|On July 22, 2005, I terminated an account with Sprint PCS. This account had an outstanding balance of $150, and Sprint kept billing me for $269. While I was trying to work it out directly with Sprint, I saw that Diversified Adjustment Services had already placed it as a collections account on my credit report although I had never received a collection notice from them as required by Federal Law.|
Two weeks after I learned of the credit report, I received my FIRST collection notice, and the amount was incorrect. I then began receiving multiple calls each day (they cannot, by law, call more than once a day) in a very offensive, "talking down to" nature from Diversified.
I sent them a letter stating that they were not to make telephonic contact, and that I would be happy to pay the CORRECT amount if they could verify it. The certified letter was received, the calls continued, and I received a phony computer generated billing statement, not original aging reports.
I sent a second certified letter again requiring the calls stop under the Fair Debt Collection Practices Act, and requesting an authentic aging report. I never got a response.
July 7, 2006, the calls began again and the reps calling me had no knowledge of our previous correspondence although I had signed, certified receipts. I again repeated my offer to pay the correct amount, if they could verify it. They never responded.
I have sent multiple letters, e-mails and left messages with this offer and nobody ever responds. Yet the information remains on my credit report and they refuse to remove it.
The evidence suggests that Diversified Adjustment Service is very poorly managed and the employees are very lazy, with a very poor work ethic. Who ever heard of a collection agency not responding to an offer of money?
This afternoon, I filed a lawsuit against Diversified for multiple violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am not lawsuit happy; they simply left me no choice.
I strongly urge all creditors with outstanding debts to avoid Diversified Adjustment Services like the plague! They simply don't follow through, and they only follow one law -- the law of minimum effort.