Union Adjustment Company, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90046	Web
On XX/XX/18 UNION ADJUSTMENT COMPANY fraudulently placed a negative collection account on my private consumer credit profile. This company is trying erroneously claim civil dispute between them and I for an alleged debt that is not owed to them nor the company they represent. The UNION ADJUSTMENT COMPANY did not provide any services nor provide any goods to me and has no rights to any debts owed. The Fair Debt Collection Practices Act clearly states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Being that there is no agreement between the plaintiff and the defendant, that would mean the Plaintiffs collection attempts can not be sustained and are in fact fraudulent. They are also in violation of HIPPA Privacy guidelines and have illegally furnished my information without prior consent. The plaintiff is trying to illegally re-age an account in an attempt to collect a debt not owed to them. They are an unqualified third party and a liability which offers no assistance to this alleged civil dispute. If they are the Fiduciary in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including their fraudulent reporting to various credit reporting agencies. They are attempting to enter into an alleged civil dispute without the contract and/or my permission and are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). They must Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer of the Original Contract, you are a third party. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. The laws in this country do not provide a remedy for a collection company that knowingly and voluntarily takes on a bad debt and then goes after the alleged debtor in an attempt to collect that suppossed debt ; therefore, the Plaintiffs actions fall under the precedence set forth in scienti et volenti non fit injuria. They are ordered to remove the negative and fraudulent reporting of a collection on my consumer credit report and vacate any judgments they have put forth on the public record. They are not allowed to resell this alleged debt to any other company and will report it as a loss in their books. They should be advised that issuing letters of threat and trying to collect on a debt for which no contract exists is a crime of mail fraud and punishable in united states. I am a litigious consumer and I plan on seeking remedy in venue closest to me if they do not perform in the way that I have set forth in this presentment. This is an attempt to peacefully settle this matter. Please be sure that your documents are in order if there is need to pursue litigation.
10/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 926XX	Web
I disputed with XXXX regarding a company that was showing up on my credit report as a 30 day term financial account in collection. There was no payment history. They claimed the original creditor was a company called XXXX XXXX. I never had an account with XXXX XXXX, who reported an auto loan, but this company was on my credit report as a loan. I have disputed regarding that company and have received a resolution regarding my XXXX XXXX adversely effecting credit report. I contacted Union Adjustment Co. by mail on XXXX XXXX, XXXX. I sent the letter certified return receipt to the agent of service for this company, XXXX XXXX. I wanted to know how they obtained the account, a completed payment history prior to the year XXXX, copy of original signed documents, and a canceled check or this information needed to be removed from the credit bureaus. I have yet to receive a response with documentation. My main concern is this account was removed from my credit report. It somehow reappeared under a different account number and different amount due. This company has provided conflicting information to the credit bureaus. I originally tried to resolve this matter in XXXX. I pulled out that credit report and noticed that the account number is not the same as the account number on my XXXX credit reports. I also noticed that each credit report I have received since the one in XXXX has a different first reported date. If they claimed it was reported in XXXX XXXX, how can it now say XXXX XXXX which is right around the time I notice this account reappeared on my XXXX credit report after being removed at some point in time after I disputed in XXXX. I also noticed the amount in XXXX was less than {$5000.00} and now it 's almost {$7000.00}. The amount due increased between XXXX to XXXX XXXX with less than {$50.00} yet there is a huge difference in the amount from XXXX to present. They do not provide monthly amounts on my credit reports. It 's only the current month. Where did they get that amount and how are they justifying a loan collection when I ca n't get any verification of the information that provide to the bureaus? Just looking at the credit report, it looks like this is a brand new debt that was created in XXXX. Looking at the credit report from XXXX and the XXXX and XXXX XXXX reports and it looks like a collection company put this debt back on my credit report at the time my credit improved and attempted to age it as new debt since it 's past the statute of limitations for California. I want this company to provide the documentation showing my signature for XXXX XXXX regarding checks, original loan documents, their assignment, and anything showing my signature with XXXX XXXX associated with this account or remove this from my credit report, because they are reporting in error when they provide conflicting account numbers and amount owed with nothing more than sending a message to credit bureaus claiming the account is verified.
05/14/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	CA 92551	Web
I would like to say false statement is correct on the drop down statements but crime by not paying debit is not correct but system will not go forward without choosing XXXX more choice and there is not a correct XXXX for my complaint ... ..so pls disreguard my choice on XXXX drop down ) Under XXXX report info there is a collections from XXXX CITATION CENTER for {$110.00} which has been paid in full and shows closed, with a derogative remark which I feel very strongly needs to be removed .I continue asking for assistance with this matter. A little background would be in XXXX trauma accident XXXX I share that info only to show how until last year ( 5 years after accident ) I was not in any condition physically or more importantly mentally and emotionally to absorb most things going on around me on a daily basis. In XXXX I came across a bill ( from XXXX citation ) for {$110.00} which showed no indication what it was for ( Ihad had a bill for the same amount for XXXX transpotation which was directed XXXX so therefore I THOUGHT THIS WAS SAME DEBIT AND HAD BEEN TAKEN CARE OF AS IT WAS NOT MY BILL. I called immediately and asked what info was attached to that bill, I apologize at this time as I cant recall what the lady on phone told me but I recognized that the item was my debit and so I explained my circumstances and sincerely apologized and paid the debit immediately during the phone call, as was my responsibility .I have been recently been trying to work on my credit as within 2 months of accident many thousands of debit was fraudulently put in my name, I am very glad to say that for someone who has never had bad debit issues my credit score is now repaired and therefore to read on my credit report that this company choose to put " disputed resolved, customer disagrees " is so distressing to me when I agreed the debit was mine and paid with no problem and I also observe account reported XXXX XXXX XXXX and then again XXXX XXXX XXXX??? what does this mean? ( I question if the customer service with this company gets a bonus or at least recognition for any debit collected and if it seems like they worked hard, put pressure and received payment they shine brighter to management, more than simply taking a payment by phone??? THIS WAS NOT THE SITUATION ) YET this agent felt it necessary to put such a remark which stays negatively on my credit report, its is false .Thank You for your attention in this matter.
