N.A.R., Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/30/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 843XX	Web
Yesterday, XX/XX/XXXX, I received to calls in a row from XXXX and no voicemails. Later that day my sister and brother called me cause they were reached out to by the same phone number. I called the number back and learned it was NAR. I spoke with a girl. She said they are collecting a debt from an emergency room visit in XX/XX/XXXX. This was shocking to me as that was so long ago and I don't remember that at all. I tried asking her questions about it and she was extremely rude and just kept saying that they've been trying to contact me for a long time and even served me in XXXX. I asked for proof of this cause I honestly couldn't remember what this is even about. I asked for a statement and she said they've sent plenty of statements. I have lived at the same house for the last 8 years and so it's not like I've been hard to get a hold of. I just wanted proof that this was my debt. She told me that there is nothing I can do at this point cause it already has a judgement and they are going to start getting my wages garnished. She repeatedly cut me off and said you can either pay it or have it taken out of your check, that I've been given ample notices of this debt, and that it's just incurring XXXX % interest. I understand that being a debt collector wouldn't be an ideal job, but she was extremely rude to me and really thought it was a joke cause I said, if this is mine, I will take care of it I just want to know more about it. She finally said she would email me a statement. She never did. She kept telling me that were seeking a judgement and this was going to a lawyer, then she said they have a judgement already ... it was all over the place. I did call XXXX XXXX XXXX who did verify that I was the patient. They couldn't give me any billing statements or what services were done that day since it was so old. I again reached out to NAR today, XX/XX/XXXX, because I do want to resolve this and to get a statement. I requested to speak with someone different because I did not want to speak with the girl from yesterday. I spoke to a male supervisor. I explained everything from the day before and that I just wanted a statement and to see what we could work out. He started going through his " debt collector script '' and said that they've been reaching out to me numerous times. I asked for specifics cause I've had the same phone number, address, and employer this whole time. I said that I have my phone records to compare with theirs. He said they don't have to give me their phone records or any records they have all the time they have tried to collect. I asked when the last time before yesterday, that they reached out to me. He said numerous times in XXXX. I kept pressing for specifics and he finally said they have tried once a year. I asked when they contacted me in XXXX and he admitted that XX/XX/XXXX was the first time they have tried me since XXXX. I asked what took so long and they said they have thousands of accounts to work. Once they tried me in XXXX I went to the bottom of their workload and sometimes it takes a long time until they work on my case again. I asked for a statement and I finally received one. And all this time interest has continued incurring. The original debt was {$160.00} and is now {$760.00}. I asked if there could take some interest off if I can pay in full and be done. They said no cause either I can pay that or they will get that plus more getting my checks garnished. I am fine paying my debt, but I don't feel like the interest and fees are reasonable at all, especially where they won't send me proof of " all these collection attempts ''. There wasn't anyone else I could talk to as they are pretty rude and condescending at this company. They said I can't dispute anything or work out any deals and my interest is going to keep incurring while I make payments.
12/18/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	UT 84115	Web
This year in XX/XX/XXXX I received a letter by a constable stay a public auction and a writ of execution is to be held in ten days I contacted the court via email it stated : Im contacting you due to a letter I received by a company stating they have a writ of execution to come into the house that I stay at and take any and all items such as appliances, TVs, stereos and other electronics. They state that they had a default judgement for which I was never notified. I was never given a date to any hearing date. I am emailing because I have no other way to contact you and the amount they are claiming to be award is over {$1700.00} and claim continuous 17 % penalty is what they state. I need to contest this as I have never owed the company that is trying to execute a default judgement in such matter. Plus they are stating that they will auction off items at the home, when I dont own anything to begin with. I definitely have never been given a chance to here what they claim and I never notified of any hearing to present anything or question the debt. Im contacting you to request the judgement be dismissed since no court date was ever made by the requester. and I was never served with a court date to be party to such suit. I learned that a default judgment this year during the height of the pandemic against me without ever making initial contact and never gave me the opportunity to dispute the debt.They obtained the default on XX/XX/XXXX XXXXthey claim they served me on XX/XX/2020 the court on XX/XX/2020by XX/XX/XXXX XXXX had a default judgment than on XX/XX/XXXX they apparently got a writ of garnishment and made contact with my employer but I had no idea I was fired on XX/XX/XXXX of 2020 I believe its because of the debt collectors writ of garnishment. I filed for a motion to set aside default judgment that was denied and now they are going to exacted on a warrant to take items the debt collector had never contacted me and has violated the FDCPA laws by never notifying me who they are and giving me 30 days to dispute the debt which I would have as this debt is supposedly from a line of credit my credit union account the company is a for profit debt collector who has no vested interest let alone provided a forged document to obtain and file lawsuit. They never even contacted me and or read the mini Miranda. The company is NAR Inc North American recovery and attorney XXXX and XXXX here in Utah According to the credit union they and I are bound to arbitration clause and that they never sell, assign, or transfer accounts to third parties. Yet the debt collector obtained the default judgment they never provided anything to prove they had a right to sue but yet they were granted a default judgment when their was never a court date set for me to even be able to answer. Or obligating me to appear before a court. Now what happens since they are extorting me I dont know what to do? They need to be accountable for violating the FDCPA for not giving me thirty days to dispute the debt because their first contact was a law suit and if that counts as their initial contact they had obtained a default on the XXXX th day from their initial contact. People need to be aware that debt collectors who have never made contact can apparently sue you and obtain a judgment and you will get a paper that will not have a court date or a case number but courts say its valid
05/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77006	Web
FCRA 623 ( a ) ( b ) requires debt collector ( North American Recovery ) to accurately report the DOFD ( XXXX ) separately to the CRA ( XXXX ) no later than 90 days after commencing collection efforts. XXXX XXXX XXXX provided North American Recovery with the DOFD per FCRA 623 ( a ) ( 5 ) mandate. FCRA 605 ( c ) was created for XXXX purpose only, to affix a date on the commencement of the delinquency which proceeded the collection, thereby specifically preventing collection agencies from illegally changing and extending the DOFD once the original creditor establishes that date. An accurate DOFD can NEVER be legally changed, especially by a Collection Agency. TEXAS FINANCE CODE. XXXX. ( XXXX ) Prohibits collecting or attempting to collect interest or a charge, fee or an expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. North American Recovery failed to timely produce ALL documents requested. A 30-day Notice was submitted on XXXX/XXXX/2016 by Certified Mail Receipt. I contacted a representative with North American Recovery and informed them that I was trying to buy a home and inquired whether they would be interested in a " Pay For Delete Settlement '' and was told no. I asked the representative to verify DOFD and was informed that their records indicate their collection began XXXX and would continue reporting to the credit bureau until XXXX. On XXXX/XXXX/2016 I sent a dispute letter to North American Recovery disputing their implied DOFD and requested verification and to produce documents and all instruments bearing my signature. I also contacted a Manager at XXXX reporting agency. XXXX assured me that although North American Recovery began their reporting on XXXX the DOFD was already established by the original creditor and remains at XXXX and is scheduled for removal on XXXX. On XXXX/XXXX/2016 I called North American Recovery and spoke with XXXX to ask if they would reconsider the " Pay For Delete Settlement '' because I was still trying to purchase a home and my account is scheduled for removal on XXXX. XXXX stated no they would not accept my offer and North American Recovery had extended the DOFD to XXXX. After reviewing my credit report it turns out that North American Recovery has indeed illegally extended the DOFD by two months. On XXXX/XXXX/2016 XXXX began reporting DOFD as XXXX. FCRA 623 ( a ) ( 5 ), FCRA 605 ( c ) and TEXAS FINANCE CODE. XXXX. ( XXXX ) was specifically created to protect consumers from illegal and abusive tactics, unfair and unconscionable means by Collection Agencies and Original Creditors. North American Recovery should be held accountable for violating FCRA and TEXAS FINANCE CODES compliance standards that governs collection activities. Attached is a copy of the Account History provided by North American Recovery, a copy of XXXX reports, and a Certified Mail Receipt copy of my dispute to North American Recovery. I will be seeking immediate deletion of this negative trade as well as a settlement in damages for their illegal practices.