ComplaintsforAmerican Adjustment Bureau, Inc.

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Initial Complaint
04/08/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Sent me a letter in the mail stating I owe a hospital money. The hospital and my insurance company have no record of the money owed. The letter they sent me in the mail did not state dates of service for the supposed medical bills and had mismatched medical record numbers. Did not answer the phone or return my calls.
Business response
04/08/2024
I will have a representative reach out to the phone number provided.
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR, AMERICAN ADJUSTMENT BUREAU, INC IS A DEBT COLLECTION AGENCY. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

CONFIDENTIALITY NOTICE: This email and any attachments contain confidential information that is legally privileged. This information is intended only for the use of the individual or entity named above. The authorized recipient of this information is prohibited from disclosing this information to any other party unless required to do so by law or regulation.

If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or action taken in reliance on the contents of these documents is strictly prohibited. If you have received this information in error, please notify the sender immediately and delete these documents.
Business response
04/08/2024
I will have a representative reach out to the phone number provided.
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR, AMERICAN ADJUSTMENT BUREAU, INC IS A DEBT COLLECTION AGENCY. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

CONFIDENTIALITY NOTICE: This email and any attachments contain confidential information that is legally privileged. This information is intended only for the use of the individual or entity named above. The authorized recipient of this information is prohibited from disclosing this information to any other party unless required to do so by law or regulation.

If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or action taken in reliance on the contents of these documents is strictly prohibited. If you have received this information in error, please notify the sender immediately and delete these documents.
Customer response
04/08/2024

Complaint: ********

I am rejecting this response because: I need a paper copy of more information confirming that I am the correct person being billed. I need further identifying patient information beyond what was provided. The allegation of debt owed I received in the mail (as attached to my copy provided to the Better Business Bureau) from this business provided two different medical record numbers, no dates of service, no copy of services provided, no further identifying patient information beyond two mismatched medical record numbers, no medical insurance information, no provider information, this request as a non-exhaustive list of means of verifying my identity. I have contacted my current insurance provider and ******* ******** both of whom could not verify this debt owed. I have contacted American Adjustment Bureau. No one answered the phone. To date, this business (American Adjustment Bureau) has not contacted me again aside from this letter in the mail in February.

Sincerely,

********* *******
Customer response
04/08/2024

Complaint: ********

I am rejecting this response because: I need a paper copy of more information confirming that I am the correct person being billed. I need further identifying patient information beyond what was provided. The allegation of debt owed I received in the mail (as attached to my copy provided to the Better Business Bureau) from this business provided two different medical record numbers, no dates of service, no copy of services provided, no further identifying patient information beyond two mismatched medical record numbers, no medical insurance information, no provider information, this request as a non-exhaustive list of means of verifying my identity. I have contacted my current insurance provider and ******* ******** both of whom could not verify this debt owed. I have contacted American Adjustment Bureau. No one answered the phone. To date, this business (American Adjustment Bureau) has not contacted me again aside from this letter in the mail in February.

Sincerely,

********* *******
Business response
04/09/2024
A representative is going to contact you to establish your identity before we run the risk of sending out bill copies for the wrong ********* *******. The numbers listed on the statement are different account numbers, a new account number is created by the hospital for each visit. The date of birth we show is ******** last 4 of SSN is ****. If this matches your information please confirm and we can send out copies of the bills with all specifics listed to the address on file.
Hospital account# ************ is for service date 02/06/2020.
Hospital account# ************ is for service date 12/31/2021.

Business response
04/09/2024
A representative is going to contact you to establish your identity before we run the risk of sending out bill copies for the wrong ********* *******. The numbers listed on the statement are different account numbers, a new account number is created by the hospital for each visit. The date of birth we show is ******** last 4 of SSN is ****. If this matches your information please confirm and we can send out copies of the bills with all specifics listed to the address on file.
Hospital account# ************ is for service date 02/06/2020.
Hospital account# ************ is for service date 12/31/2021.

Customer response
04/09/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I would like to remove this complaint, as the business has been helpful in resolving the issues listed via telephone.

Sincerely,

********* *******
Customer response
04/09/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I would like to remove this complaint, as the business has been helpful in resolving the issues listed via telephone.

Sincerely,

********* *******
Initial Complaint
11/06/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am aware of this ********* unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this ********* on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this ********* on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the ****** ****** ***** ******** ** *** ***** ********** ******** ****** **** ****** ****** ** **** *** **** **** **** ********* ** ** ****** * ************ * ****** ** ****** ** ********** ******** ***** *** ** ******** ** *** ***** ****** ** * ********, he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under ** *** *****. If you delete this ********* then i will drop my claim.
Business response
11/20/2023
American Adjustment bureau has documentation of communication with complainant on Feb 10, 2023. Mr. ***** reviewed all 13 delinquent balances referred by our clients, ******* *********** ******* ***** *** ******* *******l.
On Feb 10,2023 Mr. ***** advised he would callback to arrange a payment plan and never did so. Mr. ***** is welcome to contact American at any time to make those arrangements for payment. Once the outstanding balances are paid in full, they will be removed for the credit bureau. A payoff letter was also provided to Mr. ***** after his call in February.
Customer response
11/22/2023

Complaint: ********

I am rejecting this response because:I am misled by your response. When you stated that you are collecting the debt on behalf of ******* ********. Because when they issued a 1099c for the account I thought collection action was terminated. But your response says that you are collecting for them. I don’t believe that the hospital is participating in this collection. To prove, otherwise, I demand you produce an affidavit from the original creditor that confirms they are participating in the collection; otherwise, you are liable for furnishing a deceptive from under ** *** *****. For creating a false belief that a creditor is participating in the collection. When no creditor is.
I also discovered a misleading statement in your response. You did not disclose the required ************ under ** *** *********. That says “This communication is from a debt collector and will be used for those purposes.” Which your agency must disclose in each subsequent communication. Even if the false representation was unintentional, the ***** still applies. Under the strict liability standard, as cited in, Clark v. Capital Credit & Collection Services, Inc. , 460 F.3d 1162 , 1175.
DEMAND:
I am willing to dismiss my claim, only if you delete the ********* from my credit report; otherwise, I intend to act immediately under ** *** *****. To get justice for the deceptive collection methods I've accrued by your agency.

Sincerely,

****** *****
Business response
11/27/2023
American has validated all referred debts as outstanding and owed balances after insurance, per client/provider. Itemizations will be sent out to complainant by weeks end. American also has indication of a bankruptcy dismissal case number ******* for complainant.

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR, AMERICAN ADJUSTMENT BUREAU, INC IS A DEBT COLLECTION AGENCY. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Initial Complaint
08/23/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I was sent a notice in the mail regarding an outstanding bill. I have already paid the bill and have a receipt to prove it. I have called and emailed this company multiple times and no one returns my calls or responds to my emails.
Business response
08/23/2023
The consumer was sent an email on 8-22-2023 from Cristian in out office and was told that the balance was zero (0),
Customer response
08/23/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *********
Initial Complaint
08/04/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for the debt with ******* ********, I do not have a contract with American adjustment bureau. They did not provide me with the original contract as requested.
Customer response
08/04/2023
I do not have a debt with or any knowledge of what company American adjustment bureau is.
Business response
08/07/2023
We are requesting the form that the consumer would have filled out at the time of service,
Customer response
08/07/2023

Complaint: ********

I am rejecting this response because:Why would this business be requested a form if i was allegedly received service from them shouldn't they have it on hand.

Sincerely,

******* ****** **
Business response
08/09/2023
WE ARE REQUESTING THE FORM THAT THE CONSUMER WOULD HAVE FILLED OUT AT THE TIME OF SERVICE
Customer response
08/09/2023

Complaint: ********

I am rejecting this response because:I never received any service from this business. What kind of form would I have filled out and signed?