07/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ID 83705	Web	Servicemember
I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.
03/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91367	Web
I received a collection notice from " UNION ADJUSTMENT CO '' regarding debt amount of {$4200.00} on behalf of " XXXX '' at XX/XX/2017. The notice asked to pay the total mentioned amount or dispute by mail within 30 days, so the dispute letter has been sent at XX/XX/2017 by certify mail. But according to the " XXXX '' report the collection agency opened collection account by the end of XX/XX/XXXX on " XXXX '' and then couple days later they opened the same account in " XXXX '' as well. Please consider there is no remaining balance between me and original creditor which is XXXX and i did not receive any bill before and certainly there is no strong documents to proof their claim like court order or something like that. Its like their abusing regarded laws and trying to collect money by partnering with collection agency which is obviously unlawful and potentially can be sued in court.
04/06/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23464	Web
Received Stop Release due to garnishment and company Union Adjustment XXXX. XXXX XXXX XXXX, Ca XXXX XXXX. Has submitted a new garnishement same case # XXXX. XXXX County, Superior Court ... XXXX Ca. The stop release was given back in XX/XX/XXXX and XX/XX/XXXX here they are again taking my money. Company I purchased a car from over 15 years ago refused to fix a broken computer chip. Had not been 3 months. So I did vouluntary reposession and I ended up out of money put down and car i used as part of down payment. And had no transportation. Now all these years later these people who I do not owe a dime are garnishing my check for the XXXX time ... Please make this stop.
10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90004	Web
i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you.
10/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85282	Web
UNION ADJUSTMENT CO, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, CA XXXXIndividualOriginal CreditorXXXX XXXX {$97.00} They have XXXX and XXXX infractsions on my credit and they continues to validate their collections to XXXX, yet each record is in XXXX on my credit report. XXXX and XXXX investigated and removed them from my credit but XXXX will not and they actually continue to grow. They just added more and damaged my credit by XXXX points. I do n't have money for a lawyer at present or I would seek damages cause this has been going on for 3 years.
03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web	Servicemember
I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
12/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 93722	Web
My account was forwarded to a collection agency known as union adjustment after I filed for a chapter 13 bankruptcy, the XXXX account was included in my chapter 13 bankruptcy. XXXX continues to report my account as open, NOT included in bankruptcy and reporting that it is late. In addition, 1 year after filed for bankruptcy XXXX forwarded my account to a collection agency. This is a violation of bankruptcy laws.
05/31/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91786	Web
I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.
03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92881	Web
i found out i had a collection on my credit from a parking ticket, so call to pay it off on XX/XX/XXXX which i did in fact with a credit card over the phone, today on XX/XX/XXXX i was denied credit on a auto loan because union adjustment company is still reporting the account as unpaid after i paid it off eight months ago, this company is stopping me from moving forward with my life can you please help!!
10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91304	Web
Made several attempt to validate debt and so responses have ever been made. I have tracking and letters of disputes to Creditor and Credit Bureaus. Looking to resolve the negative impact it has on my Credit Report. But no response. Efforts gone unanswered since XXXX/XXXX/2016. Should not be this difficult to get a copy of my alleged debt. Its being reported on my credit report as bad faith.
10/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91790	Web
Union Adjustment was informed in 2013 that they where reporting a collection account on my credit report and asked to provide a validation of debt. Till this date they have failed to do so. They have continue to report the collection on my credit report with out merit and attempted to collect the debt and contacted 3rd parties.
07/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90807	Web
this matter with the collection company ( union adjustment co. XXXX XXXX XXXX, XXXX ca XXXX ), was dismissed in superior court of calf. on XX/XX/2014, case # XXXX. the company refuses to accept the court order and continues it's actions. copy of court order to be faxed to XXXX
03/06/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web
I am completely unaware of this account and believe this is fraudulent information that has appeared on my report.
01/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91001	Web
Famsa XX/XX/14 paid
12/18/2023	No	Money transfer, virtual currency, or money service Mobile or digital wallet	Trouble accessing funds in your mobile or digital wallet	NY 11355	Web	Servicemember

07/09/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90210	Referral

06/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91201	Web

11/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web

06/28/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90043	Web

04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 91331	Web

07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32771	Web

06/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 79904	Web

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90247	Web

04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94515	Web

01/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77093	Referral

09/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77091	Web

09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92551	Web

08/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99163	Web	Older American

07/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92551	Web

07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77087	Web

03/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92821	Web

03/13/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90026	Web	Older American

03/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92530	Web	Older American

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92868	Web