Tri-State Adjustments, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 54701	Web
This is the complaint I filed with the XXXX. Tri State is refusing to respond to them. I have had a medical line of credit with Tri-State for several years. I had a dispute with them several months ago over a question regarding how they calculate interest. I went as far as filing a complaint with the CFPB. I never have gotten resolution of that issue. I have spoken to their attorney/compliance officer on several occasions. Last month I went online to make my monthly payment as I have done for quite some time. It would n't let me log in. When I filed my complaint about how interest was calculated I had been locked out of the account. I had to call in and was told that my account was frozen due to that complaint and they had to allow me access back into the account which they did. I assumed this was the same type of issue. I called in and was given the run around. I was basically told it was my issue they could see nothing wrong on their end. While I was on the phone with them, I had their compliance officer/attorney on my cell phone so she could hear what I was dealing with. She assured me this matter would be resolved. I made my payment over the phone. Fast forward to this month. I again went online to make the payment. I again was frozen out. I called and left a message with the compliance officer letting her know this was again happening. I then called into Tri-State. I spoke to XXXX. She informed me my password was wrong. Keep in mind this is the password ON THEIR STATEMENT. So she gave me the new password. I asked if she was going to make sure it was changed on my statement. She said she would have to talk to her supervisor. I asked to speak to the supervisor. While on hold I tried the new password. It did not work! So the supervisor XXXX got on the phone. She was VERY rude to me. I am not sure why. I am not in the wrong here. Anyway she basically said this is my problem. She said on their end it shows they can get in to my account and she has no idea why I ca n't get into the account. She thought it must be my computer. I made the payment over the phone for the second month in a row. She said she would talk to their IT people. I should not have to go through this kind of trouble to make a payment. I am a good customer. This is a medical line of credit, NOT a collection. I make payments ahead of schedule. I should not be treated poorly. I should n't have to take this much time to make a payment. I did ask XXXX if there was a way to file a complaint with Tri-State. She was rude and claimed there was a way to do so on the website. After I got off the phone with her I looked on their website and I see no place to file a complaint. First off, I have contacted XXXX to see if another company can handle this medical line of credit since it seems Tri State ca n't manage this account. If that is not an option at the very least I want to be able to log in online ( following the info THEY provide ) and be able to make a payment. My statements should contain accurate log in info I should not be told it is somehow my fault. I would like a written apology from XXXX the supervisor who was very rude to me. I did get a call the day of this complaint and XXXX from Tri State who is their attorney and compliance officer claimed I was n't able to access my account because the " vendor '' forgot to authorize my access. She claimed it was resolved. Today ( XX/XX/XXXX ) I get a call saying that they are still having issues. She wanted to know what type of software my company uses ( where I have tried to login to pay the bill ). I was unable to talk at work. I did notice my most recent statement had the " incorrect '' password. I told XXXX this and she said I have XXXX password and any will work. I logged in with the old password it did n't work. The new one did. This company ca n't seem to manage the account.
04/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85750	Web
In XX/XX/XXXX, I picked up a XXXX XXXX from XXXX XXXX in XXXX, Arizona. Before doing so, I called the company to find out how much it would cost. I was told of an upfront charge of {$90.00}, plus an estimated monthly rental of {$34.00} for 13 months. When the 13 months were up I would own the machine. A month later I received two EOBs from XXXX/XXXX for the machine. There was a surprise charge of {$330.00} that I was not told about. I called XXXX to find out why. They said they didn't know and to call XXXX XXXX. I called XXXX XXXX XXXX and was told they didn't understand the charge either. However, they assured me that since I was renting the machine, the charges would be spread out over 13 months. It was in XX/XX/XXXX that I learned the actual monthly charge was going to be $ XXXX/month, no where near the original {$34.00} estimate. Plus I still didn't know why I was being charged an additional {$330.00} upfront. I returned the machine in XX/XX/XXXX after renting it for about two months. Believing I was being overcharged, I called XXXX in XX/XX/XXXX for a review. I made follow up calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It wasn't until the phone call in XX/XX/XXXX that I learned XXXX had taken no action to review the charges. Meanwhile, I had called XXXX XXXX twice that I was not paying the {$330.00} bill, plus two new bills of {$170.00} until the review was completed. They indicated there was no problem with that. Finally, in early XX/XX/XXXX, I received a letter from XXXX that the review was underway and it would take up to 60 days to complete. I believe a copy of that letter was sent to XXXX XXXX XXXX. This week I found that instead of waiting for the review to be completed, XXXX XXXX XXXX sent the bill to a collection agency. I received no warning about this and at no time did XXXX XXXX inform me there was a problem letting the review process run its course. Instead of paying the collection agency, I paid the bills using the XXXX XXXX XXXX online billing system. I'm angry that XXXX XXXX never told me it was going to sent the bill to a collection agency and that they did it to bypass the review process and force to me pay the full bill even though I may not owe all of it. I have since learned that using this tactic to collect on a disputed bill may be a violation of federal law. I'm asking the Bureau to fully investigate whether any laws or regulations were violated in this matter. Finally, I am not complaining about Tri-State Adjustments, the collection agency. I had one phone call with them so far and the representative was polite and respectful. Hopefully, I will have no reason to file a complaint about them.
