ComplaintsforNational Debt Holdings, LLC

• 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.

• Initial Complaint

  02/20/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have received numerous calls and emails from a 3rd party collector of national debt holdings, PRS. They called threatening lawsuit and wage garnishment, jail etc- all unethical and illegal debt collection practices. They are also refusing to provide accurate debt validation. They have failed to produce an actual contract etc and are sending me an outrageous balance on their company letterhead. They are also refusing to properly identify themselves-again violation of debt collection laws. I've asked them not to but they have continued to contact my family members and friends even though they have my contact information. I'd like this company and their third party to stop contacting me and my relatives and friends and leave me alone.

  

  Business response

  02/20/2023

  Hello,

   

  National Debt Holdings is a debt buyer not a collection agency.  We have had zero contact with this consumer. The consumer appears to not have any idea who is contacting her, no names or calling numbers are mentioned. In researching her name only, it shows this consumer has more than one account, however in order to verify she is the correct party she would need to call us directly for security purposes and we can then give her the accounts information and the collection agencies her accounts may have gone to, we cannot divulge any further information until we can verify, she is the correct party. However, as *************** to this complaint, I see that this consumer called our office today at 11:22am inquiring about her account location. She was given the correct party to call and make payment arrangements with.

  Customer response

  02/21/2023

   
  Complaint: 19435050
  
  I am rejecting this response because:

  The company contacting me is stating it's for an Advance America account that is placed with a company claiming to be called ****************** Services who has engaged in a variety of unethical practices
  
  Sincerely,
  
  *********************************

  

  Business response

  02/22/2023

  National Debt Holdings is confirming that Premium Resolution is the correct collection agency with the consumer's account.  ********** manager has spoken to the consumer and provided the documents the consumer requested for proof of debt as well as proof that they are the agency currently collecting on the debt.  We have provided copies of those same documents for BBB's review. Premium Resolution is a professional agency willing to work with the consumer on her debt and has advised they have provided all the consumer has requested.  The consumer mentions that Advance America advised her of a different agency name with her account but does not mention that name. Perhaps the consumer has other accounts with Advance America that have gone delinquent and that is where the name confusion comes from.  We can verify that the account we have placed with Premium is in fact a *****************/Advance America account with the #*******. We also have a phone call with the consumer that we went over for quality assurance, and we found no issues on that call.  We are happy to provide the call to the BBB if requested. We can also reach out to Advance America to get a copy of the consumer's original contract if she would like a copy. The consumer can feel safe working with Premium on a payment plan that works for her.  We feel we have provided all the information we can to help the consumer.  Thank you.

  Customer response

  02/23/2023

   
  Complaint: 19435050
  
  I am rejecting this response because: Again the information provided by your debt collection agency does not include the contract that I supposedly signed with Advance America. It is solely a letter on their letterhead with an outrageous amount due. No details or anything. According to the ***** you have to provide proof that this debt is owed. This debt is supposedly from 2019 and is near the statue of limitations and your company is just out to make a quick buck. Leaving voicemails threatening to garnish my wages and pretending to be a law firm is unethical and illegal.

  
  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. ↩