This article was written by Lemberg Law staff, and reviewed by Sergei Lemberg, the managing attorney of Lemberg Law.
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Tulsa Adjustment Bureau or TAB Services is a third-party debt collection agency based Oklahoma that specializes in collecting delinquencies for healthcare providers. TAB has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and using false or misleading language in an effort to collect a debt. If you have been contacted by Tulsa Adjustment Bureau, make sure you understand your rights before responding.
According to the BBB, Tulsa Adjustment Bureau, Inc. was founded in 1963 and incorporated in 1964. The BBB established TAB’s profile page in 1968. TAB is listed as a collection agency that uses the alternate business name, TAB Services. Buzzfile estimates TAB’s annual revenue at $4.5 million and the size of its headquarters staff at 50 employees.
According to its website, Tulsa Adjustment Bureau’s vision is to “serve the collection needs of Oklahoma’s medical providers and create a standard of excellence recognized in the collection industry.” TAB “provides the most effective, high quality collections serving the needs of the medical, retail, and commercial markets” and keeps up with “the ever-changing collections industry” while maintaining “the fundamentals of professionalism, results, and a people-centered perspective.”
Tulsa Adjustment Bureau considers its collections process to be “an extension of … their clients’ patient or customer care.” TAB offers “complimentary in-house training to the client, so both TAB… and the client succeed by realizing efficiencies in personnel, increased collection rates, and ultimately increased revenue and cash flow.” The collections process begins “by contacting TAB… to schedule an appointment.” Once the setup process is complete, TAB “begins the collection process as early as the next business day.”
Tulsa Adjustment Bureau employs a “litigation division…to ensure that…staff members are well versed in the legal options available to…clients, should the need arise.” TAB’s collectors “receive comprehensive training on the FDCPA and HIPAA and complete any related testing before beginning collection activities.” In addition, TAB employees receive “training… through area educational institutions and American Collectors Association (ACA) seminars.”
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Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 23 complaints against Tulsa Adjustment Bureau in the preceding three years, with 9 complaints closed in the past 12 months. The majority of those complaints allege problems with billing and collections, although several complaints also allege problems with customer service. As of April 2016, the Consumer Financial Protection Bureau (CFPB) has closed 9 complaints against TAB. Justia lists at least 7 cases of civil litigation involving TAB Services.
Absolutely. You can sue a debt collector. Here are some Sample Complaints
Complaints against Tulsa Adjustment Bureau commonly cite problems resulting from discrepancies in billing and reports to the credit reporting agencies. In August 2017, a complainant indicated she had discovered a discrepancy of $155.00 for an item that had been reported on her credit report by Tulsa Adjustment Bureau. When she contacted them to find out with which hospital the charge originated, the representative would not provide any information, telling the complainant she had sent two letters and would not send a third. The complainant indicated she had contacted both of the hospitals and the billing department of the medical service provider in the city where she lived, and all of them had confirmed that she did not have an outstanding balance. She indicated she had coverage with an indigenous insurance company, so the account should not have been turned over to collections. She indicated that she always pays her bills on time and has excellent credit, and that she should not be held accountable for the hospital’s billing error.
In response, Tulsa Adjustment Bureau indicated that her primary insurance had already paid a portion of the cost and advised her to contact the indigenous insurance company providing secondary coverage and “have them call us or for her to give us her referral or purchase order number for this claim.” The TAB representative explained that there is a distinction between the billing services of the hospital and the billing services of the emergency room, and that they had reported the delinquency because the complainant had not asked her secondary insurance to provide the purchase order number or…referral…for this claim.” The representative suggested setting up a 3-way call with the complainant and her insurance company to make a determination about whether they will accept the claim. The complainant rejected the attempted resolution, insisting that the billing errors of healthcare providers were not her responsibility. She also provided information about her extensive education and experience in healthcare and insurance billing and indicated she was enrolled in nursing school; thus, she knew that what the representative was attempting to do was not standard procedure. She insisted that the TAB representatives had “been very rude and disrespectful in a childish manner,” so she would not speak with them again. However, she also insisted that Tulsa Adjustment Bureau had the burden of ensuring the insurance paperwork was in order prior to reporting items to the credit reporting agencies.
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue TAB Services for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
You may have a case, if…
- 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 family, 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
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