. I am trying to purchase a house and would like any and all references of Modern Adjustment Bureau deleted from all 3 bureau reports since my debt is paid in full. I wrote them a letter on XX/XX/XXXX, and still have not received a response from them. This is effecting my life as this is still on my credit and I can not qualify for a house since this is still on my credit and I have no proof that it is paid since I do not have my Satisfaction of Judgment letter from the Courts. As I understand it, I could take Modern Adjustment Bureau to court and get damages, but I would rather try to fix this another way. Please help me if possible, I've been going through this for some time now. Thank you
07/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	CA 91744	Web
HAD A ITEM ON MY CREDIT REPORT SO I CALLED THE COLLECTION AGENCY THAT REPORTED IT. IT WAS MODERN ADJUSTMENT BUREAU LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. I CALLED THEM SEVERAL WEEKS AGO AT XXXX AS I WANTED TO KNOW WHAT THIS WAS ALL ABOUT. I HAD THE DISPLEASURE TO TALK TO A RUDE AND ARROGANT WOMAN SAID HER NAME WAS XXXX, WOULD NOT GIVE HER LAST NAME. I WAS DISPUTING THIS BILL AS MY COMPANY OPENED UP THE CHECKING ACCOUNT AND MY NAME WAS ON IT, BUT APPARENTLY THE ACCOUNT BECAME OVER DRAWN, WHEN I ASKED FOR DOCUMENTATION ON THIS BANK ACCOUNT SHE WENT INTO A PUSHY AND THREATENING DEMEANOR, SHE WENT ON TO SAY " WHEN THIS GOES TO COURT THIS WILL COST THOUSANDS OF DOLLARS FOR YOU LATER ON '' " YOU SHOULD TAKE CARE OF IT NOW AND DISPUTE IT LATER '' SHE MADE IT SOUND LIKE A {$1300.00} BILL WOULD BE RAISED TO {$5000.00} WHICH IS DECEPTIVE COLLECTION TACTICS. I NEVER RECEIVED THE DOCUMENTS, BIG SUPRISE. ARE THEY NOT SUPPOSED TO GIVE ME A HEADS UP ON WHO I AM CALLING AND THAT THEY ARE TRYING TO COLLECT A DEBT ETC, SHE JUST WENT INTO HER GANGSTER ROUTINE TRYING TO SCARE ME INTO PAYING THE BILL DISMISSING ANYTHING I HAD TO SAY. I HANG UP ON HER CAUSE IT WAS LIKE TALKING TO A BRICK WALL.
08/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90201	Web
Why is XXXX XXXX a debt collector employed by Modern Adjustment Bureau , INC, a California Corporation # XXXX, trying to collect 1 ) a debt paid to Dr. XXXX , the owner of the debt, in full about 5 years ago and 2 ) why is XXXX XXXX maliciously and illegally attempting to collect a debt in violation of California Civil Code of Civil Procedure, Section 337. California has a 4 year statute of limitation and the debt was incurred on XX/XX/XXXX and paid in XX/XX/XXXX. Also, in violation of FDCPA, violating sections 105, refusal to cease contact with me after I asked Ms. XXXX that for as long as she lives on this planet, I DO NOT want to contact with her via mail, fax, telephone, calls at work, on my cell numbers? Ms. XXXX, identified to me as an employee of Dr. XXXX, to whom the debt was owned and paid in full. She mislead me and falsified the fact.
09/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affilates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the attorney, CFPB, FTC and the Police deaprmtent to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
09/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90035	Web
I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly.
08/16/2016	No	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 91789	Web
By now Modern Adjustmen Bureau has been served with a small claims case XXXX. All records will be produced on court date. I have attached for the CFPB to review the documents that were served. If you wish to discuss settlement, please consider this an open invitation. There is also a pending civil case for vioaltions under FCRA with cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I wish to settle both right now for {$1000.00} plus trade line deletion.
07/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92688	Web
Case opened XX/XX/2015. Modern adjustment bereu. They are collecting for XXXX XXXX. For {$2200.00}. I have called XXXX and asked about this collection. They told me that i have lived at their apartment as a sub leaser. XXXX girl was the leaser and i sub leased from her. First of all i never lived there and why am i getting charged if im not the leaser. I really dont get it. This is not me and they should put that XXXX girl on collection. Please dispute this case asap. Thanks
07/12/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	CA 91789	Web
No mail has been received, however multiple phone calls have been received by modern adjustment Bureau after I revoked my consent to be contacted, which under the fair debt collection practices act is a violation and can come with up to a {$1000.00} statutory damages award. If need be I will provide call recordings and transcripts. cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48601	Web
I want to make a dispute on my XXXX profile. A collection for Modern Adjustment Bureau was settle in court with a dismissal and judgment set aside with no moneys owed. Please see attached court document. they fraudulently refiled with the court with no Judge opening back up the case. You can check with XXXX Court of Records to verify.
06/08/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 73127	Web
Both accounts were closed and charged off in 2015. Amount owed for both accounts has increased multiple times, and accounts have been reported as new delinquency on an annual basis, resetting the clock. The original creditor can not validate the amount owed/charged off. The collection agency is unreachable by phone.
11/26/2019	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 Their investigation did not fix an error on your report	CA 91501	Web
the credit report agency did not help at all, infact made it worst. they are believing the collection agency. even with my proof. the collection agency said we waited so your 5 years mal practice rights are done. Very bad man. Don't owe a penny.
02/06/2020	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 Their investigation did not fix an error on your report	CA XXXXX	Web
DR XXXX XXXX sold my medical information and violated my HIPPA rights to the company MODERN ADJUSTMENT BUREA. Also XXXX is still reporting this information despite a violation of my HIPPA rights. None of this debt has been validated.
07/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	CA 90037	Web
Please see attached detailed letter outlining all issues. Original creditor ignored my initial telephonic and written inquiries regarding the debt.The statute of limitations has since run. It's fine to publish my letter. Thank you.
12/20/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 95834	Web
XXXX XXXX XXXX XXXX shared my personal information with a third party without my written or verbal consent. They are in violation of HIPPA law. The debt collector is disclosing incorrect information.
10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91748	Web
XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
07/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89148	Web
Collection to Modern Adjustment bureau ( XXXX XXXX XXXX ) was settled in court with no monetary damages owed by XXXX Superior Court. I have document to show and prove.
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web

06/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90211	Web

02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48601	Phone

12/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90278	Web

12/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90278	Web

09/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web

09/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90402	Web

04/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91701	Phone

04/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91362	Web	Older American

04/11/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 90209	Fax

04/11/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CA 90209	Fax

04/03/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91362	Web

06/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90035	Web

06/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91789	Fax

09/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91335	Web

02/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92703	Postal mail

02/10/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92606	Web

06/30/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 93389	Web

04/23/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 90210	Web

04/17/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 91304	Web

02/24/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	CA 90210	Web

02/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 93241	Web