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:02/24/2025

  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.

  ****** ******* ******************************************************** Date: 02/24/2025 national recovery agency ****************************************** Subject: Request for Method of Verification** Dear National Recovery Agency,I am writing to request the method of verification used in the investigation of my dispute concerning the accuracy of information on my credit report, as permitted under 15 U.S.C. 1681s-2(e).Disputed Information:- Creditor Name: NATIONAL RECOVERY AGEN - Account Number: ******** I appreciate your efforts in investigating my dispute. However, I seek specific details regarding the method of verification employed, as required by the Fair Credit Reporting Act. Pursuant to 15 U.S.C. 1681s-2(e)(7), I request a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.I expect your response within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2(e)(8). Your timely and detailed response will help me better understand the steps taken to verify the disputed information.Please send all correspondence related to this matter to the address listed above. Thank you for your cooperation in ensuring compliance with the Fair Credit Reporting Act.Sincerely, ****** *******

  Business Response

  Date: 02/26/2025

  NRA Group, LLC. is in receipt of the consumers complaint. We request additional time as we have requested the billing ledger from the creditor, ********************************, we appreciate your patience in this matter. Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with PARAGON CONTRACTING SERVICES and I do not have a contract with NATIONAL RECOVERY AGENCYplus they did not provide me with the original application like I asked.Account No: 5601**** Amount Disputed: $1,546.00

  Business Response

  Date: 02/21/2025

  NRA Group, LLC.,  is in receipt of the consumer's complaint. First to address the consumer's claim of requesting documentation, *** has not received the dispute letter that is attached to the consumer's complaint, until today 2/21/2025. This means we were unaware, until now, of the consumer's dispute or request for documentation. The consumer has not called us about this matter. The account has been in our office since 12/6/2024, and since the consumer did not dispute before the 45 day validation period expired, the account was reported to the credit bureaus, as legally allowed. Now that we are aware of the consumer's dispute, we have requested a copy of the bill, and consent for treatment form, since this is a medical debt. The following licensing numbers permit us to collect debt in the State of Florida: Reg# M06000002101 & BL# CCA9904296. Pertaining to the 15 u.s.c. 1692e -False or misleading misrepresentations: As our information is obtained from our business associates, we are legally allowed to presume that all information obtained is true and accurate until proven otherwise. Additionally, this means that we have a legal right to notify the credit bureaus of the delinquency of the debt. There is NO purchase agreement with *** because we do NOT purchase debt. Debts are placed with us by our business associates in an attempt to collect the debt, which is legal. Now, as for the 'forward flow agreement', and all other paper trail requests to validate the debt, per the Federal Courts, "a copy of the bill/debt is sufficient documentation to verify the debt. Federal Courts have held that: Contrary to Appellants' contention, verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt. See **** v. ******, 874 F. Supp. 1314, 1317 (N.D. Fla.), aff'd, 66 F.3d 342 (11th Cir. 1995), cert. denied, 516 U.S. 1048, 133 L. *** 2d 666, 116 S. Ct. 712 (1996).Consistent with the legislative history, verification is only intended to "eliminate the problem of debt collectors ******* the wrong person or attempting to collect debts which the consumer has already paid." S. ******. ******, at 4 (1977), reprinted in 1977 U.S.C.C.A.N. 1695, 1699. There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt. ******** *.**********, 174 F.3d 394, 405 (4th Cir., 1999)." ****That being said, again, we have sent a request to our business associate, the current creditor, to obtain the requested signed Consent to Treat form and copy of an itemized bill. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Business Response

  Date: 02/21/2025

  NRA Group is in receipt of the consumers complaint. The above referenced account was closed in our office and returned to the creditor on February 21, 2025, due to the creditor not supplying the Consent to Treat form, not the bill. 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:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i (5) Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall -i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Please remove the following items from my credit report, immediately.Accounts ******************************************* AGEN $ ***** NATIONAL RECOVERY AGEN $ ***** Is being reported inaccurately, please remove this from my credit report immediately.

  Business Response

  Date: 02/18/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. Unfortunately with the limited amount of information supplied by the consumer, we are unable to locate any open account for the specified amount under the consumer's name. Also, NRA Group, LLC., is NOT a Consumer Reporting Agency, therefore Under15 U.S. Code 1681e (b) does not pertain to us. Secondly, 15 U.S. Code 1681i also pertains to **************************** i.e., **********, Experian, Equifax, etc., not Debt Collectors. As our clients place the accounts with us in an attempt to collect debt, we are legally allowed to presume that all information is current and correct, when supplied by our client. If the consumer is willing to supply the last 4 digits of her social security number, or the address that the debt is tied to, we may be able to locate it. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:02/14/2025

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

  Customer Answer

  Date: 03/05/2025

  I have contacted this company and they mentioned the debt that I allegedly owe is from July 4, *********************************************************************************** the state of *******. I am requesting the collection be removed from my credit report immediately.

