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:01/17/2024

  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.

  In October 2023 I received a text message from National Recovery Agency NRA stating that I have an outstanding debt with ******* ******* for medication sent on 2023-08-06 and need to pay them. Invoice # ************ a/c # ********. I immediately contacted ******* ******* about the matter and they checked their records and told me I do NOT owe them any money. I checked back with NRA and told them what ******* ******* said and they stated that I need to get a statement from ******* ******* stating my balance. I sent NRA an email with the statement from ******* ******* stating I have a zero balance. NRA then sent me a letter with a print out dated 2025-07-31 showing that I owe $25. We were still in 2023 but the statement date says 2025. ******* ******* did not send me and medication on that date and the statement provided by express script showed that all my meds were paid. I have been going back and forth with NRA and ******* ******* and NRA refuses to remove my name from their list. I am unable to communicate directly with the billing department at ******* *******. To date the matter has not been resolved. Thanking you in advance for your attention to the matter.

  Business Response

  Date: 01/17/2024

  Dear *******,
  

  We are in receipt of the consumer's complaint. Despite the claims of the consumer, We are still 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. Please review the attached form. We apologize for the inconvenience.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:01/12/2024

  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.

  Since August of this last year, representatives from the National Recovery Agency have been calling, texting, and sending me letters to collect on a significant debt that they claim I owe. Although the company claims to follow Fair Debt Collection Practices Act rules, I had to write them two letters, and call more than 3 times (each time clicking through ten minutes of voice prompts), for them to acknowledge their responsibility to provide me with documentation of this debt they claim I have. Not until months into the process did I discover that NRA had filed a claim with a credit reporting agency, putting a huge hit on my credit score before they even contacted me for the first time. But here's the problem. Now six months into their "debt collection" process, NRA has been unable to provide me with documentation of this alleged debt, and repeatedly claimed they had not received my previous communications demanding such documentation, possibly to avoid their legal duties under the FDCPA. I have reached out to the business they claim to have purchased the debt from--and they tell me I have no unpaid balance with them--I have reached out to my insurance company--and they tell me the same thing--but NRA continues to insist I owe them this money, while equally continuing to say they don't have the documentation to prove it. And so I continue to have a seriously damaged credit score, and they say the only way I get rid of the report is to pay them what they say I owe, or provide them with my own documentation that I don't owe the debt, which is impossible because it never existed. Every time I speak to a representative on the phone, they try to get me on audio recording saying that I do in fact acknowledge the debt, even though I have always disputed it in my letters and phone calls to them. It is a cynical and unfair game, and they know the credit hit is a serious consequence that I have to live with.

  Business Response

  Date: 01/16/2024

  Dear *******,
  

  Based on our records, 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,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Customer Answer

  Date: 01/17/2024

  [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

  Date:01/11/2024

  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.

  HI NRA GROUP ; BBB; I ALREADY PAID *** **** ** ***** ****** $71 BEFORE. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under §15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated §1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;  You violated §1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of § 1692e;  You violated §1692e(2)(A) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;  You violated § 1692e(5) of the FDCPA by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client; You violated § 1692g(b) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumer’s right to dispute the debt with the language it used in the Collection Letter; and  You violated § 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.  As a result of the foregoing violations of the FDCPA on this matter, I demand an immediate deletion of this account from all credit reporting agency. ed within 15 U.S. Code § 1666b.

  Business Response

  Date: 01/16/2024

  Dear *******,
  

  We are in receipt of the consumer's complaint.
  

  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. As such 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,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:01/08/2024

  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 do not have alleged debt with SO and SO. I did not sign a contract with SO and SO. I have no supplied proof under the doctrine of estoppel by silence. ********** vs ******* (mo) *** ** *** ***. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please delete and remove from my credit report immediately.

  Business Response

  Date: 01/08/2024

  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.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:01/02/2024

  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.

  Hello BBB; i paid ******** **** original creditor before $654 I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under §15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated §1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;  You violated §1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of § 1692e;  You violated §1692e(2)(A) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;  You violated § 1692e(5) of the FDCPA by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client; You violated § 1692g(b) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumer’s right to dispute the debt with the language it used in the Collection Letter; and  You violated § 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.  As a result of the foregoing violations of the FDCPA on this matter, I demand an immediate deletion of this account from all credit reporting agency

  Business Response

  Date: 01/08/2024

  Dear *******,
  

  Our office is in receipt of your correspondence regarding the above-referenced complaint.
  

