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:10/02/2024

  Type:Order 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 am not liable for this debt with FL EMER PHYS **** ASSOC MD. I do not have a contract with NATIONAL RECOVERY AGENCY, they did not provide me with the original contract as I requested.

  Business Response

  Date: 10/03/2024

  This is not meant for our company, the company being referenced is not a client of ours,  we do not have this account in our system,  nor do we report to credit bureaus.  The entity mentioned within this complaint is another agency with a very similiar name.

  Customer Answer

  Date: 10/15/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22370225, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Rachelle Flerimond

• Initial Complaint

  Date:04/05/2024

  Type:Product 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 received a call from some individual pretending to be from ************* ************ by an individual called *************************** asking me to call a ************ and take care of this voluntarily. When I Called this number they stated I Needed to call ********************* with ***************** law firm. I asked the name of the company for the ************ and they would not give me a name only that they were law office. They gave me the number to call ************ I called and spoke to *********************, I asked who sent her this NSF check and all she could tell me is that United Transactions sent it to them. I asked for their information so that I could contact them, she stated she didnt know , puts me on hold and then all of a sudden I am speaking to the collection company with a simple transfer. Spoke to the collections manager, and she stated they do not legally pursue or order anyone to be pursued legally , and that they are just a collections company, they do not do that. I then called ********************* back stated to her what I had been told and she then sounded Flustered and confused, nervous and couldnt find any right answered to give me and asked me to pay Avondale directly. I contacted Dallas County Court/ Dallas county District clerk. She stated that this sounded like someone spoofing their number pretending to be someone they are not, no *************************** anywhere to be found in their employee system. She also stated they dont have such thing as a ************ and also stated they do not make courtesy calls asking people to voluntarily take care if it with the collection company/law firm etc. It just gets investigated and if further action is taken the person is served, so the information I was giving her and the process that they were taking did not add up. She stated this was happening a lot and if there was a check that was returned to pay the creditor directly of which I will.

  Business Response

  Date: 05/01/2024

  Good Morning,

   

  After receiving this complaint, we contacted the law firm of *******************,  Please see below, as this complaint is not meant for NMRC.

   

  Please be advised that you have filed your BBB Complaint against the wrong Company.NMRC has nothing to do with your bad check debt. Please retract your Complaint immediately as wrong Company and contact *********************** at my Law Firm to remit payment for your bad check. You can reach her at **************.
  
  Very truly yours,
  
  **** ***********************, Esquire

   

   

  Business Response

  Date: 07/30/2024

  Good Morning,
  
  After receiving this complaint, we contacted the law firm of *******************,  Please see below, as this complaint is not meant for NMRC.
  
  Please be advised that you have filed your BBB Complaint against the wrong Company. NMRC has nothing to do with your bad check debt. Please retract your Complaint immediately as wrong Company and contact *********************** at my Law Firm to remit payment for your bad check. You can reach her at **************.
  
  Very truly yours,
  
  **** ***********************, Esquire

  Business Response

  Date: 08/07/2024

  This complaint still shows as if we must complete an action, we have already replied.  Please advise.

  Customer Answer

  Date: 08/19/2024

   
  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:08/18/2023

  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.

  On August 16, 2023, I received a phone call from the ********** of *****************, I returned the phone call 08/18/2023. After speaking with the lady on the phone who would not disclose her name she explained that I owed $2,000.00 for my purchase of my 2022 Dodge Challenger. She said I defaulted on a check and If I don't pay it then she is putting in the "charge" and she will be repossessing my car. The only lienholder on my contract, and on my registration is ***************** I did not agree to pay any extra $2000.00 to these people. On my legal 553 ****** contract is shows I fulfilled my full down payment of $4500.00. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is **************** and have made no further agreements to any other lender, or promised to pay any other amount of money to.

  Business Response

  Date: 09/01/2023

  The ********** of ***************** serves as general counsel for NMRC which is the collection agency.  NMRC is the entity that collects on behalf of United Tranzaction, who is the check guarantee company.  They guarantee and pay checks written to the dealership for any merchant.  This individual purchased a vehicle and put a down payment utilizing the following methods.

  $2500.00 via ach transfer
  

  $2000.00 via credit card.

  The subject matter of the complaint is for 2000,00.  Please see attached item showing that payment was stopped on the ach transaction after providing this information to the dealership.  It is reasonable to assume it would have been returned  as NSF so therefor payment was stopped by the account holder.   This individual has perpetrated a fraud as he continues to posses the vehicle and refuses to pay restitution on the stop payment.

• Initial Complaint

  Date:05/25/2023

  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.

