Complaints

This profile includes complaints for Nemo's Investigations & Collections's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Nemo's Investigations & Collections

  Phoenix, AZ 85022-4162

• 

  Nemo's Investigations & Collections

  PO Box 30517 Phoenix, AZ 85046-0517

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:02/27/2023

  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.

  They put a medical collections (u701842d929769) on my credit file that is not mine it belongs to my daughter who is over the age of 21 and was a dependant on my insurance policy. When I called Nemo to ask them to remove it they acknowledged the collection was not mine told me that they wont report to transunion until next month (March) then hung up on me. Prior to them hanging up on me I informed them that it was the only thing hurting my credit score and keeping me from securing a home loan at better terms and interest rates. I feel this should be removed from my credit ASAP as it is not mine and they know it is not mine.

  Business Response

  Date: 02/28/2023

  Thank you for giving us the opportunity to correct the human error that was made. We have manually deleted it this morning and it should be off your credit within a few weeks.

  Customer Answer

  Date: 02/28/2023

  A few weeks to remove off my credit is not acceptable (a few = what 1 weeek, 2 weeks, 3 weeks, etc..). I am trying to purchase an investment property and need this removed within 5 business days. Other investors are looking at the property that I want to buy. A few weeks is very vague!! At least provide an exact date as to when ****'s will correct/ report this "human error" to the Credit companies.

  Business Response

  Date: 05/22/2023

  This has been deleted way back in Feb 2023. 

  Customer Answer

  Date: 05/23/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  Date:02/17/2023

  Type:Order 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.

  ******************************** **** N SAINT H**343038333131**3630HHOLAS CIRCLE #** *********, ** ***** Date 2/17/23 NEMO'S COLLECTIONS ***** ************ *******, ** ***** NEMO'S COLLECTIONS- $146 I am in receipt of your companys letter informing me youre handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between (****'S COLLECTIONS } and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me . Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.Failure to respond and provide strict proof of contract will constitute your tactic agreement that you NEMO'S COLLECTIONS are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and ************************* and file a police report against you for harassment and invasion of privacy.You have *********************************************** the event you cant provide strict proof of contract, YOU MUST CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATLEY REMOVE ANY DEROGATORY INFORMATION REPORTED TO THE CONSUMER REPORTING AGENCIES. If you transfer this account to any attorney without providing proof of contract, They will be immediately reported to the state bar association and *************************** for code of ethics violations.

  Business Response

  Date: 02/20/2023

  The documents you requested are being sent out in the morning to the address on St Nicholas Cir.

  Customer Answer

  Date: 02/20/2023

  This company can just upload what was asked in the initial complaint saying youre going to mail some mysterious documents in the mail is NOT acceptable again this company needs to put in a request to all the credit reporting agencies to have this illegal Tradeline removed from my credit report

   

  How does this prove that this debt belongs to me? I do not see my signature here. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything?
  
  
  I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. REQUEST ANY DEROGATORY INFORMATION REPORTED TO THE CREDIT BUREAUS BE REMOVED if I find this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for all applicable damages, as well as for statutory penalties provided under the ***** and FCRA.

  Business Response

  Date: 02/22/2023

  Office policy prohibits sending any sensitive documents through any public forum. They have been sent through the US *************** For authentication purposes you may contact the original creditor, their billing information will also be in the aforementioned documents. 

  Customer Answer

  Date: 02/22/2023

  How does this prove that this debt belongs to me? I do not see my signature here. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything?
  
  
  I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. REQUEST ANY DEROGATORY INFORMATION REPORTED TO THE CREDIT BUREAUS BE REMOVED if I find this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for all applicable damages, as well as for statutory penalties provided under the ***** and FCRA.
  
  

• Initial Complaint

  Date:08/12/2022

  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 have a charge from Nemos debt collection that is hurting my credit. I didnt even know I owed them money or what it is for. No one has sent a **** or even called me. I need this resolved ASAP

  Business Response

  Date: 08/12/2022

  Thank you for your response. Your account was placed with our agency on 8/3/2020. Shortly thereafter our initial letter was sent to the address you gave at the time of service. This letter is sent to inform you of this transition. The letter provides the original creditor information, balance due along with our contact info. We are not privy to medical information, only the basic debt info. This letter did not return as moved, or insufficient address so we have to assume someone has received it. Several messages were left at the above given phone# as well, without response. We understand credit is important and would like to help you get this resolved in a timely manner. I've sent a balance payoff letter to your current address on Timber Way. The letter has several modes of payment options for you and also our contact information so that you may call the office to pay, or if you have further questions or concerns. It is and always has been company policy to comply with the ***** and FCRA. We look forward to a conclusion of this matter.

