ComplaintsforNational Debt Holdings, LLC

• Initial Complaint

  06/25/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  In late May, a collections company *********************** attempted to contact me about a fraudulent Speedy Cash account that had been opened under my name. National Debt Holdings is the company that purchased the debt from Speedy Cash. Once I spoke to NDH, I was told they pulled the debt from ********************** which I appreciated. However, I've been requesting the original contract for the debt, so I have tangible proof of the fraud since this loan is not on my credit report. I've been told by NDH that the contract has been requested, however, *********** informed me that the contract is already with NDH. I have not seen a contract or been given a date to expect it. Not even an estimate. I've researched, and in *****, it states: "The collection agency must provide a copy of the creditor contract if you ask for it. If the creditor has sold your debt to a collection agency, the agency is required to keep a copy of the contract between you and the original creditor on file that shows your account number with the original creditor. You have a legal right to ask for a copy of this contract to make the collection agency prove that they have the authority to collect the debt."It's been a month since this fraudulent debt came to my attention and it's been over a week now since I requested the original contract. The dodginess of the situation is leading me to believe that National Debt Holdings is a fraudulent company at worst, and a negligent one at best.

  

  Business response

  06/26/2024

  National Debt Holdings respectfully disagrees with the consumers timeline of events. The consumer contacted our office via phone on June 13th, 2024, alleging that the account in question was fraudulent. We provided guidance on the appropriate steps to take if they believed they were a victim of identity theft, including filing a police report. At that time, the account was returned by the third-party agency and placed on hold, awaiting documentation from the consumer to proceed with our policies and procedures for assisting identity theft victims.
  The consumer contacted our office again on June 17th,requesting the available media/contract to file the police report. We promptly submitted a media request to the original lender to obtain that information. Please note that while we had acquired a media file from the lender upon acquiring the consumer's account, we did not have the media for this specific account. The consumer contacted our office again on June 21st and was advised that it takes time to obtain the requested documentation. We provided a validation letter for their reference, which was emailed on June 21st as discussed. The consumer confirmed receipt of the validation letter on June 22nd and indicated they would check back in a week regarding the media request. They also mentioned that the original lender had informed them that we already had the contract.
  On June 24th, we escalated the media request to the lender,advising them that the consumer had been informed that we had the contract,which was not included in the media file we received when we acquired the account. Today, we received the loan agreement and transaction history from the original lender, which have been attached to this response for the consumer's records.
  Contrary to the consumer's assertions, it has not been a month since the request, and we have not been evading the consumers request.National Debt Holdings stands by the diligent efforts we have made to assist this consumer with their fraud claim and finds the consumers claims unwarranted and unfounded.

  Customer response

  06/26/2024

   
  Complaint: 21897472
  
  I am rejecting this response because:
  

  Firstly, there is no attachment here. I would like this documentation emailed to me at ********************* as soon as possible. What I was told from the lender themselves, Speedy Cash, differs from what I've been told by National Debt Holdings and I would like to wrap this up so I can file a thorough report as they themselves suggested me to do in their response above.

  Also, no one at NDH ever informed me they were waiting on any documentation from me. I assume this response is referencing waiting on a copy of the police report and a document from the Identity Theft reporting portal. Besides it being a lie that I was told to send them this documentation [I would love to see/hear this correspondence], I can not file said police report without the contract that I am STILL waiting on from National Debt Holdings. 

  I believe NDH to be a competent enough company to comprehend the written word. I stated that it's been one month since this debt has come to my attention via the third party debt collector, and over one week since I requested the contract. Based on their own response above, this is true.

  I would like the contract emailed to me. *********** informed me that it is in NDH's possession. Until I see this contract, and am able to send to the police so I can follow the protocol that NDH has themselves outlined in their response, I will assume this company is fraudulent.

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

  

  Business response

  06/26/2024

  Thank you for your communication. We apologize for any confusion or inconvenience you may have experienced. Please allow us to address your concerns promptly.

  Firstly, we regret that the documentation was not received as intended. We will email the necessary documents to you at ********************* momentarily as requested.

  Regarding the discrepancy between the information provided by Speedy Cash and National Debt Holdings, we understand your need to resolve this matter quickly to file a thorough report. We are committed to facilitating this process for you.