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation Regarding Debt Ownership and Assignment To Whom It May Concern, I am writing to formally request documentation and information regarding the ownership and assignment of a debt that has been reported on my credit history by XXXX XXXX and North American Recovery ( N.A.R. ). I believe there may be discrepancies and misleading practices surrounding the assignment of this debt to a third-party collections agency, and I am seeking clarification through this formal request. The details of my situation are as follows : * Account Information : * Creditor : XXXX XXXX * Debt Type : [ Specify the nature of the debt, e.g., credit card, loan, etc. ] * Account Number : [ Specify the account number, if available ] * Original Debt Amount : [ Specify the original amount of the debt ] * Date of Charge-Off : [ Specify the date of charge-off as indicated by XXXX XXXX ] * Conflicting Information : * I have received conflicting information regarding the status and ownership of the aforementioned debt. In correspondence from XXXX XXXX, it was indicated that the debt associated with the account had been charged off. However, I subsequently learned that the debt had been assigned to North American Recovery for collection and recovery. * Request for Documentation : * In light of the conflicting information, I am kindly requesting the following documentation and information to establish the accurate ownership and assignment of the debt : a. Proof of Debt Ownership : Please provide documentation that clearly demonstrates the ownership of the debt by either XXXX XXXX or North American Recovery. This could include contracts, agreements, or any other relevant documentation.b. Debt Assignment Documentation : If the debt has been assigned to North American Recovery, I request documentation that outlines the terms and conditions of this assignment. Please provide any agreements, records of transfer, or other relevant documentation that support this claim.c. Contact Information : Please provide the contact information for a representative from XXXX XXXX who can confirm the debt 's status and the assignment to North American Recovery, or alternatively, provide the contact information for a representative from North American Recovery who can address these matters. I am deeply concerned about the accuracy and transparency of the information being reported on my credit history. It is essential that I have access to clear and verifiable documentation to fully understand the ownership and assignment of this debt. I am committed to resolving this matter in a fair and responsible manner, and I believe that having access to the requested documentation will aid in achieving a just resolution. Thank you for your attention to this matter. I look forward to your prompt response and the provision of the requested documentation. Sincerely, XXXX XXXX
01/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 843XX	Web
A few years ago my husband and I went through a bankruptcy. After the bankruptcy was dismissed I received 2 bills from NAR requesting payment. I contacted them immediately and let them know they should have been covered in my bankruptcy. They told me to contact my attorney and find out if the debts are owed. I reached out to the attorney which took a while, but he stated that one of the bills they were trying to collect was in fact included in the bankruptcy however the other was not and I needed to make arrangements to pay that one as it was for a date of service a couple days after filing. I again contacted NAR and shared the information I had obtained. They said, " sorry '' for the " mistake '' of trying to collect on the debt that was dismissed and gave me the balance on the other which included several fees and negative credit reporting. I told them that they made the mistake to collect on a discharged debt and I made a mistake by thinking they were both in the bankruptcy however I had contacted right away and disputing those and now trying to make that right. I felt it was fair that they remove the fees and negative credit reporting. I was transferred to several different employees and back again. For at least 3 years now I have called off and on to try to get this debt settled and removed from my credit. Each time I go through their transfer game, get a voicemail that is never returned, and a promise for supervisor review and a call back within 48 hours that is never returned. I sent an email over a year ago regarding the situation and telling them I was going to file a complaint that they continue to report on my credit but on not following through to allow me to properly manage the debt, not returning my calls when I have been told it is noted in the file several times. Same thing, calls and promises of call back with nothing. They never sent me a bill in the mail since the one that raised the question to begin with and have not sent anything since. They just continue to refuse to have their upper management review the file and come to a solution since they obviously made mistakes that violate the debt collection act as well. Now they continue to cause harm by reporting and not returning calls I am making to them. They also at one point did offer me a settlement that took a portion of the fees they have added off but told me they could not put it in writing for me that it would satisfy the debt in full. Another issue since this company apparently can not be trusted to keep their word and not engage in shady collection practice. I would like them to provide me a copy of all of the file notes from representatives from the date that they opened the file. I also have copies available of the bills they sent available upon their request.
07/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web
N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
01/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84115	Web
Third District Court has issued a Pretrial court date on XX/XX/XXXX at XXXX which I will provide the Judge XXXX the first police report of my home being broken into by criminals after I was threaten to not to go to the police and the second police report in regards of my XXXX accounts being taken over and fraudulent checks deposited and then used by criminal without my knowledge and then asking the bank to do a FRAUD investigation in which XXXX assumed I gave out my password which is FALSE there is just too many issues surrounding this case and NAR inc lack of disclosure to the courts that I am XXXX on XXXX benefits and all my assets are judgement proof. Secondly, NAR inc has withheld information to the courts of fraud stating there was no Fraud so I submitted to the courts copies of all the FORGERY checks put in my name that were documented by their client XXXX. Additionally NAR inc previously ignored my Debt validation letter stating it was frivolous even the though the law states clearly under the FDCPA of my rights to dispute the debt and collection activities must cease regardless if they feel the letter was generic it should have been honored especially considering there was FORGERY CHECKS on file. The verbiage was legal and they willfully ignored the law and pursued collection attempts anyways. Furthermore, they have notified the courts of a false alleged attempt of serving papers when I wasn't even in the state of XXXX after having my life threatened I left and went to XXXX for a period of time for my safety. As of now the Third District court after receiving the copies of FORGERY checks, and the fact I wasn't in XXXX set ASIDE the judgement and issued a court date XX/XX/XXXX at XXXX. Which I intend to explain to the Judge in full detail of the situation and information being withheld including the second police report which I will have in court. NAR inc needs to be investigated by the XXXX attorney general office for its shady and bad collection practices. I went to XXXX reviews there is countless back to back complaints of consumers seeking help with filing complaints against NAR inc.
