Bonneville Billing and Collections

2017-09-29

Parkrose, OR

Incorrect information on your report

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

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-19

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I contacted collection agency and let them know it is not my debt clearly shows XXXX XXXX I have disputed this issue with the bureau and they have not budged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-08

Leeton, UT

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Worked with billing processor for 3 + months to resolve balance. XXXX sent by check from XXXX XXXX account which was not applied to correct account. Biller did not send claims to insurances based on coordination of benefits. Took all info into dental office to assist employee in billing claims properly. The {$1500.00} the insurance sent was received by dentist office but not applied to the correct account nor were the claims billed to primary, secondary and health savings account billed in the correct order based on insurance guidelines.
Company Response: Closed with explanation

Timely Response

2017-08-08

Idaho Falls, ID

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Contacted you after you asked them to stop
Complaint: Approximately two weeks ago, XXXX from Bonneville Collections XXXX XXXX office contacted me regarding medical collections. Without seeing anything in writing, I was hesitant to give her my payment information ( at the time she said it was approximately {$35.00} ). She stated a letter was already mailed to me. That may be, but I did n't have it in front of me or remember receiving it and asked it be sent out again. She refused saying it had already been done. She proceeded to raise her voice and talk over me and I requested again that the information be sent to me in writing and to not contact me by phone again. Today, X/X/2017, XXXX called me again, using my employer 's phone number, again requesting payment. This time for an amount exceeding {$1000.00}. I never received anything in the mail from Bonneville Collections after requesting it and was certainly confused as to how the amount could have changed so much without any new information being provided to me. So not only did she not comply with my request for written notification but she called me again using my employer 's phone number.
Company Response: Closed with explanation

Timely Response

2017-08-08

Sebring, FL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-07-18

Sacramento, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-07-14

Murray, UT

Communication tactics

Debt collection: Medical debt

Used obscene, profane, or other abusive language
Complaint: XXXX XXXX I noticed that I had and account on my credit report with Bonneville collections for XXXX XXXX in the amount of {$610.00}. so I called to make an arrangement of XXXX a week for 5 weeks to take care of it, the representative Hung up on me. I called back to make the same arrangement even though I was so irritated that I had just been hung up on. The second representative that I spoke with was more polite, and we set up the arrangement. We had ended the call and I realized I had n't given them my information to debit my account, so I called back. This experience was the worst, the representative verbally harassed me, belittled me and when I asked to speak to a supervisor, she refused, I told her that she was in violation of the FDCPA as she did not verify at all that I was the customer, and she was harassing me ( which I am familiar with, I do work in XXXX myself ) her exact words were " Oops, I recognized your voice I did n't need to verify that It was you '' I told her it did n't matter if she recognized my voice or not and that I wanted to speak to a manager and she responded by saying " Like I just said, you wont be talking to a supervisor right now '' I asked her if these calls were recorded, she said yes, and I said I would like to be placed on hold to speak to a manager. She transferred me to a manager immediately. <P/> I called back Wednesday to ask what they were going to do about the incident, they apologized and said that steps were being taken inside the company. <P/> I got a call from them Thursday expecting me to pay the same arrangement that I originally agreed upon before I was harassed. And I explained that I would n't pay that, I offered a settlement of {$230.00} and she asked what the reason was so they could submit that to the client and the client will either accept, deny, or counteroffer. I told her that the reason was because her company harassed me, broke the FDCPA guidelines, and verbally assaulted me, so that 's what she can tell the client. She responded that she would n't submit that, and that they can take off XXXX of the interest her company charged to the account. I told her that was n't good enough, she told me she would submit the offer to the client and that 's what I expected her to do. She said she was going to transfer me to a supervisors voicemail and she would get back to me. I left my name and phone number and I never got a call back.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-07-01

Bountiful, UT

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-06

Odell, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I requested debt validation/verification from Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on X/XX/2017 , my send request was received by registered mail on X/XX/2017 . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.
Company Response: Closed with explanation

Timely Response

2017-05-19

Leeton, UT

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX , 2017 A collection report was placed on my XXXX and XXXX report in the amount of {$310.00}.
Company Response: Closed with explanation