  Customer Answer

  Date: 03/07/2025

  I have contacted this company and they mentioned the debt that I allegedly owe is from July 4, *********************************************************************************** the state of *******. I am requesting the collection be removed from my credit report immediately.

  Business Response

  Date: 03/07/2025

  NRA Group, LLC. is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client. I have attached a copy of the Validation Letter that was sent to the consumer on 12-13-2024.  Sincerely; ***** **********, Compliance Agent, NRA Group LLC.

  Customer Answer

  Date: 03/10/2025

  [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: 22944509
  
  I am rejecting this response because:

  Dear BBB Representative,
  
  
  Thank you for forwarding the response from NRA Group, LLC. I would like to formally respond to their statement.
  
  
  While the business states that they sent me a debt validation letter on December 13, 2024, I never received this letter. As a result, I was not provided the opportunity to review or dispute the debt before it was reported to my credit report. This has negatively impacted my credit, and I believe it is unfair and possibly a violation of my rights under the Fair Debt Collection Practices Act (FDCPA).
  
  I kindly request the following actions:

  
  1. A copy of the proof of delivery showing that the letter was indeed sent to my correct address.
  2. A reinvestigation of this debt and removal from my credit report until proper validation has been provided to me.
  3. Clarification on why the account was reported to my credit before I had a chance to review the debt validation.
  
  I appreciate the BBBs assistance in facilitating this matter and look forward to a fair resolution.
  
  Regards,
  
  ******* ******
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 03/13/2025

  The consumer may not have received the physical letter from 12/13/2024, which the ***** allows Debt Collectors to presume the consumer has, but after a thorough review of the consumer's account, we did find that the Consumer logged into the Consumer portal on 12/20/2024, as can be seen in the Consumer Facts sheet, attached hereto, which shows all communications and interactions with the consumer. NRA Group, LLC., also sent text messages as allowed by law, to the phone number on file, which is also the phone number on this complaint. A legally allowed voicemail drop was left on the phone number as well, on 1/17/2025. The consumer logged into the Consumer portal again on 12/25/2024, 2/6/2025, 2/9/2025, and 2/14/2025. This was all before the consumer reached out on 3/5/2025 to request an itemized bill. As of right now we are currently awaiting a copy of the bill from the creditor, **********************************, once received this will be sent to the new address, listed on this complaint. We ask that the consumer have patience while we await the bill from the Creditor. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Customer Answer

  Date: 03/15/2025

  [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: 22944509
  
  I am rejecting this response because:
  
  Failure to Provide Proper Debt Validation
  
  
  Dear BBB Representative,
  
  Thank you for facilitating this communication. I am writing to formally dispute the response provided by NRA Group, LLC., as they have not met the legal requirements for proper debt validation under the Fair Debt Collection Practices Act (*****) 15 U.S. Code 1692g.
  
  Key Points of My Dispute:
  1. Failure to Provide Proper Debt Validation Before Reporting
  While the business claims to have sent a validation letter on December 13, 2024, I never received it. The ***** requires that a debt collector provide proper validation of the debt before taking further collection actions, including credit reporting. Since I never received validation, they should not have reported the debt in the first place.
  Simply sending a letter is not sufficient proof of receipt. The law does not allow them to presume I received it. 15 U.S. Code 1692g(b) states that collection efforts must cease until they provide proper validation upon dispute, which they have not done.
  2. Logging into a Consumer Portal Does NOT Constitute an Admission of Debt, I only accessed the portal and reviewed available information to understand what this alleged debt was about.
  The ***** explicitly protects consumers from being assumed liable for a debt simply because they seek information about it. My login activity does not waive my rights to dispute or require proper validation.
  3. Failure to Provide an Itemized Bill or Proof of Debt Ownership
   I formally requested an itemized bill and they admit they have not yet provided one.
  Until they provide full validation, they are in violation of ***** regulations, and the debt should not be reported on my credit report.
  
  
  Request for Immediate Action:
  
  
  Given the above violations, I respectfully request that:

   NRA Group, LLC. immediately remove the account from my credit report until proper validation is received as required under 15 U.S. Code 1692g(b).
  They provide concrete proof of (1) my receipt of the validation letter, (2) their legal right to collect this debt, and (3) an itemized bill proving the debt amount and details.

   The BBB assists in ensuring the business complies with the ***** by ceasing collection activities including credit reporting until they provide proper documentation.
  
  
  I appreciate the BBBs help in resolving this issue and ensuring that my consumer rights are upheld. 
  
  
  Regards,
  
  ******* ******
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 03/24/2025

  NRA Group is in receipt of the consumers complaint. The above referenced account was closed in our office and returned to the creditor on March 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:02/13/2025

  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 received an email from National Recovery Agency stating that my alleged account had been purchased by ****************************. The email stated that in order to dispute the alleged debt I would need to call or write by 01/05/25 and that if/ when received by said date they (***) must stop collection until they sent to me validation of the alleged debt. I chose to write electronically through email on 01/02/25, citing the Fair Debt Collection Practices Act, 15 U.S.C 1692 G - kindly requesting that they provide detailed evidence of the alleged debt. Though Ive yet to receive any form of evidence/ validation of this alleged debt, National Recovery Agency has proceeded to report it to all three of the ************************* (*******, Transunion, Experian). Henceforth, violating the ****, as well as the ****** Consequently, causing my credit score to drop by 96 points! Hindering me from obtaining a mortgage! Ive never even missed or had a late payment on any of my past/ current accounts. I demand that this collection be removed from my credit file immediately.

  Business Response

  Date: 02/13/2025

  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: 02/18/2025

  [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: 22937668
  
  I am rejecting this response because:
  
  I am not liable for this debt. I do not have a contract with National Recovery Agency. They did not provide me with the original contract/ chain of title as I requested; yet the collection is still showing up on my credit file- hindering me from applying for credit elsewhere.

  15 U.S.C. 1681i(a) (5)(A) - Deletion of Inaccurate or Unverifiable Information:
  If the information cannot be verified, it must be deleted from my credit file.
  
  15 U.S.C. 1681e(b) - Maximum
  Possible Accuracy: You are obligated to maintain procedures to ensure maximum possible accuracy in credit reporting.
  

  15 U.S.C. 1681s-2(b) - Furnisher Responsibilities: The data furnishers must verify the accuracy of the information. If they fail to do so, the disputed accounts must be permanently removed.
  

  Regards,
  
  ****** *******
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 02/20/2025

  NRA Group, LLC., is still awaiting a response from *****************************, our client, to our request for documentation. There would be no contract between the consumer and ***, as we do not own the debt. The debt was placed with us by our client. As for the "contract or chain of title" that the consumer requested, this is not required. Per the Federal Courts, "a copy of the bill/debt is sufficient documentation to verify the debt.Federal Courts have held that: Contrary to Appellants' contention,verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt. See **** v. ******, 874 F. Supp. 1314, 1317 (N.D. Fla.), aff'd, 66 F.3d 342 (11th Cir. 1995),cert. denied, 516 U.S. 1048, 133 L. *** 2d 666, 116 S. Ct.712 (1996). Consistent with the legislative history,verification is only intended to "eliminate the problem of debt collectors ******* the wrong person or attempting to collect debts which the consumer has already paid." S. **** No. ******, at 4 (1977), reprinted in 1977 U.S.C.C.A.N. 1695, 1699. There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt. ******** *.**********, 174 F.3d 394, 405 (4th Cir., 1999)." Again, we are awaiting the copy of the bill from the current creditor. The account was reported to the credit bureaus as in dispute, and is still showing as in dispute. ***As for the *********************** Letter it states, "If you write us by 01/05/25, we must stop collection on any amount you dispute until we
  send you information that shows you owe the debt." it does NOT state anything about not reporting to the credit bureaus. This account has been in our office since November 19, 2024. ***Also, the licensing information that the consumer originally requested in his letter dated 1/2/2025, is on the *********************** Letter, (last page) NC Permit Number 113920 ****************** d/b/a National Recovery Agency located at ************************************************************. ***This account will remain open and active. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Business Response

  Date: 02/21/2025

  This account has been closed as disputed and returned to the client, due to no response to our request for documentation. The ************* reporting is being removed as well, as we did find the consumer's dispute letter arrived on 1/2/2025, within the validation window. Since the account was only placed with us in an attempt to collect the debt, we cannot control if the creditor places the account with another **********************. Again we apologize for any inconvenience. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:02/12/2025

  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.