  We apologize if there was a misunderstanding regarding the documentation we were waiting for from you. Our intent was to inform you of the necessary steps, which typically includes obtaining a police report and relevant documents from the Identity Theft reporting portal. We acknowledge that this communication may not have been clear and apologize for any misunderstanding.

  We appreciate your patience and understanding. If you have any further questions or need immediate assistance, please do not hesitate to contact us directly.

  Customer response

  06/26/2024

   
  Complaint: 21897472
  
  I am rejecting this response because:

  I reviewed the documents, and they don't include any identifying information to prove this is my alleged debt. As in my birthday, social security number, driver's license number, or place of employment. The transaction information has no dates, and the Loan Balance number doesn't match up to the amount numbers.
  
  When I spoke to *********************** from ********************* on June 12th, he told me there was documentation with an IP address, bank account number, and driver's license number that could be sent to me. He even read the bank account number out loud. When I spoke to Speedy Cash on June 19th, they informed me that all documents had been sent to National Debt Holdings when they passed the account along to them. I assume *** has the same documents as the third-party debt collector they sold this debt to, and the lender they obtained the debt from. 
  
  I want all documentation that could prove this is my debt sent to my email address. I want to be able to file the report as instructed by NDH, and I also want to make sure I have concrete proof of this fraud. So far, I do not have any proof that shows my information against the information used to obtain this loan.
  
  The contract does not provide enough information. Please send me everything via email, including the original application for the account.

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

  

  Business response

  06/28/2024

  National Debt Holdings has provided all documentation received from the original lender to the consumer via email, as requested on June 26, 2024. The consumer subsequently informed us that the provided documentation did not include any identifying information such as date of birth, social security number, driver's license, or place of employment. The consumer had expected this information to be included based on their conversation with the agency.
  In response, the consumer requested that all documents be sent. We attempted to contact the consumer via phone on June 26, 2024, to provide further clarification but were only able to leave a voicemail. A detailed response was then provided to the consumer via email as referenced below. 

  "I understand your questions and concerns regarding the loan agreement provided to you. The information in the agreement represents all that the original creditor has shared with us regarding the media aspect. It is important to note that each lenders contracts may vary in content.

   I apologize for any confusion caused by Asset Recovery Bureaus communication.They may have assumed certain details such as bank account numbers, drivers license numbers, or IP addresses would be included in the contract, as many lenders do include such information. However, we do not have the capability to alter or append anything to the original loan documents received from the lender. All we can do is send you the exact information provided to us.

   Regarding personal identification details like social security number, birthday, and place of employment, this information is securely transmitted to us when the accounts are transferred through a data file. Although we possess the information provided to us by the original creditor, including the bank account number discussed during your call with ********************** we cannot influence the content of the original loan documents.

  However,it is my understanding that you suspect this account was opened fraudulently.The information we have shared should be adequate for you to proceed with filing the fraud affidavit. We are committed to ensuring that no consumer is held responsible for any account opened under fraudulent circumstances.Currently, your account is flagged as fraudulent and closed within our system.Filing the fraud affidavit would be the best step you can take next to ensure your identity is protected.
  
  I hope this clarifies the situation for you as we have provided all information that has been made available to us."

  In closing, the consumer's account has been closed, and all documentation received has been provided to assist with their fraud claim. Despite these efforts, the consumer appears dissatisfied with the resolution. National Debt Holdings has taken all possible steps to assist the consumer in bringing this matter to resolution.    

   

  Customer response

  06/29/2024

   
  Complaint: 21897472
  
  I am rejecting this response because:

  Although I appreciate the account being closed and flagged as fraud, its my understanding that these accounts can be resold over the years. I just want all the information that NDH has, which they mentioned having in their response. Whatever file was transferred to NDH, with all the identifying information on the account, I would like it please. That way I have all the evidence I need that this is a fraudulent loan.
  
  Sincerely,
  
  *******************************

  

  Business response

  07/03/2024

  As previously communicated, National Debt Holdings has furnished the consumer with all documentation received from the original creditor.Additionally, we have notified the original creditor of the consumers fraud claim and informed them that National Debt Holdings has closed the account.

  Should the consumer require any further information to support their fraud claim, they are advised to contact the original creditor directly to obtain the necessary documentation.

