ComplaintsforN.A.R. Inc.

• Initial Complaint

  10/01/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with AAA Lenders-AMG. I do not have a contract with North American Recovery ( NAR INC), they did not provide me with the original contract that I requested.

• Initial Complaint

  09/10/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I AM NOT LIABLE FOR THIS DEBT WITH MIDWEST APT MGMT THE COVE APAR, I DO NOT HAVE A CONTRACT WITH North American Recovery INC, they did not provide with the original contract as requested.

  Business response

  09/19/2024

  Dear Keeli Knudson, Business & Consumer Relations,
  
  Thank you for forwarding the complaint you received from Aning Kyeremeh. This shall serve as our official response to their complaint. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Aning Kyeremeh’s allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We would also like to provide some additional information that will shed light on this matter.
  
  In their complaint, Aning Kyeremeh alleges that they are not liable for this account as well that they do not have a contract with North American Recovery and that they have previously requested the contract. Additionally, Aning Kyeremeh is requesting a contract they signed directly with N.A.R. Inc. while Aning Kyeremeh does not have a contract directly with our office, they did enter into an agreement with our client Midwest Apartment Management to receive goods and services with a promise to pay. Aning Kyeremeh failed to uphold their obligations, and their account has since been transferred to our office by Midwest Apartment Management and we transferred the account to our Massachusetts attorney’s office, Figliola & Romano, their contact information is listed below. They will be sending validation documents and any further communication Aning Kyeremeh will need to contact their office because they are representing us on this matter in Massachusetts. Aning Kyeremeh does in fact have a valid and owing debt. We have had no contact with Aning Kyeremeh prior to this complaint. As a professional courtesy, our office has requested to remove this account from Aning Kyeremeh’s credit report.
  
  We invite Aning Kyeremeh to call our attorney’s office, Figliola & Romano, and coordinate paying this balance in full. Their number is 401-289-0404. They can reach attorneys Monday through Friday between 9:00 AM and 5:00 PM EDT.
  
  We now consider this matter resolved and closed.
  
  Sincerely,
  The Complaint Response Team
  North American Recovery
  

• Initial Complaint

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  To Whom It May ********* am writing to formally report North American Recovery for persistent harassment and unethical practices. Over the past 6 months, I have received multiple phone calls from representatives of this company, demanding information about an old roommate in connection with a debt they are attempting to recover. Despite my clear statements that I have no knowledge of the individual's current whereabouts and that I am not responsible for their debt, the calls have continued unabated.These calls have not only been intrusive but have also caused me significant distress. I believe that North American Recovery's actions are in violation of fair debt collection practices, as they are contacting a third party without a legitimate reason and causing undue harassment.Here are the details of the incidents:Date and Time of Calls: 7/2/24; 6/1/24; 6/19/24 Representative Names unknown Nature of Calls: has been harassing me for an individual's information, this is irrelevant, and they need to watch what they say as it will be noted as harassment. I kindly request the BBB to investigate this matter and take appropriate action against North American Recovery for their unacceptable behavior. Additionally, I would like to request guidance on how to ensure that these harassing calls cease immediately.Thank you for your attention to this serious matter.Sincerely,*********************************

  Business response

  07/03/2024

  Dear *************************, Business & Consumer Relations,
  
  Thank you for forwarding the complaint you received from *********************************. This shall serve as our official response to his complaint. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into ****************** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We confirmed that all of our interactions with ****************** were professional and respectful at all times and we treated him with dignity. We would also like to provide some additional information that will shed light on this matter.
  
  In his complaint, ****************** alleges that N.A.R. Inc. is consistently harassing him and is using unethical practices. ****************** states that over the span of 6 months he has received numerous phone calls from our office demanding information about an old roommate. These allegations are entirely false. ***************** was contacted by phone on 07/02/2024. There were only 2 phone calls ever made by our office and they both took place on that day. We appreciate ***************** willingness to confirm the information our representative was requesting. He did not ask to no longer be contacted by our office. Regarding ****************** allegations that we are in violation of the Fair Debt Collections Practices Act, the ***** specifically allows collection agencies to contact third parties to confirm that we have the correct location information for a consumer. As a professional courtesy we have placed ****************** phone number on our do not call list, he will no longer be contacted by our office via any medium.
  
