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:07/07/2025

  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.

  Im not liable for this debt with **********************. I do not have a contract with National Business Fact. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 07/17/2025

  National Business Factors, Inc. of Nevada is a third-party collection agency. We were hired by ********************** to collect a debt that you failed to pay or resolve directly with our client.Please note that your contractual obligation is with REMSA Ground Ambulance.
  This account was assigned to our agency on July 21, 2020.A validation notice was mailed to you on October 27, 2020, and we did not receive any return mail from the **************************** indicating an issue with delivery.
  On January 26, 2021, you contacted our office by telephone and informed us that you intended to file for bankruptcy. You stated that you would call back within 30 days with your attorneys information.However, we did not receive any further communication from you. Despite leaving four follow-up messages, we did not receive a response.
  At no time did you request a copy of your contract or provide any explanation as to why you believe you are not responsible for this debt.

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23558418
  
  I am rejecting this response because:
  I never received any letter in the mail for validation of this debt nor have I spoken to anyone on the phone or email.  I am not responsible for this debt and demand that it be taken off of my credit report. 
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:06/14/2025

  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.

  I am not liable for this debt with charter communications, I do not have a contract with The NBF group inc. they did not provide me with the original contract as i requested

  

  Business Response

  Date: 06/16/2025

  Please be advised that National Business Factors, Inc. of Nevada, does not collect on behalf of **********************. However, our office does have accounts under your name that were placed with us by **************************
  These accounts were on a payment plan until 2022, at which time the payments were discontinued. At no point did we receive a request from you for an itemized statement.
  Please note that the original contract for services is between you and *************************. When payment was not received for services rendered, the hospital assigned the accounts to our office for collection.
  If you would like to discuss your accounts or have any questions, please contact ***** ***** at **************.

• Initial Complaint

  Date:04/07/2025

  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.

  June 27th, 2022 was the day it was open. original charge was $1,472. im not liable to this debt with REMSA GROUND AMBULANCE -IMAGE. I had insurance at the time of this incident. I dont have a contract with NATIONAL BUSINESS FACT.

  

  Business Response

  Date: 04/07/2025

  When you did not respond to REMSAs attempts to contact you, the account was assigned to this office on June 27, 2022, for collection. The date of service was September 3, 2021. An initial notice was mailed to you by our office on July 11, 2022, advising that the account had been placed with us for collection. A validation notice followed on September 12, 2022. Neither of these notices were returned by the ****************************, indicating they were successfully delivered.
  Between May and September of 2023, this office left four voicemails for you, none of which received a response. On April 4, 2025, we did receive a phone call from you in which you requested to settle the account for 50% of the balance. Our representative advised that the best settlement available was $1,794.45. You stated you would call back, and approximately 10 minutes later, you did so offering $1,000 to settle the account. Our representative again informed you that the approved settlement amount was $1,794.45, and if that amount was not feasible, payment arrangements could be discussed. You declined, and the call concluded.
  This account was assigned as self-pay, as ***** did not receive your insurance information. Your contractual obligation remains with *****, as they provided medical services to you on September 3, 2021.
  

• Initial Complaint

  Date:01/18/2025

  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 National Business ***************************************************** I do not have a contract with National Business Factors, ******************************** I was not provided proof of original contract by request. Was sent no bill, no form of communication is available to receive a response. I demand this debt be removed from my credit report.

  

  Business Response

  Date: 01/21/2025

  Tell us why here...This debt was assigned to our office by ********************** on October 28, 2019. On October 29, 2019, a validation notice was mailed to you, and there was no mail returned by the **************************** indicating an issue with delivery. Our office also made five attempts to contact you via voicemail, all of which went unreturned.
  
  To date, we have not received any requests from you for a copy of the itemized statement or the condition of admission/transport notes.
  
  Your contract is with REMSA Ground Ambulance, who provided medical services to you on May 25, 2019. After you failed to respond to REMSAs attempts to address this bill, the account was assigned to our office for collection.

  Customer Answer

  Date: 01/21/2025

   
  Complaint: 22830281
  
  I am rejecting this response because:
  
  I have made multiple attempts to contact they have all been ignored. So yes, you havent sent me an itemized receipt, and no you do not have a contract with me. Nor do I have a contract with resma ground ambulance, because I didnt not sign anything so it would be interesting if they have my signature. So you now tell me why, you sent me a letter in the mail but it never showed up to my address, I never received it.
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:01/15/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed *************************************************** FACT ACCT #: ******* ***. **************************************************** FACT ACCT #: ******* ***. $5,871 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 01/17/2025

  Both accounts were assigned from ***************************************  File ******* was assigned on May 10, 2022.  The initial notice was mailed on May 23, 2022, followed by the validation notice of July 25, 2022.  File ******* was assigned on July 21, 2022, with the initial notice sent on August 1, 2022, and the validation notice mailed on October 3, 2022.  No mail return was received on either of these accounts.
  
  Since these accounts are from a medical provider, I have asked them to you send an itemized statement, this can take up to 35 days. 
  
  Additionally, under 15 U.S.C. 1681g of the Fair Credit Reporting Act, the requirements outlined apply to ************************** National Business Factors, Inc. of Nevada is not a *********************** but a data furnisher.

• Initial Complaint

  Date:12/10/2024

  Type:Service or Repair 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.