  At this time I cannot resolve the consumers complaint because I cannot locate an account, given the information provided. Please have the consumer provide an account number so we can locate the account.
  

  Sincerely,
  *****************************
  Compliance Agent

• Initial Complaint

  Date:01/01/2024

  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've received text messages from this group asking for information regarding a debt. They've given me no information on who owes or what is owed and would like whatever account was opened in my name to be closed and they stop contacting me. I've had 2 reports of my information being accessed from data breaches through my doctors office and a prior job I've worked for where social security, and very private information was stolen. At this time I was told by legal representation to freeze and hold accounts and to remove any new accounts including debt collection accounts. I ask that this account be closed

  Business Response

  Date: 01/04/2024

  Dear *******,
  

  We are in receipt of the consumer's complaint. Despite the claims of the consumer, We are still 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. Please review the attached form. We apologize for the inconvenience.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:12/31/2023

  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.

  I dont have any contract with this company the reporting of this account is inaccurate

  Business Response

  Date: 01/05/2024

  Dear *******,
  

  Based on our records,  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,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Customer Answer

  Date: 01/10/2024

  [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

  Date:12/24/2023

  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 open a debt on my credit report. ********* ******* ******* wrong put this on my credit. I have called the hospital my insurance has paid this bill in. Therefore I don't owe nothing on this bill because my insurance already paid it. This is deeply hurting my credit. I demanding this Bill be permanently removed from credit promptly.

  Business Response

  Date: 01/05/2024

  Dear *******,
  

  We are in receipt of the consumer's complaint. Despite the claims of the consumer, We are still 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. Please review the attached form. We apologize for the inconvenience.

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LL

• Initial Complaint

  Date:12/22/2023

  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 ***** ** ********** *******. I do not have a contract with NRA Group LLC, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 12/28/2023

  The dispute was filed online from my ******** account, and ******** has not responded nor taken any action. Please handle promptly, as this is greatly hurting my credit and im trying to buy a house.

  Customer Answer

  Date: 01/02/2024

  Even though this account is not mine, I have no knowledge of it, and have no contract with the company behind it, ******** has failed to verify the alleged debt, furnish any documentation, or properly investigate this erroneous information. I need this removed from my credit report immediately, as it is not mine, and I have already attempted to resolve it to no avail.

  Business Response

  Date: 01/08/2024

  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.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Business Response

  Date: 01/09/2024

  Dear *******,
  

  We are in receipt of the consumer's complaint.
  

  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. As such 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,
  *****************************
  Compliance Agent
  NRA Group, LLC

• Initial Complaint

  Date:12/05/2023

  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 keeps calling me and I have no idea who they are or what they want or what they are trying to collect. I have received nothing in the mail indicating that anything is owed to them or any company that they purchased debts from. I want the calls to stop immediately and I want whatever is reported on ALL of my credit reports to be removed.

  Business Response

  Date: 01/08/2024

  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. Giventhe confidential nature of the matter, providing any information without the consumer's consent could be a violation of federal laws.
  

  Sincerely,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Business Response

  Date: 01/09/2024

  Dear *******,
  NRA Group, LLC does not have the consent of the consumer to respond in this public forum and as such any response could violate federal law. The consumer can reach out to a compliance agent directly at [email protected] for confidential discussion to this complaint. 

  Sincerely,

  *****************************
  Compliance Agent
  NRA Group, LLC

  Business Response

  Date: 01/09/2024

  Dear *******,
  

  We are in receipt of the consumer's complaint.
  
  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. As such 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,
  *****************************
  Compliance Agent
  NRA Group, LLC

  Customer Answer

  Date: 01/10/2024

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 20961972
  
  I am rejecting this response because:  They can disclose whatever they wish!  All of a sudden they are worried about privacy??  But it's ok to leave messages for me where other people can hear it???  

   

  Please.......I do not accept what they say.  I WANT THEM TO STOP CALLING ME AND I WANT MY CREDIT REPORT UPDATED
  
  Regards,
  
  ****************