  We now consider this matter resolved and closed. If ****************** has any further questions, please contact our office Monday through Friday 8 AM to 5 PM MST.   
  
  Sincerely,
  The Complaint Response Team
  North American Recovery
  

  Customer response

  07/07/2024

   
  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.
  

  I wish to not be contacted from NAR ever again. 
  
  Sincerely,
  
  *********************************

• Initial Complaint

  03/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  a person named ******* keeps calling past family from a previous marriage and friends asking for my info he continues to harass them about me. it appears he is stalking. this is not my debt it was paid by medical insurance this needs to stop before we file a police report he should not be asking or telling nonfamily members about me.

  Business response

  03/22/2024

  Dear ******************, Business & Consumer Relations,
  
  Thank you for forwarding the complaint you received from *********************. This shall serve as our official response to his complaint. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Mr. ***** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We confirmed that all of our interactions with ************ were professional and respectful at all times and we treated him with dignity. We would also like to provide some additional information that will shed light on this matter.
  
  In his complaint, ************ alleges that we contacted family members to harass or stalk him, this is false. Mr. ***** family was contacted in an attempt to confirm and correct his contact information. We want to assure ************ that at no time was any account information disclosed or the fact that ************ even has an account with our office.
  
  Additionally,************ alleges that this account was paid by his medical insurance, this claim has been investigated and we have been unable to confirm any of his insurance information. If ************ has any supporting documentation to show that this account was previously paid, we invite him to send that information to our office.
  
  Thank you for your time and efforts regarding this matter. Based on our conclusions,we now consider this to be a closed issue and invite ************ to call our office Monday through Friday 8 AM to 5 PM MST to arrange for payment in full of his account in the amount of $1,311.05.
  
  Sincerely,
  The Complaint Response Team
  North American Recovery
  

  Customer response

  03/22/2024

   
  Complaint: 21453884
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

• Initial Complaint

  03/13/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ventra health mountain west. I do not have a contract with Nar Inc, they did not provide me with the original contract as I requested

  Customer response

  03/13/2024

  I cannot provide documentation. I never received any clarification from the creditor showing proof of what the debt was for.

  Business response

  03/13/2024

  Dear ******************, Business & Consumer Relations,
  
  Thank you for forwarding the complaint from *******************************. This shall serve as our official response. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into ********************** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We confirmed that all of our interactions with ******************** were professional and respectful at all times,and we treated her with dignity. We would also like to provide some additional information that will shed light on this matter.
  
  In her complaint, ******************** alleges that she is not liable for this debt with Ventra Health, but never indicated this on any interaction we had with her. ******************* did not provide any supporting documentation to back her claim. ******************* also states in her complaint that she does not have a contract with N.A.R. Inc., which is true. Although ******************** does not have a contract with N.A.R. *** she instead entered into an agreement with Ventra Health stating that she would pay for the services she received. ******************** failed to uphold this obligation and her account was legally and lawfully assigned to our office.
  
  Additionally,******************** alleges that she has requested the original contracts and we have failed to provide these documents. This is false, validation via any medium was never requested until this complaint was received by our office. Since we have received this complaint, we have supplied ******************** with validation documents to the email she provided in her initial complaint. In regard to ********************** desired resolution and credit reporting, once ******************** pays her account in full,we will report the account to the credit bureaus as paid in full.
  
  Thank you for your time and efforts regarding this matter. Based on our conclusions,we now consider this to be a closed issue and invite ******************** to call our office Monday through Friday 8 AM to 5 PM MST to arrange for payment in full of her account in the amount of $902.43.
  
  Sincerely,
  The Complaint Response Team
  North American Recovery
  

• Initial Complaint

  03/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Called to settled a debt and asked to speak to manager and never got a real manager. I had a debt with ******************* and they offered my 40% of the total debd to settle it *** new new american funding will not offer anything.

  Business response

  03/12/2024

  Dear ******************, Business & Consumer Relations,
  
  Thank you for forwarding the complaint you received from ***********************************. This shall serve as our official response to her complaint. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Ms. *********** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We confirmed that all of our interactions with ************************ were professional and respectful at all times and we treated her with dignity. We would also like to provide some additional information that will shed light on this matter.
  