07/27/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33596	Web
Per my previous request from help from the XXXX, I filed a complaint against NAR - North American Recovery. They are collecting a debt on behalf of XXXXXXXX XXXX in which they state that they do have a signed consent form allowing XXXX XXXX to transfer my information to this collection agency. They have not provided me with any type of documentation showing that my information was allowed to be shared to NAR. I want confirmation and a copy of the documentation that has my signature or initials showing XXXX XXXX be allowed to share my personal information with NAR. Previous NAR complaint response : Consumer Financial Protection Bureau To Whom It May Concern, Regarding the complaint filed by XXXX XXXX XXXX Our office has conducted a thorough investigation into the allegations made by XXXX XXXX. This will serve as our response. XXXX XXXX alleges that our refusal to settle his debt for less than he owes is a violation of the FCRA collection rules. He also states that he, never signed any disclosures stating that XXXXXXXX XXXX could transfer his personal information to a 3rd party. Finally, he alleges, This company NAR is contacting and attempting to collect a debt from me illegally. In response to XXXX XXXX allegations, our investigation confirmed that we have not violated any state or federal laws and that all of our interactions with XXXX XXXX have been fully within all applicable laws. We have not reported his account to any credit bureaus, so there is nothing for us to remove from his credit. We are collecting a debt XXXX XXXX owes to XXXX XXXX Furthermore, our office does not settle debts for less than what is owed. XXXX XXXX will need to pay the full account balance. Lastly, XXXX XXXX did, in fact, sign an authorization with XXXX XXXX that allows them to assign the account to us. We invite XXXX XXXX to call our office toll free at : XXXX and speak with one of our agents. We will be happy to process his payment for the full amount he owes. We now consider this matter closed. Thank you for your time. Sincerely, The Complaint Resolution Team N.A.R. , Inc .
04/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	UT 84124	Web	Servicemember
I still to this day do n't know what this debt was for but a place called N.A.R Inc ( I only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for XXXX for what I do n't know??, XXXX XXXX ?? Dont know what position he stands in this. A lawyer, A constable or some guy off the street collect on a debt?? On XXXX XXXX he came with 2 others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's, Computer, VCR anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on XXXX XXXX to sell all my personal belongings and so My father paid them {$1500.00} on XXXX XXXX triple the amount of what the debt of XXXX is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or XXXX XXXX these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time
11/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80026	Web
In XX/XX/XXXX, I noticed that my credit score had dropped dramatically due to a derogatory mark from North American Recovery for an account balance of {$730.00}. The debt was from the XXXX XXXX XXXX ( XXXX Hospital ). On XX/XX/XXXX, I submitted a dispute with XXXX because the account was not mine. The dispute resolution did not take the derogatory mark off my credit report as the the collection agency insisted the debt was mine, but they did not provide me any proof of debt. The balance continued to climb and pulled my credit score even lower. On XX/XX/XXXX I visited the original creditor to try and obtain more information about this account. XXXX Hospital said that they had no record of me ever being seen or treated at their facility. On XX/XX/XXXX, I called North American Recovery to try and resolve this. The first person I spoke with, a woman, said they could n't find any information based on the date of birth or social security and that I had to call XXXX to obtain the account number. I called XXXX and they were able to provide me with the account number and helped me file a second dispute. I called North American Recovery again. This time I spoke with a man who kept repeating that this call would be recorded. I gave him the account number and he said it belonged to someone with a birth year of XX/XX/XXXX. I am XXXX years old, I was born in XX/XX/XXXX. The address also did not match. He stated that the original creditor did not have to keep medical records because they had been transferred to them. I requested that he send me all the information that they had on file for proof of debt and provided them my current address. He proceeded to ask my place of employment and best contact number. I did not disclose my employer because I did not feel comfortable releasing that information. He stated that they could only hold the account until the end of the month at which point they would file a lawsuit against me. I am currently waiting for the file they are going to send me and for the results of the second dispute.
03/03/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84403	Web
I have been the only point of contact that I have had with this company. ( Meaning, I call them, they never call me. ) My phone number has been the same for years. I have called them in in past and asked for documentation of accounts or funds owed. They have sent me paperwork to my corrected address in the past. I have been for the last three months trying to pay this debit which has been on my credit bureau reporting for years. It has always remained the same. When I attempt to pay, they change the balance that I owe. I finally was able to get someone to explain this to me. They are attempting to charge legal fees for doing nothing on a legal level. There has been not one letter from an attorney, there has been no legal filing with the court. I have called multiple times and attempted to pay, they continue to tell me that I over over XXXX for a balance reported at XXXX telling me that it will not be a balance paid in full. One time I called and spoke with a very rude XXXX in XXXX, who has falsified her documents to state that I have confirmed my address to the wrong apt number. I have not lived in apt XXXX XXXX in years. I have also informed EVERY creditor that the new Apt XXXX is XXXX for mailing purposes and I will be sure to receive my mail. At that time XXXX refused to inform me of what the additional debit is from. Once off the phone with her, the very next day she had it reported to the credit bureau at the XXXX plus balance. I disputed it, when it was replaced back on my report, it was put back to the XXXX balance. This proves they have not done a legal process and can not charge me for their invalid and bogus legal fees. I have been paying off accounts with them for the last year. They are aware that I am in Apt # XXXX for mailing purposes. Point is, I have attempted to pay this debit in full per the amount that shows on my credit report. they are refusing to mark it as a balance in full.
06/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 760XX	Web
This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If North American Recovery denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and North American Recovery needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 667XX	Web
I would like to make a complaint on XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX NY XXXX and an alleged balance of {$1700.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was closed on the date of XX/XX/XXXX and the five years of statutes of limitations for reporting a balance has past in Kansas on XX/XX/XXXX and they are failing to report it accurately with a balance of XXXX. They are also have a debt collection agency called N.A.R try to collect the debt as well. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information on the account longer and this is a fine of {$1000.00}. 2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX F.Supp. XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.
08/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$1400.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote a letter and mailed it certified delivery to XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. I received no response so I wrote a second letter and mailed it by certified delivery on XX/XX/XXXX. I received no response so I wrote a third letter and mailed it by certified delivery on XX/XX/XXXX. It is now ( 7 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX XXXX this company is in violation, they are out of compliance. Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
07/27/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WA 98271	Web
This dept shown more than once on credit report and does not show last payment date making very old collection look new. This account shows as XXXX this was dated back in XXXX. This was a voluntary repossession which was charged off in XXXX by old loan holder. They received their vehicles back sold at auction, marked as charge off, then still show as balance owed. This is causing me a huge hardship and holding me back from furthering myself in life. They have never provided documents to prove this dept is mine. I feel as though if this was an account of theirs they should have something to prove so I can confirm if this is valid or not. This is reporting on my credit report two times all with balance owed. I have tried many times to try and get answers/ resolve this with no help. I have also hired a credit repair company who disputed twice with no response in time and they still refuse to remove. When the credit repair company started the process this was on my report more than twice with different account numbers all with the same balance amount so this has been falsified many times by them. This dept is approaching the time to be deleted and as a courtesy I would like to request they delete this early for the hardship this has caused me with the falsified information. XXXX and I have grown up worked hard to build our credit and have tried to over come this since we were very young and couldn't afford much back then and just want this cleared and marked correctly. I would have not know this was on my credit many times with newer dates showing if I had not hired a credit attorney who brought it to my attention. So please help us with getting this resolved due to the long frustrating battle we have been going through.