• Initial Complaint

  Date:06/16/2022

  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.

  My credit score lists an active collections account which has prevented me from taking out loans, getting new credit cards, and it could prevent me from purchasing a home. This is menial amount less than $100 in value, but I can't even pay it because Nemo's Collections does not provide any contact information, nor have they contacted me by phone, mail, or email. I'm not sure if they sent a letter to a prior residence, but I have gotten nothing as it stands and have no way of repairing my credit. This is a $52 charge. I just want someone to reach out to me so I can pay it off and I'd like it removed from my record. I am not accusing anyone of doing anything malicious, I am sure it was just a mix up as I have moved several times in the past year, and I am more than happy to provide my current contact information to complete the transaction, but I just want this off my credit report. This is less than some bar tabs, I hate that it's ruining my life, and I would gladly have paid had I known it was owed.

  Business Response

  Date: 06/17/2022

  Thank you for your contact regarding your file. As you said, this is a small balance account and once it's paid, our office policy on anything under (or around) $50 gets deleted once it's paid. You may call us at ************, or you may use this link: https://secure.transaxgateway.com/HostedPaymentForm/HostedPaymentPage.aspx?hash=QLgB3Jo%2BTRJOxikCcrPPT%2Bkx9awLNTVJj2TQY8u91nE%3D   to get to our online payment portal to pay. If you prefer to mail in your payment, our mailing address is: ****************************************. We look forward getting this resolved.

• Initial Complaint

  Date:05/14/2022

  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 company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on July 10,2021 certified mail no.9214 **** **** **** **** 72, second notice on August 22,2021. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on April 18, 2022. A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. **** violations can often be combined with ***** violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the **** are $500 per violation and up to $1,500 per violation for a purposeful violation. The ***** at 15 U.S.C. ****d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. ****d(5) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

  Business Response

  Date: 05/16/2022

  We have made 2 attempts to make verbal contact with this party. 1st on 7/14/21 @ 11:02:53 and a man answered, refused to say who he was but wanted to know exactly why we were trying to reach *********************************. The law prohibits any debt disclosure to an unidentified person so once the collector wouldnt disclose why hes calling, the party hung up on him. The 2nd attempt was on 4/18/22 where a simple, please call me message was left. We cant make people call us back, and if calls arent returned how will someone know they may be missing out on important information? This letter did not return as moved, so we must assume that it was received. All documents received are noted and all requests for validation of debt are researched and fulfilled. I dont see where these certified letters that are mentioned were signed for. We have no record of any certified letter(s) were received at all on this account. All correspondence from the debtor are linked to their file, certified or otherwise. There are no such letters linked to this file or noted in the notes. Certified letters are signed for upon receipt. Please provide the signature so we can see what disciplinary action needs to be taken so we can devise a better system if our current system isnt working. The ***** provides that we may attempt to contact debtors once within a 7-day period. Weve had this account in our office since 7/1/2021 and made 2 attempts to make contact. None of our attempts have been reciprocated. Validation of these debts have been sent on 5/6/2022. ALL medical services that were provided (description of the services) are redacted for privacy. We do not have access to any medical information and respect the privacy of every individual we encounter.  It is and always has been company policy to comply with the ***** and FCRA and are confident nothing had been said nor done to defraud this company or our clients reputation.

  Customer Answer

  Date: 05/18/2022

  I have no business with this company or any companies associated with them. I have supplied multiple letters which they hav never responded to too cure the offense. This company has called and harassed me on several times. This company has never supplied any proof of any alleged account that I am and have ever been associated with, therefore I need the alleged account that this company has fraudulently place on my credit file removed immediately. 

  Business Response

  Date: 05/19/2022

  VALIDATION of these debts was sent to the ***** Rd address on 5/5/2022. I even noticed you left off the Ste# so I tracked that info down to be sure you'd get it.

  Customer Answer

  Date: 05/19/2022

  This company said it is making "assumptions" in their own statement. ****** I have supplied proof from the certified receipt letters that was signed by their office. This company called and harassed my phone. I have never answered a call from them stating the name "*********************************". I have given them several opportunities to cure the wrong they have done to my personal credit. This company continues to keep a account that doesn't belong to me on my credit report. I have never been in any contract with them or any alleged company on there behalf. If this alleged account they have attached to my credit report isn't removed within 30 days of this complaint, under federal law I will be forced to file suit for the multiple federal violations they have caused to me.