09/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92392	Web
Re : XXXX XXXX XXXX - Tri-State CollectionsXXXX.XXXX.XXXXRegarding : XXXX XXXX / XXXX XXXX XXXX ID XXXX XXXXXXXX XXXX collection claim is for a battery for a portable XXXX. Invoice Number : XXXXDate of service : XXXX.XXXX.XXXXBalance : $ XXXXXXXXLate fee : $ XXXXXXXXCollection bill total : $ XXXXXXXXXXXX XXXXClaim InformationClaim ID : XXXXMember Services XXXXXXXXMolina verifies XXXX sent a duplicate claim XXXX, only XXXX claim for the battery was verified paid by XXXX. XXXX approval date : XXXX.XXXX.XXXXXXXX pay date : XXXX @ XXXX payment : $ XXXXXXXXActual billing for the battery by XXXX was : {$92.00} ( I have the original bill ). XXXX is being over charged by the amount of {$65.00}. I am being over charged {$65.00}, or they are trying to collect on a bill in full that was paid in full by XXXX XXXX. XXXX has previously sent collection notices and robo-dials for collection XX/XX/XXXX-XX/XX/XXXX. I called XXXX ( XXXX ) XXXX XXXX and followed up with XXXX XXXX XXXX, who verified payment was made to XXXX ( case # XXXX ), and who called XXXX to give them payment information. I called XXXX ( XXXX XXXX ) to inform them of the update and to expect a call from XXXX XXXX XXXX verifying account information and payment, I also informed XXXX at that time ( XXXX or XXXX ) to stop all robo-collection calls. I told the representative at XXXX that it was okay if she wanted to call me personally and discuss the account, but no more robo-calls. I had also had communications with XXXX about this issue. I believed this matter to be resolved XXXX XXXX. XXXX XXXX XXXX started collections again for the battery, and the collection notices and the numerous robo-calls for collection has started again. I did not call XXXX again because it is obvious they can not make corrections in their billing department, and because we have addressed this issue once before, although I did call XXXX once again ( now a third time ) to verify payment in full to XXXX. My concerns are now focused to a collection agency becoming involved on what I would consider fraudulent billing and collections. XX/XX/XXXX. I received a collection letter from Tri- State Adjustments of Wisconsin . Tri-State Adjustments XXXX XXXX, Wi XXXXXXXXDebra XXXXXXXXRe : XXXX # XXXXBalance due : $ XXXXXXXXThis account has been satisfied by XXXX, albeit being overcharged by the amount of {$65.00} or XXXX attempting to collect on a bill previously paid in full by XXXX. A copy of this complaint was sent to Tri-State collections XXXX.XXXX.XXXXSincerely, XXXX XXXX
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : XXXX Creditor : Tri-State Adjustments, INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Tri-State Adjustments After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail and via the Consumer Financial Protection Bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Best Regards, XXXX XXXX
03/26/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IA 528XX	Web	Older American
I received a bill for Oxygen which the hospital ordered from a company who does not accept XXXX. I called XXXX, did an Appeal. XXXX worked with the Company, XXXX XXXX XXXX XXXX, which refused the XXXX amount,. XXXX sent me the check, I endorsed the back and put Pay to the Order of XXXX XXXX XXXX XXXX, per XXXX, and they cashed it. That claim is dated XX/XX/XXXX. Then XXXX reevaluated the claim and sent me a Summary on XX/XX/XXXX stating they denied all claims, paid nothing and I can't be billed anything. I have all these documents. Then XXXX again reevaluated because they accepted the XXXX check and said they should now bill my XXXX. But they can not bill me because of my Insurance. I have XXXX XXXX & XXXX XXXX due to XXXX XXXX for XXXX XXXX. I have no deductibles, no out of pocket, co copays. Been that way since XXXX and the hospital knows that and I did not order the Oxygen or sign except for delivery. I have written to XXXX XXXX XXXX and to the Collection Agency who has threatened to put a Court Order on my Social Security which is my only income. I am XXXX XXXX XXXX. This I have done 3 times, this last time asking them to bill XXXX and sending the information to do that. I also asked for a Hardship Form which I was denied. XXXX gave me this site to report to you.. I am now getting phone calls from Tri State Adjustment , Inc. I got the first bill from the Equipment Company 2 days after I was released from the hospital and I had them come pick up the equipment the next day because I did not order it. I was told I could not go home without it, but the hospital should have ordered from a Company that takes XXXX XXXX XXXX. It took me longer to get over XXXX without the Oxygen, but I could not pay for it. Nor should I have to since XXXX and XXXX has always covered me. I have checked with my bank and they assure me that no creditor can attach my Social Security. I have no bills at all, I budget closely and I have no debt. Please help get them off my back. Stress with my health is not a good thing for me. And Thank You.