02/13/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	UT 84096	Web
XX/XX/17 I received a phone call from my ex wife that a number, XXXX, has called several times but the women will not give her name what company she works for or what the call is about, she only claims she has business with me ( XXXX XXXX ) that is most urgent or else if she doesn't get in touch with me. When I called the number the person refused time and time again not give her name or company or what the call was even about, she just keep badgering me on my Name address, SS # etc and would divulge nothing till I did so. I refuse and it is also unfair to ask for sensitive personal information to be given to a person that wont identify themselves. The company turned out to be NAR inc and the womans name is XXXX XXXX, once I was finally able to get what the call was about regarding a medical debt I had been paying out while waiting for insurance to verify if they had paid all they would I simply asked for a itemized bill and if the numbers matched I would pay the debt immediately. I did not get an itemized bill all I received was a one page letter saying the debt was verified. It also had 2 amounts one for {$42.00} ( the actual Debt ) plus a 40 % collection fee of {$16.00}. I have paid the full amount including the fee, however she called my ex wife several times after I said don't due to issues with her being my exwife and to be honest she has gone back to her maiden name so not sure how they got that number at all. I asked her several times not to call her and she did anyway. I also think the collection fee is unfair it isn't interest its obviously a fee they just decided to add for no good reason. I also have asked once again for an itemized bill so I can match it against the insurance payments but they refuse.
05/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.
10/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92660	Web
I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX in the amount of {$3600.00}. I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.
09/11/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08330	Web
I had a debt owed in the amount of {$1500.00}. I contacted the Debt Collector, North American Recovery, to begin the repayment process. I paid {$400.00} immediately, and entered into a payment plan to pay the remainder ( roughly {$32.00} every 2 weeks ). I received a document indicating that roughly {$860.00} had been paid or credited to my account, which seemed to me that the company matched my initial payment with a credit. However, they indicated that I still owed roughly {$1100.00}. I have contacted them at least 3 times regarding this discrepancy, and I have continued making payments during that time. On one occasion I was told that my concern was escalated and that I would be contacted by a supervisor ( I was not, despite providing my contact info ), on the second I was told to email XXXX with the statement I was sent as well as any other relevant details. My third attempt to resolve this involved me emailing the above referenced email on XX/XX/22, and I was told by my representative over the phone that I would hear back within 2 weeks. The automatic reply email I received indicated I would hear back within 30 days. I was never contacted during the 2-week period after the phone call. The 30 day period passed, and I still had not been contacted. I followed up via phone and was not provided any additional information. Per the company 's own communication, I should owe {$400.00} less than what they currently declare my remaining balance is. I have given them ample opportunity to respond, and made a good faith effort to address this issue, and it still has not been resolved.
03/20/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80110	Web
Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84054	Web
NAR INC Never once contacted me. I have no idea or proof of such alleged debt. My XXXX XXXX XXXX have been relised to the Credit bure without my concent. They put a collection on my credit of XXXX on one reprt and XXXX on another with it beeing an open account like im missing payments monthly. This alleged debt is not mine to my knowlege and yet somehow without informing me of the alleged debt they are able to put it on my credit report and release my medical records without a signed hipa aggreament. Please help me get this off my credit report imediatly. I am looking at option to sue this company for reporting faulse debt on my credit report. This is my last attempt for someone to force them to be accountable and to not allow them to destroy my credit over some allegged bill I know nothing about other than what is shows on my credit report. Account info Account name NORTH AMERICAN RECOVERY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX This alleged account just appeared on my report I do not know of this sceem they are trying to pull. XXXX XXXX account. {$5.00}, 792 past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$5700.00} Balance updated XX/XX/XXXX Recent payment $ 200 Monthly payment {$0.00} Original balance {$5600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
12/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84105	Web
I was taken to the emergency room of the XXXX XXXX XXXX on Friday, XX/XX/XXXX, after sustaining a serious injury from a XXXX XXXX. I submitted my insurance information and my dad helped pay off the {$220.00} remaining after insurance paid the rest. I assumed it was all taken care of by then. However, I received a phone call from North American Recovery on XX/XX/XXXX saying that I owed a debt of {$460.00} on that same bill. I called back a week later after confirming that North American Recovery was a legitimate agency and not a scam, and I told them that as far as I knew, the bill had been paid in full. I attempted to contact the XXXX XXXX XXXX to ask about the debt, but I did not receive any response. On XX/XX/XXXX, I sent an image of the receipt, and I received a response on XX/XX/XXXX that my dispute was not legitimate. I later discovered that this debt was to pay the XXXX doctor, which was different from anything that had been paid already. However, I did not receive any notice, written or oral, about this bill until XX/XX/XXXX, and it was added to my credit account on XX/XX/XXXX ( before I got notification that it was a legitimate bill and had not yet been paid ). I do not feel I was given enough notice that this bill existed. I did not receive any communication from the hospital that I had any outstanding debt, and furthermore, I do not feel like I was given adequate time to confirm the legitimacy of the debt after it was sent to collections.
10/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84065	Web
Was initially contacted my a debt collector to collect a sum of money over {$9.00} for repairs to an apartment I used to live at. I vacated this apartment over XXXX year ago and my ex wife was the one remaining there. After move out in XX/XX/2021 I we were told we would be contacted with the final amount owed which never happened. I contacted the landlord about my security deposit and was told I would be called back. Missing the call back they left a voicemail stating the only amount I owed to them after move out was around {$500.00} for pro rated rent which was taken out of my security deposit along with a small repair. I didnt think much of it until XXXX years later I get a call from a collections agency saying I owe over XXXX for initially what was a flooding repair. I stated I have email proof emailing for maintenance to come out to fix the problem and each time they came they couldnt find anything wrong. Eventually the pipes burst multiple times over the years because of bad and rotted plumbing and they tried pinning that on me after move out so when I questioned it then the story changed to the reason for the collection is instead now carpet and a couple blinds. I dont know where in the world a small XXXX bedroom apartment that had only half of its square footage actually carpeted costs over {$9000.00} nobody wants to give me an exact list of repairs or charges and I was only notified about this until it hit my credit and ruined it.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77066	Web
I have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90028	Web
XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.
05/26/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80227	Web
A medical debt was obtained by N.A.R. North American Recovery from XXXX XXXX XXXX XXXX Hospital and was billed to myself on XX/XX/XXXX for the amount of {$530.00}. I was next billed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of N.A.R. for the amount of {$550.00}. I contacted XXXX XXXX XXXX onXX/XX/XXXX and was told my account balance would be {$710.00}. I asked for an explanation or summary for charges at the time and was told " they could n't disclose that until the bill was paid in full. I reluctantly paid the full amount of {$710.00} which processed onXX/XX/XXXX by N.A.R. I asked for a summary to then be sent to me for viewing. The summary arrived quickly on theXX/XX/XXXX, however, did not state anything except that it was paid and the amount. I called N.A.R. on XXXX XXXX to ask for a summary or explanation of charges and was transfered to XXXX XXXX XXXX. I was told the charges added were for the summons that had been prepared by their law office. I asked the legality of adding fees being collected by a debt collector, and was told I had signed an agreement at the hospital on the date of my accident that I would cover any and all legal fees associated with this bill. My question would be is this a valid charge for interest & legal fees?
