Bonneville Billing and Collections

2018-08-07

Leeton, UT

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have no idea who or what this {$180.00} is for. Not mine
Company Response: Closed with explanation

Timely Response

2018-07-18

Leeton, UT

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, I received a notice from Bonneville Collections stating they were representing XXXX XXXX XXXX on a debt owed in the amount of {$5100.00} and that I had 30 days to dispute it. I sent Bonneville Collections a letter on XX/XX/XXXX disputing this debt they purchased from XXXX XXXX XXXX. I don't owe this debt and have been disputing this debt directly with Mr. XXXX XXXX - the owner of this lawfirm since XX/XX/XXXX. Mr. XXXX XXXX acknowledge my dispute via email on or around XX/XX/XXXX and apologized for the way I was treated by his law firm, but then all correspondence with him ceased - even though I attempted on numerous times to get him to get this settled with his accounting department - which he failed to do. I also sent them proof regarding the fact that I had been disputing this debt since XX/XX/XXXX and sent them copies of my correspondence to XXXX XXXX and his accounting department too. Bonneville Collections NEVER responded back. On XX/XX/XXXX, I called to try to handle an outstanding medical debt in the amount of {$180.00}. It was at this time that XXXX advised that my account with them had an outstanding balance of {$5800.00} stating that the remainder of this outstanding collection was for monies owed to XXXX XXXX XXXX. I informed them that I don't owe XXXX XXXX XXXX anything and that Mr. XXXX XXXX is fully aware of breach of contract I had with their law firm too. I questioned them about the invoice I received from them dated XX/XX/XXXX wherein they fail to notify me who this debt is for and instead say " Referred by : Your Creditors. '' XXXX stated that they could report this outstanding debt because they had a contract wherein I signed stating I would pay XXXX XXXX XXXX for their services. This is accurate, but I also fired XXXX XXXX XXXX because they failed to hold up to their commitment of our contract ( breached contract ) and I had to go elsewhere to get the assistance me and my XXXX XXXX XXXX XXXX sons were needing/seeking with regards to our Temporary Restraining Order and Custody Case.
Company Response: Closed with explanation

Timely Response

2018-07-07

Cataldo, ID

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-20

CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: This account originally belonged to XXXX XXXX and was bought by Bonneville Collections. According to XXXX the first delinquency occurred in XX/XX/XXXX therefore this account should have been removed from my credit file in XXXX of of XX/XX/XXXX. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. A written acknowledgement or new promise signed by the debtor is sufficient evidence to cause the relevant statute of limitations to begin running anew. Any payment of principal or interest is equivalent to a new promise in writing to pay the residue of the debt. ''
Company Response: Closed with explanation

Timely Response

2018-06-20

CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: This complaint is an update to a complaint I filed recently again Bonneville Collections on behalf of XXXX XXXX XXXX. I forgot to mention that this debt is reported as " educational '' but in fact it was for rent at the student apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but Bonneville Collections has since purchased the debt, inflated it by thousands of dollars and reaged it.
Company Response: Closed with explanation

Timely Response

2018-06-20

Morongo Valley, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: Bonneville Collections has a collections account posted to my credit file. This account originally belonged to XXXX XXXX and was first reported as delinquent in the amount of {$120.00} on XX/XX/2013 therefore it is no longer reportable and should have been removed last XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-18

Salton City, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-06-01

Maywood Park, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-05-29

Glendale, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-05-14

Boise, ID

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Not sure if I am contacting the correct place. Several years ago we had to file for bankruptcy. Almost 7 years ago and it still plagues me with my credit as a result. Why was my bankruptcy special? Because of medical issues - XXXX XXXX and XXXX. Then another XXXX XXXX followed by a XXXX XXXX. Since our bill could never been paid in my life we filed bankruptcy. There was NOT ONE of the bills was due to our money management and no creditors other than medical was reported. All our bills were current so nothing to write off except medical. The records will bear this out. Just applied to XXXX for a credit card and my bankruptcy was a declining factor. Then there is XXXX or a collection agency - like XXXX? For over a year I had paid them monthly and then I received a collection notice. Why? My records showed up as paid in full. After months of complaining that their records were incorrect and to stop having the collection agency disturb us. It was not resolved until my wife took my records and confronted them wanting to know where these payments went? The end of the story is that their bookeeping had been applying my payments to someone else account. Now I was upset because we wanted to buy a home and their reporting prevented it. XXXX XXXX sent me a letter of apology and told the collection company to quit reporting, that it was a mistake. For some unknown reason they have been reporting this for years incorrectly. Both of these are not reflecting properly and the reporting credit agency needs to fix XXXX mistake. Seems I heard that when a debt is turned over to a collection agency wrongfully they are required to fix it. Why am I complaining about this now? My credit should not have any issues when this is fixed and at XXXX years old I want to see my credit score adjusted properly before I am gone. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-04-18

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2018-04-05

Echo Park, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-21

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-16

Durham, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-13

Leeton, UT

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: On XXXX XXXX XXXX and XXXX XXXX received a summons for a debt from XXXX XXXX XXXX XXXX. Represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. for a medical bill owed to XXXX XXXX srv. for XXXX. This medical bill was exclusively for XXXX XXXX and was paid by insurance Blue Cross of Utah regence. This medical bill for XXXX XXXX was not a family expence and XXXX XXXX is in no way liable for a personal medical expense per ut code XXXX. XXXX XXXX never recieved and medical treatment, prescription or any other services from original debter and should not be held responsible for any debt allegedly owed.
Company Response: Closed with explanation

