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:11/19/2023

  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.

  I am not liable for this debt with NTL RECOVERY AGENCY. I do not have a contract with this collection agency. They did not provide me with the original contract as requested and forced me to pay them.

  Customer Answer

  Date: 11/20/2023

  This request was made via phone call. 

  Business Response

  Date: 11/27/2023

  Dear *******,
  

  We are in receipt of the consumer's complaint.
  

  We are unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter, providing any information without the consumer's consent could be a violation of federal laws.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:11/14/2023

  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.

  am aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See United States v. ***, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. § 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in § 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim.

  Business Response

  Date: 11/17/2023

  Dear *******,
  

  We are in receipt of the consumer's complaint.
  

  We are unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter, providing any information without the consumer's consent could be a violation of federal laws.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:11/12/2023

  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.

  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

  Date: 11/16/2023

  Dear *******,
  

  We are in receipt of the consumer's complaint.
  

  We are unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter, providing any information without the consumer's consent could be a violation of federal laws.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:11/08/2023

  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.

  Dear NRA Group LLC; You violated §1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action; You violated §1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of § 1692e; You violated §1692e(2)(A) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client; You violated § 1692e(5) of the FDCPA by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client; You violated § 1692g(b) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumer’s right to dispute the debt with the language it used in the Collection Letter; and You violated § 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. As a result of the foregoing violations of the FDCPA on this matter, I demand an immediate deletion of this account from all credit reporting agency, and I’m seeking the following: Statutory damages of $1,000.00 pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692k; Actual damages pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692k; and Costs and reasonable attorneys’ fees pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692k; I demand an immediate removal of this account effective today

  Business Response

  Date: 11/16/2023

  Dear *******,
  
  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information.  Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control.
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  ******************************
  Compliance Agent 
  NRA Group, LLC

• Initial Complaint

  Date:11/08/2023

  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.

  This company put a collections on my account that was inaccurate. I had to go through 5 companies to even figure out where this bill came from. Come to find out the original company has to redact it but trying to get this company to call the credit bureaus isn't happening. They brought my credit score down over 101 points but they aren't in a rush to fix their mistake. This has caused me financial and mental hardships. I need this removed not tomorrow but today. It's very quick to put it on my credit but they act like they have to jump through hoops to take it off.

  Business Response

  Date: 11/10/2023

  Dear *******,
  
  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information.  Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control.
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  *****************************
  Compliance Agent 
  NRA Group, LLC

  Customer Answer

  Date: 11/29/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.  I still do not agree with this company trying to verify a false account on credit previously. 
  
  Regards,
  
  *********************
  

• Initial Complaint

  Date:11/07/2023

  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.

  I’m not liable for this dept with national recovery agency. They have not provided me with original contract nor have authorized any contract with them. I demand this account to be removed from my credit report.

  Business Response

  Date: 11/10/2023

  Dear *******,
  

  We are in receipt of the consumer's complaint. Despite the claims of the consumer, We are still unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter providing any information without the consumer's consent could be a violation of federal laws. Details will be mailed directly to the consumer at the address provided within this complaint. If the consumer wants us to disclose information through this forum then we will need consent to do so. Please review the attached form. We apologize for the inconvenience.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LL

• Initial Complaint

  Date:11/06/2023

  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.

  They sent me someone else's medical information and when I tried letting them know they denied it and said it had to be another agency when the top of the paper says national recovery agency. I live in New york the paperwork I received for the other lady lives in Texas. They are all very rude and don't listen. They don't accept responsibility.

  Business Response

  Date: 11/21/2023

  Dear *******,
  
  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information.  Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control.
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  *****************************
  Compliance Agent 
  NRA Group, LLC

• Initial Complaint

  Date:11/02/2023

  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.

  National Recovery Agency works as a collector for National Grid. They have had all the information requested by them since March of 2023. They have ignored my attempts to show just cause why this collection should be removed. The supervisor who I’ve spoken to ***** (he said his name was) has ignored my call backs to give me a status update. It has been 8 months with this agency. And 2 years on my credit and me fighting the fraud!

  Business Response

  Date: 11/06/2023

  Dear *******,
  
  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  Based on our records the referenced account was closed in our office and returned to the creditor on November 3, 2023.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information.  Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control.
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Customer Answer

  Date: 11/06/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  *************************
  

• Initial Complaint

  Date:10/31/2023

  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.

