Bonneville Collections: Who They Are and Your Rights

Type

Collection agency

Also known as

Bonneville Billing and Collections

Phone numbers it lists

(800) 660-6138, (801) 621-7880

Website

bonncoll.com

258 debt collection complaints were sent to the Consumer Financial Protection Bureau about Bonneville Billing and Collections from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Bonneville Collections?

Bonneville Collections says it has been in business since 1980. Its website lists four offices: South Ogden, Utah; Boise, Idaho; Idaho Falls, Idaho; and Vancouver, Washington. Its payment address is a PO box in Ogden, Utah. The company belongs to the Utah, Idaho and Oregon collector associations and takes part in ACA International's healthcare, government and internet-and-check services programs. The CFPB's complaint database lists the company as "Bonneville Billing and Collections."

Why Bonneville Collections May Be Contacting You

Bonneville's website does not name its clients. Its regional footprint and trade-group programs suggest a mix of healthcare, government and returned-check accounts in the Intermountain West and Pacific Northwest, but we could not confirm a client list. If you lived or received services in Utah, Idaho, Oregon or Washington, a Bonneville letter may concern a medical bill, a local government charge, a bounced check or another account from that time, even if you have since moved to Texas.

How to Check a Debt Bonneville Collections Says You Owe

Older out-of-state accounts can be hard to remember, so ask Bonneville to show its work.

• Match the creditor to your history. The validation notice must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Check whether you actually used that provider or agency.
• Dispute within the validation window. Request the date of service or transaction, the original bill and any check images. A written dispute stops collection until Bonneville verifies the debt.
• Find out whether the account was sold. Ask whether the original creditor still owns the account or whether it now belongs to a debt buyer.
• Look at the fees. Returned-check accounts can carry statutory fees; make sure any fee added is allowed by the law of the state where the check was written.
• Consider the age of the debt. If you are sued in Texas, the general limitations period for consumer debts is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). The state where the debt arose may apply a different period.

What Bonneville Collections Can and Can't Do

Bonneville regularly collects debts owed to others, so it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That has practical consequences:

• It may not threaten criminal charges over a bounced check to pressure you to pay.
• It may not add charges that the original agreement or a statute does not permit (15 U.S.C. § 1692f(1)).
• It must follow the Regulation F call limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)) and offer a way to opt out of texts and emails.
• It must stop contacting you after a written refusal to pay or request to stop, other than limited notices (15 U.S.C. § 1692c(c)).

We did not find a CFPB enforcement action against Bonneville Collections. See our Texas FDCPA attorneys page if you want a lawyer to review how it contacted you.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Bonneville Collections or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Bonneville Collections: home page
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Bonneville Billing and Collections, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Bonneville Collections has violated any law. Company details change; tell us if something here is out of date.