Bonneville Collections or BBC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
December 11, 2020
What is Bonneville Collections?
Bonneville Collections or also known as BBC, Bonneville, Bonneville Billing and Collections Inc. is a third-party debt collection agency based in Utah. Bonneville has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using prohibited communication tactics and failing to provide verification of debts. If BBC has contacted you about past due financial obligations, make sure you understand your rights before taking action.
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Is Bonneville Collections a scam?
They’re legit. According to the Better Business Bureau (BBB), Bonneville Billing and Collections, Inc.was founded and incorporated in 1980. The BBB also established a profile page for BBC in 1980. The BBB lists Bonneville Billing and Collections as a collection agency that uses the alternate business name, Bonneville Collections. Buzzfile estimates Bonneville Billing and Collections’ annual revenue at $9.4 million and the size of its headquarters staff at 80 employees, with an estimated 130 total employees across all locations.
According to its website, BBC “is a professional debt recovery firm…that uses the latest software for payment processing and collections management.” BBC states that they are “reliable and work with integrity…using a… team equipped with the best debt recovery information systems to maintain… a client recovery rate that’s unparalleled in the industry.”
Who does Bonneville Collections collect for?
Bonneville Collections maintains more than 5,000 active clients at any given time and collects debts for a variety of businesses and industries, including medical and healthcare service providers; grocery stores; municipal government agencies; convenience stores; consumer retail outlets; utility service providers; and restaurants. BBC also collects delinquencies for commercial business-to-business accounts.
BBC states that “third-party collections is what they are great at.” BBC designs customized collection strategies for all their clients. In addition, BBC “provides check services for point-of-sale check acceptance and returned check recovery,” collects unpaid balances, and provides resale and service for hardware. BBC offers accounts receivable management services “prior to collections, which are handled within a pre-collect and self-pay model. Self-pay and post-insurance balances are managed from start to finish before the collections strategy begins.” BBC’s legal resources division provides referral of “delinquent accounts to attorneys who are highly skilled and very successful in legal collection procedures.”
Bonneville Collections states that it is “the only agency in Utah to achieve the American Collectors Association’s PPMS certification and complete a successful Service Organization Compliance SSAE 16 audit,” making them “more than qualified to handle client receivables.” However, the BBC website does not provide any links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
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.
How many complaints are there against Bonneville Collections?
As of December 2019, the BBB has closed 39 complaints against Bonneville Collections in the preceding 3 years, with 13 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although several complaints also cited problems with customer service. As of August 2013, the Consumer Financial Protection Bureau (CFPB) has closed 193 complaints involving BBC. Justia lists at least 7 cases of civil litigation involving BBC.
Bonneville Billing and Collections 6026 S. Fashion Point Drive South Ogden, UT 84403 Phone Number: 801-621-7880 Website: http://www.bonncoll.com/
Can Bonneville Collections Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Bonneville 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!
Complaints against Bonneville Collections cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In September 2019, a complainant stated that he had received notification from BBC that a bill he owed had been assigned to them for collection. Two months prior to the complaint, he had been “served a notice that BBC was…seeking a judgement against him for payment of this bill.” According to the complainant, he “called the company and asked how he could avoid this situation from involving the court system.” Allegedly, the Bonneville Collections representative he “spoke with was very polite and said that he could easily avoid that by setting up a payment arrangement, which is what he did.” The complainant considered the matter settled, and “thought no further of it, since the payment was scheduled to go out of his bank account.” Subsequently, he “received a few calls from BBC with no details, so he did not think it was urgent that he call them back, and waited until” the day the payment was scheduled to be debited “to find out why they contacted him.” At that time, he contacted BBC and “was told… by the woman on the phone, that the payment arrangement was invalid and that BBC had… already proceeded to judgement. When the complainant asked why and questioned why… this information contradicted what he had previously been told by a different company representative,” the BBC representative he was speaking with told him that she was the receptionist and was new, “so she was not authorized to give customers that kind of information.”The complainant protested that her response was unfair, and he was told “that it was his responsibility to see that the amount was taken out of his account.” He said that BBC “never apologized or admitted that it was unfair or inappropriate or anything.” The complainant became “frustrated because this delinquency will now appear on his credit report, but each time he sought …more information, he was told that he was at fault.” As a result, he said that he would “prefer to stop discussing it and would just like to make a payment, but that he wanted the receptionist’s name so he could file a complaint.” He became frustrated again “when the representative …sought to chastise him and claim he was at fault, and tell him that if he continued to speak to her in such a manner … that he would be responsible for the entire amount right away.” The complainant “felt this amounted to a threat, and because he believes that that is illegal for bill collectors to do, he simply hung up.”
In response, Bonneville Collections apologized for the conduct of the BBC representatives the complainant had encountered. BBC stated that “the employee who setup the arrangement was new, and an error was made.” BBC promised to “waive all court fees and set aside the judgment and request deletion of the item from the credit bureaus to allow the complainant the opportunity to pay the balance owed.” BBC also promised to “provide… a copy of the order setting aside the judgment once received from the court.”
Bonneville Collections Calling You?
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 Bonneville 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.
Consumers have reported this agency harassing them from the following numbers:
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”
“Thank you . Should I confront difficulties in the future, I won’t be afraid to contact you or recommend your services to others.”
“Thank you for your help in bringing this case to an amicable close. You were quick, efficient, and so professional. The last time I needed to have a lawyer for a civil issue, it wasn’t a pleasant experience, so I enjoyed you! I will certainly refer your name if I be requested”
Can You Help Me Delete Bonneville Collections from My Credit Report?
The brief answer is yes.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.