12/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23059	Web
On XXXX I ordered XXXX Supplies from XXXX XXXX for my mother and myself on XXXX separate orders ; with XXXX separate insurances. XXXX XXXX billed both orders under my account ; I called multiple times and gave them my mother 's Medicare and Tri-Care for Life Insurance information ; and each time they advised the account had been updated out of my name. Several months would follow and I would receive a bill indicating the {$370.00} was due ; I 'd call them up and go through the same process. Each time, they 'd assured me the billing issue was fixed. I believe I may have received a call back in XXXX in regards to the bill, which I thought was XXXX XXXX and explained again that they should have billed my mother 's insurances. Did n't hear anything from them since. I have not received anything from anyone either in regards to the debt still being taken out of my name. Last week XX/XX/XXXX, I applied for an unsecured loan and was told that I had an account in collections. After researching it on XXXX, I discovered XXXX XXXX had assigned it to a collection agency - Tri-State Adjustments , Inc . This was a surprise, I filed a dispute with XXXX in regards to the collection account. I have not received anything from Tri-State or XXXX XXXX on this issue. The medical supplies sent to me does not even fit ; my machine, the filters, prescribed mask, etc. fits my mother 's profile. Her name is XXXX XXXX. It has been three years and I 'm not sure they can bill Medicare now. XXXX XXXX call records will indicate my persistent attempt to get them to get this off my account and into my mother 's to bill her insurance. This has negatively affected my credit score and hardship.
12/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33434	Web	Older American
I have been hounded by XXXX of XXXX, XXXX whom I revoked permission to supply XXXX supplies in XXXX. I received a collection notice from XXXX XXXX in XXXX, XXXX for a XXXX XXXX, XXXX shipment of supplies I never received. The debt verification statement contained information violating my HIPAA rights. A follow up letter of XXXX XXXX, XXXX contained my demand for proper verification, which XXXX did not respond to since they were unable to verify my receipt of the items. I now received a collection notice from Tri-State Adjustments of XXXX, WI. for items supposedly sent on XXXX/XXXX/XXXX. I responded to Tri-State advising them of the XXXX attempted collection and included a copy of my letter to XXXX stating what proper verification would be. What I received back, was a bare statement from XXXX XXXX XXXX. No information of how the items were sent or proof of receipt of the items. What the statement from XXXX XXXX XXXX does show is a shipment on XXXX/XXXX/XXXX to an address that I moved from on XXXX/XXXX/XXXX. Not only is XXXX, XXXX and Tri-State harassing me for items not received, items XXXX was advised to no longer provide but items they sent to an incorrect address. These items were not received and XXXX XXXX XXXX will not even provide shipping details with receipt of delivery. If these items were sent via uninsured or via non trackable means, failure to deliver does not make me responsible for the cost of the items. Had they been properly sent, perhaps they would have been advised that I no longer lived at the address to where the items were sent. In addition, the debt was reported to the CRA 's prior to any notice being provided to me.
11/13/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 336XX	Web
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX and was told I owed {$180.00} for medical supplies they claimed they sent a year earlier ( XX/XX/XXXX ) I rsponded right away as I thought this was some sort of scam because a bill was sent a year later. The first call I made I was put on hold and then hung up on so I called back. I was then placed on hold for XXXX minutes ( I timed it ) and when the billing represenitive came back I asked where I am calling. I was told the XXXX. I was then told they would look into problem and would contact me if any issue were to arise.Never heard back from that person. I found a number to contact XXXX XXXX and spoke with a person named XXXX and then a female named XXXX who were in XXXX XXXX. After telling XXXX I never received anything from XXXX I was advised that supplies were sent and I again advised I never received. About a week later I got a call from someone in XXXX XXXX claiming I was responsible for payment and I said I will not pay for something I do not have. After trying numerous times trying to resolve this issue I gave up. I then was threatened with a letter saying to pay or they would either have me deal with a lawyer or collections agency, I decided to file a complaint with the XXXX. The XXXX forwarded my complaint to them and they never responded back. As of today XX/XX/XXXX I now have received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ( a collection agency stating I owe this money to XXXX XXXX and again I stress I have NOTHING from them and dont understand why a year later they are contacting me for this. Any help would be greatky appreciated and thank you in advance!
08/04/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO XXXXX	Web
This letter is being sent to you in response to the above reference account that TRI-STATE ADJUSTMENTS has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against TRI-STATE ADJUSTMENTS for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
09/26/2019	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WI 539XX	Web	Servicemember