02/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91321	Web
In XXXX I forgot to update a reoccurring payment with XXXX XXXXXXXX Credit Card. I was unable to access the account for several months because of their office hours. In XXXX I again attempted to settle the debt that was sent to collections. It was sent to to North American Recovery for collection. I worked with their representative to pay the debt over the phone. They collected my payment information but apparently never processed the payment. In the meantime I thought the debt was paid in full. 4 months later upon trying to apply for credit the debt showed it was still in default. I contacted the original creditor XXXX XXXX who said the collection was with still with NAR. I contacted NAR, whom told me the account was with XXXX XXXX XXXX their Attorney. The Attorneys told me the account was sent back to NAR. For 10 days I was unable to pay the debt because no one could tell me whom to pay. Eventually, NAR accepted my payment but refused to send me a paid a in full letter. XXXX XXXX has still refused to send me a paid in full letter 14 days after payment. There has been no communication to help settle this matter which is affecting my financial situation. It should not take a consumer 5 months to settle a debt they claim and want to pay off. Please help.
05/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 39211	Web
In mid XX/XX/XXXXI got really sick I had 3 XXXX 2 XXXX, one XXXX. I have two credit cards one w XXXX XXXX & XXXX XXXX I contacted both companies and explained to them that I had been sick and XXXX as a result of that I was left broke bc I couldn't work. So they both said that they offered a hardship program for people like me and that it was stated in the contract when I received my card. They informed me to mail proof of my medical condition, I sent them a XXXX page report detailing all my XXXX XXXX XXXX and Dr visits along w a letter explaining my situation. I got a letter back from The XXXXXXXX XXXX company saying everything is good and the voided my debt, ( I'm including a copy of that letter incase it helps ) I never received anything From XXXX XXXX so I assumed that if XXXX XXXX excepted everything. XXXX XXXX would too bc it was the same exact paperwork sent at the exact same time apparently they didn't bc now they are suing me Using a company called N.A.R which I think stands for N American Recovery its posted all over my credit report I called XXXX XXXX And they gave me the run around and was very rude and their hold times are hours long to rude customer service you would think w all this covid 19 pandemic they would be nicer and more coorperative
01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92394	Web
The original creditor, XXXX XXXX apartments has claimed that I never paid the amount of {$2800.00} to break my lease. It was documented the payment was received between the dates of XXXX XXXX XXXX The leasing agent at the time also had me sign documents stating that I was breaking my lease early, months prior but failed to keep them on file. I have spoken with the corporate office of the original creditors but they have done nothing to further investigate the matters now that they operate under a different agency. My account and information were sold to a third-party debt collection agency several months later without my acknowledgment. Being that I relocated my residence to California on XX/XX/XXXX of 2022, I have been continuously called claiming that I owe XXXX XXXX through the debt collection agency North American Recovery. Knowing the law of the State of California, North American Recovery is in violation of the Senate Bill No. 908 Chapter 163 Section 1 Sec. 1788.11, ( B ), Section 2 Sec 1788.52. They are also in violation of the XXXX XXXX XXXX XXXX due to the company not having the license to collect a debt in the state of California. I have not signed a wet signature accepting or verifying this debt as mine which is also in violation of my rights.
10/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	UT XXXXX	Web
In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.
08/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30088	Web
XXXX XXXX XXXX and XXXX XXXX has advised that i owe a debt to XXXX XXXX - The Initial Phone Call the agent was extremely rude, condescending and extremely difficult to communicate with has she repeatedly cut me off and over talked me. This debt was a result of an ex boyfriend stealing my credit card and using it, i did not know about the debt - once i was made aware i paid it in full in XX/XX/2018. I contacted XXXX XXXX and they transferred me to the XXXX XXXX - XXXX XXXX to pay the account in full. I did so, i have a paid in full letter. I contacted XXXX to verify how long it would take for my credit bureaus to update as paid and they transferred me to NAR - NAR stated the debt was still owed and thats ' when the agent refused to let me speak. I advised XXXX XXXX on the call, i paid the debt in full - she advised me to email a copy of the letter. I emailed the letter twice and received an additional inquiry in regards to the debt XX/XX/2018 stating it was still due. I have reached out to NAR now 4 times advising i have paid this debt and there is a disconnect in communication - where they are not understanding or updating this information. At this point i do not know what else to do, besides get an attorney involved.
07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 833XX	Web
The collection company had sued me for a car repossessed that I co-signed. They originally were asking an amount of {$10000.00} which was what the bank claimed they had in lost after they repossessed the car. After going back and forth on the how much the car was truly worth, the collection company made me an offer to lower that amount to {$5700.00}, which I ended up accepting since I didn't want to spend money on a lawyer or anything. So the final settlement is set at {$5700.00} to repay {$130.00} per month which was signed by the court from the XXXX Judicial District, XXXX XXXX County ( shown on the attached file ). since then I have made two payments which doesn't show on my credit record. The problem is that I contacted them ( attached file ) and they refuse to update the collection amount from my credit record. the amount is sitting at {$11000.00} right and it keeps increasing. Since the settlement was finalized the amount had increased by {$780.00} on my credit report, which has caused my FICO to drop 25 points ( shown on the attached file ). This has caused me to be rejected from getting a loan from XXXX XXXX for a XXXX I recently had, so I had to get a loan of {$6000.00} from a private party at a interest rate of 26 %.
04/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28278	Web
I have communicated with the company ( N.A.R. Inc ) via mail to indicate that the collection does not belong to me. The company they are representing I have never had any affiliation with meaning the debt does not belong to me. It has been placed on my and my wife 's credit reports and I want it removed. I have a copy of the letter that I sent with details of my situation as well as dates when I have attempted to call them without any reprise. A letter was sent in XX/XX/2023 to have the {$330.00} removed from my credit account but no actions have been taken. I provided documentation showing that the company they represent I have never had any interactions with. I have called them on seven ( 7 ) different occasions between XXXX XXXX XXXX XXXX XXXX. I finally spoke with a representative XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and asked them to send documents showing I had any accounts or interactions with the indicated company ( XXXX XXXX XXXX ) and I have not received any communication. Today is XX/XX/XXXX ( 35 days later ). I am asking again for them to remove this information from my credit account and to send me communication unbinding me from any transactions with their company.
07/31/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	UT 84109	Web
XXXX XXXX from N.A.R. Inc. has in fact called me a couple of times today, within a 4 minute timeframe, I got a call from my mother stating that I needed to call her back because she received a call from XXXX directly after her attempt to call me. XXXX XXXX would not say who she worked for ... she did not tell my mother that she was a debt collector ... she did not say that this was an attempt to collect a debt. She gave my mother my personal information, including what phone number they had listed for me, and which address. She started the call by saying that she knew me, and that she was trying to get ahold of me. She said, I have the phone number *--*** for her, is that correct? Also the address. Then proceeded to drill her for information on where I am currently working. She also said that she had left me a couple of messages when she in fact has not. I do not answer unidentified number calls, unless they leave a message, I dont call them back. To top that off ... I called her back twice, and she didnt answer. Her voicemail doesnt identify where she works. I had to XXXX the phone number to find out where she works. This is harassment ... plain and simple.
06/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 760XX	Web
This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature.
01/27/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92154	Web	Servicemember
XX/XX/XXXX, XXXX XXXX XXXX from North American Recovery was contacted. First of all, she was rude, but I guess that is expected. She stated the amount owed was XXXX. XXXX also stated there is no interest being charged to the account. Which is great, however, the ending balance for this account was XXXX. There also seems to be interest added of XXXX. I told her that we have not gotten any correspondence since 2016. She said that is not a problem that she can send us the new information via mail or email. I asked for both. I never got an email from her and I am still waiting on the information in the mail. XX/XX/XXXX, XXXX XXXX from North American Recovery was contacted. She was also rude. She also stated that a settlement can not be reached due to company policy. I asked her about why we are getting interest of XXXX when no interest is being charged on the account? She could not give me a straight answer. I asked to speak to a supervisor. She said that is not a problem. At XXXX she asked if we can hold for a supervisor? I of course said yes. I waited on the phone until XXXX with no resolution, and I was not able to talk to a supervisor.
11/14/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80110	Web
Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.
08/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84321	Web
I took my son to the emergency room with XXXX XXXX XX/XX/XXXX. My son is double insured with XXXX and Medicaid. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called NAR thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since Medicaid did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to XXXX XXXX attorney for a lawsuit. After doing some research and calling Medicaid and the original debt owner I found that the bill was paid by Medicaid within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from Medicaid showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.
10/08/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	UT 84414	Web
XXXX XXXX Sent Debt to Collections of Overdraft Fees. Which should of Been Reclined as Payment Plan I was offered. I disbuted the Amount oweing I sent in Several bank Statements with this amount is conflicting with the one the Debt shows which is over {$500.00} difference Is sent to Collections again shows on my Credit Report Still getting monthly bank Statements from this Bank Now I have Garnishment of my Payroll and this has Caused me A Historical Catastrophic Financial Response Taking my pay out of 20 % Also XXXX XXXX XXXX XXXX XXXX i had 27 hrs taken off also I am now Facing Debt Home Utilites Vehicles Insurances etc etc Damaging Threatening Occuring The Bank gets there {$1100.00} while I am now facing Repossions More Debt Higher Intrests Credit Damage Behind in Payments for what something that happened of {$190.00} in the Beginning If they had only sent me proper Documents and correspondence I would of Known to Resolve I tried to go in there and Resolve Oh we cant your account is closed but why are you sending me Monthly bank statements..They rather get triple the amount Proven.
02/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33161	Web
I tried making a dispute with the credit bureau about this account on my file. With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter North American Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
12/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 109XX	Web
Please help me! I feel I am being taken advantage of by XXXX and XXXX XXXX and North American Recovery Inc. I had an account with XXXX Bank. That account was closed. I did not think there was a balance once the account closed. I have never been notified about this account. I never had the reason to look into my credit until now because I received a letter from the attorneys office about this debt. I have opened a dispute with the credit bureau as well as XXXX Bank, N.A.R. Inc & XXXX and XXXX XXXX. I feel this debt should not have gone to an attorneys office. I never received written notice or final notification. Every time I ask for additional information I just get a rude response. Calling XXXX and XXXX they keep transferring me to different departments giving me a hard time. Please help me get this account validated and authenticated. The balance is {$4800.00}. Ref. # XXXX - XXXX XXXX XXXX XXXX I have requested billing statements to verify debt as well as if they ever sent legal notices notfiying me this account was sold to XXXX.
08/30/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34761	Web	Servicemember
this company is calling nonstop. they call at least 8 times a day. I have never used this company have told them to send me information to validate this debt.i am an XXXX veteran on social security income. this company, is relentless in their debt collection methods, I feel as if I need to contact the attorney general of Florida. they have reported this on my credit report, in a negative light, they sent letters stating I owe, and to pay. on my credit report XXXX XXXX states CHARGE OFF FOR A LEASE, THEN IT SHOWS 90 DAYS LATE IN XX/XX/XXXX, 60 DAYS LATE IN XX/XX/XXXX, AND 30 DAYS LATE IN XX/XX/XXXX, AS WELL AS THE COMPANY WHICH IS N.A.R THAT IS CALLING ME DAILY, IS NOT THE COMPANY FOR WHICH THE DEBT ORIGANATED. I AM ASKING THEM TO DELETE, AND REMOVE THIS FROM MY CREDIT REPORT, TO STOP THE HARASSSING PHONE CALLS. AS I HAVE NEVER SIGNED ANY DOCUMETS, HAVE NO IDEA WHO THEY ARE OR WHY THEY ARE CONTACTING ME, I INFORMED THEM THE FIRST CALL THAT UNDER FEDERAL LAW THEY HAD ONE TIME TO NOTIFY ME OF A DEBT AND TO NOT CALL AGAIN.
01/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33144	Web
A few months after my visit to XXXX XXXX XXXX XXXX I got a bill which I paid, but then 11 month after my visit I got an alert on my credit report. I had a collection from " XXXX XXXX XXXX '', a collection agency and the original creditor was " XXXX XXXX XXXX XXXX XXXX ''. After many calls I discovered that XXXX is the billing agency for the doctors at XXXX XXXX XXXX XXXX, and that they never filed a claim with my insurance. I never even received a bill from them ; they sent it straight to collection, and to my credit report. XXXX is rather a shady company or an incompetent one and I'm not sure that their methods are even legal. I contacted XXXX XXXX XXXX with my Insurance on the line. They refused to submit a claim to my insurance. I filled out my insurance information when I was in the hospital. It's not my fault that XXXX didn't file a claim with my insurance. and then they're allowed to sell my bill to a collection agency that refuses to submit a claim. How is this legal!?
07/22/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33596	Web
I have a collection on credit with XXXX XXXX that I have been trying to settle and satisfy. Through my research, XXXX XXXX does do settlements with their customers. In speaking to XXXX XXXX, they have a 3rd party, NAR or North American Recovery handling their collection of this account. When calling NAR, they state that they do not own this debt and are collecting on behalf of XXXX XXXX. I tried to settle this account out with them and they are stating that they do not do settlement agreements. I find this to be against XXXX XXXX 's practices and as a violation of the FCRA collection rules. How can XXXX XXXX allow a company to collect or act on their behalf but have horrible business practices? Also, I never signed any disclosures stating that XXXX XXXX could transfer my personal information to a 3rd party. This company NAR is contacting and attempting to collect a debt from me illegally.
11/05/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	UT 84118	Web
I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against me.
08/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84084	Web
Withdrawal money joint account ( Husband and I ) from XXXX XXXX XXXX XXXX {$7000.00} ( lost receipt around this figure ) I believe that happen in XX/XX/2018 at XXXX XXXX XXXX XXXX, UT XXXX. I showed up with my identity photo id that they required.i cant speak XXXX very well, i cant drive, i was staying brother house with my XXXX kids as guest because i don't have a place to live.all of sudden my brother received a letter from N.A.R. inc.for collection .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX that i owed money {$1500.00} from XXXX XXXX XXXX XXXX which i never aware of that. 1. I never take a loan from them 2. they done something mistake they are trying to collects from me. 3. they giving hassle my brother sending those kind of letter and my information which they are not supposed to. 4. i never owe money from them i withdrawal money from our joint account.
