JNR Adjustment Company, Inc. is a Minnesota recovery company that pursues damage claims for utilities and rental vehicle damage claims, along with commercial collections. A contact usually concerns damage to a rental car or to utility lines or equipment.
- Type
- Collection agency
- Also known as
- JNR Adjustment Company, Inc; J N R Adjustment Company; JNR Collections; JNR Utility Damages
- Headquarters
- Plymouth, MN
- Collects
- rental vehicle damage claims, utility damage claims, commercial accounts
- Phone numbers it lists
- (800) 279-2567, (866) 812-2345
- Website
- jnrcollects.com
31 debt collection complaints were sent to the Consumer Financial Protection Bureau about JNR Adjustment Company, Inc 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 JNR Adjustment Company?
JNR Adjustment Company, Inc. has its corporate headquarters at 3300 Fernbrook Lane North, Suite 225, Plymouth, Minnesota. Its Better Business Bureau profile gives a business start date of 1971 and an incorporation date of July 1, 1992, and states that the company is licensed by the Minnesota Department of Commerce as a third-party collection agency. The BBB lists Omar M. Harris as CEO and owner.
JNR operates two departments with separate contact lines: JNR Utility Damages and JNR Collections.
Why JNR Adjustment Company May Be Contacting You
JNR's services page lists three lines of work: utility damage recovery for utility providers, business-to-business commercial collections, and consumer recovery services supporting "rental vehicle damage claims." For an individual, that means a JNR letter is most likely about one of two things:
- A rental car damage claim. A rental company says the car was damaged while you had it and is seeking repair costs, loss-of-use charges or related fees.
- A utility damage claim. A utility says you (or your contractor or vehicle) damaged a power line, gas line, cable or pole, for example while digging or in a crash, and wants repair costs.
The utility damage line is (800) 279-2567 and the collections line is (866) 812-2345. JNR uses separate Minneapolis P.O. boxes for utility damage and collection payments.
How to Check a Claim JNR Adjustment Company Says You Owe
Damage claims are not like a credit card bill: they rest on what happened and on what the repair actually cost, so demand proof.
- Ask for the basis of the claim. For a rental, request the rental agreement, check-out and return inspection records, photos, the repair estimate or invoice, and any loss-of-use calculation. For utility damage, request the incident report and itemized repair costs.
- Notify your insurers. Your auto policy, the credit card you used to rent, or a liability policy may cover the claim.
- Dispute in writing. If JNR sends an FDCPA validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), a written dispute inside the validation period requires it to verify before continuing.
- Ask who the claimant is. Confirm which rental company or utility holds the claim.
- Check the timing. Property damage claims can have shorter limitation periods than contract debts. In Texas, suits on most debts carry a four-year period (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set their own periods.
What JNR Adjustment Company Can and Can't Do
The FDCPA covers a third-party collector (15 U.S.C. § 1692a(6)) collecting a consumer "debt," meaning an obligation arising from a transaction for personal, family or household purposes (15 U.S.C. § 1692a(5)). A charge under a car you rented for personal travel may fit that definition. A pure accident claim for damage to utility property, with no consumer transaction behind it, may not, though state law can still apply. Where the FDCPA does apply:
- It may not falsely say a claim has been reduced to a judgment or that you will be arrested.
- It may not threaten a lawsuit no one intends to file, and Texas does not allow wage garnishment for ordinary consumer debts.
- Where the FDCPA applies, calls are presumptively limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against JNR Adjustment Company. For a review of a specific situation, see our Texas FDCPA attorneys page.
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 JNR Adjustment Company 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
- JNR Adjustment Company: home page
- JNR Adjustment Company: Services
- JNR Adjustment Company: Contact
- BBB business profile: JNR Adjustment Company Inc (facts only)
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: JNR Adjustment Company, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that JNR Adjustment Company has violated any law. Company details change; tell us if something here is out of date.