I was an employee of this company and resigned on XX/XX/XXXX and was threatened with a law suit for outstanding medical bills all the way back to XXXX they put a {$2000.00} lawsuit on us because this was a day I had requested off the employer knew this I gave a proper 2 week notice before we were scheduled to be out of town XX/XX/XXXX through the XXXX of XXXX employer knew I wanted it off from a previous month working part time and refused to give me these days off. I found out that they had a lawsuit against me and my family from previous medical bills dating all the way back to XXXX scheduled for XX/XX/XXXX court appearance. I knew I would not win this case so we paid a total of XXXX XXXX dollars to bonded collections and we set up a payment plan for outstanding bills on the Clinic and Hospital side of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Same company ) of XXXX Wisconsin. We went to the clinic and asked did we need to pay anything else and we paid for the current bills we had. they told us we were free and clear and said we owed nothing else since everything else was put on a payment plan. needless to say I check my husbands credit report and they submitted a bill from XXXX and XXXX to XXXX XXXX XXXX XXXX. after telling us we did not owe anymore. then told me on the telephone that it was submitted in may yet the credit reporting agency said it was submitted XX/XX/XXXX by this clinic which is the same company as the hospital this is WRONG on every level!
02/18/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 497XX	Web
back in XXXX of XXXX, I was living in my friends garage in XXXX XXXX, they kicked me out, and made me homeless XX/XX/XXXX. Before that, I had XXXX XXXX, and was in XXXX XXXX XXXX in XXXX XXXX & they sent me home with the XXXX XXXX and carrier on wheels. Prior to being kicked out of the garage, I knew I had to return the equipment, and did try to return it, by phoning the delivery man, that dropped it off, he was supposed to pick it up, but never did, so the day I was kicked out & made homeless, I was forced to leave it at the address of XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX, USA. That very day I was kicked out of the garage, I suffered XXXX XXXX & was hospitalized, and then when released from the hospital, I had to live in a XXXX XXXX for 4 months, in XXXX, Michigan, called the ' XXXX XXXX " at XXXX XXXX XXXX., XXXX, Mi., Phone : ( XXXX ) XXXX I have explained all this, months ago, to a representative at XXXX XXXX , that I also am living on XXXX. and have suffered quite a hardship, they told me, they were going to write it off as lost, and as a loss, and that I would not be having any more collection agencies calling me, and that they would wipe this amount off of the bill. I explained this back last year in XXXX, XXXX., and again today XXXX XXXX XXXX XXXX XXXX.
06/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11209	Web
I paid a bill to the creditor, XXXX on XXXX XXXX 2015 for the full amount of XXXX. 2-3 weeks later tri state adjustments called my wife, not me, on her cell phone asking for payment of this same debt. I called tri state back to advise that payment was made but the representative said collection would continue because i could not give him the check number at that moment ... .while I was driving. A few days later I called to advise the agency that check XXXX was sent and cashed by the creditor. I also advised that I called the creditor to confirm that there was no money owed to XXXX at which time I was told that there was no open balance showing at that time. Now I find that tri state adjustments has put the collection action on my credit report despite the fact that payment was made in full before any collection action was started by them. I again called the creditor to verify that there was no balance owed, which they confirmed. They also stated that they would advise Tri state that payment was made in full but they continue to verify the amount as due and payable. They obviously made no effort to verify the correct information withe XXXX or simply are looking to have me pay them to remove this inaccurate information from my credit report aka extortion.
09/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27705	Web
I was sent a notice to pay a {$60.00} debt to XXXX after my insurance company paid the remainder for a XXXX that I received. I went to the company 's website and immediately paid the debt on XXXX XXXX, 2016. I then received XXXX notices from XXXX expecting me pay the debt that had already been paid. I called the XXXX and they stated to me that they had not inputted the payment correctly and that it was taken care of. I then received a notice from a collections company stating that I owed them {$60.00} plus various late fees. I then called the company, and they stated that I had no balance. On XXXX XXXX, 2016, I received a notice from Tri-state Adjustments that I now owe them XXXX for a debt that was paid in XXXX. I was told to email them the digital receipt that I received from XXXX. I have done so on 3 occasions, but they have claimed each time that either they did not receive the email, or it was blank. I called XXXX to see if they would be able to resolve the issue, and they said that they were unable to because the company that they work with had already sold the debt. This appears to have happened before I even received notice of the debt in the mail as I called the day that I received the notice.
04/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55024	Web
Tri-State Adjustments, Inc. a Wi sconsin-based Collections company is attempting to collect on a debt that they can not confirm is owed by me. On XXXX XXXX , 2017 , I sent them a letter disputing their claim and requested per FDCPA that they identify their client, and to validate this alleged debt through any and all documentation supporting their claim. I have filed this same complaint with CFPB case file number XXXX in which Tri-States Adjustme nt, Inc.is basically unresponsive stating they are waiting on proof that I have paid this bill. It is obvious that Tri-State Ajustment , Inc. does n't understand the law because they should know that the burden of proof that a debt is owed is upon them and not the consumer. I will also be filing formal complaints with the Wisconsin Department of Financial Institutions who regulates their license and with the Minnesota Department of Commerce in which Tri-St ate Adjustments claims they are licensed with.
08/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 507XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
03/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30152	Web	Servicemember
I have attempted to rectify this debt with this company by through written communication by letter sent certified return receipt. The initial letter was sent to Tri-State Adjustments after reviewing my credit report and finding this company listed with a collection on my credit report. I sent a letter demanding they verify debt on XX/XX/2023. At which time, the collection agency sent a one page itemized bill not inclusive of any of the verifications I requested. on XX/XX/2023 I sent a second written letter certified return receipt informing them that they were in violation of my the no surprises act and to delete this account from the credit report. this account has yet to be deleted. I am asking for your assistance in holding this collection company accountable and demand that this account be deleted from my credit report ( XXXX, XXXX, and XXXX ). Attached you will find the documentation of the above mentioned correspondences.
11/22/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78218	Web	Servicemember
In early 2016 my doctor XXXX XXXX prescribed a XXXX XXXX XXXX for me. The machine was to be connected to my XXXX machine. I stopped using the XXXX XXXX and called XXXX XXXX to come pick the machine up. They told me they would have someone pick the machine up but never did until I informed them I was going to be moving out of state. They didnt come pick it up until the around the end of XXXX or early XXXX. They were billing my insurance {$330.00} a month for the machine usage. I spoke to XXXX about the charge of {$150.00} they charged me and told them I shouldnt have to pay all of that because I called them and told them to come get thier machine. When I spoke with the collection agency they said XXXX put in their notes that a doctor note was needed to pick the machine up. There was no mention of a doctor note being needed for pick up of the machine when it was prescribed nor did they have a note when they came to pick it up.
03/13/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53051	Web
I am XXXX and on low income with social security. We have been receiving calls from Tri-State Repeat calls as harassment Lately, they call every few days. The message sounds like a robocall. We have asked them to stop calling, but they still do. They have started to leave a message saying they are collecting a debt since XXXX. However, they are supposed to send within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. They have not sent any written communication and it has been over a month now. We are retired and on low income. This includes high-pressure collection activity and lawsuits. We are requesting that they cease and desist communication with us, as well as my family and friends, concerning this and all other alleged debts they claim we owe.
04/16/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 61201	Web
Found Tri state adjustment inc located in XXXX XXXX XXXX reporting on my credit report. I reached out to the company to provide a statement and copies of HIPPA form I signed. I was in question because I paid this dental bill from XXXX off before I moved to XXXX XX/XX/XXXX. I did not move back to XXXX until XX/XX/XXXX, but the service dates can not be correct on the statement. I requested a copy of any documentation I signed HIPPA a billing form for insurance anything. What I did get in the mail was my information, my families, dental insurance information, procedures and procedures codes. I never signed for XXXX XXXX to release mine or my childrens medical information and proof has not been provided. Also insurance was billed on dates. What is owed is XXXX for services provided for my husband on XX/XX/XXXX while he was still living in the state. XXXX did not fully investigate.
04/01/2019	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 Investigation took more than 30 days	NY 14626	Web
My wife had some negative accounts on her credit report she paid all of them all reported that they were paid but XXXX Ive called the original creditor they told me they received the payment in full the credit agency refused to work with us the original creditor has also tried to contact the collection agency the original creditor said it up to the collection agency to report that its been paid we paid this on XXXX XXXX the company is Tri State Adjustment in XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX I also noticed that on XXXX XXXX they reported to the credit bureau that this account is still active which is a lie when it was paid in full on XX/XX/2019 please shut this company down and fine them to the highest level as possible thank you
01/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20774	Web	Servicemember
My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.
04/06/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07726	Web
I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and Medicare XXXX XXXX XXXX I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44129	Web
On XXXX XXXX, 2020, TRI STATE ADJUSTMENT IN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA TRI STATE ADJUSTMENT IN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