06/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80015	Web	Servicemember
I had a health provider who filed a claim with my insurance company, who in return paid for a percentage of the original bill. The Explanation of Benefits from my Health insurance company showed that I was covered 100 % for the bill, and that I did not owe any amount to the provider. However, the health provider still sent me a bill for the balance of the original total, less the amount paid by the insurance company. The Health provider subsequently sent the debt to a collection agency, who immediately reported it to the credit agencies, XXXX XXXX and XXXX. I have since written letters to both the Health provider and the collection company explaining to them why I do not owe any amount for this bill, and provided them with a copy of my EOB from the insurance company. I have not received a response from either the Health Provider, or the collection agency.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80231	Web
In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
06/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 125XX	Web
Problem North American Recovery is reporting I still have a debt. The amount is {$220.00} North American Recovery is the debt agency that is dealing with XXXX XXXX debt. On XX/XX/XXXX I entered into a agreement with XXXX XXXX XXXX XXXX XXXX XXXX who was working on the behave of XXXX XXXX to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. For the last 18 month, XXXX XXXX and North American Recovery report are still report out to all 3 credit company that it is not paid and I will owe the money. On Mon, XX/XX/XXXX at XXXX XXXX I sent North American Recovery the below documents and they still have not done anything about and is still report that it is not paid.
10/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	ID 83714	Web
XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.
03/22/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ID 83401	Web
I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement.
09/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MI XXXXX	Web	Older American, Servicemember
Information for N.A.R. Inc. On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank to XXXX ( Bill of sell, Crook 1, Crook 2 ). These are the person who hacked into my computer between XXXX and XXXX. From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks 1 and 2. I would like to Know HOW many other fake accounts were set for the XXXX up by these two crooks!!!! I am A XXXX XXXX XXXX XXXX veteran!
11/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33025	Web
On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC ) reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.
08/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30088	Web
I paid this debt on XX/XX/18 In Full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1000.00} Credit Card Number : XXXX XXXX XXXX XXXX This Company North American Recovery Continues to insist that i owe this debt. I paid this debt before XXXX XXXX XXXX had a chance to Send me a notice. XXXX XXXX sold this loan to two different Debt Collection Agencies This is harassment and i am have been going back and forth between XXXX XXXX and XXXX since XXXX to show and proof that i do not owe this debt. I do not understand how TWO different companies ended up with the same debt. Why Hasn't XXXX XXXX stepped in to verify how two agencies received this debt. This is harassment. How is this legal and lawful for one debt to be sold twice. I am again attaching both Paid in full letters received in regards to this debt.
05/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CO XXXXX	Web
we were on six month lease with the owner ( i do not recall his name ) and real property management Colorado, we received a call that the owner would be returning to the house that we were residing in and he would be moving in the following month. And we weren't allowed to renew the lease for that reason and had a month to clear out, our deposit was not returned to us. and we also replaced the stove while there because the original stove did not work, which i never got compisated for. i did not receive an answer. as i left when the lease terminate and i never received my deposit nor the {$800.00} for the stove.this account is on my credit report and is inaccurate, i called NAR XXXX XXXX ) at different times today to explain the situation but they did not answer. i need this account removed immediately.
03/05/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74133	Web
Over the past two weeks, I have received over 50 calls from this number XXXX. When I pick up the phone, the call is IMMEDIATELY disconnected. I started ignoring their calls, however they continue to leave voicemails that are one second of silence. I had no idea who they were or why they were calling me. When I attempt to call them back, I am placed on hold for 20 minutes and was never connected to a person, the line went dead. I looked the phone number up online and discovered the company was North American Recovery. I have received no mail communications, no actual phone messages, I do n't know why they are calling me. If i indeed owe them money, they are not letting me know who they are, how much I owe, or how to pay. All I get are hang-ups and empty voicemails.
11/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10457	Web
I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.
11/05/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	UT 84067	Web
Back aroundXX/XX/XXXXof XX/XX/2019I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills
03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84115	Web
NOTIFIED NAR over the phone I I would be sending first an affadavit letter by certified mail with RETURN receipt and then a followup letter including my police report to show the XXXX account was closed due to fraud. Under federal law I am within my rights to exercise my FCRA and FDCPA rights under the section of the federal Bill of rights and fraud rights of Identity theft under federal law. They sent a letter back violating my rights stating my affidavit was frivolous with a screenshot of a computer image. Now I am requesting for the CFPB to get involved during this dispute process with NAR. For each violation I plan to file a new claim with the CFPB for each occurrence including but not limited to litigation if deemed necessary.
07/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80026	Web
The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.
10/01/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT XXXXX	Web
N.A.R claims I owe {$1000.00} to XXXX XXXX. This account was paid off at one point, I do not have the exact date account was paid off, however, fraudulent charges were made on it thereafter. I was unable to resolve charges with XXXX XXXX I was paying on the account via auto-pay for several months despite the fraud activity, XXXX XXXX chose to close account and discontinued my auto-pay, sent account to a third party collection agency by the name of XXXX XXXX. I believe they sold account to N.A.R realizing the fraud activity and failure to collect on it. Please advise N.A.R I refuse to pay for charges I did not authorize, this consists of the entire balance which I already paid part of, despite fraud.
10/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 992XX	Web
There are two instances that I'm writing about. First is with XXXX, they are reporting that I had three accounts with them when I only had two accounts and I have asked them to consolidate the collections into one account rather than three as it is affecting my credit and I do not want to begin making payments until that is resolved. Second, is with XXXX XXXX XXXX XXXX and north american recovery, They are charging me, what I feel is an exorbitant amount of interest, but also it is supposedly from an overdrafted account but I received a final paycheck to that same account that should have more than covered the amount to have been overdrafted and I am being refused helped when it comes to this.
02/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48504	Web
XXXX XXXX XXXX with the account number XXXX is said to be a collection account that was sold to North American Recovery with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
10/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84119	Web
Around XX/XX/XXXX I went to XXXX XXXX XXXX office they confirmed they accepted my insurance. And then in XX/XX/XXXX I seen the debt on my credit report. The company never sent me a letter in regards to owing a bill. And so I reached out to XXXX XXXX XXXX office and spoke with XXXX in billing she confirmed that she made a mistake when submitting the claim, we both spoke with XXXX and confirmed that I was covered at the time of service. XXXX said she will fix problem and have it deleted from my report. 2 weeks later XXXX XXXX office is out of business and debt is still on my report. I have disputed several times with XXXX band XXXX and they will not deleted it from my report.
