Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/06/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received an excessive number of emails and phone calls from this company. The person they are trying to reach is not me, they share my name apparently but it's not me. The address listed for this person is an address I have never lived at and when asked what they were calling me for they said it was for some automobile accident, which the only ones I've been in I wasn't driving nor at fault for anything. This is clearly inaccurate debt reporting and I would like the harassment to cease.

  Business Response

  Date: 03/06/2025

  NCS has researched this allegation and it does appear that another party of the same name lives in the same town as the complainant.  The correct party has been voluntarily paying this claim in the past, so the complainant is not the same person.  NCS has marked the complainant's phone number and email as incorrect.  The complainant should no longer receive contact from NCS.

  Customer Answer

  Date: 03/07/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:03/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My father received a collection letter for an accident that supposedly occurred three years ago, stating that his license would be suspended if he did notpay the amount shown in the letter it started out as a notice letter and now it has turned into a settlement letter trying to get him settle. They will give me no information about an accident that supposedly occurred. They just want me to have insurance handle it or better yet just pay the bill.

  Business Response

  Date: 03/04/2025

  Both the complainant and her father (claimant) have been in contact with NCS since February 10th.

  2/10/25 - the claimant contacted NCS at 9:28 am PT.  They discussed the claim and he said he had insurance and would have insurance contact NCS.

  2/14/25 - the complainant contacted NCS at 3:08 pm PT.  They discussed the claim and she said her father has never had a lapse in coverage and will have Travelers contact NCS.

  2/24/25 - the claimant contacted NCS at 10:50 am PT.  He said he had insurance and will get proof of Travelers.

  3/4/25 - the complainant contacted NCS at 9:28am PT.  She said she does not know who they had insurance with and will obtain an attorney.

  There have been multiple contacts with both parties involved to discuss the claim (claimant struck a parked and occupied vehicle).  When there is an incident, the parties' insurance will normally address the situation and pay for damages as necessary.  Therefore it would be best for the claimant's insurance to cover this incident.  However, if the claimant did not have insurance, he is responsible for the damages that he caused.

   

  Customer Answer

  Date: 03/08/2025

   
  Complaint: 23018662
  
  I am rejecting this response because:
  
  They only have this information because they asked vague questions about the supposed accident.   They will not provide any info to us about this. My father gave them the name of his current insurance provider. When he contacted the agent, they have no record of such accident and no one has contacted them. They claim he exchanged insurance information but that cannot be true because we do not know what this company is talking about. 
  

  We will not pay for something that is supposed to have occurred without valid proof.  We have contacted the *** and there is no report for license revoke and theres no report of collections on his credit report .  This is all so fishy and vague and we believe it is someone trying to take advantage of the elderly  

  Sincerely,
  
  ****** *******

  Business Response

  Date: 03/11/2025

  NCS received this claim with the notification from our client that they had contacted ******************* and was told that Travelers did not find any policy for the complainant's father.

  NCS was trying to get additional insurance information - such as a policy number - from the complainant and her father when we contacted them.  No such information was provided, therefore we continued to call.

  NCS decided to try calling Travelers on our own, beyond the contact done by our client, and Travelers did find the complainant's insurance policy and allowed us to file a claim.

  At this time, the next steps are to see if Travelers has coverage for the complainant's father on the date of loss.  If they do, they will handle the claim.  If they deny coverage, NCS will reach back out to the claimant.

  Customer Answer

  Date: 03/15/2025

   
  Complaint: 23018662
  
  I am rejecting this response because:

   

  Again, we have no idea what this third party company is talking about. No matter what occurs *** the insurance company, we want no further communication sent to my father. 
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:10/08/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  they contacted me regarding my license, i spoke with **** who passed me over to ****. i was in communications with her regarding what i needed to pay to get it reinstated, she said that with the conditional release letter and me showing my insurance that i wouldnt need a sr22, then now **** is saying nobody from his office told me that when they in fact did. she didnt send over any paperwork like she stated, and they refuse to refund my money!