  NATIONAL RECOVERY AGENCY Falsely place 2 collection on my credit report, refusing to put the correct date of the original credit which is 7 years old account from **********************

  Business Response

  Date: 02/13/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. Unfortunately, we are not finding anything under the consumer's last name. If the consumer can provide the last 4 digits of their social security number, or the full account numbers, it would be very helpful. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:02/11/2025

  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 and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked.Account No: 5605 Amount Disputed: $935

  Business Response

  Date: 02/13/2025

  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: 02/21/2025

  NRA Group is in receipt of the consumers complaint. The above referenced account was closed in our office and returned to the creditor on February 21, 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:02/07/2025

  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 am in the process of getting my family our very own home (1st time homeowner) On Feb. 4, 2025, I was shocked to recieve alerts of 2 collections accounts from National Recovery Agency in **********, **. I never received a ******* letter from this agency prior to them reporting to the credit bureaus. I called National Recovery Agency (NRA) and advised them this wasnt my debt and asked them for a debt validation letter. I was told this would take 4-6 weeks to send me this letter. *** also said the original debt is from a hospital in 2019, 6 years ago. I do not believe I owe this debt and the methods of which I have tried to get validation have not proved I owe this debt. I had no warning, no bill from what so ever. I have been working on my credit for the past two years making sure I paid everything off. This was a huge peek-a-boo hit to my credit profile, without ever getting a bill. To make matters worse, *** reported two separate collections accounts at one time. This has dropped my FICO score by 88 points. Any help would be greatly appreciated. -Thx Last 4 SSN:5497 ************

  Business Response

  Date: 02/12/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. A *********************** Letter was sent to the consumer's address listed on this complaint on or about 12/13/2024. It would have been in a plain white envelope with only our return address showing, many people mistake this for junk mail. I have attached a copy of the CFPB/FDCPA compliant *********************** Letter to this response. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Customer Answer

  Date: 02/13/2025

  [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: 22913355
  
  I am rejecting this response because:
  
  As I mentioned, my ID and SSN was lost and I believe this is fraud. I asked for validation. The letter National Recovery Agency provided does not provide validation. This is a generic statement from another collection agency (paragon). The letter sent states I owed Paragon, which I dont. *** advised they would send an itemized bill from the original creditor, ********************. Where is this itemized letter? What do I owe two collections accounts from ***? What are they claiming I owe this bill is for? How was this bill created?
  

  I have never been to ******************** in 2019. 
  
  Regards,
  
  Price *********
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 02/18/2025

  We are still awaiting the copy of the itemized bill from the creditor. The consumer states this is fraud, but has offered no proof of fraud. The consumer can provide a police report or FTC ID Theft report, and this will be taken into consideration. Also, the Validation letter that was attached to our previous response, per the Federal Courts, "Contrary to Appellants' contention,verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt. See **** v. ******, 874 F. Supp. 1314, 1317 (N.D. Fla.), aff'd, 66 F.3d 342 (11th Cir. 1995),cert. denied, 516 U.S. 1048, 133 L. *** 2d 666, 116 S. Ct.712 (1996). Consistent with the legislative history,verification is only intended to "eliminate the problem of debt collectors ******* the wrong person or attempting to collect debts which the consumer has already paid." S. **** No. ******, at 4 (1977), reprinted in 1977 U.S.C.C.A.N. 1695, 1699.There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt. ******** *.**********, 174 F.3d 394, 405 (4th Cir., 1999)." ***The validation letter states the name of the original creditor, and what is owed. Once we receive a copy of the itemized bill, it will be mailed to the consumer in a plain white envelope, with our return address on it. (Some presume this is junk mail.) Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Customer Answer

  Date: 02/19/2025

  [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: 22913355
  
  I am rejecting this response because:
  
  Please have someone from the BBB look at this validation F letter. This letter doesnt specifically detail what services Ive had with the previous creditor: 

  Paragon ********************* medical billing 
  Address: ****************************************************************************
  Phone: **************

  I have never heard of this company prior til this event, to whom I have no contactual agreement with. National Recovery advised the original creditor/debt came from ********************. I have contacted ********************, they have no record of this debt. I have also made several attempts to contact **************************** (the company to whom *** is attempting to collect on the behalf of) which I have been unsuccessful in reaching. The phone number listed for Paragon goes straight to standard computer voicemail, like a cellphone.

  I believe NRA is in direct violation of the NO SUPRISE ACT. I reached out to *** again on 2/18/2025, and was told they are still waiting for Paragon to respond with an itemized bill for services rendered. NRA rep ******** *., confirmed Paragon has yet to respond to them.

