The Regional Adjustment Bureau, Incorporated CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/09/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	NY 11210	Web
I graduated in XX/XX/XXXX, In XX/XX/XXXX I requested to have payments decrease due to economic hardship from the original holder of my student loan XXXX XXXX. In XX/XX/XXXX I was planning on continuing studies and requested a deferment. I was informed that private loans do not qualify for deferment. At that time I went from XXXX XXXX to XXXX XXXX XXXX. My original amount was {$21000.00}. I then requested a forbearance due to the amount they wanted {$810.00}. Although I had requested a forbearance I was sent invoices to pay amount due, continuously. I requested another forbearance, however, I never received notification that my loan went from XXXX XXXX XXXX to XXXX XXXX. At this time I was in my studies and found out that I was sent to collections in fall of XX/XX/XXXX. At this time I had never received written correspondence from XXXX and before long I was put into collections, spring of XX/XX/XXXX, XXXX XXXX XXXX , XXXX ( XXXX ). At this time the loan was {$24000.00}. I was in school at that time spoke to someone XXXX XXXX and made arrangements to send {$200.00}, {$200.00} and {$1000.00}. Then, over the years speaking to different customer representatives I was paying {$200.00} per month from XX/XX/XXXX until XX/XX/XXXX then I paid {$100.00} per month until XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I had been {$150.00} per month except XX/XX/XXXX when I paid {$200.00}, XX/XX/XXXX {$160.00}, and from XX/XX/XXXX to XX/XX/XXXX {$170.00}. XXXX XXXX XXXX, XXXX, changed there name to XXXX XXXX, XXXX XX/XX/XXXX. At one time I took them to the Better Business Bureau due to their threatening tactics. Now, in XX/XX/XXXX, they sold my account to Regional Adjustment Bureau , Inc. who contacted me telling me I owe money and they were attempting to collect this debt. I tried asking the lady information and she refused to give me any particulars, telling me I will receive notice in the mail, but this was in XX/XX/XXXX. I was not home due to a family emergency and I received a call again stating they were Regional Adjustment Bureau attempting to collect a debt for money owed to this XXXX XXXX XXXX. I informed the gentleman I had never went to that school and I had no idea about that school or the loan. All the while I was paying XXXX XXXX for both XX/XX/XXXX and XX/XX/XXXX. All of my correspondence with first XXXX XXXX XXXX and then XXXX XXXX, they have always told me they could n't do any thing for me regarding my loan that it was up to the holder of the loan XXXX. In XX/XX/XXXX I reached out to XXXX only to find out they knew nothing about this loan or had any information about me. I do n't understand if I paid close to {$40000.00}, why was my account now sold to someone else and put through collections when the holder XXXX had no idea about me. I received a letter from the XXXX XXXX XXXX dated XX/XX/XXXX stating my loan was transferred by XXXX XXXX ( who I do not know ) to them with the same terms and conditions, but this transfer is not publicly recorded, however, they have sent me to collections Regional Adjustment Bureau for {$13000.00}. This feels like a fancy scam to get another {$40000.00} out of me which I do not have. I never new this site existed or I would of request help, assistance or direction in the past to deal with this matter. Please help me I think it is unfair that I have to go through this all over again. There must be something that can be done to these unfair practices of getting money out of hard working citizens.
01/28/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	GA 30058	Web
I attended Georgia XXXX XXXX XXXX ( GA XXXX ) in XXXX, GA from XX/XX/XXXX-XX/XX/XXXX. I have several private student loans and have recently been trying to get my accounts in good standing as I am finally in the position to pay down some of my debts. XX/XX/XXXX I was contacted by a debt collection company, Regional Adjustment Bureau, about a defaulted student loan now owned by XXXX XXXX XXXX. They told me that the loan was a GTAM-MRU loan with an origination date of XXXX XXXX, XXXX. They told me that the balance with all the fees and penalties was {$45000.00}. After months of back and forth, On XXXX XXXX, XXXX, I agreed to settle the debt for {$31000.00}. On XXXX XXXX, XXXX I wired the money to the instructed account. I received a paid letter that the debt had been satisfied. Over the next few month I noticed that none of my MRU loans had been changed on my credit report as " closed '' or " settled for less than owed ''. I began to worry and called the collection agency. I was informed that it could take 90 days for this information to change on my credit report. On XXXX XXXX, XXXX I was contact by a different debt collector, XXXX XXXX XXXX XXXX, representing Turnstile Capital Management. They said they were calling to collect on the MRU loan opened at GA XXXX XXXX XXXX, XXXX. They said they would settle the {$26000.00} debt for {$13000.00}. I