  Business Response

  Date: 10/09/2024

  On 3/1/24, the complainant had lent her vehicle to another party.  That other party hydroplaned in a water puddle and rear-ended a third party.  That third party reported the damage to his insurance carrier, who paid the total amount due for the damage, $3230.36.

  The third party's insurance carrier contacted the complainant's insurance, which denied coverage for an inactive policy on the date of loss.  The third party's insurance then assigned the claim to NCS to collect the $3230.36 from the uninsured vehicle owner (complainant) and the other party driver.

  The South Carolina *** was notified that the complainant's vehicle was the cause of an accident and did not carry automobile insurance, as is required by law.  The ** *** suspended the complainant and driver's licenses.  Please see attachment.

  NCS contacted the complainant and driver and let them know that they owed $3230.36 for the damages done to the third party's vehicle and that their licenses had been suspended and would not be released without a payment plan.  After extensive negotiation, the complainant agreed to pay $450 down payment and $100 per month and signed a promissory note.  Please see attachment.

  The complainant only paid $350.  She has not yet paid the full $450 for her license to be released.  ****************** did send her the *** paperwork for conditional license release in anticipation to the $450 being paid, but she has not returned it.

  However, it appears the complainant is currently confused.  She spoke with the *** and was told that she needs an ***22 to release her license.  She is coming back to ****************** and stating that she does not need to pay and wants a refund and that NCS stated that she did not need an ***22.

  Here are the facts:

  (1) The *** requires a signed release, signed promissory note, and ***22 to release the complainant's license.  An ***** alone will not suffice.

  (2) NCS did not tell the complainant that she did not need an ***22.  When she asked **** about it, **** put her on hold, double checked with ****, and told the complainant that an ***22 is required if the *** asks for it.  It is not a requirement for NCS that we can speak to.

  (3) The complainant does not get a refund.  The following has occurred: 1-her uninsured vehicle caused damage to another party, 2-she signed a promissory note to pay back the $3230.36 in damage, and 3-NCS will not provide the *** will the conditional release for her driver's license unless the full $450 is paid.

  The complainant has been using excessive profanity, derogatory statements, discriminatory language, and threats in her emails.  NCS is asking for respectful interactions when completing the process of making payments and returning the conditional release.

• Initial Complaint

  Date:05/22/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This happened back in nov 04 2021 . They threating me to suspend my license because of an accident i been in and i didnt have insurance. I dont recall not having insurance . I always have insurance in my cars. I want to speak to the people that took the claim but they just hang ** on me very rude. I cant afford to have my license suspended.

  Business Response

  Date: 05/22/2023

  The complainant is correct, this incident is from 11/4/21.  NCS received this claim from our client on 4/3/23.  

  NCS will not allow claimants to verbally abuse our employees.  That would be the only reason a call is terminated. 

  NCS called and left messages on 4/10, 4/25, and 5/9.

  On 5/22, NCS received a voicemail from the complainant at 12:12 pm PT.  She said she had received letters from NCS.  NCS called her back at 12:36.  She said she had no money and does not know when she will have money.  The representative told her he would call her back in 30 days.

  The complainant called back at 12:49 and left a voicemail stating that she wanted to fight this loss because she does not believe that the vehicle that she hit was a total loss.  The NCS representative called back and left her a message at 1:59 pm.  Then the complainant called back around 2:26 and was very upset that the owned the vehicle on the date of loss, and she had no money and wasn't going to pay and became rude to the representative, so he terminated the call.

  If the complainant had insurance on the date of loss, it is very important that the complainant provide that information.  If there is valid coverage, NCS will speak with the insurance carrier only and no longer contact the complainant for payment.  Her license will not be in jeopardy.

  ****************** does not suspend licenses - this is something that the state *** may do because the financial responsibility law requires drivers and vehicle owners to maintain auto insurance.  The *** will make the final decision as they see fit if there is no insurance.

  Can the complainant please send her insurance information from 11/4/21?  

