Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I CALLED A YEAR AGO TO SETTLE MY ACCOUNT I WAS TOLD THT IT WOULD PROBABLY BE A WASTE OF TIME. I OFFERED THE ORIGNAL CLIENT A SETTLEMENT AMOUNT AND THEY SAID THEY WOULD LET ME KNOW IF THEY APPROVED IT THEY NEVER DID THEN WHEN I CALLED THEY TOLD ME THAT I HAD NO OPTIONS AND THAT I HAD TO PAY THE BALANCE IN FULL OR THEY WILL TAKE ME TO COURT AND PER XXXX WORDS " I WILL MAKE SURE THAT YOU WILL BE GRANTED A JUDGEMENT TO REFLECT XXXX INCAPACITY TO FULFIL YOUR OBLIGATIONS '' AND THEN NEVER HELPED ME. I WENT THROUGH SO MUCH TORUBLE TRYING TO WORK WITH THEM I WOULD CALL, THEY SAID THEY COULDNT TALKE TO ME BECSUE THEY NEEDED A LETTER GIVING THEM PERMISSION I CALLED THEM OUT AND SAID THAT WAS ILLEGAL PER FDCPA STATES IS IS ILLEGAL TO MAKE A DEBTOR PAY ANY FEES TO COMMUNICATE WITH THERE DEBTORS AND THAT INCLUDED POSTAGE, SO IF WE ARE ON THE PHONE MY VERBAL AUTHORIZATION IS ENOUGH, XXXX WHO IS SO VERY ABUSIVE COME BACK IN A DISRESPECFUL TONE AND SAID " YOU COMPLAINING ABOUT BUYING STAMPS, HAHA IM SORRY YOU HAVE TO BUY POSTAGE '' I WAS UPSET THEY PUT A JUDGEMENT ON ME EVEN THOUGH ICALLED AND LEFT A VOICEMIAL BECAUSE THIS COMPANY DOENST RESPOND AND THEY SAID THEY ARE ALLOWED TO DO THAT. I ASKED WHY THEY NEVER CALLED BECAUSE I LEFT VOICEMAIL THEY SAID BECASUE I NEVER SENT A LETTER REFLECTING THEY CAN CONTACT ME SO THEY DIDNT I ASKED HOW ITS MY ISSUE IF THEY DO NOT ANSWER THEY'RE PHONES HE CONTINUED TO ARGUE AND SAY SO ARE WE GARNISHING YOU OR ARE YOU PAYING I CRIED GOT OFF THE PHONE CALLED THE ORIGNAL CREDITOR XXXX XXXX, THEY WERE CONFUSED THE LADY SAID " IM NOT SURE WHY THEYRE PUSHING A JUDGEMENT IT LOOKS LIKE LAST YEAR YOU OFFERED A SETTLEMENT AMOUNT AND WE ACCEPTED IT, I TOLD HER THAT THEY NEVER GAVE ME THAT OPTION AND TOLD ME IF WAS THE BALANCE IN FULL OR A GANISHEMENT. '' SHE CALLED AND HAD TO TELL THEM TO WORK WITH ME. NOW WHEN I CALL THEY HANG UP ON ME, THEY ARE RUDE TO ME OR DONT ANSWER BECASUE THEY ARE UPSET THE CLIENT GOT INVOLVED This is the worst most disresptectful comany in the collection industry ever. I can not believe XXXX XXXX is continuing to send accounts here. XXXX XXXX XXXX has handled most of my XXXX account and they have been so respectful, and easy to work with. But XXXX thrives off of treating they're debtors like absolute garbage especially XXXX and XXXX. This is a company who thinks that FDCPA doens't apply to them, they will make it literally impossible to contact you and when you contact them they dont answer, or when they do they tell you that theres nothing they can do, but if you call the client they will say the exact opposite. They do not care about their debtors they rather push lawsuits then collect actual money and its probably because they are all XXXX poor quality collectors with the worst personalities. They have no ethic and will blatantly lie. I asked who the attorneys were for my account the lied and said they are the only one I called the courts and XXXX XXXX and got that no problem. THIS IS A JOKE AND I CAN NOT BELIEVE XXXX XXXX AND OTHER MAJOR COMPANIES WOULD ALLOW THEIR ACCOUNTS TO BE WORKED BY A COMPANY WITH SUCH LOW QUALITY AND RATINGS! ESPECIALLY SINCE XXXX ALREADY IS WORKING WITH A WONDERFUL AGENCY FOR THEIR OTHER ACCOUNTS

Company response to consumer: Closed with explanation