Timely Response

2018-02-20

Annis, ID

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I received a bill in the mail for {$120.00} from XXXX XXXX Account number XXXX. I called to pay the debt. They told me there was another debt of {$550.00} attached that i was going to be served on. I called back to speak with XXXX, she informed me that even though I had not yet been served I would now need to pay {$1000.00} for legal fees and filing fees. I called back on payday to pay the debt ... I STILL HAD NOT BEEN SERVED. XXXX, whom I spoke with said the total owing was {$550.00}. I asked her if I needed to pay the {$1000.00}. She asked me if I had been served. I told her no. She then told me I would only need to pay {$550.00} to settle the debt. That is exactly what I did. I received a call XX/XX/2018 from XXXX, who was extremely rude and said I still owed the remaining balance. I informed her that I have yet to be served and XXXX told me I did not need to pay the difference {$1000.00} minus the {$550.00} because I had not yet been served. She could go back and listen to the recorded phone call because I specifically asked if that needed to be paid, I had the money in hand and she told me no. XXXX, said she would go back and listen to the call but I was still liable for the debt. I want to know my rights and if this is true?
Company Response: Closed with explanation

Timely Response

2018-02-15

Leeton, UT

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-02-10

Vicksburg, MI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-02-06

Vancouver, WA

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: My medical bill is actually from federal workmens comp personal injury with XXXX XXXX So the collector sued me and my husband but we never got the summon. I had to go down to clerk downtown and get copies of of declaration of service and funny they said we my husb and i accepted its XX/XX/2016 at XXXX XXXX.. a Monday.. well only the dogs are home at that time of day. also its my debt. For my personal injury. Why are they suing my husband. I have insurance with VA. And we also have his. I sign the paper that i will be responsible for the bill. Also, the same bill is Also being mitigated in superior court for XXXX. It has been there for a while. So in the end the collectors will get 2 payments! They wont work with me either to pay it off.. and since i am XXXX XXXX XXXX cuz of my XXXX from the service. This XXXX started yelling at me and calling me rude and he said he will flag all my calls because i am just wasting their time.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-01-25

Leeton, UT

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-01-11

Leeton, UT

Took or threatened to take negative or legal action

Debt collection: Medical debt

Sued you without properly notifying you of lawsuit
Complaint: I got a letter from XXXX XXXX XXXX for a debt that I owe for some medical treatments I had done. That I thought my insurance was taking care of, but I had n't met my deductible, so they were n't. I did n't have a job, or a phone, and did n't receive phone calls from the manager. She did call family members and asked if they could get a hold of me, when they asked what for, she was rude with them and would n't tell them, just left a number. I did try to call back at the number she left and each attempt went to voicemail and I was unsure what she was calling about so I did not leave a message. Cut forward to XXXX XXXX. I receive a letter that said I had 7 days to pay the balance in full of {$210.00}. The letter is dated XXXX XXXX, I live in the same area, so there 's no reason it took a week to receive it. I assume it 's because Bonneville failed to put it in the mail that day, I wish I had the envelope still to see when the exact postage mark was. I called the day I received the letter at 11:44 am. I asked if I could have an extension until XXXX XXXX to pay the amount in full. The person I spoke with said that would be fine. Right before ending the call she said, " do you still work for ( previous employer. ) '' I replied that I do not. She asked for my current employer information and I said I did n't feel comfortable giving her that information because I did n't want my employer to receive harassing phone calls from their company, like my parents have. She said she needed that information to make a payment arrangement, and I said, well I wo n't give you that information because I do n't feel as though it 's needed. She said, " okay that 's fine, I 'll give this account over to my attorneys office today, goodbye. '' I feel as though she was threatening and rude. Today I got served a summons from their attorney. In which the attorney office said that they needed the information of my employer to set up a payment arrangement, in case I did n't make the payment and a lot farther out if they needed that information to garnish my wages. Which would have taken months. This information was not explained by the Bonneville representative, only by their attorney office that I know owe almost {$500.00} to.
Company Response: Closed with explanation

Timely Response

2017-12-31

VA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,
Company Response: Closed with explanation

Timely Response

2017-12-14

ID

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I requested validation from Bonneville Collection via certified mail sent on XX/XX/XXXX for two medical collections appearing on my credit report. I did not receive validation response from them as the letters were returned to me as undelivered. Since I was unable to reach Bonneville I disputed the inaccurate item with the 3 credit bureaus. The inaccurate item deleted only from XXXX and continues to report on XXXX. I then sent another written letter via certified mail to the resident agent of their corporation as found in the public records ; he received my letter on XX/XX/XXXX and to date I have not heard back. This company is reporting an invalid address to reach them at and the Resident Agent is also not responding back. I have no other option but to request the support of the Consumer Financial Protection Bureau. I 've been attempting to resolve this situation since XXXX, nearly 6 months ago. Bonneville verified the debt to the credit bureau XXXX electronically but not to me. Alternatively, XXXX failed to process my dispute. Under both circumstances someone dropped the ball. They removed off one bureau XXXX XXXX but not the other. I request your support in the removal of the above inaccurate items that are listing on my XXXX credit report. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This furnisher has violated my rights to dispute this item and furthermore has continued collection activity without validation ; also violation of the FDCPA. They are required to verify the validity of the item within 30 days. If the validity can not be verified they are obligated by law to remove the item. I 'm enclosing the two certified tracking for the letters sent to the Resident Agent. Also the envelope of the Returned Validation ; the two certified tracking for the dispute with XXXX. Copies of two letters sent to the Resident Agent. The two dispute letters sent to XXXX. Copies of the two validation letters sent to Bonneville. 11 attachments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-08

Adair Village, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-05

Discovery Bay, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )
Company Response: Closed with explanation

Timely Response