  This company spoofed my county clerks office, called and stated they were going to take my license away, threatened me with charging me with fraud. This is a debt collection agency and it's highly illegal per the ***** I will be contacting a local lawyer to go over the practice this company is using to collect debt

  Business Response

  Date: 06/07/2023

  This individual cashed a check with prior knowledge that there was a stop payment on the check.  She then proceeded to request a replacement check and then cashed that.  She was advised by the original bank, lender, and ********** that she committed fraud.  We advised her that we are reserving our remedies provided by law, however we are willing to work a payment arrangement out with her for the restitution of the subject checks without proceeding with any legal recourse.  However this individual chose to file the subject BBB complaint not withstanding her egregious and illegal conduct.  

• Initial Complaint

  Date:12/25/2022

  Type:Billing 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 was contacted by this company on November 18th, 2022 regarding a past due debt. It originated with a clone call from the local sheriff department. I was told to call the attorney's office to see if I could possibly stop them from filing a legal claim against me so I called the number they provided. They started threatening legal action against me and told me that law enforcement would come to my home or job. I was caught off guard by this so I listened to the person on the phone who claimed to be calling from a law firm. I asked about option to pay the debt off and they said they could split the payments up into three monthly payments of $334.11. Nervously I gave my credit card number and requested to see documentation that proved that the collector was valid and that the person on the phone was from a law firm. The person on the phone became upset and that was an instant red flag. She stated that they needed me to fill out the authorization form so that they could charge my credit card. I refused to do this until the documents were sent over. I ended the call and waited to review the documents that were sent over. Upon reviewing the documents and doing some research online I realized that this company was a scam and operated like this quite often. Their method is scare tactics with threats of law enforcement and public embarrassment to get you to give them money. After reviewing the documents I decided not to sign the payment authorization and the payment arrangement forms. I figured that if the company was legit they would have to take me to court. I did not return their calls and waited to for the court papers. The court papers never arrived and I assumed it must have been a scam. On 12/19/22 I see a charge to my account of $334.11 which is the amount that NMRC tried to get me to authorize on my card. I was in total shock to see a charge post to my account that I did not agree to nor sign any of the paperwork required to authorize any payment to NMRC.

• Initial Complaint

  Date:11/10/2022

  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.

  I was contacted by my 75 year old Mother, who was in tears and physically shaking and distraught from the phone call she received from ******************************* with this debt recovery company. My Mother was told that I will be arrested and put in jail for a felony & pay over $20k in court fines, etc.When I spoke to them, they speak so the company name extremely fast that you cannot catch it all before they have you in tears with their threats. I offered them a payment that I could make and they declined it. I asked them for the paperwork to show that I owed this to them because I was told, at the dealership, that my check cleared my bank account. I called the dealership and they show my check has cleared. I contacted my bank and it's very odd that no one can produce a return check image. I offered a 1099C to cancel the debt and this company will not accept it either. I have offered solutions and they do not want it. If they would give me their EIN # , address, and pay off amount then I will kindly give them a 1099A and 1099C; but you have to have someone smart enough to know how to process the paperwork. However, they want to keep calling my Mother and trying to play on her soft side, when what they are doing is stressing her out to the point that I am filing this complaint. These people are scammers and are manipulative and should not be in business. The Company cannot produce any paperwork to show they have any debt on file. I start to question the caller and then I am told that she does not know the law in the state I reside in. Their bullying tactic is not working. What is sad, is imagine how many elderly people they contact and harass and sadly the person contacted probably pays them out of fear. First off, its against the law to do what they are doing. UCC Code 15. THEY NEED TO STOP HARASSING ME AND MY MOTHER OR FURTHER ACTIONS WILL BE TAKEN.

  Business Response

  Date: 11/15/2022

  ****************** has grossly misstated the facts as it relates to her account and the attempted collection efforts by NMRC in the following manner:
  
  (1) ****************** failed to disclose that she is in collections for writing an NSF check for the down payment of the vehicle which she still possesses.
  (2) The original creditor has placed this account with NMRC after failing to collect from ******************. She made the same false statements and allegations to the original creditor in bad faith.
  (3) The remedies that the creditor has includes, but is not limited to collection of the $6,000.00 NSF check, plus treble damages (3 times the amount of the check plus the face of the check) and legal fees and court costs. This was disclosed to ****************** by NMRC during the collection efforts.Therefore, she could face a Judgment in the amount of $24,000.00 plus fees and costs should she refuse to pay this lawful and validated debt.
  (4) ****************** has recently sent a cease and desist notice to NMRC claiming that the debt is not valid. This request for validation has already been waived as an excess of thirty days has elapsed since being noticed of the debt.
  
  Basically, nothing stated in Ms. ******** Complaint is factually correct as NMRC has fully complied with all applicable Laws and Regulations as it pertains to her account. 

• Initial Complaint

  Date:09/28/2022

  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.