  This collections agency National Recovery Agency reported a past due ******** **** bill to the credit bureaus on 03/20/2023. I had disputed this account with them as I never received a debt validation letter and advised them that I had moved from the state of New York two years ago. I did not receive a debt validation letter and they kept calling and texting me about the debt which I did not agree to them texting me about a debt that I did not owe. I also told them I never had a contract with ******** ****, when I was living in New York the department of social services sent payment directly to ******** **** and another government agency also paid ******** **** directly in the winter months. I called ******** **** they told me it's in collections there's nothing they can do. I called NTL RECOVERY AGENCY last week and told them this was not my debt, I did not live at the residence in New York as Im in a whole other state and the lady advised me to "submit a dispute" and she would text me the information. All she texted me was a debt settlement offer! I have yet to receive the debt validation letter and I was also awarded a settlement in the ******** **** TCPA lawsuit for debt collection practices used by this company. I am requesting this immediately be removed from my credit report as there is no debt validation letter and I am not responsible for this debt I have had no contract with ******** ****.

  Business Response

  Date: 11/06/2023

  Dear *******,
  
  We are in receipt of the consumer's complaint.
  
  We are unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter, providing any information without the consumer's consent could be a violation of federal laws.
  
  Sincerely,
  
  *****************************
  Compliance Agent 
  NRA Group, LLC

  Customer Answer

  Date: 11/14/2023

  THEY STATED I DIDNT GIVE THEM PERMISSION TO REPLY ON A PUBLIC FORUM AND I DO I NEED THIS SETTLED IMMEDIATELY. 

• Initial Complaint

  Date:10/17/2023

  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.

  *********************************** ***************** *********** Statement Date:10/16/2023 Total Due:$970.00 Dear ***********************************,Creditor acct- **************** NRA account- ********. Thanks for hearing my complaint. I recently got a hospital bill 2 months ago for a workers comp bill that supposedly wasn't paid by workers comp.When I initially got the email I immediately called the insurance company who then called the collection agency, with me on 3 way, 2 and a half weeks ago. It was then, supposed* to be put on a insurance hold. where the insurance company took responsibility for the bill; and the bill couldn't be put on my credit report. Fast forward to now, and they still put it into collections on my credit report today 10/17/2023. I called the adjuster, and she told me that they weren't communicating with her, and all she needed was the bill* to pay the 970 dollars. Both the collection agency, and insurance company said it was being taking care of, but the agency still won't take it off my credit report. Please help me. I can't afford to have this on my report thank you very much, and have a blessed day.

  Business Response

  Date: 10/18/2023

  Dear *******,
  We are in receipt of the consumer's complaint.Despite the claims of the consumer, We are still unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter providing any information without the consumer's consent could be a violation of federal laws. Details will be mailed directly to the consumer at the address provided within this complaint.If the consumer wants us to disclose information through this forum then we will need consent to do so. Please review the attached form. We apologize for the inconvenience.
  
  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Customer Answer

  Date: 10/19/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  Whatever has been disclosed should be shared with the BBB. I shouldn't have to respond with a hippa form in writing. That would of course prolong the effects that it has already had on my credit report. The creditor should have NEVER put this account into collections, ruining my credit. It is clearly being taking care of by the workers comp insurance adjuster. This is a clear indicator of cohersion, and blackmail.
  
  Regards,
  
  *******************************
  

  Business Response

  Date: 11/13/2023

  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information.  Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control.
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC
  

  Customer Answer

  Date: 11/14/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  They still haven't taken it from my credit report. Last time a collections was taken off it automatically was taken off my credit report. I my credit has already suffered long enough. The insurance company has offered to pay the bill for the 2 months, and the creditors won't send the original bill so they can pay it. 
  
  Regards,
  
  *******************************
  

  Business Response

  Date: 12/11/2023

  Dear *******,
  
  We are in receipt of the consumer's complaint.

  While we understand the Consumer's frustration with the credit reporting process. This organization has already stopped reporting  the account at issue to the credit reporting agencies, and have requested that this account be removed from the Consumer's credit reports. However, as previously stated in our prior response to this consumer, consumer reporting agencies may take 30 to 90 days to update consumer reports and this is beyond our control. Unfortunately as such, as we are unable to take any further action in order to speed up the removal of this account from the Consumer's credit report, there is no further action this organization can take to meet the request of the Consumer. We apologize for any inconvenience.

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC