Knight Adjustment Bureau has collected consumer debts from Salt Lake City, Utah since 1954, also known as KAB. Their confirmed clients include Mountain America Credit Union and student loan providers.
With 17 CFPB complaints and 6 federal civil cases, their documented complaint patterns run toward refusing partial payments, adding high interest to collection balances, and continuing to call consumers after they have asked KAB to stop.
A documented CFPB complaint describes KAB as pursuing court judgments specifically to collect additional fees on top of the original balance. This guide covers who they are and how to respond.
Who Is Knight Adjustment Bureau?
Knight Adjustment Bureau, Inc. is a third-party debt collection agency incorporated in 1954, with 40 employees and $3.2M in annual revenue. The BBB has closed 17 complaints in three years and the CFPB has closed 17 complaints since June 2015. Six Justia civil cases name KAB. Utah has a 6-year statute of limitations on written contracts.
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Refusing Partial Payments and Adding High Interest
A documented CFPB complaint describes KAB as refusing to accept partial payments despite operating an online payment portal that accepts them. The same complaint alleges KAB adds a high percentage of interest to accounts already in collection and pursues court judgments specifically to recover additional fees on top of the original balance.
FDCPA Section 1692f(1) prohibits collecting amounts not authorized by the original agreement or permitted by law. If the balance KAB is claiming has grown substantially from the original amount, request an itemized breakdown showing the original balance, the interest rate being applied, and the contractual or legal authority for each added charge before paying anything.
Continuing to Call After Stop Requests
A documented CFPB complaint describes a consumer who told KAB to stop calling and received continued calls multiple times per week, sometimes multiple times per day. The calls were described as threatening and harassing in nature. When the consumer called KAB to try to resolve the account, representatives hung up on them repeatedly.
Under Regulation F, KAB may not call more than seven times within any seven-day period for a single debt. Each call after a documented cease request is a separate FDCPA violation. Log every call with date, time, and phone number used before filing a CFPB complaint.
The England Federal Case
A Utah resident named Teresa England began receiving calls from KAB in 2010 about an alleged debt. The resulting federal case, filed in the U.S. District Court for the District of Utah (Case No. 1:11-cv-00002-CW), alleged FDCPA violations. The case is the most specifically documented federal action naming KAB in court records.
Using False or Misleading Information
A documented FDCPA complaint category against KAB is using false or misleading information in collection efforts. If KAB has made a specific statement about the balance owed, the legal status of the debt, or consequences of non-payment that you believe to be inaccurate, document it with date, time, and exact language before filing a CFPB complaint.
Verify the Debt Before Paying Anything
Send a written validation request by certified mail within 30 days of first contact. Request the original creditor’s name, the original balance at referral, an itemized breakdown of every charge and interest amount added since referral, and the specific legal authority for each addition. If KAB has refused partial payments, request in writing whether they will accept a settlement arrangement and at what terms.
How to Find KAB on Your Credit Report
Check your credit reports for “Knight Adjustment Bureau” and “KAB.” Confirm the original creditor is identified and the balance matches what the original creditor reported at charge-off before any collection fees were added.
Your Options Before Paying or Responding
- Log every call after a documented stop request: The CFPB complaint shows KAB calling multiple times per week after being asked to stop. Each post-request call is a potential FDCPA violation worth up to $1,000 in statutory damages.
- Request itemized documentation before paying any balance with added interest: The documented complaint shows KAB adding high interest on top of collection balances and pursuing judgments for additional fees. Get the full breakdown before paying anything.
- File with the Utah AG in addition to CFPB: The Utah Attorney General’s Consumer Protection Division accepts debt collection complaints at (801) 366-0260.
- Respond to any lawsuit summons before the deadline: The documented complaint pattern of pursuing court judgments for additional fees makes prompt response to any KAB summons essential.
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How to Contact Knight Adjustment Bureau
- Address: Knight Adjustment Bureau, Inc., 5525 S 900 E, Suite 215, Salt Lake City, UT 84117
- Phone: (801) 531-7251 or (800) 748-4113
Bottom Line
Knight Adjustment Bureau has collected debts since 1954 and has a documented pattern of refusing partial payments, adding high interest to collection balances, pursuing court judgments for additional fees, and continuing calls after consumers have asked them to stop.
Request a full itemized breakdown before paying any KAB balance. Log every call after a stop request and file a CFPB complaint with that documentation attached.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.