  On 9/27/2022, I received a call from my county's district Court. I was told I was being served papers, and being accused of fraud. They provide me with a number to call to get this matter resolved. I called and was told by a person named ***** that I had 15 minutes to pay just about $2000 dollars, or they would file the papers to have me arrested for intent to fraud. I panicked, and assumed this was actual situation considering the phone number that showed up from the county district court was the official number. I was terrified because I was just about to start a new job and never had any sort of criminal record. I called my mom to borrowed the money from a credit card. Today, I called the county district Court back to make sure it was dropped just to find out that I was lied to. They never had any instructions to serve me with a civil or criminal papers. I was told by multiple sources that this was a scam and illegal. The worst part about it is that my fianc works in fraud, and was able to figure it out right away. I also informed that threatening someone in this way over a debt is illegal and claiming intent to fraud is defaming and criminal. Also impersonating a court office is illegal. I was able to ****** the email address that was sent to me by **************** who is *********************. She is connected to this company and after finding all these complaints with the BBB I now know I have been scammed. I have reported the payment as fraud and will be seeking legal advice.

  Business Response

  Date: 10/14/2022

  Any references to clerks or others in the screen shot are not our company.  However, we properly validated the debt and the customer acjkowlded the validity of the debt and paid the account in full as referenced by the DocuSign.

• Initial Complaint

  Date:09/23/2022

  Type:Billing 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 had received a call on 05/11/22 that I was going to be taken to court for intended fraud against cashnet USA. I was told I could not do a payment plan and had to pay the balance off in full otherwise they would contact my employer and begin garnishing my wages and proceed with court charges. I work for a really good company and was scared. I could only pay 300 that day so they reached out to their manager and put me on hold. They accepted to do a payment plan every payday. If my payment ever failed, they would proceed with charges and have me arrested. At the time, they kept contacting my husband and mother. I was so scared I just set up the payments. They never sent me any letters about my debt or about my payment arrangement. I have not gotten any payment confirmations. Im really concerned I got scammed and no one from the company will call me back.

• Initial Complaint

  Date:09/19/2022

  Type:Sales and Advertising 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.

  NMRC threatened and harassed me June 7, 2022. ***** ***** harassed me with the police. They used a fake number to the clerks county office stating that I would be arrested if I did not pay a past debt within two hours for fraud with ACE Cash Express. What a terrible tactic to use. She stated that my job would be notified, my bank accounts will be frozen, I would not be able to leave the state etc., & claimed that I was playing games. Also I noticed that they clone numbers to get in contact with you. ***** had me sign a release order to not go to jail. I checked with clerk county office and there was no warrant out for my arrest or any court documents, She said I would have to make two payments. I ended up paying more than my debt repayment was. My original debt was $2973.97 which was paid. I paid a total of $3673.97 with this company. The $700 was for a fake release order from going to "jail". I need my refund of $700.

  Business Response

  Date: 09/27/2022

  Customer paid their balance directly with ********************** as agreed upon, customer is referencing another third party entity which is not NMRC.  We have contacted customer and advised her to dispute the charge with this unknown entity that we have no knowledge of.  We will follow up to ensure that this is favorably resolved.  We have provided customer with a paid in full letter for the account that is with NMRC and the account is now closed.

  Customer Answer

  Date: 09/28/2022

   
  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:07/19/2022

  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.

  National Management Recovery Corporation called my job, asked for my supervisor, and wanted her to confirm my location. They told my coworker who answered the phone AND my supervisor that they were attempting to serve a warrant for my arrest.I called them back, and was threatened and berated over a debt I didn't even know about. They said that they were calling from a lawyer's office and would file an "order of location" for me if I didn't set up a payment plan in the next 20 minutes, or if I hung up the phone. i asked if that was the same thing as an arrest warrant and they said yes.I told them that the minimum payments they wanted were too high and would lead to me being unable to pay my rent and facing eviction. The woman on the phone said that that wasn't her problem and asked me if I'd prefer jail. She said if I hung up, then I was choosing public humiliation and they would be sending police officers to my place of work right away. It was a rude, cruel, threatening, and high-pressure phone call.And none of it was factually correct! An order of location is something used in child custody cases, and you cannot be arrested for debt. There are currently at least 12 consumer rights lawsuits against this company. According to Agruss Law Firm, "we have not seen National Management Recovery Corporation *** consumers, and its likely that the agency does not *** because they dont always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit."I've tried to call them to tell them to stop calling me, but they hang up swiftly once I say that.

  Business Response

  Date: 08/03/2022

  Not our company

  Customer Answer

  Date: 08/05/2022

   
  Complaint: 17588737
  
  I am rejecting this response because:

  The voicemail attached here - one of many that I received - is from this company, but they change their phone number often. Googling the phone number lead to results for National Recovery Management Corp.

  This message is also what they said nearly verbatim to my coworker when they called my place of work.

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

  Business Response

  Date: 09/07/2022

  Calls were not from our office, not our company.