  National Debt Holdings has diligently made every effort to assist the consumer with their fraud claim, including the closure of the account and the notification to the original creditor.

  Customer response

  07/03/2024

  I am concerned about this debt, as NDH themselves has stated they have access to information about the account that is not included in the contract they sent me. The original creditor already informed me that NDH has everything. The third party collection agency told me they had everything, including the original application. Im totally unsatisfied and confused by the response from NDH, since theyve stated that they do have the identifying information that Im asking for. So it is not true that theyve given me everything by their own admission. When I contact the number on the contract Ive been sent they claim to have no affiliation with the original creditor. Im only trying to be thorough as *** never had my identity stolen before.

  Customer response

  07/03/2024

   
  Complaint: 21897472
  
  I am rejecting this response because:

  NDH themselves has stated they have access to additional information about the account that is not included in the contract. The original creditor already informed me that NDH has everything. The third party collection agency told me they had everything, including the original application which included a bank account and IP address as well as a place of employment. Im totally unsatisfied and confused by the response from NDH, since theyve stated that they do indeed have the identifying information that Im asking for. So while yes they sent a contract, it is not true that theyve given me everything. I appreciate that the account is closed but I cannot say and will not say I am satisfied with this interaction. Nor am I satisfied with Speedy Cash, as theyve also not been helpful with solving my issue of fraud. I of course want all the information because this debt is not mine.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  03/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was contacted by an unknown number left a vm claiming someone was going to come to my house between 3-5 to deliver papers if they can't reach they would come to my place of employment(which is against the law). I then got another unknown call yesterday saying the same thing. I decided to call the number that the voicemail left(capital ******************). They advised me of a debt all the way back in 2019 and that they had all my address I lived at etc they stated that the company is going to come and recover my car because that's how they can recover more from me instead of wage garsnhiment I advised I will call the company to confirm they told me they would just refer back to them I called the company they advised that is with a different collection agency not the one that is trying to contact me I then hung up on the company calling and harassment me after I did that they left me a vm from a different number stating something about final call due to total lack of response then they proceed to call my dad. This company has nothing to do with my car loan they then tried to send me an email that I did not open because it was asking for my signature so I moved it to spam, I asked them to send me proof of debt via mail they said only email and they would not let me off the phone without making a payment which I did not.I have done research there website is not legit. I dont see any pending claims thru the court system I contacted a lawyer I gave them the number I called they tried it and was not in service . They said is a scam .This loan again has nothing to do with my car loan and they can not threaten to take it when they are not the lien holder They are violating the fair debt collection act

  

  Business response

  03/19/2024

  Upon careful examination of the consumers complaint, National Debt Holdings can confirm that we acquired the consumers account however, ********************** Debt Holdings has never had any contact with this consumer.  As a passive debt buyer, National Debt Holdings does not initiate outbound collection calls to consumers. The consumer's account was sold on January 12th, 2024, to *************************** Notably, the consumer has referenced a company in their complaint that bears no association with National Debt Holdings, nor does our organization have any business ties with said entity. We deem that this complaint has been filed against incorrect company.

  Customer response

  03/19/2024

   
  Complaint: 21438680
  
  I am rejecting this response because: you sold it to a fraudulent collection agency and unethical practices to try and scare consumers leaving the eating voicemails and attempt to repo something that has nothing to do with the loan as it was an installment contract not a collateral or secure loan ,   who I can not find anywhere on the website or even BBB. 
  
  if you can provide me a legit site or a bbb I will file a dispute with that 
  Sincerely,
  
  *****************************

  

  Business response

  03/25/2024

  Upon thorough review, we can verify the consumers account was not sold to a fraudulent company. The account was sold to *************************** reachable at **************. We have been advised the consumer has already spoken to them and has been provided with a validation of debt. Arisy ******************** has also provided confirmation that his account is closed.We feel any claims regarding the collection activities are indeed filed against the wrong company.

  Customer response

  03/26/2024

   
  Complaint: 21438680
  
  I am rejecting this response because:

  I did call them however I was not told my file was closed they only provided a number to another debt agency which I feel is fraudulent neither company has sent me proof of debt via mail and I will continue to dispute this as I can not find the company on bbb to file a dispute with them . They claim they sent proof but they have not and as stated before a collection agency can not threaten to take someones property 
  
  Sincerely,
  
  *****************************

  

  Business response

  04/02/2024

  National Debt Holdings originally received this complaint on 3/15/2024. We did respond in a timely manner stating that we felt this complaint was misdirected towards our company. It appears this may be a duplicate complaint.