informed XXXX XXXX that this debt had been paid to a different collection agency on XXXX XXXX, XXXX for much more money than that. I asked them for the loan origination documents. They mailed me the loan origination documents. I also contacted Regional Adjustment and they assured me that the debt had been settled. When I asked for the extreme differences in the amount owned and I was informed that my {$31000.00} payment was for several loans that they had from me. I asked them to specifically indicate which loans they had of mine and where this money had been applied. I have never received those documents. XX/XX/XXXX I was again contacted by XXXX XXXX about this debt. I asked them for a contact number to XXXX XXXX XXXX and they could n't provide XXXX, so I googled them. After calling several numbers I reached a voicemail and was later called by a representative. This representative stated that NO payment had been received from XXXX XXXX and that the account had left their office on XXXX XXXX, XXXX because they had not been able to collect on the payment ; XXXX XXXX was now handling the collection of this debt. After many phones and extreme anger Regional Adjustment Bureau or XXXX XXXX XXXX has not returned my money or called me to discuss this issue. Regional Adjustment was not under contract with XXXX XXXX XXXX to collect this debt on XXXX XXXX, XXXX and therefore the payment MUST be returned. In addition, Regional Adjustment did not accurately report the amount of money I owed and falsely negotiated a settlement that surpassed the debt owed. I am demanding my entire {$3700.00} be returned so I can pay the correct debt collector {$13000.00} and have this mattered settled.
11/05/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Director - Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX. Washington, XXXX XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & CEO XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX Re : CFPB XXXX XXXX, XXXX ac XXXX Dear Sirs : This is in reply to the XXXX XXXX, XXXX entirely disingenuous XXXX CFPB response. On account of XXXX persistent and pervasive fraud and resulting measurable harm XXXX XXXX is requested to immediately email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd that any credit report negative comment has been removed for the below reasons. The XXXX XXXX, XXXX XXXX response by deliberate implication denies the recorded XXXX XXXX, XXXX XXXX 6.59 minute phone call. Thus, this denied call was apparently fraudulent, initiated by an individual other than XXXX customer account supervisor XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT required 60 payments of {$460.00}. XXXX email ratified with confirmation # the 60th, last and final payment received XXXX XXXX, XXXX. The XXXX XXXX, XXXX XXXX response On XXXX/XXXX/XXXX you called to acknowledge receipt of payment history via email deceptively implied this 37th time ( Principal * Rate * Time ) email payment history request calculated and totaled in a business-like manner its alleged due {$740.00}. XXXX perseveres in refusing calculated and totaled Principal * Rate * Time. A matter of record prior to its XXXX XXXX, XXXX letter XXXX, allegedly another XXXX employee ( prior calls it was XXXX ) supposedly, again maybe factiously called using phone # XXXX on XXXX XXXX, XXXX @ XXXX and XXXX XXXX, XXXX @ XXXX. In fear of my recording of all phone calls XXXX left no message. Part of one of my many recorded phone calls is repeatedly transcribed as of recording phone conversations XXXX cant permit thatare you recording the phone call nowno no are you recording this phone call XXXX agents prejudicially insist in recording phone calls for training and now proven other purposes. XXXX refusal to permit the borrower recording calls cunningly gives camouflage for its total deception and self-aggrandizement as communicated in its XXXX XXXX, XXXX response XXXX prides itself on providing the best possible customer service experience. Since XXXX XXXX, XXXX there have been 37 email requests to XXXX, many to you XXXX XXXX, for XXXX to substantiate its {$740.00} calculation. The XXXX XXXX, XXXX letter does not calculate {$740.00} using the universally accepted formula Principal * Rate * Time. {$740.00} presents as vindictive imagination intended to harm. XXXX XXXX please respectfully email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd, that you have removed any negative credit report status/comment. Thank you. Yours truly, XXXX XXXX
02/09/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CA 91505	Web
