JNR Adjustment Company , Inc is a third-party collection agency based in Minnesota. JR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. If you have been contacted by JNR Adjustment Company, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), JNR Adjustment Company, Inc. is a legitimate collection agency, founded in 1971 and incorporated in 1992. The BBB established JNR’s profile page in 1990. JNRis listed as a collection agency that uses the alternate business names, JNR Collection Adjustment Company, JNR Collection Agency, and Resource Management Systems. Buzzfile estimates JNR Adjustment Company’s annual revenue at $9.3 million and the size of its staff at 135 employees at all locations.
Unlike the websites of many third-party collection agencies, the JNR website does not provide a lot of detailed information about its business practices or areas of specialization. Instead, JNR dedicates several pages to a narrative history of their company and their beliefs.
According to its website, JNR’s success results from “creativity, innovation, new technology, and vision, coupled with a good dose of hard work and determination.” JNR was founded in 1970 before many of the federal laws regulating the collections industry were passed. JNR began as a one-man operation, with the founder “working from his apartment 46 years ago.” Subsequently, JNR “started to take root in the 80’s and sprang into full bloom by the mid-90’s.”
JNR Adjustment Company initially drew its clients from commercial accounts, but by 1990, they “began working for airlines, handling travel agency debit memos, and by 1998 JNR worked for nearly 50 airlines worldwide.” In 1995, JNR “formed an ‘NSF Check Recovery’ division that specializes in” collecting bad checks. By 1997, JNR was “working for most of the largest retailers, airlines, restaurants, and fast-food chains nationwide, becoming “one of the top 10 check recovery collection agencies in the United States” within 5 years. Changes in technology and corporate mergers have altered the landscape, and now JNR occupies state-of-the art facilities in Minnesota and Florida and uses the “latest in technology and data security.”
As for compliance, JNR Adjustment Company is a member of “ACA International (formerly known as the American Collectors’ Association) and the Commercial Law League of America (CLLA).” JNR Adjustment Company “prominently features those certifications on their home page so… site visitors know how dedicated and determined they are to doing things the right way.” JNR’s website does not include links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 13 complaints against JNR Adjustment Company in the past three years, with 1 closed in the previous 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problem with advertising and sales. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 13 complaints against JNR. Justia lists at least 3 cases of civil litigation involving JNR Adjustment Company.
JNR Adjustment Company, Inc.
3300 Fernbrook Lane North, Suite 225
Plymouth, MN 55447
Telephone: (800) 279-2567
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely JNR would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against JNR Adjustment Company commonly cite disputes about the validity of debts they are attempting to collect. In July 2016, a complainant indicated he had received a collection notice for $4,337.62 for “work that was done in Michigan because of damage caused at a property in Benton Harbor, MI.” The complainant indicated that he had never been to Michigan and had never caused any damage there. He allegedly tried contacting JNR twice but did not get a response. He also sent the collection letter back with a note explaining that there was another person with the same name in Michigan that they should be contacting, but again did not receive a response. The complainant indicated his belief that the attempt to collect was either “a scam or they have some terrible people researching their claims.” JNR finally responded to the complaint, indicating that they had contacted the complainant and “clarified the issues described in the complaint.”
In May 2016, a complainant indicated he had received a collection letter from JNR Adjustment Company for utility services in the amount of $544.76 provided to his neighbor due to damages resulting from “another neighbor reportedly seeing the complainant in his garden resetting a perimeter fence.” Allegedly, the complainant was being held responsible for “property damage…that was…caused by the complainant.” The complainant indicated his awareness “that there are…guidelines in place prior to excavating activities, and that those exact guidelines are what he followed when he originally put his garden in.” As a result, the complainant claimed not to be responsible for any of the charges. In its response, JNR Adjustment Company cited a lengthy explanation of North Dakota state laws concerning telephone lines, regulations about excavation, and liability laws. They also indicated that they accept collection notices “in matters of property damage claim investigation and recovery.” JNR stated that they “did not create this invoice, and that they are the second company retained to handle the matter.” Ultimately, due to the extremely complicated nature of the matter and the lack of any resolution among any of the interested parties with regard to liability, JNR Adjustment Company indicated they would “close the subject demand for reimbursement of repair expenses in the interest of preserving customer relations, and return the file…with a write-off recommendation; along with issuing a friendly reminder to always provide advance notice before conducting any excavation.”
JNR Adjustment Company also has received several complaints about its attempts to collect delinquent student loans form former students of Corinthian College, which declared bankruptcy after being investigated by the federal government and convicted of fraud. In one such complaint in March 2016, a former student who was locked out of the campus indicated he had received a letter from the original creditor forgiving the loans. After a lengthy explanation of their rationale for pursuing collection activity, JNR ultimately concluded that “after reviewing the complainant’s file, the creditor realized they assigned the subject account to JNR…for recovery in error. At the request of the creditor, JNR Adjustment Company closed the file and returned it to the creditor.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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