  See initial response below:

  Upon careful examination of the consumers complaint, National Debt Holdings can confirm that we acquired the consumers account, however, ********************** has never had any contact with this consumer.  As a passive debt buyer,National Debt Holdings does not initiate outbound collection calls to consumers. The consumer's account was sold on January 12th, 2024, to *************************** Notably, the consumer has referenced a company in their complaint that bears no association with National Debt Holdings, nor does our organization have any business ties with said entity. We deem that this complaint has been filed against incorrect company.

  We subsequently received the following response from the consumer on 3/19/2024:

  I am rejecting this response because: you sold it to a fraudulent collection agency and unethical practices to try and scare consumers leaving the eating voicemails and attempt to repo something that has nothing to do with the loan as it was an installment contract not a collateral or secure loan, who I can not find anywhere on the website or even BBB. if you can provide me a legit site or a bbb I will file a dispute with that

  To which we replied:

  Upon thorough review, we can verify the consumers account was not sold to a fraudulent company. The account was sold to *************************** reachable at **************. We have been advised the consumer has already spoken to them and has been provided with a validation of debt. Arisy ******************** has also provided confirmation that his account is closed. We feel any claims regarding the collection activities are indeed filed against the wrong company.

  It appears this is a duplicate of the first complaint, and we deemed this matter resolved based on the previous responses. 

• Initial Complaint

  03/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Yesterday I received a call from a courier trying to serve me for a loan I never took from a company called zocaloans. I called them directly to get original documentation from them, but they said that national debt holdings has all that info. I spoke with a lady yesterday who said that it was transfer to another company, and that one to a different company. However, no one is giving me information on any copies of such documents. I been calling all day today with no success of getting through to someone. I am requesting documentation of the loan itself, i would like to see what info was used to open the loan and to the full account number into where this loan was deposited. No one is giving me any full information. I need answers so i may provide it to my legal counsel as this so call loan was taken out by an identity thief as it is a federal crime. Thanks

  

  Business response

  03/20/2024

  After a thorough review of the consumer's complaint, National Debt Holdings can confirm our acquisition of the consumer's account. However, it is important to note that National Debt Holdings has not made any attempts to contact this consumer. As a passive debt buyer, our company refrains from initiating outbound collection calls to consumers.
  The consumer's account was transferred to ************************** on December 22, 2023, and all relevant documentation pertaining to this account has been duly provided to them. Additionally, the consumer reached out to our office on March 18th, 2024, during which they were promptly informed of this transfer. In light of these circumstances, we believe this complaint has been misdirected to our company.

• Initial Complaint

  02/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was informed by a loan agency that they owned my debt and that they had control over it but I never got any correspondence from NCH this is a debt that is over 5 years old but not one company reached out

  

  Business response

  02/29/2024

  We appreciate your inquiry and the information you have shared regarding the customer complaint associated with **********************.

  Upon thorough investigation, we regret to inform you that we could not ascertain any corresponding account information based on the provided 'Customer Information.' Subsequently, we initiated contact with the consumer utilizing the phone number specified in the complaint, leaving a detailed voicemail message outlining our intent to assist further.

  It's noteworthy that the consumer has referenced another entity,NCH, in their complaint. At present, we do not possess any information pertaining to this entity, and there is uncertainty regarding whether the consumer has accurately identified the company in question. We remain open to clarification and collaboration in addressing any concerns the consumer *** have.

  Should the consumer firmly believe that National Debt Holdings is the correct entity in question, we kindly invite them to reach out to us using the contact information provided in the voicemail message. Our team is dedicated to resolving matters promptly and ensuring customer satisfaction.

  Thank you for your understanding and cooperation in this matter.

   

• Initial Complaint

  02/09/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This company gave and sold my debt information to a fraudalent company DSR Holdings. DSR harassed me and my family and refused to give me any information on what company they were representing and would not give me their physical address. If you go to their website, all links go to a facetime link, no actual landing pages. Additionally, their customer service team was rude, condescending, prideful and refused to work with me. They said I was being ridiculous. How professional! I filed a complaint with the *** and FTC as I had no reason to think they were a legitimate company. DSR lied to this company, said they were giving the debt back to them because they were unable to verify my information. That is false. They were unable to verify their own information with me. I asked for proof from them as I am not giving my bank account info to a company blindly. That is not ridiculous, that is smart. They couldnt do and were unwilling to do so.I am now working with National Debt Holdings now. I spoke to a woman on the phone today. She said she was going to send me information about my debt and a payment plan. She hasnt done it and no one is picking up my calls. It is weird they have one person working customer service. I want a copy of the original contract from Speedy Cash so I know this is legitimate. I want an apology for selling my info to a fraud and rude company and I want to know what they plan to do about this situation with DSR moving forward as I am not taking this treatment lying down.

  

  Business response

  02/14/2024

  We appreciate the opportunity to address the concerns raised by ******************************* in the complaint filed. Ensuring customer satisfaction is a top priority for us, and we take all feedback seriously.
  After thoroughly reviewing the details of the complaint, we would like to provide a comprehensive response to the issues outlined by *******************************.  We understand and recognize the importance of resolving this matter promptly. 
  National Debt Holdings did acquire **************** Speedy Cash account as she has referenced in her complaint, however, National Debt Holdings did not sell her debt information to another fraudulent company.   
  We have conducted a thorough investigation into the circumstances surrounding ******************************* experience to gain a full understanding of the situation.
  We had spoken to ******************************* multiple times on February 9th, 2024.  **************** requested documentation and a payment arrangement letter. We attempted to email **************** this information as she requested but we are receiving undeliverable messages in return.  We did attempt to explain this to ****************;however, she did not believe the representatives that she spoke to.  We are including the copies of the original emails and the undeliverable messages that we have received in return.  We have uploaded the loan agreement as well,per **************** request.   We have also sent out all requested documentation to ******************************* via **** with tracking so she will receive it in the mail as well. We have made multiple attempts to provide **************** with all the information she has requested. 
  We apologize for any experience where **************** has felt she was treated in an unprofessional manner with any of our representatives here at National Debt Holdings as this is not the behavior that is representative of our company values.  However, it does appear in the context of **************** complaint that this complaint should not be filed against National Debt Holdings.
  Our commitment to customer satisfaction remains unwavering and we feel as if we, here, at National Debt Holdings, have made every effort to provide **************** with the assistance that was requested.  We are eager to resolve this matter and promptly bring **************** concerns to resolution.
  Please make note that National Debt Holdings business hours are Monday through Friday, 9:00 am 5:00 pm est.

  Customer response

  02/19/2024

   
  Complaint: 21271652
  
  I am rejecting this response because:

  They have not responded to my request to speak to someone in their compliance department. I also requested a new updated payment plan for 50 a month, not 100. No one has followed up on that. 
  
  Sincerely,
  
  *******************************

  

  Business response

  02/23/2024

  We would like to confirm that National Debt Holdings has promptly provided **************** with all requested information via *** on 02/14/2024,accompanied by tracking details and a required signature.  Enclosed herewith, please find the receipt and proof of delivery, which confirms that the documents were successfully delivered on 02/16/2024.
  Throughout the course of this matter, **************** has engaged with multiple members of National Debt Holdings team, including a member of our compliance team, and every effort has been exerted to assist **************** comprehensively.  To ensure transparency, we are attaching a letter for **************** records.
  After careful consideration, we have made the business decision to close the account in question, and there will be no further activity associated with it.  While we maintain our stance that there has been no wrongdoing on our part, we believe that this resolution should bring closure to this matter.

• Initial Complaint

  01/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The account is not mine I asked them to validate the debt and they couldnt. I am not reliable for this debt with National debt holdings I do not have a contract with National debt holdings. They did not provide me with the original contract as I requested. I have not supplied proof under the doctrine of estoppel by silence, ********** v ******* (mo) 281 SW *******, I presumed that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.Per 15 USC **** Section 602 States I have the right to privacy.15 USC **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.

