Consumer complaint received 2022-01-26
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX, my wife died at the age of XXXX. My late XXXX had signed power of attorney to her XXXX and XXXX. Before her death, my late XXXX was conned by her XXXX XXXX and XXXX to secretly XXXX me out of my own estate and then created a new estate on her death bed to attempt to pull all of her XXXX  and life insurance into their hands and leave me high and dry. My late XXXX XXXX XXXX  reached out to XXXX XXXX to make a deal to pay off her medical bill. Her dad got the bill to go down from XXXX to XXXX and then found out that if he did not pay the bill, it would just hurt my credit. This is what he wanted to do as they were already taking me to court to take everything I have. XXXX XXXX called me and told me that I needed to pay the bill. I explained to them that I did not have power of attorney and was not over my late XXXX XXXX  estate as her parents were and that her uncle, who is part owner in the life insurance brokerage, ran away with all the life insurance that I had been paying on for XXXX years. XXXX XXXX told me that this would then go to collections. Months went by and then I got a random phone call from a XXXX XXXX at Knight Adjustment Bureau telling me that I owe over XXXX. I responded to Knight Adjustment Bureau and asked them to prove to me who they were, why I owe them money etc. They stated that they sent me paperwork. NO paperwork was sent to my home address. It was confessed that the paperwork was sent to my former in-laws house, whom I am in legal battle with and have zero contact with due to them trying to take everything from me. This was on a XXXX sometime in the summer of XXXX. XXXX XXXX at Knight Adjustment Bureau told me that he has notes from XXXX XXXX stating that my former Mr. in-law had been in contact with XXXX  XXXX  and admitted that he would pay the bill. I asked if I could pick up this paperwork on Monday. XXXX XXXX told me yes. On XXXX I went to the offices of Knight Adjustment Bureau and was able to meet with XXXX XXXX and his manager. Knight Adjustment Bureau then refused to give me any paperwork regarding this collection stating that " I do not have power of attorney and it is against XXXX ''. I was beyond confused on why they would not give me any paperwork or even an invoice on how much I owe. This is against the fare debt collection act and they did not care. Knight Adjustment Bureau still was harassing me and pressuring me to just pay them over XXXX right there and then, then they would leave me alone. If I didn't, it would be reported to my credit. Once again, this is against the fair debt collection act. I told XXXX XXXX that I am in litigation with my late wife 's parents over her estate, that they needed to just put a lien on the estate. I left Knight Adjustment Bureau with no paperwork at all regarding why I owe them anything. For all I knew, this was just a scam. According to the fair debt collection act, Knight Adjustment Bureau had XXXX days to give me paperwork on this debt. They failed to do so. Trying not to get my attorney involved, I had a family friend who deals a lot with court issues and serving papers go to Knight Adjustment Bureau to serve Knight Adjustment Bureau demanding to give me what information that legally I was supposed to get. My family friend told me that the office manager screamed, yelled and harassed him as she refused to accept to be served with any paperwork. On XX/XX/XXXX, I had to have my Attorney get a court XXXX to get paperwork from Knight Adjustment Bureau and was told that they needed to give all paperwork by XX/XX/XXXX. Knight Adjustment Bureau failed to give my attorney the paperwork by XX/XX/XXXX. On XX/XX/XXXX, I got in the mail just a invoice from Knight Adjustment Bureau from when my family friend served Knight Adjustment Bureau. My attorney did not receive anything. This was the first time that I physically received anything from Knight Adjustment Bureau. Even this is against the fair debt collection act, as Knight Adjustment Bureau was fully aware that I was represented by an attorney and should have not had this sent to my home but to my attorney. My attorney had to reach out to Knight Adjustment Bureau after the XXXX and demand them to obey the orders from the court. Knight Adjustment Bureau told my attorney no, that he did not have rights to see the paperwork without My approval. On XX/XX/XXXX, my attorney had me send him a email stating that I give my attorney to get the paperwork that the court has asked for in the Subpoena. My attorney again emailed Knight Adjustment Bureau on XX/XX/XXXX. To remind you again, still at this point I had not seen a single letter from Knight Adjustment Bureau on who they were, why I owed them etc. It was not until XX/XX/XXXX, that my attorney was able to get paperwork from Knight Adjustment Bureau. It was at this time that I was able to see all the information that was asked for. It was at this time that I learned that my former in-laws had made a deal with XXXX XXXX then backed out of the deal so that it would hurt me and my credit. On XX/XX/XXXX, I had a court hearing with a Judge. Within the court hearing this bill from XXXX XXXX was brought up and the Judge was able to see how my former in-law had his hands in getting this sent to collection when he had already made a deal to pay the debt within the estate that he is wanting to be personal represented of. The Judge wanted to look more into all the evidence and has pushed the court date to XX/XX/XXXX. The first week of XXXX I then received my XXXX letter sent to my home address from Knight Adjustment Bureau. This once again is failure to obey the fare debt collection act as Knight Adjustment Bureau is very aware that I am represented by an attorney and should have never sent me any information to my home address. Within this letter Knight Adjustment Bureau states that now I owe them over XXXX and that I have XXXX days to reach out to them. This letter was dated XX/XX/XXXX. Within this letter it states " You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. We will not submit a negative credit report to a credit reporting agency about this obligation until after the expiration of the time period described above '' ( XX/XX/XXXX ). As I checked my credit on XXXX, I have found that Knight Adjustment Bureau reported a negative credit report on XX/XX/XXXX. This is only XXXX days after the letter from Knight Adjustment Bureau was even written. Knight Adjustment Bureau did not follow their own contract as stated, " XXXX days ''. This is once again another fair debt collection act violation as well as Knight Adjustment Bureau threating me that it will be reported on my credit. After I found that Knight Adjustment Bureau failed to follow their own agreement, I went to Knight Adjustment Bureau 's website on XX/XX/XXXX @ XXXX XXXX and filled a Dispute. As well as on XX/XX/XXXX a second Dispute. A check to Knight Adjustment Bureau will be sent from the bank offices on XX/XX/XXXX to show that I am making at a effort so that the harassments from Knight Adjustment Bureau will stop. The way I have been treated with this issue is unacceptable and Knight Adjustment Bureau has been nothing but difficult to work with. It is sad that I even had to get an Attorney involved to get what should have been just given to me up front.

Company response to consumer: Closed with explanation