ComplaintsforNational Credit Adjusters, LLC

Collections Agencies

View Business profile

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Complaint Details

Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

Initial Complaint
07/28/2024
Complaint Type:
Billing Issues
Status:
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.
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I’m entitled to 1,000 dollars per violation and clearly they violated my rights.
Business response
08/02/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
the dent has been validated
Initial Complaint
07/26/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable with this debt with **********. I do not have a contract with NATIONAL CREDIT ADJUST, they did not provide me with the original contract as I requested.
Customer response
07/29/2024
Confirming here this was done on my own personal behalf as this company has not provided me with the requested details concerning this account. Please proceed with this filing as I do understand the severity and want to move forward with the filing of this complaint due to not being liable for this account and not receiving the necessary information as requested. Thank you so much!
Business response
08/02/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
THE DEBT HAS BEEN VALIDATED
Initial Complaint
07/20/2024
Complaint Type:
Billing Issues
Status:
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.
I'm not liable for this debt with NATIONAL CREDIT ADJUST. I do not have a contract with ********** agency, they did not provide me with the original contract as I requested.
Customer response
07/23/2024
Clarification Response to BBB
Dear Better Business Bureau,
I am writing to provide additional information and clarification regarding my complaint against National Credit Adjusters, LLC, originally filed on July 20, 2024 (Complaint ID: ********).
Background:

Debt Information:
The original creditor for this debt is **********.
The debt was transferred to National Credit Adjusters, LLC.
I have since settled this debt with Halsted Financial Services, LLC, which is verified in the attached letter from Halsted dated July 17, 2024.

Issue:
Despite having paid off the debt in full, the account is still being reported on my credit report, which is adversely affecting my credit score.
********** has not confirmed the payment, and the erroneous account remains on my credit report.

Request for Resolution:
I am requesting that the Better Business Bureau assist me in ensuring that National Credit Adjusters, LLC and ********** update their records to reflect the paid status of this debt and remove the account from my credit report. This correction is urgent as I need a clear credit report to apply for business credit.

Attached Documentation:
Proof of payment from Halsted Financial Services, LLC, indicating that the debt has been fully satisfied.

Impact:
The presence of this inaccurate information on my credit report is hindering my ability to secure business credit, as lenders will evaluate my personal credit history.
I appreciate your assistance in resolving this matter promptly.
Business response
07/31/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
the debt has been validated
Initial Complaint
07/20/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for the debt with LOAN BY PHONE DBA CHECK INTO CASH. I do not have a contract with the collection agency NATIONAL CREDIT ADJUSTERS, L.L.C, they did not provide me with the original contract as I requested.
Customer response
07/22/2024
Sorry, duplicate submission were due to accidental mistake. Only one request should have been submitted
Business response
07/31/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
the debt has been validated
Initial Complaint
07/19/2024
Complaint Type:
Billing Issues
Status:
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.
I'm not liable for this debt with National Credit Adjusters, They did not provide me with the original contract as requested.
Customer response
07/22/2024
National Credit Adjusters LLC did not provide me with the original contract as requested so because of that I believe that I am the not the owner of this debt and its not my responsibility to pay it off.

Please remove this from my credit report as soon as possible.

Business response
07/31/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
debt has been validated
Initial Complaint
07/19/2024
Complaint Type:
Billing Issues
Status:
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.
To Whom It May Concern, I have reviewed my credit report and found that your company is reporting an account under my name. I do not recognize this company, nor the alleged debt you claim I owe. I have not entered into any contract with your company that includes my wet signature. As such, I demand immediate validation of this debt in accordance with FDCPA requirements. Provide a contract or agreement bearing my signature that indicates I agreed to this debt. This account is fraudulent and has caused significant harm to my credit score, reputation, and borrowing ability. Credit reporting laws are clear: data furnishers, creditors, and debt collectors must report only 100% accurate information. Your company is failing to comply with these laws, and I insist that this information be re-investigated immediately. Account number ******XXXXX THIS ACCOUNT IS NOT MINE I demand that you provide the method of verification used by your company under the FCRA. Specifically, I require the original application, contract, note, or other instrument bearing my signature. If you cannot provide such documentation, this fraudulent account must be deleted from my credit report without delay. You are hereby notified that you have thirty (30) days to complete your re-investigation as required by federal law. Furthermore, a description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen (15) days of completing your re-investigation. Failure to comply with these demands will leave me with no choice but to pursue legal action against your company for defamation of character and violation of the Fair Credit Reporting Act. This includes, but is not limited to, filing a lawsuit to seek damages for the harm caused to my reputation and creditworthiness. I expect your prompt and thorough attention to this matter.
Business response
07/24/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
the debt is validated
Initial Complaint
07/11/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with National Credit Adjusters L.L.C. I do not have a contract with this collection agency, and they did not provide me with an original contract as requested.
Customer response
07/11/2024
I am unaware of National Credit Adjusters LLC as I have never spoken with anyone from this business or signed up for any services. I have attempted to dispute this account and gotten no reply response from them. Since I am not aware of this company I would like for them to remove themselves from my credit report immediately.
Business response
07/15/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
the debt has been validated
Initial Complaint
06/20/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with **********, I do not have a contract with National Credit Adjust, they did not provide me with the original contract as I requested.
Customer response
06/21/2024
I didn’t know that I wasn’t supposed to word them the same. I just had two of the same issues and wanted to make a complaint.
Business response
07/01/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
Initial Complaint
06/11/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with NATIONAL CREDIT ADJUST, I do not have a contract with NATIONAL CREDIT ADJUST they did not provide me with the original contract as I requested.
Customer response
06/14/2024
I am not liable for this debt , I do not have a contract they did not provide me with the original contract as I requested.
Initial Complaint
06/06/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This account was paid and the creditor removed it from my credit report a few years ago. I checked my ******* credit report a few days ago and the account was added back on my report. National Credit ADJU did not let me know that they would be adding this back onto my credit report The acct was paid & It was removed so I don’t understand why it would be added back onto my credit report. I wasn’t notified from them at all about them adding this back on my report.
Business response
06/14/2024
Please see attachment of NCA's signed response tailored to the consumer's complaint.
the debt has been validated
Customer response
06/17/2024

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,

******** ******

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. ↩

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

Cookies on BBB.org

Need to file a complaint?

Complaint Details

Showing all complaints

Business response

Customer response

Business response

Customer response

Business response

Customer response

Business response

Customer response

Business response

Business response

Customer response

Business response

Customer response

Business response

Customer response

Business response

Customer response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary