ComplaintsforNRA Group LLC

• Initial Complaint

  05/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Found on my credit report that National Recovery Agency is collecting for an amount of $1,000.00 for ******* Healthcare, I called their billing department and they have No record of my ever owing any money to them. This has dropped my credit score 81 points.

  Business response

  06/12/2023

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

  Customer response

  06/15/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***********************
  

• Initial Complaint

  05/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not reliable for this debt with national recovery agency.

  Business response

  06/01/2023

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

   

  Customer response

  06/02/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***************************
  
  

• Initial Complaint

  05/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On March 23 2023 A received a letter from National Loan Recovery asking for money which as written off by the hospital as charity. Trying to get paid twice for a claim is illegal. No proof of debt exist due to it be written off. ******* ******* ****** has agreed to cease and desist contacting me however the act of not giving the charity letter to National Recovery is an act of contact. A underhanded act to have contact with me. The charity letter was sent to the Better Business Bureau to prove my case when *********************** tried to collect a forgiving debt. I am asking for National Recovery ceased and desist this attempt to contact me.

  Customer response

  05/25/2023

  Here is the Document you are requesting.

  Business response

  06/02/2023

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

  Customer response

  06/02/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *************************
  

• Initial Complaint

  05/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  National Recovery Agency put a negative remark on my credit for a bill they said I owed from 12/17 to ******** Physician Services. I provided them a statement from ******** Physician Services with the dates of service in question that proves I do not owe them $695 and never have. I have a $0 balance with ******** Physician Services. I did call ******** Physician Services to see if they could provide me more info on the $695 bill and they could not. I need the negative remarks removed.

  Business response

  06/01/2023

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

  Customer response

  06/15/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *************************
  

• Initial Complaint

  05/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  NRA Group LLC **** ****** **, Harrisburg, PA *****-**** Account #: ******** Fraud has been committed on my consumer report, which violates the  FCRA & FDCPA. NRA Group LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.), 15 U.S.C. 1692 (G) Section 809 (B). This notice states that your claim is disputed and validation of the account is required: * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance  Certificate. THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098's) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.15 U.S. Code ****e - False or misleading representations (10)The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. In addition please provide the contract signed between NRA Group LLC &********* ********* ***** ***, notarized and sworn under penalty and perjury for NRA Group LLC ability to collect this alleged debt.

  Business response

  05/23/2023

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

• Initial Complaint

  05/15/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am a disabled veteran. This business and TEP, are aware that it must request and receive payment from the Veteran's Administration. The VA resolves billing issues with community providers for EMERGENCY CARE. *************** Call Center:  ************, Monday-Friday from 8 a.m. to 8 p.m. Eastern Time. They are aware of this information and instead of collecting payment from the VA according to federal policy, they report to the credit bureaus as collection activity on my credit reports REPEATEDLY. This lowering my credit score, and is HARASSMENT, and is traumatizing, as I am receiving daily notifications. Please have them remove the collection from all three bureaus and follow VA policy to request and receive payment as usual and appropriate. In addition, I have been advised that they are NOT to: *Infringe upon my right to privacy. 15 USC 1681(a)(4) *Harass me and abuse/traumatize me by causing a telephone to ring and text alerts and daily collection reports to credit bureaus. Under 15 U.S. Code 1692d- is in violation and under 15 U.S. Code 1692j. (5) *Violate 15 U.S. Code 1681b as I never had any business with this company nor have I ever given it my written consent to report anything on my consumer reports. Their actions are lowering my credit score everyday and lowering my credit score is a form of punishment. *Report medical collection as it is in violation and can’t be on my consumer credit report. Under 15 US Code 1681a (3) Violate FTC guidelines by reporting this account in my consumer credit report as/is a form of credit collection activity. It is NOT. It is in violation under 18 U.S. Code § 894 - Collection of extensions of credit Under (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Thank you.

  Business response

  06/01/2023

  Dear *******,
  
  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor based on ************************ prior BBB complaint.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We also requested that the account be deleted from any consumer reporting agency files to which we had submitted information. Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control, however at this point, any negative marks on her consumer credit report should have been deleted. If that is no the case, we ask that the consumer contact  to resolve any issues. 
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  ************************************
  Chief Compliance Officer

  Customer response

  06/02/2023

  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. 
  