  Im not liable with National Business Factors. I do not have a contract with the collection agency trying to collect and report to the credit reports. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 12/10/2024

  There are 16 accounts assigned to our office from ********************************** and ******************************. These accounts were assigned to collections after the providers had exhausted their billing efforts. As the original creditors,********************************** and ****************************** rendered the medical services associated with these accounts.
  Our office has not had any prior communication with you regarding these accounts, nor have we received any requests for additional information.

• Initial Complaint

  Date:12/08/2024

  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.

  I am not liable for this debt with ****** TAHOE HLT HOSP REG EP. I do not have a contract with NATIONAL BUSINESS FACTOR They did not provide me with the original Contract as I requested.

  

  Business Response

  Date: 12/09/2024

  This debt was assigned to our office by ****** Tahoe Health on November 2, 2021. An initial notice regarding this account was mailed on December 10, 2021, followed by a validation notice sent on March 10, 2022. We did not receive any returned mail from the ****************************, indicating that these notices were delivered to the address on file.
  
  ****** Tahoe Health, the creditor in this matter, provided medical services associated with this account. Our office has not had any communication with you, nor have we received any request for additional information. Furthermore, you have not provided an explanation as to why you believe you are not liable for this debt.
  

• Initial Complaint

  Date:11/06/2024

  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 the national Businessfactor. I do not have a contract with national businessfactor, they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 11/07/2024

  TellThis account was assigned to us by ******************************* on July 19, 2023. We sent Ms. ******** the initial notice on July 31, 2023, and followed that with the validation notice on October ******. We did not receive notice from the **************************** of return mail.
  
  Mr. ******** contract is with ******************************** When he did not respond to our clients ********,they assigned the account to us for collection. This office has not spoken to Mr. ********* us why here...

• Initial Complaint

  Date:10/12/2024

  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 writing to formally dispute the collection account reported by NBF Group on my credit report. I am not liable for this debt with NBF Group and do not have a contract with them. Despite my repeated requests, they have failed to provide the original contract verifying that the debt is indeed mine. In addition to the lack of documentation, NBF Group has engaged in practices that seem to be intended as harassment. They continuously renew and re-report this alleged debt, making it difficult for me to manage my credit and causing undue stress. This tactic of repeatedly updating the delinquency date in line with interest charge dates is both misleading and unfair. Furthermore, I have identified several other common issues that many consumers face with creditors, which also apply to my case: Incorrect Reporting of the Debt. The amount they claim I owe is inconsistent with my records. I believe the debt amount has been inflated without any basis. Failure to Validate the Debt: Upon my request for validation, NBF Group has not provided sufficient evidence or detailed statements to substantiate the debt, as required by law. Misleading Information: The account has been reporting missed payments/ increases from interest which has not been addressed, creating confusion and complicating the verification process

  

  Business Response

  Date: 10/17/2024

  Your contract
  is with Barton Healthcare System for medical services rendered.  When you failed to response to Barton
  Healthcare System, they assigned you to our office for collection. 
  
  On February 12,
  2024, you called our office to inform us that the V.A. had paid this bill.  Our representative asked for proof that it
  was paid, and in turn you requested an itemized statement.  You stated that you would forward it to the
  V.A.  Since an itemized statement
  contains health information and to protect your health information this office
  requested the itemized statement be sent directly to you from Barton
  Healthcare.  This office did receive
  confirmation on April 17, 2024, that itemized statement was mailed to you. 
  
  On August 16,
  2024, you called to inquire about on-line options.  Our representative explained the website
  along with the different payment options available.  You then inquired about credit
  reporting.  The representative explained
  that this will remain on your credit until paid in full.  Once paid in full it would be deleted from
  your credit.  However, if it goes unpaid
  then it could remain on your credit for up to seven years.  Interest accrues at the legal rate. 
  
  Should you have
  any questions, please contact our office at 775-883-3700.

  Customer Answer

  Date: 10/18/2024

   
  
  Complaint: 22414892
  
  
  
  I am rejecting this response because: it does not explain the interest charges accruing. Under the fair debt collection act, since there are no terms stating interest on the original bill, this is illegal. As to the mailed itemized statement, I still have not received it. 
  
  
  
  Sincerely,
  
  
  
  Michael Morse

• Initial Complaint

  Date:09/19/2024

  Type:Service or Repair 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 spoken to National Business Factors on numerous occasions trying to get a medical bill resolved. This medical bill was sent to collections in 2021. I thought it had been paid in full as the *** from Cigna showed. I did not receive any communication from *** whatsoever. No call, email or letter. I found out about the debt after running my credit report and actively sought a resolution with *** and Cigna. I was told the interest would be waived if I paid the debt myself. I waited as Cigna told me to do.I followed up with *** today to just pay the debt myself since I am purchasing a home and need my credit restored. The manager, Sunny, refused to abide by previous commitments. When I asked her to listen to recordings, she made accusations and said very hurtful things in regard to this debt. She told me I had to pay all interest or she would not allow it to be removed from my credit to buy a home. *** should not have charged interest during the time I was unaware of the debt. They confirmed not sending any notice out. I was entirely unaware of this debt and a company should not seek to charge interest deceptively by withholding the fact that a debt exists. I would like *** to remove all interest and allow me to satisfy the debt in a fair and just way.

  

  Business Response

  Date: 09/20/2024

  Ms. ******** called in and spoke with **** NBF VP of Compliance Legal and this has been resolved.