Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc
State: FL

Complaint narrative:
I am writing to address a significant ongoing issue regarding a car accident on XX/XX/XXXX2025, involving a XXXX XXXX XXXX XXXX vehicle ( XXXX XXXX XXXX XXXX ) and subsequent charges and reporting to a collection agency. The driver of the other vehicle was deemed at fault, and XXXX XXXX XXXX XXXX the at-fault driver 's carrier, accepted liability for the damages. 

On XX/XX/XXXX2025, I filed an online accident report with XXXXXXXX XXXX XXXX XXXX and initiated a claim with XXXX XXXX. On XX/XX/XXXX 2025, I spoke with XXXX, a XXXX XXXX XXXX XXXX  claims representative, providing a statement and the XXXX XXXX  claim number. 

On XX/XX/XXXX2025, I received a demand letter from XXXX XXXX XXXX XXXX XXXX  Sr. Damage Recovery Agent, XXXX XXXX XXXX seeking {$3500.00} for estimated repairs, loss of use, and administration fees. This demand lacked itemized billing or invoices. Despite XXXX XXXX accepting liability on XX/XX/XXXX 2025, and stating they would work with XXXX to obtain necessary repair documents, XXXX XXXX XXXX XXXX  made unauthorized attempts to charge my credit card ending in XXXX on three occasions for a total of {$180.00}. On XX/XX/XXXX2025, XXXX made a fourth unauthorized attempt to charge a different card for {$90.00}. 

Upon inquiring with XXXX XXXX XXXX XXXX 's customer service, billing department, and counter agents on XX/XX/XXXX 2025, I was informed that there were no notes or documentation regarding chargebacks, unpaid claims, damages, or vehicle repairs. No logical explanation was provided for the unauthorized charges. 

The claim was settled with XXXX XXXX on XX/XX/XXXX2025, for {$2800.00} and closed in early XX/XX/XXXX2025. However, on XX/XX/XXXX 2025, I was informed by a XXXX XXXX XXXX XXXX  counter agent at XXXX XXXX XXXX that I had been placed on the company 's " Do Not Rent '' ( DNR ) list due to an issue with this claim as of XX/XX/XXXX2025. I was instructed to contact the billing department at XXXX. 

My attempts to resolve this with XXXX XXXX on XX/XX/XXXX and XXXX were unsuccessful, as she directed me to JNR Adjustment Company ( Main Number : XXXX or XXXX, Address : XXXX XXXX XXXX XXXX, Florida XXXX ). Upon contacting JNR on XX/XX/XXXX2025, and XX/XX/XXXX2025, I was informed that XXXXXXXX XXXX XXXX XXXX reported a balance of {$1400.00} was owed by me. I denied owing this debt and requested a debt validation letter and a summary of the repairs. I was initially told to obtain this from XXXX XXXX and a second JNR representative stated the account was new and a collections agent had not yet been assigned. 

I subsequently contacted the XXXX XXXX Claims Department and received a summary of charges for the auto property damage on XX/XX/XXXX 2025. This summary indicates a {$1400.00} difference in scope, broken down as follows : * Vehicle repair difference : {$270.00} * Loss of Use : {$100.00} * Administrative Fees : {$250.00} * Diminished Value : {$790.00} XXXX XXXX Claims Specialist XXXX XXXX confirmed that administrative fees ( {$250.00} ) and loss of use ( {$100.00} ) would not be considered without proper documentation from XXXX XXXX XXXX XXXX  demonstrating an actual loss. XXXX XXXX XXXX XXXX has failed to provide this documentation since XX/XX/XXXX2025. Furthermore, XXXX XXXX removed certain line items totaling {$270.00} from the vehicle repair costs due to XXXX XXXX XXXX XXXX 's complete utter failure to substantiate them with invoices or supporting documentation. These line items include : XXXX XXXX  - {$28.00} XXXX XXXX XXXX {$7.00} XXXX XXXX XXXX {$17.00} XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX$8.00} XXXX XXXX - {$8.00} XXXX XXXX - {$70.00} XXXX  XXXX  - {$70.00} XXXX XXXX - {$21.00} * Additional costs - {$41.00} After further communication with XXXX XXXX, a second payment of {$790.00} was issued to XXXX XXXX XXXX XXXX  for diminished value. This leaves a remaining balance of {$630.00}, which includes the unsubstantiated vehicle repair line items ( {$270.00} ), administrative fees ( {$250.00} ), and loss of use ( {$100.00} ). As of today, XXXX XXXX XXXX XXXX has yet to provide receipts, invoices, or supporting documentation for these claimed expenses. 

I have attached the summary of charges from XXXX XXXX for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation