Debt collection -- Written notification about debt -- Complaint #14561372
Complaint Overview
Complaint ID: 14561372
Company: Knight Adjustment Bureau
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 95667
Date Received: 2025-07-09T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX is attempting to collect payment for alleged property damage related to a minors stay at their residential treatment facility in XX/XX/year>. Despite multiple written requests submitted over the past several months, the company has failed to provide any legally required verification of the debt, such as : A detailed, itemized list of charges, Receipts or third-party repair documentation, Identification of the original creditor, Any legal judgments or supporting records. The only document provided was a general summary with lump-sum amounts, which does not satisfy the requirements of the Fair Debt Collection Practices Act ( FDCPA ) or CFPB Regulation F. Alleged Violations Include : Failure to verify the debt after a timely written dispute, in violation of 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.34. Continuing collection activity after a formal dispute without providing required verification, in violation of 15 U.S.C. 1692e. Deceptive and misleading communication by implying the debt is valid and actionable without proper documentation. What I Want to Happen : Cease all collection activity until proper, itemized verification is provided, Enforce compliance with debt collection and consumer protection laws, Investigate the company 's practices for potential systemic violations, Pursue appropriate regulatory or enforcement action as necessary. Additional Notes : The company has been given ample opportunity to comply in good faith. Their refusal to follow the law has caused undue stress and potential harm. Supporting documentation and correspondence are available upon request.
Frequently Asked Questions
What is Complaint #14561372 about?
Complaint #14561372 was filed against Knight Adjustment Bureau regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-07-09T12:00:00-05:00.
How did Knight Adjustment Bureau respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Knight Adjustment Bureau?
Yes, visit the Knight Adjustment Bureau company profile at readthecomplaint.com/company/knight-adjustment-bureau to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.