Bonneville Billing and Collections

2017-02-21

San Diego, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I have disputed my debts several times with no resolution. i have submitted paperwork, affidavits and police reports. I need resolution on this as these accounts are fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Anchorage, UT

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-07

Murray, UT

Forbearance / Workout plans

Credit card:

Complaint: I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. I was referred to a company by the name of Bonneville Collections. Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. BC, I intend to work with you to settle this account as soon as possible. I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Roberts, ID

Taking/threatening an illegal action

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

Sued w/o proper notification of suit
Complaint: I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. I feel that this has been very wrongfully dealt with.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-24

Archer, ID

Improper contact or sharing of info

Debt collection: Medical

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-22

Millcreek, UT

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-22

Milwaukie, OR

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-20

Pocatello, ID

Taking/threatening an illegal action

Debt collection: I do not know

Attempted to/Collected exempt funds
Complaint: Included in bankruptcy which was dismissed on XXXX XXXX Belongs to bank
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-20

Salt Lake City, UT

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-15

Aurora, UT

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-14

Leeton, UT

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I am concerned about the collection attempts of an alleged owing balance. Over the last few months I have received numerous calls from XXXX XXXX about an owing balance on an account that I 'm not familiar with. As I do with all unfamiliar collection attempts, I asked her to send me the information so I can review and verify. On more than XXXX call, I provided her my employment address as follows ; XXXX XXXX XXXX XXXX XXXX. XXXX, UT XXXX XXXX XXXX I have still not received any information around this " collection '' and in my last conversation was told that I can come pick up the information but you will not mail it. That is very concerning. I am happy to review the claim, but I ask again that you mail me the information as requested to the above address. Thank you for your assistance with this matter and I wait for your information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-11-21

Bakersfield, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am in collections for a utility in a city and state that I have never lived. The collections agency said I had to call the police and report identity theft. I called the XXXX Police and they said since it is XXXX account and not total identity theft it is most likely an error. I have disputed the debt multiple time with the collector and with the credit agencies but each time the debt collector reaffirms that this is my debt. I have never lived anywhere near XXXX Idaho, where the original creditor says the account was opened. I asked for proof of identification that was used to satisfy opening the original account and no one can provide me with any of those details. This is not my debt and it is damaging my credit as it is the only negative item I have.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

WA

False statements or representation

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

Attempted to collect wrong amount
Complaint: this company ( Bonneville Collections ) has failed on multiple levels on the validation of this debt. I have the letters stating the amounts owed are between $ XXXX-XXXX in interest alone every time i 've gotten correspondence from them. Original amount is {$240.00} per original creditor yet they claim its $ XXXX-XXXX??? thats THEIR fees and charges. What gives them any lawful right to do this? .. violation of fdcpa 808 ( 1 ) since i NEVER HAD A contract with the original creditor, so how can they legally do this?. i also have credit reports from XXXX and XXXX for the same dispute cycle stating different amounts owed. How is this possible if their supposedly '' verified!? '' remember all account info is supplied by Data Furnishers per FCRA 623 NOT the Bureaus responsibility. Also the account they have been claiming was from the original creditor is wrong! as i have the original creditor own statement and account number is XXXX digits off.How is it then Validated?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Watkins, CO

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

2016-09-29

Bremen, GA

Improper contact or sharing of info

Debt collection: I do not know

Contacted employer after asked not to
Complaint: I was on vacation today and received an email from a co-worker I do n't know. XXXX XXXX from Bonneville Collections contacted my employer and identified herself as a collector to a co-worker. I received an email with the message, including XXXX XXXX from Bonneville Collections called XXXX. It 's extremely embarrassing because I do n't even know if this is a valid collection attempt as I 've never heard of them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Portland, OR

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-08-27

Manchester, NH

Improper contact or sharing of info

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

Contacted me instead of my attorney
Complaint: None of the above actions properly stated my issue, although I was forced to choose one. I chose, '' contacted me instead of my attorney '' but that is n't the issue. New Hampshire state law does not permit debt collectors to leave messages. a debt collector from Bonneville Collections left a voicemail for me on my cell phone in early XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Boston, MA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a XXXX account which I requested be closed when I moved to XXXX XXXX XXXX XXXX XXXX, XXXX. The account was not closed and whoever lived there used my name to receive services from XXXX XXXX and it went to collections. I moved back to my home of XXXX in 2010 ( about 4 or 5 months after moving to XXXX, XXXX to stay with a friend while I prepared to move back to XXXX ). I have tried to get the account removed from my credit report and XXXX is claiming they verified the debt. I do not know how that is possible given the circumstances I already explained. I want Bonneville Collections to remove this incorrect debt information from my credit report. Can you help me please?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-28

Beaverton, OR

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-20

Portland, OR

Communication tactics

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

Frequent or repeated calls
Complaint: Bonneville Collections for a {$260.00} XXXX bill. Agreed to make XXXX payments XXXX in XXXX 2016 and the next in XXXX 2016. Made first payment of {$110.00} on XXXX/XXXX/16. Received a voicemail on XXXX/XXXX/2016 at XXXX. Returned phone call at XXXX on on XXXX/XXXX/16. Talked to a representive named XXXX. XXXX did not know why the collections company contacted me than demanded when will I be making a payment. I informed him that I just made my first payment a week ago. XXXX continues to ask me when will I make another payment. I let him know that this is harrassment to call and demand money when I just made a payment only a week ago.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Toppenish, WA

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Complaint: I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-06

Bozeman, MT

Improper contact or sharing of info

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

Contacted employer after asked not to
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-16

Border Hill, NM

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-13

Quartzsite, AZ

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response