  Customer Answer

  Date: 05/23/2023

   
  Complaint: 20091627
  
  I am rejecting this response because: its been over 2 yesrs i moved. I no longer have the car and ive done had many insurances cant recall what insutance i had. I want to take it to court.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  National Commercial Services is violating so many fdcpa violations including harassment. The reps there are very rude and it is hard to get anyone to respond unless you are making a payment. I have no documentation from the original creditor of any balance and this balance continues to increase on my credit. They contacted me on 10/2020 in regards to an accident that occured in 2018 with ********************* I was never contacted prior in regards to any balance being owed to ********************* The other party involved in the accident had ******************** at the time and I was uninsured. I agreed to pay National Commercial Services $100 monthly and was sent a promissory note agreement that included the balance of $7218.50. I began making the payments of $100 on 10/15/2020. I have never missed a payment, but the balance kept increasing. As of 11/24/21, the balance had increased to $7,793.58. At that time I saw the balance was not going down with me making payments, so I stopped making payments to the company. As of today the current balance on my credit report from National Commercial Service is $9,262. National Commercial Service is a debt collector/collection agency that should not be able to add interest on an account since they are not the original creditor. This company is very rude and refused to provide proof showing the total amount of the accident and how much was paid at that time. I requested debt validation through the credit bureau and they responded with the debt being valid without any documentation. I am requesting that this case to be closed and deleted from my credit report. I have reached out to a consumer attorney for fraudulent activity on my credit report from this company.

  Business Response

  Date: 03/09/2023

  NCS does not understand the complainant can complain about harassment, as she has not been contacted by phone since 1/21/22, and was sent one letter on 2/9/23.

  The complainant says that it was "hard to get anyone to respond" but the complainant was not in the habit of reaching out to NCS, and when a representative finally made contact with her, there is an incident in which she has hung up on him.

  The complainant signed a promissory note, which clearly shows that interest accrues on the balance.  This a signed promissory note is an entirely new contract that the complainant created with NCS, and due to this, the interest is valid.  Since the complainant defaulted on this contract, this account has been reported on her credit.

  The complainant states that she never missed a payment and stopped making payments as of 11/24/21, but that is not true.  She made payments from October 2020 through May 2021, a total of $800, and then stopped paying.

  NCS will definitely provide a copy of the police report and all documentation that supports the original balance due of $7218.50 at the complainant's request.  Please contact us to ask and it will be sent.

  This is not fraudulent activity on the complainant's credit report.  She was at fault for an accident.  She did not have insurance.  She knew she had to pay for the damages she caused out of pocket.  She signed a promissory note and she made $800 in payments.  Then she defaulted on the promissory note and that default was added to her credit report.  This is all a very legal and valid course of action.

  NCS would be more than willing to negotiate the interest if the claimant were to pay the balance of the claim.  This option is still available.  Please contact us and we will work to clear this debt up.

  Customer Answer

  Date: 03/11/2023

   
  Complaint: 19549991
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello received a letter and repeated calls from NCS about a claim i owe for $6144.70. Reference number 683310GN. Don't understand why this is being sent.

  Business Response

  Date: 03/09/2023

  On 8/19/22, there was an incident on ***************** in **************, **.  The complainant failed to stop on time and rear-ended another party who was stopped at the time.  The other party was pushed against some tree branches, and a branch stuck under the front bumper and damaged it.

  The complainant and other party exchanged information.  The complainant provided her drivers license and insurance information.  However, when her insurance carrier was contacted, they denied coverage.

  Due to lack of insurance, the complainant is responsible for the damages that she caused.  She needs to pay out of her own pocket.  The other party's insurance carrier sent the claim to NCS to collect from the uninsured complainant.  That is why the complainant is receiving contact from NCS for the total of the damages she caused.