11/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53210	Web
This company is attempting to collect on an alleged debt that is timed barred or/is expired. Provide legal documentation supporting that I have a legal obligation to do business with you, have done business with you, or that I even owe you. I have had no business dealings with you whatever so ever. This debt has expired and legally can not be sued. My credit is my reputation, my life and I will do whatever it takes to legally protect it. I will not allow your negligence and faulty collection practices to damage it.
05/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55904	Web
The company below has placed an old XXXX XXXX account on my credit report opened XX/XX/2014. I have never received anything in the mail from them and I have never done business with them. They are reporting this erronouse debt twice on my credit report with two different balances, {$310.00} and {$170.00}. This negative report has ruined my credit and cause me to be denied for new credit multiple times. TRI-STATE ADJUSTMENT XXXX XXXX XXXX XXXX. XXXX XXXX, WI XXXX ( XXXX ) XXXX
12/11/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WI 546XX	Web
Tri-State adjustments is trying to collect a debt that is past my state statute of limitations so I no longer ordered that plus they are reporting it to the credit bureaus and it is negatively impacting my score. I also believe that there may be more than one account related to a single debt reported to my credit agency which is making my turn off balance of amount of money old go up inaccurately
07/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web
Tri-State adjustments is attempting to collect on a debt they claim I owe. I have never done business with Tri-State adjustments, I do not know who they are, and they have not sent me any documentation to substantiate this debt. They called me on the phone, and said they'd report me to the credit reporting agencies even though they'd not provided any documentation or proof of this supposed debt.
04/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55024	Web	Older American
Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.
04/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 54403	Web
They sent me receipt that debt was paid but continue to call me stating the debt is not paid. When I sent them receipt that they sent me asking for explanation they now stated that my bank took back the money. This debt is paid in full and I don't owe them any more money but they continue to call me.
08/19/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 482XX	Web	Older American
Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.
08/20/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
Emailed XXXX, XXXX,XXXX XX/XX/19 with message: "As related to the attached please provide all invoices to XXXX and to me for $XXXX and $XXXX. Thank you."No response.Attempted CFPB upload of Tri State Adjustments Inc.pdf denied.
08/10/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 357XX	Web
A Rep from Tri State Adjustments , Inc. repeatedly leaves messages for me for some unknown debtor. They call several times per day.
03/15/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	WI 546XX	Web
Never received any notice will pay off Dept just need to know how
08/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08873	Web

07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98105	Web

11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95827	Web

05/12/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29681	Phone	Servicemember

04/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61108	Web

04/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75034	Postal mail

01/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85234	Web	Older American

05/24/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 54467	Web

04/04/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

03/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55901	Web

01/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 50622	Web

11/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60423	Fax

10/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93277	Phone

07/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94062	Referral

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53210	Web

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PR 00907	Postal mail

02/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11207	Postal mail

12/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14513	Web

12/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 14513	Web

09/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95020	Postal mail

05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WI 54701	Web

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90804	Phone

02/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33145	Web

12/20/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 28405	Web

12/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90272	Fax

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85310	Web

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 54601	Referral

10/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60827	Web

08/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78253	Web

07/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92026	Web	Older American

06/23/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 07461	Web

05/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90211	Web

10/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 79371	Phone	Older American, Servicemember

09/16/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29180	Web

08/27/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33412	Postal mail