  The first communication weve ever received from ************************ was an inbound call requesting a settlement. She was notified of our company policy against settling our accounts. She requested to speak with a manager, once again, being informed of this policy and was offered a reasonable payment arrangement to which ************************ declined and stated would file a complaint instead.
  
  In her complaint, ************************ alleges that N.A.R. would not offer a settlement.Which is true, N.A.R. has made the business decision to not settle accounts. We invite ************************ to call our office and speak with one of our agents who would be happy to set up a reasonable payment plan.
  
  We now consider this matter resolved and closed. If ************************ has any further questions, we invite her to call our office Monday through Friday 8 AM to 5 PM MST.
  
  Sincerely,
  The Complaint Response Team
  North American Recovery

  Customer response

  03/12/2024

   
  Complaint: 21415661
  
  I am rejecting this response because: I would like to settle for 50% of the balance and which I was previously offered
  
  Sincerely,
  
  *************************************

  Business response

  03/13/2024

  Dear BBB Dispute Resolution Team
  
  This response is in regard to your message pertaining to further correspondence you received from Ms. *********************************** regarding complaint ID ********.
  
  While we always strive to resolve every complaint, we respectfully disagree that *********************** has grounds for a complaint. Our company has complied with all federal and state laws regarding debt collection in our interactions with ************************.She has no grounds for a complaint as this response will clearly demonstrate. 
  
  *********************** may have previously received a settlement offer from a different agency, those offers are no longer valid. The account is now in our office, and it is North American Recoverys company policy to not settle any account. ******************* has assigned Ms. *********** debt to **********. ************************ does, in fact owe this debt, and we fully expect her to pay the account in full to our office.
  
  We invite ************************ to call and coordinate paying her balance with one of our agents. Our number is ************. She can reach one of our agents Monday through Friday between 8:00 AM and 5:00 PM MST.
  
  We now consider this matter resolved.
  
  Sincerely,
  The Complaint Response Team
  North American Recovery
  

  Customer response

  03/14/2024

   
  Complaint: 21415661
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************************

• Initial Complaint

  02/18/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with north American recovery .I do not have a contract with this collection agency (North American recovery) ,they did not provide me with the original contract as requested. However due to the lack of knowledge at the time I paid north American recovery $1,727.98 so not only did I pay an agency that was undeserving as a matter of law. My privacy was breached and personal information is still being reported against my will. Also the original creditor (Merrick bank) claims my account is completely out of there control and grasp at this point because as stated above my account was sold illegally without my written consent.

  Business response

  02/19/2024

  Dear BBB,
  
  Thank you for forwarding the complaint you received from ***** ******. This shall serve as our official response to his complaint. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Mr. ******’s allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We would also like to provide some additional information that will shed light on this matter.
  
  In his complaint, Mr. ****** alleges that he does not have a contract with N.A.R. Inc. But Mr. ****** entered into an agreement with Merrick Bank to receive goods and services, to which he agreed that he would be liable for that account. Mr. ****** failed to uphold his obligation and his account was forwarded to our office as a result. This account was legally assigned to N.A.R. on behalf of Merrick Bank. Mr. ****** alleges he has attempted to seek proof of validation from our office, but we have failed to provide any documents. He is also alleging that we have breached his privacy and personal information is still being reported against his will. With respect, Mr. ******’s allegations are 100% false. Mr. ****** has never requested validation of his debt from our office via any medium nor did he state that he was never liable for this bill. N.A.R. Inc, is legally and lawfully allowed to collect this debt on behalf of Merrick Bank.  
  
  The first communication we’ve ever received from Mr. ****** was an inbound call requesting a settlement, and was notified of our company policy against settling our accounts. Mr. ****** later called in and paid in full.
  
  Lastly, regarding Mr. ******’s demands that we remove this from his credit report as his desired resolution, we will, in fact, report his account as paid in full to Merrick Bank, any further questions regarding Mr. ****** credit report would need to be directed to Merrick Bank. We will not refund Mr. ******.
  
