Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
URGENT Follow-Up & Final Demand : XXXXXXXX Debt Collection and Unlocking To : XXXX XXXX XXXX Department ( Attention : XXXX ) CC : Collection Agency ( Diversified Adjustment Service , Inc. ) Reference Number at Collection Agency : ( XXXX ) Account with XXXX XXXX : XXXX Date : XX/XX/year> Subject : Breach of Agreement, Improper Debt Transfer, and Demand for Immediate XXXX XXXX XXXX  Unlocking This correspondence is an urgent follow-up to my previous dispute and my recent conversation with XXXX in Executive Relations . 

On [ XX/XX/XXXX of conversation with XXXX ], XXXX explicitly stated that I could keep the phone provided I eventually paid the disputed {$830.00} balance. I clearly reiterated during that conversation that I am currently unemployed and facing severe financial hardship, and we had a mutual understanding that I would contact XXXX to begin making payments when I secured employment. 

Breach of Agreement and Improper Collection Despite this agreement and my inability to pay immediately : Breach of Trust : XXXX has disregarded my financial status and the agreed-upon payment timeline. 

Improper Debt Transfer : I have now received an email stating the account has been sent to a collection agency, which is demanding an additional {$83.00} in collection fees, raising the total demanded to {$910.00}. This action directly contradicts the arrangement for me to pay XXXX directly upon securing employment. 

Collection Practices : Furthermore, XXXX representatives previously refused to disclose the name of the alleged debt collection agency when I called, creating an obstruction to resolving the issue. This transfer was executed while I was still disputing the underlying balance. 

Demand for Phone Unlocking I must reiterate that the service disconnection ( which occurred despite assurances ) has critically impacted my ability to seek and secure new employment, as my phone is my only reliable means of communication. 

I demand immediate action on the following : XXXX XXXX XXXX Unlocking : Immediately process the unlocking of my XXXX XXXX XXXX. This resolution is warranted due to the documented financial hardship, the company 's prior misleading assurances, and the premature, unwarranted transfer of the debt to collections. 

Withdrawal from Collections : Immediately recall this debt from the collection agency and notify them to cease all contact and fees ( specifically the {$83.00} ). All future communications regarding the {$830.00} balance must come directly from XXXX Executive Relations.

I have filed complaints with the CFPB and XXXX, and this new action of immediately inflating the debt with collection fees will be added to those complaints. 

I require confirmation that the phone has been unlocked within XXXX business days. 

Sincerely, XXXX XXXX XXXX, XXXX my friend 's telephone number because I do not have one ; XXXX XXXX

Company response to consumer: Closed with explanation