  

  Business response

  01/29/2024

  National Debt Holdings can confirm that we acquired the consumers account however, as previously communicated National Debt Holdings does not report to any credit reporting agencies. As requested by the consumer, please see the attached documentation, the original executed loan agreement to dispute the validity of this claim.  Please be advised that this information was also provided in the **** complaint that the consumer filed on January 19th, 2024.  Also, in reviewing the information that the consumer provided in this complaint, it only states that the account was 'SOLD' to 'National Debt Holdings'.  Again, we do not report to any credit reporting agencies as we have communicated multiple times, and we are not able to make a correction on a consumer's credit report if we are not the company that reported it.  We appreciate the opportunity to respond and have provided the consumer the original executed loan agreement that the consumer is claiming they have requested and not received.

   

   

• Initial Complaint

  10/10/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  so i reached out to national debt holdings on 9/26/2023 because i got several texts from my family about this company than i did speak to ******* and she did say what i needed to do but they still kept calling but come to find out it was credit link management calling which i did reach to them also to stop contacting my family and i also told both parties to send the original contract from the original creditor which neither of them have sent. Credit link was in charge of the account than *************************** from national debt holdings told me on 10/4/2023 the account was no longer with the ageny credit link management and that my account was pulled back to national debt holdings and she stated they would send the original contract from the original creditor which they never actually did and i she said that it was not them calling my family which i found out it was credit link mangement but when i tried to reach them they said no longer in business so. they never sent the original contract or the payment history or when the original debt was sold to them so they should not be contacting my family credit link management for that matter especially if my account is not with them anymore i need them to send the original contract and they never sent anything

  

  Business response

  10/11/2023

  Hello,
  The consumer is correct, she did request a copy of the original contract. The process starts with us requesting a copy from the original lender,we did so, it takes up to several weeks for the copy to be provided so that is the reason why the consumer has not received it. We now have been provided that copy today and I have emailed the copy onto the consumer for her review. When she is ready to discuss the account, she can call us at ************ as we have advised her prior and we will be happy to help her. Thank you.

  

  Business response

  10/11/2023

  I personally have remained in contact with this consumer, and she knew we requested the original contract, advised her it could take up to 30 days till we received the copy. We actually received it today, so I personally sent it to her this morning. The account is no longer receiving any calls and is in our office awaiting the consumer to contact us when she is ready. Our BBB relationship is very important to us, and we strive to be the utmost professional in all of our business relationships.  We have been in constant contact with this consumer as she mentions in her "complaint", so we are hoping this does not appear online as a complaint that counts against our business review which we hold in high regard.  Thank you. 

• Initial Complaint

  09/14/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with National debt holdings. I do not have a contract with this company. They did not provide me with the contract as I requested. I want this removed off my credit report

  

  Business response

  09/15/2023

  Hello,
  National Debt Holdings is a passive debt buyer. We do not contact consumers by phone, text, email or regular mail. In an attempt to help this consumer our data base has been searched and we have close to 200 consumers with this same name ***************************. We purchase debt on a regular basis and in purchasing the debt we have signed a contract with the original lender which now makes us the owner of the debt. If ******************** would like to call us at **************, once we verify, he is the correct party he can then requests a copy of his original contract. We will then request the contract from the original lender.

  Customer response

  09/15/2023

  I am not satisfied with that answer

  Customer response

  09/15/2023

  I am not satisfied with that answer

  Customer response

  09/15/2023

   
  Complaint: 20596635
  
  I am rejecting this response because: Its not my debt
  
  Sincerely,
  
  ***************************

  

  Business response

  09/29/2023

  Hello,

   

  As I advised in our previous response, we cannot share personal information with anyone other than the consumer. We have combed through our records, and we do not have anyone that matches this consumer email address. We have many duplicate consumers with the same name. The consumer will have to call us to verify some secure information before we can help him. He mentions a credit report, we do not report to any credit reporting bureaus. The consumer also mentions he did not take out this loan, so we have to assume he is stating its fraudulent, so if he is stating it is fraud then he needs to do the following:

  File a police report.

  File with the original lender so they can open an investigation.

  File with the *** and fill out their fraud documents.

  File with the ************************** at ss.gov to flag his number.

  Without being able to verify who this consumer is I cannot offer any more help other than what I have previously advised for the consumer. Again, he can call us at ************, once we verify he is the correct party we will be happy to help him.  Thank you. 

• Initial Complaint

  06/27/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ********, I do not have a contract with National Debt Holdings, they did not provide me with a contract as I requested.

  

  Business response

  06/29/2023

  Hello,
  
  National Debt Holdings is a debt buyer, not a collection agency. We have not had any contact with this consumer. He did not request any contract from our office, however in an attempt to help the consumer we will gladly request a copy of the original contract from the original lender Wiseloan. It's not clear why the consumer states he is not liable for this debt from Wiseloan. If the consumer is alleging fraud, he will need to do several things to prove the fraud. 1) Contact Wiseloan so they can open an investigation to track the funds. 2.) File a police report 3.) File documents from the ftc.gov website and provide copies of all the documents to National Debt Holdings so we can also open an investigation to determine how to proceed. National Debt Holdings purchased this consumers account from WiseLoan which means we would own the consumers contract and if we decide to sell the contract to another debt buyer the consumer would then owe that debt to the new buyer. We are happy to help the consumer. We again will order the original contract, once we receive it, we will send the consumer a copy to his email provided on this complaint. As far as  ******** showing on his credit report, we, National Debt Holdings, DO NOT report to the credit bureaus so therefore we have no power to remove the report. WiseLoan is the lender reporting to the bureaus on this loan and unless the consumer can provide proof of fraud the report will remain from 2 to 10 years depending on the type of report, the consumer can look this information up online with the 3 credit bureaus. However, payments made in full or settled will also show on the credit report as such as the 3 credit bureaus update monthly. Please advise the consumer to give us a call once he looks over his contract and we will give him the account information and the agency name and contact number he will work with at that time. Our office number is ************ open from 9am to 5pm M-Fri. Thank you.

  Customer response

  06/30/2023

   
  Complaint: 20246411
  
  I am rejecting this response because:

  1)  It is not the burden of the consumer to prove fraud.

  2) I have no knowledge of this account.

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

  

  Business response

  06/30/2023

  This is not a courtroom so there is no burden of proof. Wise Loan reported the delinquent loan to the credit bureaus, and they have a strict policy prior to lending funds therefore they have proof of funds being deposited into the consumers Navy ************************* account as well as a copy of his driver's license etc. so, the consumer will need to deal with them directly about the report. If no documents are provided showing fraud, then the account will remain an open account. The consumer can expect to receive a copy of the contract he signed in his email within the next week or so. At this time this is all we can offer to the consumer.  Thank you.

  Customer response

  06/30/2023

   
  Complaint: 20246411
  
  I am rejecting this response.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  06/26/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with WISELOAN I do not have a contract with NATIONAL DEBT HOLDINGS, they did not provide me with the original contract as I requested.

  

  Business response

  06/26/2023

  Hello,

  National Debt Holdings is a debt buyer, not a collection agency. We have not had any contact with this consumer. She did not request any contract from our office, however in an attempt to help the consumer we will gladly requests a copy of the original contract from the original lender Wiseloan. Its not clear why the consumer states she is not liable for this debt from Wiseloan. If the consumer is alleging fraud she will need to do several things to prove the fraud. 1) Contact Wiseloan so they can open an investigation to track the funds. 2.) File a police report  3.) File documents from the ftc.gov website and provide copies of all the documents to National Debt Holdings so we can also open an investigation to determine how to proceed. National Debt Holdings purchased this consumers account from WiseLoan which means we would own the consumers contract and if we decide to sell the contract to another debt buyer the consumer would then owe that debt to the new buyer. We are happy to help the consumer. We again will order the original contract, once we receive it we will send the consumer a copy to her email provided on this complaint. As far as this Wiseloan showing on her credit report, we, National Debt Holdings, DO NOT report to the credit bureaus so therefore we have no power to remove the report. WiseLoan is the lender reporting to the bureaus on this loan and unless the consumer can provide proof of fraud the report will remain from 2 to 10 years depending on the type of report, the consumer can look this information up online with the 3 credit bureaus. However payments made in full or settled will also show on the credit report as such as the 3 credit bureaus update monthly. Please advise the consumer to give us a call once she looks over her contract and we will give her the account information and the agency she will work with at that time. Our office number is ************ 9am to 5pm M-Fri. Thank you.

*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. ↩