  We now consider this matter resolved and closed. If Mr. ****** has any further questions, we invite him to call our office Monday through Friday 8 AM to 5 PM MST.
  
  Sincerely,
  The Complaint Response Team at North American Recovery
  

• Initial Complaint

  09/27/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am trying to handle a debt with ******************* that was never my debt to begin with. This keeps popping back up with new debt collectors every year or two and I shouldn't have to keep paying it over and over and over again. I received an email last night from NAR saying that they aren't accepting any of my documents as fraud and they want me to pay it. Fine. I was always fine with that however I do not want and shouldn't have another collection agency calling me in a year and telling me that I still owe it and that these conversations never took place. The email I received has a point of contact of someone who doesn't even work there anymore. Red flag 1. I called and spoke to someone else, simply asked that I could get something in writing to show this was taken care of and assured it won't come up again (as it has over the last 7 years) and she said no. ******************* does that and NAR won't be providing that. That is not only unfair but I don't believe it's legal. I attempted to contact velo law office and they are so rude and uncooperative I've also filed complaints and sent calls recordings over to the *** and state attorney generals office. I want to get this taken care of NOW but I shouldn't have multiple places contact me with the same debt. I was called in the summer saying ********* also has this debt. So I don't know where it is and who is the right person to pay anymore but the incorrect name and info gives me red flags.

  Business response

  10/03/2023

  Better Business Bureau
  
  To Whom It May ************************* the complaint filed by: *********************************
  
  Our office has conducted a thorough investigation into the allegations made by *************************************. Our investigation confirmed that we have not violated any state or federal laws and that all of our interactions with ************************************* have been fully within all applicable laws. This will serve as our official response.
  
  We wanted to take some time to provide additional details in order to more clearly explain our interactions with ************************************* regarding her account. ************************************* has disputed her account with our office and we have provided her with the required documents that validate her debt. In addition, ******************* has also processed her fraud claims and have determined the account to be valid and owing.
  
  N.A.R. is happy to supply ************************************* with documentation stating her account has been resolved, once the account has been paid in full.
  
  In regards to **************************** comments stating she has been contacted by multiple agencies, we have confirmed with our client ******************* that the account is currently assigned to our office and that N.A.R. is the agency ************************************* should be paying her outstanding balance to. We invite ************************************* to contact our office at ************ or our toll-free number at ************ to pay her account in full.
  
  We now consider this matter closed. Thank you for your time.
  
  Sincerely,
  The Complaint ****************************************** ****
  

  Customer response

  10/06/2023

   
  Complaint: 20663365
  
  I am rejecting this response because: I am not paying anything without a proper documentation showing I did.  The debt will be then passed on to yet another company who will then claim that this correspondence never took place and that a payment was never made.  That is what I requested.   A proper documentation that this was handled AND I also never received what I asked for when it was in dispute as well (which I was told 3 times I couldn't get and then finally told I would receive and still didnt).  No one said YOU broke a law I said prior to this Velo Law absolutely did and I have several recorded phone calls that no one has asked me for ONCE.  Not once. According to the *** and the state attorney generals office claiming to put a warrant out for a debt is absolutely against the law.  I want something in writing that this is resolved upon payment.  That isn't so much to ask for.  
  
  Sincerely,
  
  ***********************************

• Initial Complaint

  08/11/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am Not Liable for this debt with Merrick Bank or North American Recovery, I do not have a contract with North American Recovery, They did not provide me with the original contract as I requested.

  Business response

  08/15/2023

  Dear BBB:
  Thank you for forwarding the complaint of Mr. *****, this shall serve as our official response.
  We have conducted a thorough investigation into this matter. We have determined that our office has not violated any state or federal laws. We would like to provide additional information that can help shed light on our interactions regarding this matter.
  Mr. ***** contacted our office on 8/11/2023 asking that we let him pay less than what he owes in an attempt to “settle” his account. After being informed we do not settle, and offering various reasonably repayment options, Mr. ***** refused to pay, and requested that we provide validation of the debt. We are currently in the process of gathering the necessary documents that will validate Mr. *****’s account. We will forward these documents on to Mr. ***** as soon as possible. 
  In regard to Mr. *****’s desired resolution, our company did not report this account to any credit bureaus. Therefore, there is nothing for us to delete from any credit bureaus.
  If Mr. ***** has any questions or would like to set up a payment arrangement, we invite him to call our office at ###-###-####. He can reach one of our agents Monday through Friday between 8:00 AM and 5:00 PM MST.
  We now consider this matter resolved.
  Sincerely,
  The Complaint Response Team at North American Recovery
  