  Customer Answer

  Date: 03/09/2023

   
  Complaint: 19548163
  
  I am rejecting this response because:
  There was an accident on ****** Road at above date. Neither parties were injured. The complaint **************** called  her husband *************** and he arrived on the scene immediately since he lived about half mile away. Both parties had already exchanged insurance information and both parties were insured by ********************** When **************** arrived he informed both parties that glad nobody was hurt and accidents happen. He informed myself that he would take care of it. *************** was very nice about it. He owns a large ***************** and i have watched his business grow and still recommend him when peoplecask if i know anyone that does his kind of work. About a week later ********************* called and followed up with my information. The agent informed me that both of us are ************************** holders and both parties would take care of there own. Now 7 months later I am getting a bill from NCS. I am sending all correspondence from NCS and myself and this complaint to my attorney. 
  Sincerely,
  
  ******************* *******

  Business Response

  Date: 03/09/2023

  The complainant's response is incorrect.

  First, there was no reference to any injuries by NCS.  This claim has nothing to do with injuries.  It has to do with damage the complainant caused to the other party's vehicle.

  Second, the claim that NCS is handling has nothing to do with ********************* other than the fact that the complainant stated that she had Progressive and Progressive denied coverage for the complainant.  The other party may have had a commercial policy with Progressive, but they chose not to use their commercial policy and are using their personal policy, which is a client of NCS's.  The conversation the complainant says she had with Progressive was definitely not the final disposition of this claim.

  NCS recommends that the complainant contact Progressive for an update on and speak to them about the denial that they issued on her claim.  She provided policy #*********.  Perhaps she could convince Progressive to afford coverage on her policy and the balance of this claim would be handled between NCS and Progressive.

• Initial Complaint

  Date:12/06/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 4/15/22, I gave money to a collection agency in ********** that I thought was going to the state of ********. There was no fault, but I had to pay the state of ******** for not having insurance. Now this company in ********** wants about $44,000 because they are collecting "damages from the accident". I went to ******** court and they declared fraud. Online reviews have many complaints of getting scammed by this company. They should probably get shut down.

  Business Response

  Date: 12/07/2022

  On 8/18/22, the complainant was in an accident. She failed to yield the right of way and caused a collision with another party.
  
  She did not have insurance at the time of loss (please see State Farm letter). The state of ******** even stated that she did not have insurance (please see DMV letter). Therefore, it is her responsibility to pay for the damages she caused out of pocket.
  
  The amount of damages that the complainant caused to the other party, which the other party's insurance had to pay on this claim are $4946.46 in physical damage, $93 for the tow, $412.55 for the rental, and $39,456.75 in medical payments for injuries to the other party. The complainant signed a promissory note on 5/6/22 stating that she would enter a repayment plan for the $44,476.56 in physical damages and injuries that she caused (please see Signed Prom Note).
  
  NCS has collected $2217 of these damages from the complainant and then she stopped paying. NCS never said these payments were to the state of ********. These payments are to the other party's insurance carrier who had to pay out the $44,476.56 because the complainant did not have insurance - otherwise her insurance would have paid.
  
  NCS is not a scam. NCS has been in business over 25 years collecting on uninsured motorist claims. NCS will not be issuing a refund. In addition, the complainant signed a promissory note to repay the amount due and has since breached it. Therefore this breach will be reported to the credit bureaus as well as to the ******** DMV.
  
  The complainant says she went to court to show this was fraud? Please provide us proof of such an outcome.
  
  
  See Attachment/File: ****** DMV letter

• Initial Complaint

  Date:09/28/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are trying to collect a debt for ********** that I don't owe. ********** never came and looked at my vechile, then claimed we backed into their client. I sent pictures proving them wrong, which I am including, and they didn't reply. Now I have these people calling me, and when I tried to talk to them the case worker literally refused to talk to me or see my proof and told me to get an attorney and not call them again. They already threatened my license over charges I'm not at fault for.

  Business Response

  Date: 10/20/2022

  Business Response /* (1000, 5, 2022/10/06) */ On this claim, NCS has the following information: ************* was driving a vehicle owned by the complainant on 3/13/22 and side swiped another vehicle in a parking lot. The complainant is stating that someone has said that his vehicle backed into another vehicle. This is not true. It was a side swipe. The photos cannot prove anything. There is no photo of the side of the vehicle. Although the front of the vehicle is damaged and could have initiated the side swipe. The complainant contacted the other party's carrier and acknowledged that the incident happened on 4/13/22. The ****** was aware of the incident in which the complainant was uninsured on 6/22/22. The claimant contacted NCS on 9/28, stated that he did not have insurance, but claims that he was not at fault. He stated he would obtain legal representation. NCS would not refuse to speak with or ask an at fault party not to contact us. The goal is to resolve the claim, which requires contact. This claim is not on the complainant's credit report. Consumer Response /* (3000, 7, 2022/10/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) ********** was the one that said we backed into their client. We didnt side wipe anyone, they pulled around us going over the speed limit of a parking lot and hit the front drovers sode of our van and broke the brake line. Included are more pictures the van, clearing showing there was no damage to it other than the drovers front side. We are not at fault for them running into us as we were pulling towars a parking spot. They came around us at high speed on the left, hit us while we were at a complete stop, then kept going and messed up the whole side of their vehicle. The company I am filing the complaint against did in fact tell be they "wouldn't go back and forth with me" told me to get a lawyer and hung up on me. I want all of this cleared on the grounds we are not at fault. Business Response /* (4000, 9, 2022/10/14) */ NCS is not an insurance carrier. NCS cannot make the decision to change liability on this claim. Liability is discussed between insurance carriers. Sometimes the police may make a liability determination through a citation. As the complainant is not insured, and there is no police report, the only party assigning liability on this claim is NCS's client. Again, NCS cannot overturn such decisions, as we are not an insurance carrier. The complainant may have had a different outcome if he was insured, as required through the financial responsibility law. According to the other party's carrier, the other party was passing the stopped complainant vehicle on the left in the parking aisle. At that time, the complainant vehicle attempted to turn left into a parking space, in which his left front of the vehicle hit the right front door down the right side of the other vehicle. As the parties involved have two different stories, this would be resolved insurance vs insurance. As the complainant does not have insurance, he can continue to present his side to the ***, but NCS cannot alter liability.

• Initial Complaint

  Date:07/25/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have established a payment plan and made a down payment but ******** and her supervisor **** have both failed to provide me with a correct Promissory Note. I have spent several days going back and forth them attempting to correct the information and have gotten no where. I would like a corrected Promissory Note so that I can complete the next steps to getting my husband and I's driving and vehicle registration privileges reinstated.

  Business Response

  Date: 08/10/2022

  Business Response /* (1000, 5, 2022/07/27) */ on 7/21, NCS sent a promissory note to the complainant at 3:47 PM Pacific Time. The complainant did not get it, and it was resent at 4:22 pm PT. On 7/22, the complainant asked for a correction, to add her husband to the promissory note. On 7/25 (Monday), NCS provided the new promissory note at 9:25 am PT. There was an email address issue, and the note was sent again at 11:02 am. The complainant responded that she filed a complaint with the BBB at the same time the promissory note was being sent to her. NCS received the signed promissory note back from the complainant by 11:43 am. At 12:20 pm on 7/25, NCS sent the complainant the conditional release for signatures and notary witness signature and stamp. This will allow the complainant to have her license released. It is 7/27 and NCS has not yet received the signed and notarized conditional release.

• Initial Complaint

  Date:07/13/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am requesting National Commercial Services to provide me with the information necessary to validate that debt that they claim I owe. I am making this request based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809(b). I am demanding specific information be provided to me to prove that I owe this debt client ref. No ********. Account No. **********. I am asking for the full amount of the debt, the name of the original creditor, any applicable judgment information, the agreement you have established with the original creditor that allows you to collect this debt, valid copies of the original credit agreement, documents showing the payment history, proof of when the last payment was made and the amount of that payment, and your license to collect debts in my state of residence. I also request information showing that the Statute of Limitations for collecting this debt hasn't expired.

  Business Response

  Date: 08/08/2022

  Business Response /* (1000, 5, 2022/07/25) */ The documentation that the complainant requested was sent directly to him on Monday, July 18th at 3:31 Pacific Time.