  Regards,
  
  *********************************
  

• Initial Complaint

  05/10/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with **** ***** ******* and do not have a contract with National Recovery Agency. They did not provide me with the original application that I asked for.

  Business response

  05/22/2023

  Dear *******,
  
  We are in receipt of the consumer's complaint.
  
  We are unable to respond in this public forum as we do not have the consumer's written consent to do so. Given the confidential nature of the matter providing any information without the consumer's consent could be a violation of federal laws. Details will be mailed directly to the consumer at the address provided within this complaint.

  Please note, speaking generally, that while the consumer complains of not receiving a copy of an application, under federal law this is not required. Confirmation that we have reviewed the account and have verified the amount we are attempting to collect is the definition of verification.

  If the consumer wants us to disclose information through this forum then we will need consent to do so. Please review the attached form. We apologize for the inconvenience.
  
  Sincerely,
  
  *********************************
  Chief Compliance Officer
  NRA Group, LLC

• Initial Complaint

  05/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is a bill that was sent to me. I do not owe the company ***** ****** or the company *****************. I ordered clothes from them, and returned the items within a day or two. They were returned due to bad quality. They where returned with there own label. I was issued a credit for the merchandise a few weeks later. I had to call them to get my refund, as I waited too long and the merchandise at the time was already received back to their return center. I called the Company and spoke to ****** the Reference #*****. She informed me that she had no account open with those amounts for me, nor a credit card. I feel as though this company is trying to scam me and ruin my credit. I would appreciate your help. Thank you *****************************

  Business response

  05/23/2023

  Dear *******,
  
  Our office is in receipt of your correspondence regarding the above-referenced complaint. 
  
  In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed by our client on 5/16/23 and was accordingly closed in our office and returned to the creditor.  Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
  
  We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information.  Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control.
  
  Should you have any questions regarding this matter, please feel free to contact our office.
  
  Sincerely,
  ************************************
  Chief Compliance Officer

• Initial Complaint

  05/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  NATIONAL RECOVERY AGENCY ACCOUNT #: ******** ******************************************************************** My name is *************************** and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. NATIONAL RECOVERY AGENCY is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.). 15 U.S.C. 1692 (G) Section 809 B). THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098'S) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by NATIONAL RECOVERY AGENCY. Please be advised that providing a memorandum or other statement from your agency, stating that NATIONAL RECOVERY AGENCY the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. A fair resolution would be to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by NATIONAL RECOVERY AGENCY and request for you to CEASE AND DESIST REPORTING THIS INFORMATION.

  Business response

  05/22/2023

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

• Initial Complaint

  05/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 04/30/2023 I filed a CFPB compliant on National Recovery Agency complaint number 230430-10976296 due to this company not being licensed as a debt collector in my state. I received a response back from ***************************** the compliance agent for NRA Group LLC. He stated that his company was indeed licensed to collect debt in my state and gave a license number of ******************************************* my state as EBO Solutions. Upon searching ********************** *** ********* *** has a NMLS number of ******* and NRA Group LLC has a NMLS number of ******. Neither of which has a debt collectors license to collect in my state. The CEO ***************************** also has a NMLS number of ****** and also doesnt have debt collectors license in my state. See attachments. Futher more upon searching my states Secretary Of State website for business entities authorized to do business in my state neither EBO Solutions or NRA Group LLC are active entities allowed to do any business in my state. This is a clear violation of the FCRA and FDCPA as this company is engaging in false and deceptive practices to try to persuade me into believing that I owe a debt to them and furnishing my credit reports with invalidated inaccurate accounts. I have sent this company a validation letter from them to validate this alleged debt that they say I owe to them. See attachments. I have tried to handle this matter with this company on several occasions.

  Business response

  05/11/2023

  Dear *******,

  We are in receipt of the consumer's complaint. EBO Solutions, LLC is licensed to do business in TN under license number ****, with a trade name of National Recovery Agency. NMLS does handle professional licenses in TN, but not collection licenses. This is handled by the TN Department of Commerce and Insurance. Regarding registration with the Secretary of State, a certificate of authority is not required for debt collection pursuant to TN Code § 48-25-101(b)(8). 

  Sincerely,

  ************************************

  Chief Compliance Officer

*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. ↩