This is a continuation of complaints filed regarding the collection of my alleged student loan from multiple debt collection agencies. It appears that, once a CFPB complaint is filed against XXXX collection agency, XXXX XXXX simply assigns the debt to another collection agency. Prior case nos. include XXXX ; XXXX ; and XXXX. I have determined that, in the newest set of phone calls, I am being contacted by Regional Adjustment Bureau ( RAB ) who has made call to various third parties asking for my personal information including my maiden names, marital status, work address, personal address, and have revealed that they are attempting to collect a debt and are trying to communicate " an offer '' to me. Interestingly, they have MY phone number and email address where I have requested that all communication be in writing. Specifically, they have called and requested information from the RECEPTIONIST at my office and have not called ME and left a message at all. The attempt to speak to co-workers and reach me at work is an attempt to embarrass and harass me as they have no actual intent of extending any " offer '' to settle our dispute given my prior demands. Recently, through 3rd parties, I had been given a name and number ( XXXX XXXX - XXXX ) who was attempting to communicate " an offer '' to me. When I called this generic number, " XXXX XXXX '' was conveniently on vacation but another fast-speaking debt collector demanded identification information. Since random collectors have no historic information about my challenges to the amounts owed, I told them that I would call XXXX XXXX back. Having done so on multiple occasions, I doubt that XXXX XXXX exists. I would reference and incorporate the prior complaints made to establish the long standing dilatory tactics used to collect this debt rather than providing me with the documentation I had previously requested, including ( but not limited to ) the details of an {$11000.00} payment received on the debt that was not credited to my account, and the explanation of late charges on my account AFTER payments were received which continued to accrue interest, etc etc. I have communicated my own offer to compromise with XXXX XXXX and its debt collection agency XXXX, without any communications in response. The contact with 3rd parties who are requesting my personal information must stop. The contact disclosing their attempt to " make me an offer to resolve a debt '' must stop and is in violation of the FDCPA and TCPA
02/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	IL 60660	Web
I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.
04/30/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 349XX	Web
Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.
02/03/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	WI 53045	Web	Servicemember
On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
08/04/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NJ 08611	Web
Since XX/XX/XXXX I have contacted XXXX lender and the collection agency Regional Adjustment Bureau ( " RAB INC '' ), several times to get clarification about the loan balance details because they doubled the balance of the student loan from $ XXXX to $ XXXX. When I requested the detail information I found that the original lender may have changed and at the moment I do n't know who is the lender. Currently I am in collections and they have told me I have different balances : first $ XXXX, then $ XXXX and now $ XXXX. When I recently called them XX/XX/XXXX they informed that my balance was {$65000.00} but denied to give me any details ; at the same time I was asking them about affordable options to repay the debt, including a rehabilitation program that they have information about posted on on their website " Regional Adjustment Bureau, Inc '' ; they indicated that I do not qualify for that, but at this point I do n't trust them with the information. I need clarity about the balances and details about interest and fees as well as options to rehabilitate the loan. My impression is that excessive fees and interest are being added to the loan. I need obtain accurate information. Also, I need to know who is the Lender and how to get in contact with them.
08/04/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NE 68005	Web
On XX/XX/XXXX, I was informed I had an account in collections with Regional Adjustment Bureau since XX/XX/XXXX. I was never made aware of this loan or this debt upon leaving the school.This debt was sold to RAB from XXXX XXXX XXXX. I attended this school in XX/XX/XXXX and was unaware of this loan. I was aware of the XXXX XXXX, but no additional loans. This debt has not appeared on my credit file and when I spoke with XXXX from RAB on XX/XX/XXXXand asked him to verify the address and the phone number they had on file for me, he gave a relatives address in which I have never shared and a phone number which belongs to an old friend, that has never belonged to me. I then requested verification of this debt so I could rectify it and restart with the school, I received something other thanverification and have been receiving 5 or more phone calls a day and voicemails that are 3 minutes long where the representative is not talking but I am able to hear the other agents in the background talkin to other customers, I am able to hear the a rep in the background verifying another customers information, and further requests for verification of this debt have been ignored.
09/08/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CT 063XX	Web	Servicemember
I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!