Timely Response

2017-05-19

Murray, UT

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I am attaching my DL and SS for Bonnville collection. I am appalled they say I am a " credit repair '' just because I CAN READ AND THE COLLECTION LAWS ARE IN BLACK AND WHITE IN ANY AMERICAN LIBRARY AND DEFINITELY ONLINE! I will give you ANOTHER letter I mailed and THEY REFUSED TO COMPLY OR RESPOND!!!!! I am taking the OBVIOUS WILFULL AND KNOWINGLY DISREGARD for COLLECTION AND CREDIT REPORTING LAWS > NOW SEE MY ATTORNEY!! XXXX XXXX XXXX SEE the case LETTER MAILED AND REFUSED TO RESPOND : Bonnville Collections has been disregarding my request for verification according to FCR A 623 and 611 on the account in which they currently have and report. I specifically requested and disputed to the cra 's the method of verification and want uploaded here to the cfpb as proof the complete payment history and CONTRACT for the account in which they are reporting. I requested the letter of assignment and PROOF they have legal right to collect, what the agreement between them and original creditor is ( also my legal right to have on any account reported on my name ) and proof of their collection license and in what states so I can contact their STATE agency. I also requested the FDCPA required letter of notification within 5 day s of r eporting or accepting a collection account. I ALSO request the FACT act letter of notification from the original creditor sent and received 30 days prior to EVER reporting a late or missed payment according to the FACT act. Bonnville Collection has disregarded all these request and responded with partial and incomplete verification and is lying to the reporting agencies and NOT providing ME the documentation that is legally required and my LEGAL right to have. I demand response and all documents be uploaded to the CFPB response so that I have evidence of their total disregard to abide by the FCRA and FDCPA and FACT act. Therefore warranting lawsuit and penalties per the FCRA. The original creditor must provide all documents and the collection agency according to the FDCPA must provide them to be within the law of credit reporting. This is complete and total violation of the FCRA credit reporting laws and will NOT be tolerated. I will use the response to present to the better business bureau and attorne y Generals Office and the FTC as PROOF this company is reporting to the credit reporting agencies illegally and willfully doing so and will be fined accordingly. Cease and desist was ABSOLUTELY mailed and now a BBB complaint will be filed for even MORE proof this agency is in TOTAL violation of collection laws. THE CFPB filed and response will be used as PROOF even in a Consumer Financial Protection Bureau that this bonnville agency in Utah is being told CEASE and DESIST which inclu de ALL calls, emails, letters and reporting to credit reproters and is REFUSING. I will gladly seek with the help of my attorneys the {$3500.00} PER VIOLATION according to FCRA 616, 617, 621. Go ahead and read those. I am a human and my righ ts are being violated and I will seek every way possible including contacting your state collection regulator to PROVE you are NOT in compliance to collection laws OR credit reporting laws PER FCRA. Go ahead and think you can blow me off and act like if anyone knows anything about ILLEGAL reporting and collection that you can STALL by saying it is credit repair. YOU WILL LOSE IN COURT AND I WILL PERSONALLY SEE TO IT. By the way you will be receiving a call from my attorney and faxes PROVING I have told you both ON the PHONE, BY MAIL and BY FAX. Then cry some pathetic excuse to CONTINUE to break the law!!!!! Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-18

Salt Lake City, UT

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-05-13

Portland, OR

Took or threatened to take negative or legal action

Debt collection: Medical debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: On XXXX XXXX , XXXX in the evening, a collector came to my parent 's address in XXXX Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.
Company Response: Closed with explanation

Timely Response

2017-05-12

Leeton, UT

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: XXXX Have requested several times to be provided with a Statement for this debt, I have requested and they have assured me that they will be mailing a statement for my records that w ay I may know ( in writing ) the tot al owing and the payment plan prepared ( again in writing ). Both times the agents have assured me they will mailed and I have confirmed that they have the right address. Both times the agents have pushed for me to make a payment and even increase the payment amount with the assurance that they will mail me a statement but they receive my payment and dont send me any statements or debt information. Each time I have made a request the agents have mentioned that they will provide a statement but they circle back to payment arrangements.
Company Response: Closed with explanation

Timely Response

2017-05-04

Plymouth, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: This complaint is against the company " Bonneville Collections ''. They are currently reporting two u npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. The first account has an account number of XXXX and a balance of {$290.00}. The second account has an account number of XXXX and a balance of {$200.00}. They were both reportedly opened in XXXX XXXX . I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Company Response: Closed with explanation

Timely Response

2017-04-24

Eagle Rock, ID

Took or threatened to take negative or legal action

Debt collection: Medical debt

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response

2017-04-24

AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On X/XX/17 I submitted a complaint CFPB # XXXX in which I disputed the validity of the debt with the original creditor XXXX XXXX . XXXX XXXX failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my XXXX and XXXX credit reports. Please immediately delete this item related to XXXX XXXX from my credit repo rt ( s ). T hank you for your attention to this urgent matter.
Company Response: Closed with explanation

Timely Response

2017-04-14

Grand View, ID

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-14

Leeton, UT

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Complaint: Bonneville contacted me by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had agreed to set up payment IF I received information regarding the debt for my record keeping purposes and I did send in one payment in XX/XX/XXXX before I received any information. AS of today, I have not received any mail notifications, and I have been on the lookout for them. I spoke with Bonneville today and again requested a copy of a statement but the agent continue to steer the conversation to making payment arrangements, which I believe is unfair. You have stated that the notices have been mailed but I receive mail every day and there is nothing from Bonneville. Provided address to agent in XX/XX/XXXX and as of XX/XX/2017. The agent kept steering me to set a payment and even told me that now that I am behind the monthly total is raised {$3.00} more dollars. I kept steering back to getting a copy of a statement. This is needed for me to know where the initial total is so when payments are made I can calculate owing.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Dallas, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Diamond Valley, UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-30

Belmont Heights, UT

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-28

Syracuse, UT

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2017-03-14

Anaheim, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

UT

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: My name is XXXX. I had a few cases open with Bonneville Colletions in XXXX. I have been paying payments to them for around XXXX months. I finally have my credit repaired to the point my bank said they would loan me the money via signature loan for the pay off amount of XXXX dollars that I had discussed with the woman working my case 's my wife and myself both had case 's with them. After me asking repeatedly " are you sure these are all of my case 's '' and her assuring me that that was all of them I signed for my loan and my bank sent a check for the XXXX dollar sum. The check was received by Bonneville Collections on XX/XX/XXXX and on the very same day I received a call from XXXX requesting a payment from me. I then notified her of the settlement and that they would have a check there in the amount of XXXX dollars. I was then informed by her that the settlement was not with " her department '' and that they did not honor the agreement or any of the case 's that she was working on. I repeatedly asked to make sure all of my case 's were accounted for and also that I would no longer owe Bonneville Collections from the date they received the check in the pay off sum of XXXX dollars, to that they answered all were accounted for and I would no longer be indebted to them. I have a fax from them as notice to the pay off amount dated XX/XX/2017.
Company Response: Closed with explanation

Disputed: No Timely Response