Diversified Adjustment Service contacts consumers about debts owed to businesses and lenders across multiple industries. The agency has collected over 77 complaints with the Better Business Bureau, according to BBB records. Consumers have alleged harassment and FDCPA violations, and federal lawsuits support those claims.
Key Takeaways
- Diversified Adjustment Service operates from 600 Coon Rapids Blvd. NW, Coon Rapids, MN 55433 and has collected debt for over 39 years.
- Federal court filings allege excessive calling, threatening language, and failure to validate debt, in violation of the FDCPA.
- Consumers have reported 7 or more calls per day, calls before 8 a.m. and after 9 p.m., and workplace contact after being told to stop.
- The FDCPA and TCPA govern how Diversified Adjustment Service may contact you and how often.
- Statutory damages under the FDCPA reach up to $1,000 per violation, with $500 to $1,500 available under the TCPA for unlawful calls.
- The Wood Firm PLLC reviews these cases on contingency, so a consultation carries no upfront cost.
Free Case Review: +1-844-638-1122
Who Is Diversified Adjustment Service?
Diversified Adjustment Service is a third-party debt collection agency based in Coon Rapids, Minnesota. The company has operated for over 39 years. It collects accounts for healthcare providers, financial services companies, and utility creditors and operates at diversifiedadjustment.com.
- Also Known As: Diversified Adj Svc, Diversified Adjustment, Diversified Adjustment Services
- Address: 600 Coon Rapids Blvd. NW, Coon Rapids, MN 55433
- Phone: 800-279-3733 | (800) 279-3733 | +1 800-279-3733 | 8002793733
- BBB Status: Over 77 complaints on record
Consumers seeing “Diversified Adj Svc” on a credit report or caller ID are dealing with this same agency. See related coverage of collection agencies in the United States and ARM Solutions harassment for comparison context.
What Phone Numbers Does Diversified Adjustment Service Use?
Diversified Adjustment Service contacts consumers primarily from its main 800 number. The agency may also use additional outbound numbers from its Coon Rapids office.
- Phone: 800-279-3733 | (800) 279-3733 | +1 800-279-3733 | 8002793733
If you receive repeated calls from this number, document each one with the date, time, and duration. That log becomes evidence if a violation claim is filed.
Why Is Diversified Adjustment Service Calling You?
Diversified Adjustment Service is calling you because a creditor assigned your unpaid account to the agency for collection. That creditor may be a medical provider, a lender, or a utility company. The agency may also have purchased your debt directly from the original creditor.
In our practice, we pull the original assignment or purchase agreement on every Diversified Adjustment file. A missing chain-of-title document can undermine the agency’s right to collect. That is the first record we examine for leverage.
What Tactics Does Diversified Adjustment Service Use?
Consumers have alleged the following conduct, which the FDCPA and TCPA prohibit.
- Seven or more calls per day, a volume courts have found may be excessive
- Calls placed before 8:00 a.m. or after 9:00 p.m.
- Threatening language, including threats of lawsuit, wage garnishment, or jail time
- Continuing to call a consumer’s workplace after being told to stop
- Refusing to provide written debt validation
See related coverage of debt collection harassment for additional FDCPA conduct patterns. According to consumer complaints, these allegations appear repeatedly in Diversified Adjustment Service reviews. Not every contact rises to a violation, but a documented pattern typically does.
Is Diversified Adjustment Service a Scam?
Diversified Adjustment Service is a real, licensed debt collection agency. Licensed status does not mean every tactic is legal. The company has reportedly received over 77 BBB complaints and faced multiple federal lawsuits alleging FDCPA violations.
Scammers may also impersonate the agency to pressure consumers into paying debts they don’t owe. In our practice, we verify the caller’s identity against Diversified Adjustment’s official contact details first. If a caller cannot confirm the original creditor in writing, request documentation before paying anything.
Is Diversified Adjustment Service Banned by the FTC?
No. Diversified Adjustment Service has not been banned by the FTC. The FTC has no public enforcement action on record against this agency. Private FDCPA litigation, CFPB complaints, and the Minnesota Attorney General’s consumer protection division are the active oversight channels.
Because no FTC ban exists, private litigation is where accountability has landed. The lawsuits below show the specific claims courts have reviewed against this agency.
Has Diversified Adjustment Service Been Sued?
Yes. Diversified Adjustment Service has been named in multiple federal lawsuits alleging FDCPA violations.