12/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 328XX	Web
A debt collection company that bought my student loan has been harassing me and my family members. The company is RAB Inc./Regional Adjustment Bureau Inc. , XXXX. XXXX XXXX, XXXX, XXXX XXXX. I called to discuss with them that right now, I am unemployed and I can not pay the amount they were asking for in full. I told them when I get on my feet, I would call them to set something up. I told them to stop calling my family members in and out-of-state looking for me and asking them where I work when they have my direct contact information. They had called my wife, my wife 's office, my mother-in-law and my sister-in-law after I told them to only contact me. I also asked them to erase the other numbers, which the agent claimed to do, but a week later, they were calling the others again. They also call from different numbers to try to get us to answer the phone. This has been going on for months and my wife even filed a complaint on the National Do Not Call Registry but it has n't stopped the calls.
09/30/2015	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	CA 954XX	Web
I had a private student loan that went into collections in XXXX. In XXXX I began paying the loan back. The loan was apparently bought out by Regional Adjustment Bureau, they called me in XXXX of XXXX at my work and harassed me. I paid them a large chunk of the loan to start a payment process and for about a year they were taking monthly payments via auto deduct. In XXXX they stopped taking the payments and began to call my cell phone, my parents home number and previous employers. They call multiple times a day and when I do talk to someone they are rude and refuse to send me any written documentation, claiming they already have, although I never received any. They have also left messages that someone will show up to my home or office to arrest me. They have given out personal loan information to my parents, even though I am over XXXX years old. They have now begun to call my current work place, even though I have asked them to stop calling me all together.
05/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 481XX	Web
I received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	NY 122XX	Web
The Regional Adjustment Bureau, out of XXXX, TN has apparently taken over a debt that is in dispute. In an attempt to collect on this bill, they have called me, my employer, my adult son, and who knows who else. I have asked them to stop. I told the collections agent that I am disputing the debt. He continues to harass and try various methods to collect. He told me that I HAD to talk to him, that I had to DEAL with it. I do n't even know what the charges are supposed to be for. I believe that it is from a XXXX account that I cancelled and XXXX continued to bill. I requested multiple times to have them send an explanation for the debt, so I could verify and document what it was for, but I have yet to receive it. I have disputed it on my credit report. I have 100 % on time payment record. There is no call for this kind of action. I would like it to stop.
03/24/2015	Yes	Payday loan	Payment to acct not credited	NC 27410	Web
I have received multiple messages from " XXXX XXXX '', Process Server, stating that they have a certified notice of intent to serve papers on an outstanding debit. I know this is bogus because I do n't have any of these. He stated he will be at my home between XXXX-XXXX tomorrow so have ID on hand, put up dogs and remove guns from premises. I spoke with the police department on this.. they confirmed it was a money scam on a former pay day loan, and the phone numbers were from burner cells. Same person has called back using name " XXXX XXXX '' XXXX Now we have a XXXX XXXX who is also XXXX XXXX and XXXX XXXX XXXX Calls are coming from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have written transcripts and phone calls if desired.
01/06/2017	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	VA 229XX	Web	Servicemember
I have student loans with XXXX and XXXX, I 've spoken with both of them and they both still have all of my loans. They 're in repayment. However, the Regional Adjustment Bureau has been harassing me and other people about my loans. They call my cell phone multiple times a day. They 've called my ex-husband, they 've called and mailed my dead grandmother. It 's straight up harassment. I do n't know how they even got all of this information. My grandmother died last year and they 're sending debt letters to her house with crazy amounts on them. How they got the new cell phone number of my ex-husband, who I was n't even married to until years after I had graduated from the college for the loans is insane. They 're ridiculous.
08/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48103	Web
