Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Audit & Adjustment Co. Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally report unlawful, deceptive, and unprofessional debt collection practices by a representative of Audit & Adjustment. I recorded the phone call where she attempted to collect sensitive information. All calls to and from Audit & Adjustment are recorded on their end as well.

I received an unsolicited phone call from an individual identifying herself as XXXX, claiming to be calling on behalf of Audit & Adjustment regarding an alleged medical debt in the amount of {$48.00}. During this call, I informed her that I was actively driving and that I needed to first verify the alleged debt with my insurance provider before discussing payment. In response, XXXX falsely stated that my insurance couldnt do anything and then incorrectly asserted that I was being marked as refusing to pay. This statement was materially false and misleading, as I never refused to pay and was only requesting verification. Immediately after making this statement, she terminated the call by hanging up on me.

I promptly called back using the same number she had contacted me from minutes earlier and provided my name and the phone number she had just called. Instead of providing basic debt information or validation, XXXX spoke over me and demanded that I provide my home address, date of birth, and full Social Security number. I declined to disclose sensitive personal information and attempted to ask clarifying questions regarding the alleged debt. While I was still speaking, the call was again abruptly terminated by XXXX. 

I then called back a third time and explicitly requested to speak with a supervisor. Despite this request, I was once again connected to XXXX, who appeared to be acting as both the collector and the supervisor. At this point, her demeanor and tone changed noticeably. She no longer interrupted me or hung up. She became unusually quiet and, for the first time, provided limited information by naming the laboratory associated with the alleged {$48.00} charge. 

During this conversation, I informed XXXX that her prior conduct was unprofessional and noncompliant with the Fair Debt Collection Practices Act ( FDCPA ). Specifically : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representations, including falsely stating that a consumer has refused to pay a debt.

FDCPA 809 ( 15 U.S.C. 1692g ) Provides consumers the right to request validation and verification of a debt before payment.

FDCPA 806 ( 15 U.S.C. 1692d ) Prohibits harassing, oppressive, or abusive conduct, including repeatedly hanging up on a consumer.

Requiring disclosure of sensitive personal information ( such as a Social Security number ) as a condition of providing basic debt information is inappropriate, unsafe, and inconsistent with lawful debt collection practices. 

At no point did I refuse to pay a legitimate debt. I was solely attempting to determine whether the alleged debt was valid before sharing personal information or payment details. The fact that XXXX  behavior only changed after I requested management strongly suggests awareness that her prior conduct was improper. 

This complaint is submitted due to serious concerns regarding misrepresentation, coercive tactics, failure to provide lawful validation, improper demands for sensitive personal data, and harassment through repeated call termination. I respectfully request that this matter be reviewed for regulatory violations and that appropriate corrective or enforcement action be taken.

Company response to consumer: Closed with explanation