Sincerely,

******* ****** **
Initial Complaint
07/24/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Got a letter from ******** Adjustment Bureau. Says I owe $20 to **** ********. I have gone on my **** ******* portal and there are no outstanding charges. This is suspicious. It says the charge is from March 13, 2023 in which I saw no doctors. Please advise what to do, This has my account # as *******
Business response
07/24/2023
The outstanding balance was referred to ******** by **** ******** on 07 13 2023. ******** will supply complainant with an itemization to validate the outstanding debt owed. Once an account is referred to *** **** ******, it is no longer available for viewing on MyChart. My Chart accommodates only active/ outstanding receivables, not *** *****
If complainant has proof of payment and they may provide to ********, ******** will supply to provider of services for further investigation.
Customer response
07/25/2023
Please provide original information. I don’t know what this payment is referring to. What the date of Yale medicine visit was. If I cannot see in ******* then I need more information to verify visit and payment.
Business response
07/25/2023
We have changed the responsible party to ***** as she was not a minor at time of service. A new billing and itemization will be sent out to her.
Initial Complaint
07/05/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am trying to get a hold of someone regarding a debt collection I am receiving. The agency is not answering any of my calls. I do not think it is a reputable company and they are not calling back.
Business response
07/05/2023
American Adjustment shows no outstanding debts for the complainant by name or address. If you have account detail to include acct# and or amount and patient name, please provide more detail.
Initial Complaint
07/05/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I received a call from a representative name Christian regarding a $30 medical bill. I had previously sent in the return notice requesting an itemized report on this debt as I did not belong to me. I never received an itemized bill and when I attempted to return the call, Christian could not be reached or anyone for that matter. The debt is showing on my credit report despite the dispute and there has been n9 way to get in touch with anyone to remedy this at this agency. I've called several time to no avail and left detailed messages each time. No one has called me back or provided further information.
Business response
07/05/2023
The outstanding balance which is complainant cost share and co pay for services rendered by **** ********* on 02 10 2023 was referred to ******** on 06 08 2023 and has not been reported to the credit bureau.
Complainant request for detail was received and detail was requested form client. Complainant call was returned by Cristian on 06 29 2023 and a callback request was left by him. The offices were closed on Monday the 3rd and Tues the 4th of July and are now reopened.
When detail is received, per complaint request it will be mailed to residence on file.
Customer response
07/07/2023

Complaint: ********

I am rejecting this response because:
I have left several messages for Christian with no returned call. The purpose was to update the address to ensure correspondence was received, however, to date, a call still has not been received. I've also left messages to provide an email for communication as well with no returned call.

Sincerely,

****** *
Business response
07/10/2023
Our collector Cristian will be calling you as next task at *** *** **** for your new address. We have requested the itemization form client, When we receive it, we will mail to the new address you provide. You certainly may also pr9ovided in your response.
Initial Complaint
07/03/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am receiving a false bill from American Adjustment Bureau. I looked back at all of my ***** claims for the past 2 years. There is not one claim that has a balance of 172.31. I am also on ******* with **** and have never received a bill via ******* or mail for this amount. They expect you to pay the bill without providing what the bill is for. They have called my boyfriend's parents house looking for me. This is not professional. This company is a fraud and needs to be looked at. They should not be able to ruin your credit over a fraudulent claim.
Business response
07/05/2023
It's seems, complainant independently resolved issue. The bill is from 01 20 2023 and has not been reported to the credit bureau by American. The outstanding balance was referred to American on 05 10 2023 as it remained unpaid and delinquent. The balance is patient cost share and has been applied by insurance to their deductible.
Complainant went on ** ***** on 07 03 02023 and paid the balance of 172.31 in full. American has closed the account.
Initial Complaint
06/05/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with AMERICAN ADJUSTMENT BU and do not have a contract with ****** ***** *********. They do not provide me with the original application like I asked.
Business response
06/06/2023
American Adjustment Bureau was provided, by client/provider ****** ***** *********, itemizations to validate services rendered and outstanding balances owed. They have been mailed to patient. I am unsure what application complainant references but American is willing to check further into said application if detail is provided. Additionally, American will promptly request deletion from credit bureau upon payment in full. Also, a credit bureau close letter referencing entries will also be provided for immediate perusal upon payment Please contact American for payment *** *** ****
Customer response
06/06/2023

Complaint: ********

I am rejecting this response because: I have no idea on who this is, and I have no contract with this company! This company is furnishing Fraudulent information on my credit report.

Sincerely,

****** *********
Initial Complaint
03/13/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Account has been paid in full and no medical collection should appear on my credit report
Business response
03/13/2023
The original balance referred to American on 08 21 2022 was 540.86. The complainant paid 1 $100.00 payment on 09 19 2022. We have a remaining balance owed of 440.86. According to ******* ******** the same balance owed is $440.86.
If this balance has been paid, please provide proof and we will research further.
Customer response
03/13/2023

Complaint: ********

I am rejecting this response because: Account is Paid in full and needs to be removed from my account.

Sincerely,

******* *********
Business response
03/14/2023
The payment was just processed American's website and posted today. You did not advise in your complaint that it was a new and recent payment. We checked with our client to see if they had been paid and they advised no. It takes a few days for processing and posting. I have removed from the credit bureau and we will send you a credit bureau close letter out in today's mail.

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