I get multiple daily phone calls from the number XXXX that are hang ups or messages left to call. After researching the number I found a website where many other people experienced the same treatment or worse from the company who makes these calls. It is a debt collection company whose name I have listed below. Regional Adjustment Bureau , Inc. Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXXXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXXI received my credit report only weeks ago and have no outstanding debt so I do n't know why I am being continually harassed daily by this company and how they are allowed to continue.
06/06/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	TX 770XX	Web
I submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.
09/28/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	NE 68137	Web
Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is Regional Adjustment Bureau, INC of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
06/12/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	PA 183XX	Web
I requested verification of a debt owed to XXXX XXXX XXXX via the Regional Adjustment Bureau and received papers that have been fraudulently signed by someone other than myself and one of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of XXXX shows a total due of {$0.00}
04/07/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CA 943XX	Web
The debt collection agency Regional Adjustment Bureau is trying to collect {$18000.00} for an old private student loan, even though the 4-year California Statute of Limitations on the original loan has expired. They call my cell phone, and the phones of my family members, constantly. Sometimes, they do n't even say anything when I pick up. When I do speak to any of their representatives, they are always rude and threaten to sue me or take me to court over the debt. They have also put my debt in collections, which affects my credit report.
02/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32935	Web	Older American
I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
10/16/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 76706	Web
I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.
01/19/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85743	Web
XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.
12/08/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 336XX	Web
Regional Adjuatment, phone number XXXX out of XXXX Tennessee. This company called my brother in law asking for my sister to talk about a debt I owe. I have never provided any information other than my own on applications for credit or medical billing. I contacted the company to get their information, but they would not give me any information regarding what kind of debt this is because I do not agree to be on a recorded line.
07/25/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 38109	Web
These people call several times a day to my home, my cell and my job. They have been asked to stop calling but keep call despite. They have to left any messages but will tell co-workers that they are a debt collection agency and they too, are being recorded. This has been going on for three weeks. The company name is RAB. They truly harass and will go as far as to speak to others about you in an unpleasant tone.
05/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30248	Web	Servicemember
XXXX XXXX has responded check XXXX for {$89.00} caused my account to overdraft. This was not a check but a debit card debit. XXXX allowed this debit on what was a closed account. I personally went to the bank and closed this account. I have tried in vain to resolve this but XXXX is unrelenting. Their employee failed to close my account appropriately and I as the customer is being forced to suffer.
03/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	VA 22315	Web
I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.
10/30/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 328XX	Web	Servicemember
The number has repeatedly called asking for information about a family member. The person would not identify themselves or who they worked for when asked. The calls are not regarding any business of my own, but continue. I had to google the phone number just to find the name Regional Adjustment Bureau , Inc. The most recent call was today, XXXX, at XXXX.
03/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 303XX	Web
Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.
10/02/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	VT 054XX	Web
I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.
04/16/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32177	Web
They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them!
03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30281	Web
I previously had a dispute with XXXX Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.
06/18/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18940	Web
This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily.
03/28/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	PA 18411	Web
Keep lying about how much I owe and payments made and how many loans were takin out.
08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 372XX	Web
Debt was the result of an identity fraud from a bank
08/10/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55426	Web