  

  Customer response

  08/15/2023

  
  Complaint: ********
  
  I am rejecting this response because: for one I never signed any contract with you stating that I would pay a debt to your organization, when I asked for the original contract between me and your company you couldn't provide one because it doesn't exist because I never signed one.
  
  Sincerely,
  
  **** *****

  Business response

  08/16/2023

  Dear BBB:
  This response is in regard to your message pertaining to further correspondence you received from Mr. **** ***** regarding complaint ID ********.
  While we always strive to resolve every “complaint,” we respectfully disagree that Mr. ***** has grounds for a complaint, and therefore, no complaint exists. Our company has complied with all federal and state laws regarding debt collection in our interactions with Mr. *****. He has no grounds for a complaint as this response will clearly demonstrate.  
  Mr. ***** is correct that he did not sign a contract with N.A.R. Inc. However, as you can see from the attached documents, Mr. ***** did sign an application with Merrick Bank, and in doing so, agreed to the terms and conditions of the account he requested. Those terms and conditions clearly establish the fact that if Mr. ***** is in default on his account, Merrick Bank may assign the rights to collect the debt to another entity. As you can also see by the attached assignment documents, Merrick Bank has assigned Mr. *****’s debt to our agency. Mr. ***** does, in fact owe this debt, and we fully expect him to pay the account to our office.
  We invite Mr. ***** to call and coordinate paying his balance with one of our agents. Our toll-free number is ###-###-####. He can reach one of our agents Monday through Friday between 8:00 AM and 5:00 PM MST.
  We now consider this matter resolved.
  Sincerely,
  The Complaint Response Team at North American Recovery
  

  Customer response

  08/17/2023

  
  Complaint: ********
  
  I am rejecting this response because: I've never seen this contract prior to you guys giving me this, I did not agree to this contract and it does not have my signature on it. I will be contacting you guys in attempts to resolve this issue, but I have not seen or agreed to this contract which gave you guys the right to purchase my debt.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  06/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  NORTH AMERICAN RECOVERY was paid ****** for a ******************* DEBT i was told it would be reported to ******************* on the 7th of june 2022 i inreturned called back to NORTH AMERICAN RECOVERY and was told it would be reported on the 21st i call ******************* on the 20th asking both for a zero balance letter as of yet june 21,2022 i have not recived this letter in the mail or email when called ******************* i was transfered to a ATTORNEY who laughed at me when i told her this is getting stressful to me as to i need that letter for my bank i didn't see anything funny about it

  Business response

  06/22/2023

  Better Business Bureau
  
  To Whom It May ************************* the complaint filed by: *************************
  
  Our office has conducted a thorough investigation into the allegations made by *****************************. This will serve as our response.
  
  Our investigation confirmed that we have not violated any state or federal laws and that all of our interactions with ***************************** have been fully within all applicable laws.
  
  We did initially inform ***************************** that the payment would be reported to ******************* on 06/07/2023, but this mistake was later corrected on 6/14/2023, when we informed ************** that the payment would be reported to ******************* on 06/21/2023 as he indicated in his complaint. We have confirmed with ******************* that the account was reported as paid in full on 06/21/2023. Unfortunately, in his complaint ***************************** indicates he reached out to ******************* on 06/20/2023, a day prior to when ***************************** was notified that the payment would be reported to *******************. We apologize for any frustration ************************* may have experienced.
  
  As a professional courtesy we have emailed ***************************** a letter from N.A.R. showing the account has been paid-in-full. We have also requested ******************* send their letter showing the account as paid-in-full.
  
  Regarding credit reporting, we did not report his account to the credit bureaus.
  
  We now consider this matter closed. Thank you for your time.
  
  Sincerely,
  The Complaint ****************************************** ****
  

  Customer response

  06/22/2023

   
  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. ↩