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:05/14/2025

  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 Recovery Agency. I do not have a contract with National Recovery Agency, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 05/14/2025

  Im not understanding how you can close my case because of generalized text. The company stated above is putting something on my credit fraudulently and I dont think thats right. I do not have a contract with them. I do not know them. Im not in debt to them. BBB helped me out last year with the same exact situation but with a different company I had a complaint with, please respond and how we can move forward and reopen this complaint.

  Business Response

  Date: 05/16/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

  Customer Answer

  Date: 05/16/2025

  I am not their client nor will I ever be their client . What client are they referring too? They need more time for what exactly? Is it possible to speak with someone at the BBB directly about this inquiry and complaint ? Please advise on how to move forward. Thank you and have a fantastic day.

  Customer Answer

  Date: 05/16/2025

  [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: 23329136
  
  I am rejecting this response because:
  
  I am not a client of them past, present nor do I plan to be in the future. I would like them to remove their fraudulent debt claim off of my credit immediately.
  Regards,
  
  ******** ******
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 05/19/2025

  The consumer is correct, he is not a client of ours, we do not have consumer's as clients. We are a 3rd Party Debt Collector, our Client is the Creditor, the owner of the debt, FL Emer Phys Kang & Assoc MD. We are currently awaiting a copy of the bill from the creditor.

  Customer Answer

  Date: 05/21/2025

  [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: 23329136
  
  I am rejecting this response because:
  
  I am not liable for the debt from FL Emer Phys & Assoc MD. You are a third party that is fraudulently reporting debt to my credit report, I do not owe you nor them any amount remove it from my credit report immediately.
  Regards,
  
  ******** ******
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 05/30/2025

  NRA Group is in receipt of the consumers complaint. The above referenced account was closed in our office and returned to the creditor on May 24, 2025, due to no response from the creditor for documentation. Since the accounts were 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 this account be deleted from any consumer reporting agency files to which we have submitted information at the time of this response. However, consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

• Initial Complaint

  Date:05/12/2025

  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.

  This account reflects errors, such as an incorrect balance or date, which require correction.

  Business Response

  Date: 05/12/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

  Business Response

  Date: 05/13/2025

  Please find the attached copy of the bill from the creditor. If the consumer believes this to be ID theft, they will need to file a police report or FTC ID Theft report and forward a copy of the report to us at *************************** to review with our client. The account remains open and active with a dispute status. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:05/09/2025

  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.

  The below account that they are saying I owe is supposedly for Account Solutions for Account Payment Processing for ********* and I spoke with **** and owe nothing to them for an account that was opened back in 2018...this came out of nowhere from *** and it is a scam and needs to be removed from my name and from my credit report immediately or I will have my lawyer get involved. This is ridiculous as they reported this false information to the credit bureaus which is now affecting my credit and ability to get a mortgage refinance. This needs to be removed immediately. ******, we have an important message about your account with a total balance due of $1,371.85 from 08/23/19.National Recovery Agency is a debt collector, attempting to collect the debt you in this communication. We will use any information obtained from you to help collect the ******** have 1 accounts in our office with the following original account number(s) and ******************: $1,371.85 Discount Rate: 50%Discount Amount Owed: $685.93 National Recovery Agency ******************************************************************** ************ Email ************************************************ *******************************************************************************************************************************

  Business Response

  Date: 05/12/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. We have requested a copy of the loan agreement. This debt was opened 8-13-2019 and charged off by **** on 4/27/2020 and subsequently placed with us on 2/27/2025 by the current owner of the debt: Account Solutions for Account Payment Processing on 2/27/2025. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

  Business Response

  Date: 05/16/2025

  NRA Group, LLC., is a 3rd party debt collector. Our client Account Solutions for Account Payment Processing, is the current owner of the debt. They purchased the debt from the Original creditor, *************************, it was a Zoca Loan. **** will not show anything for the consumer because they no longer have the records as they sold the debt to the Current creditor. Please find the attached copy of the loan agreement. If the Consumer is still insistent that this is not her debt, she will need to file a police report or FTC ID Theft Report, and send them to ************************** to be reviewed with our client. Until that time, the account will remain in dispute status but open and active. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:04/23/2025

  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,I am writing to express my deep concern regarding several unauthorized account with NTL ******************************************* Account number: 5319 Account balance: $1,240.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 04/25/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

  Business Response

  Date: 04/25/2025

  We have requested a copy of the bill/contract from the creditor, ******************, this will be sent to the consumer's address as listed on this complaint. Also, upon researching the historical events on the account, it does appear that the consumer made a payment arrangement in September 2024 to start paying the debt off. Unfortunately, it also appears that the payment was defaulted on. Also attached is the validation letter that was sent to the consumer's last known email address, as well as a follow-up email notice. Per Federal Laws, we are allowed to presume any information obtained from our clients, is true and valid until proven otherwise. Due to the Consumer filing the *** ID Theft report, we have closed the account and returned it to the Client. 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 this account be deleted from any consumer reporting agency files to which we have submitted information at the time of this response. However, consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

• Initial Complaint

  Date:04/10/2025

  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 filing this complaint against National Recovery Agency (NRA Group LLC) regarding their continued attempts to collect multiple debts in my name that I dispute in full. I sent a written notice clearly stating that I do not acknowledge these debts as valid, nor do I agree with the amounts claimed. Despite my communication, this agency has persisted in collection activity without providing proper validation as required by law.Under the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. 1692g), a consumer has the right to dispute the validity of a debt and request verification. While I explicitly stated that I do not need them to send me "proof" because I know what is and is not mine, the burden remains on the collector to cease all collection activity until they validate the debt. If they are unable or unwilling to validate, continued collection is a clear violation of federal law.Additionally, if they have reported any of these alleged debts to the credit bureaus, they may also be in violation of the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681s-2), which prohibits furnishing inaccurate or disputed information to credit reporting agencies without conducting a proper investigation.Furthermore, I gave specific instructions on how and when I can be contacted, restricting communication to email between 9:00 AM and 1:00 PM Eastern Time. Under FDCPA 1692c(a)(1), contacting me outside of my stated preferences constitutes harassment.

  Business Response

  Date: 04/11/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

  Business Response

  Date: 04/11/2025

  NRA Group, LLC., only has 1 account for this consumer. We have sent a request to the current creditor ****************************. for a copy of any documentation they can provide us. The original creditor is APP OF ******************, for services provided at **************************************** in ************* ***********. The account has been placed in dispute status at this time. Also, the consumer states he sent a written notice to us, but the only one we have received is the one attached to this complaint. As for reporting the debt to the credit bureaus, any and all information that is obtained from our business associate, *****************************, is allowed by law to be presumed true and correct until proven otherwise. Therefore we are not in violation of FCRA 15 U.S.C. 1681s-2. The Consumer's account is now also placed in Do Not Call status, as well as no phone calls, the consumer will not receive text messages, or emails until our investigation is complete. Our only communication until our investigation is complete, will be via this complaint. We ask for patience as we work with the creditor to investigate this dispute. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:04/09/2025

  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 requested for a personal credit in my name last few weeks ago and I got denied. When I received a copy of my credit report, I saw things on there that were inaccurate. Inquiries that are not mine were on my report as well as accounts that I never opened and addresses I never resided. I also found this account that I believe not mine:Acct name: NATL RECOVER (Original Creditor: 05 KINDERCARE)acct no. 4231****date opened 10/02/2023 balance $646.00 I am not liable for this debt and I do not have a contract with:Company: NTL RECOVERY AGENCY Address: ********************************************* Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ********************************************************************************* and email at [email protected] need a response from the company.

  Business Response

  Date: 04/09/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. Due to the provided police report and FTC ID Theft report, the two (2) accounts that were open under the consumer's name, one for **********, the other for **************, have been closed and returned to the creditors. We have also requested that these accounts be deleted from any consumer reporting agency files to which we have submitted information at the time of this response. However, consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

• Initial Complaint

  Date:04/08/2025

  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.