04/02/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	VT 05468	Phone

03/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75249	Postal mail

03/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 49284	Referral

03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11210	Postal mail

01/18/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TN 37743	Postal mail

11/06/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 90029	Web

10/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11215	Referral

10/11/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	IL 60046	Web

09/08/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89130	Web

08/18/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	NY 12401	Phone

06/08/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NC 28031	Web	Servicemember

03/14/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 47702	Web

02/28/2017	Yes	Student loan Non-federal student loan	Getting a loan Qualify for a better loan than offered	MD 20607	Web

02/28/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	ME 04093	Web

02/10/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	MO 63104	Web

02/05/2017	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	FL 33478	Web

01/31/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	WI 53045	Web	Servicemember

01/13/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MD 20762	Web	Servicemember

11/30/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	FL 34639	Web

11/02/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CO 81301	Web

10/01/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	CA 91510	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NJ 08030	Postal mail

08/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48134	Web

07/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30504	Web

06/09/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	OH 44514	Web

05/31/2016	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	NY 11355	Postal mail

04/26/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NJ 07644	Phone

04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MN 55408	Referral

02/25/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34204	Web

11/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10003	Web

10/28/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	TX 77098	Web

10/16/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	MD 21157	Web

08/19/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30028	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33884	Web

07/10/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11221	Phone

07/08/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MO 63136	Referral

06/26/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NH 03087	Fax

06/08/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CA 93436	Web

05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NH 03087	Referral

04/23/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	WA 98122	Phone	Older American

03/31/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	PA 19335	Web

03/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19015	Phone

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18411	Web

03/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98685	Web

02/12/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 10003	Web

02/06/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34997	Web

01/29/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MS 39355	Web

01/27/2015	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	HI 96818	Web	Servicemember

01/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28360	Web

01/08/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 90247	Web

01/05/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	GA 30028	Web

12/29/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	MI 48059	Web

12/14/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	HI 96706	Web	Servicemember

12/12/2014	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	NY 10034	Referral

12/09/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	RI 02871	Web

12/06/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CA 91504	Web

11/20/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MO 63129	Web

11/07/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	VT 05401	Web

10/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	VT 05667	Web

10/17/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	FL 32034	Postal mail

10/15/2014	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	FL 33028	Web

10/01/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	LA 70583	Web

09/23/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	OR 97478	Postal mail

09/14/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	IL 60615	Web

08/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 94606	Web

08/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06479	Web

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MN 55106	Web

07/08/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IL 60640	Web

07/07/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	NC 27529	Web

06/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 99026	Web

06/16/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77477	Web

06/09/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NC 27707	Web

05/08/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33030	Web	Servicemember

04/09/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	IN 46235	Web

03/27/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NY 10010	Web

03/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27214	Web

03/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48843	Web

03/06/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	MD 21207	Referral

02/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14830	Web	Older American

02/08/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	NY 14216	Web

02/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22201	Web

01/25/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MD 21221	Web

01/14/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	FL 33542	Web	Older American

01/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06820	Phone

12/31/2013	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	CO 80212	Web

12/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10461	Web

12/13/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	CA 90045	Web

11/19/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 24151	Web

11/13/2013	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	MA 02149	Web

11/08/2013	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	TX 78745	Web

11/07/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	MD 21207	Web

11/01/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	WA 98433	Web	Servicemember

10/30/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	GA 30525	Web

10/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93401	Referral

10/28/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 08724	Web	Servicemember

10/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01864	Web	Older American

10/14/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91764	Web

10/07/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07631	Referral	Older American

09/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 38173	Postal mail

09/25/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	CA 92117	Web

09/23/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL 36608	Web

09/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 20910	Web	Older American

09/13/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	CA 92203	Web

09/04/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80013	Fax

08/15/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NY 11215	Web

08/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WI 20171	Web

08/06/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	VA 23322	Phone

07/17/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NY 10029	Web