  I am going in circles trying to prove this debt doesnt belong to me. I am not sure ******* CONTRACTING SERVICES is still in business. Ive left several voicemails, and have yet to receive a call back from ***************************** 
  

  I asked *** for help reaching ***************************** I was told (by rep ******** *.) they can not provide me with any contact information for ****************************. Which I find rather shady. 

  
  
  Regards,
  
  Price *********
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 02/20/2025

  NRA Group, LLC., is in receipt of the Consumers rejection to our response. 1) The *********************** letter is valid, it states the name of the creditor, the amount of the debt, and the name of the company attempting to collect the debt (***). 2) The No Surprises Act does NOT pertain to Debt Collectors, but to medical providers,and it only went into effect on 1/1/2022 (and is NOT retroactive), this debt was incurred in 2019, which predates the Act.
  3) We are currently waiting on the current creditor *********************************, to provide an itemized bill. 4) The original creditor, ********************************, *******,no longer has information as it sold the debt to *********************************, which is our client.
  5) NRA Group, LLC., is not being shady we are NOT in the practice of giving out our clients contact information to consumers.  
  6) If this debt is the result of identity theft, which is what he told the agent he spoke to, the consumer needs to file a police report or FTC ID Theft report and provide that to **. We will then provide the information to our client. 7) We are not giving the consumer the run around, if this truly is theft/fraud, we need the report before we can do anything.
  This account is marked as disputed, and will remain open and active at this time. Sincerely, ***** **********,Compliance Agent, NRA Group, LLC.

  Customer Answer

  Date: 02/20/2025

  [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: 22913355
  
  I am rejecting this response because:
  
  Thank you for a speedy response. This entire situation is all ties back to ******************* Services. When I first made contact with ***, On 2/4/2025, I was told to reach out to ******************** by a telephone representative of ***. Which is why I did so, as my due process. However, the fact that *** refuses to provide contact information for **************************** definitely sounds shady. I have no faith that *** even contacted Paragon. If the debtor is Paragon, I should be assisted in contacting them. It seems *** is in the business of collecting a debt. I dont believe they got in contact with Paragon, because Ive been trying for weeks to no avail. 
  

  I would like some assistance contacting Paragon, to resolve this issue in a speedy manner. It baffles me that *** refuse to provide contact information for Paragon.
  
  Regards,
  
  Price *********
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 02/20/2025

  Thank you for your patience with this issue, after consulting with our ************************** that works with the creditors, this account has been closed as disputed and pending fraud as the creditor has been unable to provide a copy of the bill and signed consent for treatment forms. 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.

  Customer Answer

  Date: 02/21/2025

  [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. 
  

  Its unfortunate that *** had to take the brunt of this battle. It was a very frustrating ordeal. However I am thankful to finally have this resolved. I wish NRA the best. 
  
  Regards,
  
  Price *********
  

  
  

• Initial Complaint

  Date:02/06/2025

  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 Medical Bill needs to be removed immediately from my credit report because it violates my consumer rights and is fraudulent and inaccurate information that doesn't belong to me I request, pursuant to FCRA 605B (15 U.S.C. 1681c-2), that the NATIONAL RECOVERY AGENCY debt collection remove this collection from my consumer credit file within 4 business days

  Business Response

  Date: 02/12/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. This account was closed in our office and returned to the creditor as fraud on 2/6/2025. The consumer has been advised of this several times and that it can take ***** days for the Credit Bureaus to remove closed accounts from the consumer's credit report. This is not something we can escalate, once we report to the Bureaus that it is closed it is out of our hands. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

• Initial Complaint

  Date:02/06/2025

  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.

  Hi yes I'm writing again cuz I previously filed a complaint number ********. And for some reason it was closed and no action was taken like I stated on my previous complaint I know nothing about this company it is charging me this bill I tried calling them they don't respond with the information. And I really would like to take this off my credit history cuz it is altering my attempts to purchase a home. Thank you much.

  Business Response

  Date: 02/18/2025

  NRA Group, LLC., is in receipt of the consumer's complaint. It would appear that the prior complaint was closed due to no response from the consumer, please see attached. We are currently awaiting a response from our client, the creditor, to our request for a copy of the bill. As soon as we have the bill, we will forward it to the consumer and also attach it to this complaint. Sincerely, ***** **********, Compliance Agent, NRA Group, LLC.

  Business Response

  Date: 02/18/2025

  The above referenced account was closed in our office and returned to the creditor on February 18, 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.