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Complaint Details
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Initial Complaint
05/15/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
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 OfficerCustomer 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
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, LLCInitial Complaint
05/09/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
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 OfficerInitial Complaint
05/09/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
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, LLCInitial Complaint
05/04/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
Initial Complaint
05/02/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with NRA Group LLC and do not have a contract with ****.Business response
05/11/2023
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.
Sincerely,
*********************************
Chief Compliance Officer
NRA Group, LLCInitial Complaint
04/25/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I reviewed my ******** Reports and noticed that so call debtor place false and misleading information on my ******** report. for alleged debt, without do proper validation. this act cause me to suffer with depression and server headache plus lost time form work trying to fix my report. cause Grave distress against me, and inflict stress that resulted to me wanted to take my life,at this moment this crooked debt collector name NATIONAL RECOVERY AGEN (Original Creditor: ******** ************ ******) cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.Business response
05/01/2023
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. Please review the attached form. We apologize for the inconvenience.
Sincerely,
*********************************
Chief Compliance Officer
NRA Group, LLCInitial Complaint
04/24/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company put a collection on my credit report. I do not live in Philadelphia. I left Philadelphia in 2013. I need this removed from my credit report.Business response
05/01/2023
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 wishes to discuss further, they are welcome to contact us directly at [email protected] or by calling in to speak with a collector.
Sincerely,
*********************************
Chief Compliance Officer
NRA Group, LLCInitial Complaint
04/11/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
on 04/04/2023 I mailed (vial certified mail) the following attached document to National Recovery Agency asking that they validate this debt and I will gladly pay it if it can verified within the next 30 days. If not able to be verified within 30 days, i am asking that you remove this file from my 3 credit bureau reports. Document attached for review.Business response
04/12/2023
Dear *******,
After review of the consumer's complaint, we have determined that all validation and verification documents which we are required to send to the consumer were sent on or about 02/27/2023. If the consumer has not received those documents, he is more than welcome to reach out to ** directly at ************************** to discuss the matter further. Alternatively he is welcome to call ** at ************** and we would be happy to speak about the matter further.
Sincerely,
************************************
Chief Compliance Officer
NRA Group, LLC
Customer response
04/12/2023
[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: ********
I am rejecting this response because: the creditor did not honor my requests as clearly stated in my investigation letter. I have not received these items as of yet and wish to have this file removed from all of my credit reports asap as it is now well over 30 days by law.
Regards,
*************************Business response
05/11/2023
Dear *******,
We have received the consumer's rejection of our response. Accounting was mailed on or about 2/21/23. The remaining documents demanded by the consumer are not required to be sent, and will not be sent. While we understand there is a plethora of misinformation available online regarding responding to collection agencies, the majority of this information is not reliable or accurate. If the consumer would like the information we previously send to him sent again, he is welcome to request this information by sending an email to ************************** or by calling ************.
Sincerely,
************************************
Chief Compliance Officer
NRA Group, LLC
Initial Complaint
04/10/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have requested debt validation from this company regarding an account listed on my credit report. This company not been able to prove the validity that this debt belongs to me and continues to negatively affect my credit report. This company has, in my opinion, intentionally listed an incorrect address on my report making the process of me reaching out to them far difficult than necessary.Business response
04/11/2023
Dear *******,
We are in receipt of the consumer's complaint.We appreciate the consumer advising us of the outdated address reported to the Credit Reporting Agencies. We were unaware of this and are currently working to correct it.
Regarding the specifics of the consumer's account(s), 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 have previously been mailed directly to the consumer.
If the consumer wants us to disclose information through this forum, then we will need consent to do so. Please review the attached form, or use the form provided by the BBB. We apologize for the inconvenience.
Sincerely,
*********************************
Chief Compliance Officer
NRA Group, LLC
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Customer Complaints Summary
223 total complaints in the last 3 years.
124 complaints closed in the last 12 months.