  ******** Knapper2101 ************************ 2922304-08-2024National Recovery Agency2491 *******************************************: Request for Removal of Medical Debt Information in Compliance with CFPBFinal RuleDear Better Business Bureau,I am writing to formally request the removal of specific medical debt informationfrom my credit report, in accordance with the recent rule finalized by the *********************************** (****) on January 7, 2025, which prohibits theinclusion of medical bills on credit reports used by lenders.Details of the Medical Debt Entries: Creditor Name: Broad River Physicians Group Account Number: *************** Date of Service or Collection: 03-28-2025 Amount: *******The CFPB's final rule aims to enhance consumer privacy and prevent the use ofmedical debt information in lending decisions. As such, I request that the above-mentioned medical debt entries be promptly removed from my credit report toreflect compliance with this regulation.Please provide written confirmation of the removal of these entries. If you requireany additional information or documentation to process this request, feel free tocontact me at ************ or ************************** you for your prompt attention to this matter.Sincerely,******** *******

  Business Response

  Date: 04/09/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. As we have already advised the consumer in his CFPB complaint: Regulation V, 12 CFR 1022, was to go into effect on March *******, but it is currently on hold for Congressional Review. Until the law is released from the hold, if it's not reversed or blocked, medical debt will appear on the consumer's report. Also, the statute pertains to ************************* (****) (i.e., TransUnion, Experian, Equifax, etc.) removing the consumers medical debt when furnishing a report to a Creditor, that is trying to determine credit eligibility. The Consumer may, however, still see the medical debt on their own report. This account remains open and active until paid, but has been marked as disputed. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC. ***See attached copy of CFPB complaint response***

• Initial Complaint

  Date:04/01/2025

  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 have not supplied proof under the doctrine of estoppel by silence, ********** *. ******* (Mo) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact,I have reach out to this company for document the original contract on where I have sign for this debt. please remove form my credit report permanently I have sent my Id other form of ID to validate that this debt isn't mine.

  Business Response

  Date: 04/02/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

• Initial Complaint

  Date:03/08/2025

  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 MEDICAL PAYMENT DATA and I do not have a contract with NATIONAL RECOVERY AGENCY plus they did not provide me with the original application like I asked.Account No: ******** Amount Disputed: $4,055 Account No: ******** Amount Disputed: $2,581 Account No: ******** Amount Disputed: $1,301

  Business Response

  Date: 03/11/2025

  NRA Group, LLC., is in receipt of the Consumer's complaint. This consumer has already filed a **** complaint (250308-19185161) which is still open as we are awaiting a response from our client, the creditor, for documentation. We ask for patience from the consumer as the complaint was placed on 3/8/2025 (a Saturday) when we were closed. The request for documentation was sent to the creditor, our client that owns the debt, yesterday (Monday 3-10-2025). Once we receive the documentation requested it will be attached to this and the **** complaint. Attached here is a copy of the **** complaint and a copy of the original validation letter sent to the consumer in December 2024. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Business Response

  Date: 03/21/2025

  The above referenced account was closed in our office and returned to the creditor on March 17, 2025, due to no response from the creditor for documentation.Since the accounts were 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 this account be deleted from any consumer reporting agency files to which we have submitted information at the time of this response. However, consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

• Initial Complaint

  Date:02/28/2025

  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 being harassed regarding a account that is the result of identity theft this was released to first energy on several occasions however they keep passing thedebt to collectors this time I was contacted by this company to which I keep stating I do not want to be contacted. This day is the result of identity theft, and it should be closed to which they keep attempting to collect and not close the account..

  Business Response

  Date: 03/03/2025

  NRA Group, LLC., has received the Consumer's complaint. This account was only placed with us by our client, ************** Met *** on 1/7/2025. With the receipt of the Consumer's complaint and FTC ID Theft Report, we have closed the account in our office and returned it to the creditor on 3/3/2025. Since the accounts were 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 this account be deleted from any consumer reporting agency files to which we have submitted information at the time of this response. However, consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.