- Herring v. Diversified Adjustment Service Inc.: Alleged repeated calls to the plaintiff after requests to stop, amounting to harassment under the FDCPA.
- Adams v. Diversified Adjustment Service Inc.: Alleged threatening language and excessive calling to pressure the consumer into payment.
When we open a Diversified Adjustment file, we compare the client’s call log against prior litigation patterns. A log that mirrors the Herring or Adams conduct often signals viable FDCPA claims.
What Are Your Rights Against Diversified Adjustment Service?
The FDCPA prohibits harassment, threats, and deceptive collection practices. Once Diversified Adjustment Service contacts you, these rights apply immediately.
- Request written validation proving the debt is valid and that you owe it.
- Send a written cease-contact request; after receipt, the agency may only confirm cessation or notify you of legal action.
- Pursue statutory damages up to $1,000 plus legal fees for proven FDCPA violations.
- Dispute any inaccurate Diversified Adjustment entry on your credit report under the FCRA.
If calls continue after a written cease request, each later call may count as a separate FDCPA violation. See the FTC’s debt collection FAQ for a plain-language overview of these protections.
Does Diversified Adjustment Service Show Up on Credit Reports?
Yes. Diversified Adjustment Service can report unpaid accounts to the major credit bureaus. That reporting must comply with the FCRA. A disputed entry may be actionable under the FCRA and reportable to the CFPB.
Who Does Diversified Adjustment Service Collect For?
Diversified Adjustment Service collects on accounts for healthcare providers, financial services companies, and utility creditors. If a hospital, lender, or utility placed your account, that is why they are calling. See related coverage of Comenity Bank debt collector harassment for how creditor-placed collection works in practice.
In our practice, we always request the original creditor’s name and account number on every Diversified Adjustment file. Collectors that cannot produce this within the FDCPA’s validation window may lack standing to collect on that account.
How The Wood Firm PLLC Helps Stop Diversified Adjustment Service Harassment
When a client’s Diversified Adjustment file shows repeated same-day calls, we pull the call log first. We compare timestamps against the FDCPA’s permissible-hours and frequency standards. A documented pattern often gives us everything needed to build the claim.
We also examine any threatening debt collector communications for language the FDCPA expressly prohibits.
We take these cases on contingency. You pay nothing unless we recover compensation. If Diversified Adjustment violated federal law, the company pays our fees, not you.
Our firm represents consumers exclusively, never creditors or agencies. Reach us at +1-844-638-1122.
Facing repeated calls or threats from Diversified Adjustment Service? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these on contingency: if Diversified Adjustment violated federal law, they pay our fees.
Frequently Asked Questions
Is Diversified Adjustment Service a scam?
No. Diversified Adjustment Service is a licensed debt collection agency with over 39 years of operation. Some of its reported tactics may still violate the FDCPA. Verify any contact before paying and request written validation.
Why is Diversified Adjustment Service calling you?
Diversified Adjustment Service calls you because a creditor placed or sold your account with the agency for collection. Request written validation showing the original creditor’s name and the amount claimed. Do not pay until that documentation arrives.
What does Diversified Adj Svc mean on a credit report?
Diversified Adj Svc is the abbreviated name Diversified Adjustment Service uses on credit bureau reports. It refers to the same Coon Rapids, Minnesota agency. If you dispute the entry, the agency must verify it within 30 days or remove it.
Who does Diversified Adjustment Service collect for?
The agency collects for healthcare providers, financial services companies, and utility creditors. It does not originate accounts itself. Ask for the original creditor’s name and account number in writing before making any payment.
Can Diversified Adjustment Service garnish my wages?
Only after winning a court judgment through proper legal procedures. Threatening garnishment without a judgment may itself violate the FDCPA. Document any such threat and report it to an attorney.
What should I do if Diversified Adjustment Service calls my workplace?
Tell them directly that your employer prohibits personal calls at work. If calls continue after that notice, each one may constitute a separate FDCPA violation. Document every call with date, time, and who answered.
Can I dispute a Diversified Adjustment Service debt?
Yes. Send a written dispute within 30 days of first contact. The agency must halt collection efforts until it provides written validation. See the debt collection harassment resource for documentation guidance.
Take Your Next Step Against Diversified Adjustment Service
If Diversified Adjustment Service has called outside permitted hours or continued after a cease request, start documenting now. A call log paired with any collection letters you’ve received gives an attorney the key evidence needed. Call +1-844-638-1122 for a free, no-obligation review of your file.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