06/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60629	Web
I am victim of identity theft. this account doesn't belong to me. i am already in collection. i called the company and them told about wrong information mine, they have wrong address, wrong phone number, and wrong email, but have my social security number and my name. I already made a dispute in XXXX, and XXXX, and XXXX. the account is : Collection Agency : NORTH AMERICAN RECOVERY Original Creditor Name : XXXX XXXX Date Assignated : XXXX Original Amount Owed {$2400.00} Ammount : {$2400.00} Status : UNPAID Account Designator Code : INDIVIDUAL ACCOUNT Account Number : XXXX Creditor Classification : FINANCIAL Date of First Delinquency : XXXX
07/03/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ID 83642	Web	Servicemember
Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$200.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I have never heard of, from, or about what this debt is for. I just paid a collection for the same parent company for almost the same amount. I have not received written, verbal or otherwise any form of communication from debt collector and woke up to find this on my report. I have not been given the chance to validate the debt and if it is valid make arrangements to pay it off and have this collection account removed from my credit report.
02/08/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76013	Web
I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.
10/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	UT 841XX	Web
NAR, INC is trying to enforce a settlement judgement and execution of writ on judgment proof assets and income as my only source of income has been XXXX. Repeated harassment at my residents which recently my landlord office received complaints from neighbors that a constable service from XXXX XXXX, who continues to bang on the door and altering my door by taping up the door with notices. This is my residents but I do not live in my unit for my own safety as I stay elsewhere. However, I am receiving contact from the landlord office about their constable service disturbing the peace at this community residence.
01/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95380	Web
XXXXXXXX XXXX credit card debt total of {$1400.00}. They were transfered to a collection company called NAR ( North American Recovery ). I recently paid the amount in full on Friday the XXXX of XXXX. I called and requested a letter of confirmation of payment made by the collection agency but they failed to do so. They told me to call the original credit company XXXXXXXX XXXX but was asked to give NAR a call back since they were dealing with the debt collection. They took me back and forth and nothing was resolved. They failed to send me a confirmation letter confirming that I have paid the debt in full.
04/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33810	Web
Hello, I have made several phone calls to this agency and I have written and mailed certified/notorized letters regarding this debt with no relief. This debt was for furniture that I paid monthly for and I have my payment receipts to prove payment. It is showing on my credit bureau report as a collection. I have filed disputes with the credit bureaus and again have had no relief with them removing it. I dont know what else I can do to get them to close the collection account and remove it from my credit bureau report. This purchase was in XX/XX/2014. Can you please assist me with my case? Thank you
12/14/2022	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NV 89110	Web
They did not use abusive language. The problem is they called me looking for someone else. They ask me if I knew the person and i never responded. The person XXXX ( unknown spelling ) proceeded to tell me their clients personal information in an attempt to gather more info. I attempted to warn them to not give me someone's personal information and then explained that I never verified knowing the person they called about. They in turn hung up, but it's too late personal information was given out to unsuspecting people. I called back the number and left a voice mail about not giving info out.
11/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80207	Web
North American Recovery has been harassing me and has failed to provide information necessary to determine if an alleged debt is valid. They have called me repeatedly and spoken to me in a combative and threatening manner and made numerous threats. I have multiple times provided them my correct address and requested a written description of my debt per my legal rights. I have received nothing from them. I recently discovered a negative entry on my credit report attributable to them that arbitrarily exceeds the amount they previously claimed I owe.
12/13/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	UT 84084	Web
On XX/XX/XXXX I received two calls, back to back, that popped up on my caller ID as NAR. When I answered the second call, they introduced themselves as calling from XXXX XXXX XXXX XXXX. I confirmed no business with said company and asked the reason for the call. Once I verified my name, they switched their identification to North American Recovery. They called again, twice in row on XX/XX/XXXX, and contacted my spouse twice in a row. Unfair collection practices identifying themselves as another company, and placing continuous calls.
05/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23452	Web	Servicemember
I filed a dispute regarding a charge off credit card and the card XXXX bank sent back information stating it was valid. I called to try to settle it on XXXX and they sent me to NAR collections stating they had it and to call them. I emailed NAR and they stated it wasn't with them anymore XXXX had it and that they were removing it from my credit. I am submitting the email and want to make sure it is removed and XXXX doesn't try to mess with me again as this is affecting some matters in my life and I tried to make it right.
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84118	Web
XXXX XXXX XXXX and North American Recover are double reporting a debt on my credit file that needs to be removed. I recently looked at my credit file and noticed that they are both reporting a repo on my credit. This is a violation under the FCRA and the FDCPA which they are both regulated under. This needs to be resolved immediatley. I am aware that they report to the bureaus as they deem necessary and I ask that they report within guidelines and discontinue double reporting a debt.
12/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MT 59801	Web
I got a call from XXXX on XXXX XXXX, 2017 calling about a debt somebody owed but it was n't me. I do n't know how they got my number AT ALL. I am under my parents phone bill and how they got the number is beyond me. He refused to tell me who and why he was calling me at the crack of dawn. I called back repeatedly to find out why he had my number and who he was and he refused a manager, or any information. I am on the do not call list and should not be getting these calls.
08/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 84075	Web
I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84124	Web
XXXX XXXX XXXX # XXXX is double reporting with NAR # XXXX on my credit report. I got scammed via my XXXX XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with NAR to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.
02/06/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	AZ 85281	Web	Older American
North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.
07/31/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.
11/03/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MO 641XX	Web
The disputed amount is {$700.00} which is a false statement. We owe nothing on moving out. XXXX XXXX had lost a injury lawsuit to me before we moved out, and this is their retaliation tactic. I have statements from previous residence, that says they were not charged any type of cleaning fee which is what they described my bill as. This is a retaliatorial attempt to get back the money that they lost in my injury lawsuit against them.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48220	Web	Older American, Servicemember
Over 7years ago XXXX bank card started taking money from my other charge cards! They were taken to court in XXXX and paid damages BUT did not put back money that they took from my XXXX bank card! In XXXX the case against me by XXXX was dismissed I have been getting threating phone calls again from N.A.R. 6 to 10 times a day! XXXX Bank took over XXXX from most of the card that I had to cancel!!!!
06/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 850XX	Web
NAR INC is reporting on my credit report fo r XXXX XXXX XXXX XXXX . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84302	Web
This debt from XXXX XXXX XXXX is 5 years old and this is the first I'm hearing about it. I paid rent every month on time and had receipts to confirm. Until just recently because XXXX only keeps mail for 3 years. Not only that but XXXX XXXX XXXX has deleted my account so that THEY can try to SCAM me out of more money. I will not be paying this " DEBT '' as I already paid it 5 YEARS AGO.
11/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 379XX	Web	Servicemember
I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.
12/09/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11803	Web
There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.
08/13/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33610	Web
NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks
09/17/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CO 80260	Web
This debt collector was continuously calling me on the phone and I had to tell them to please stop calling my phone my job to just stop bothering me. So now they went out of their way to actually send a physical person to my girlfriend 's house with fake documents stating that they are suing me for the debt, that is harassment and I want something done about it
09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84041	Web
North American Recovery # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The North American 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
09/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84065	Web
North American Recovery is reporting on my credit report for a very old debt that was actually paid by my insurance over 6 years ago. This is erroneous and I have been disputing it and nothing has been done. The bureaus and NAR are reporting inaccurate information that is old & past the statute of limitations as well as it was paid already by insurance.
05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84094	Web
North American Recovery is reporting an erroneous debt from my credit file. A while ago this debt was sent to an attorney and i was summoned to appear in court for this debt. This case was dismissed due to the fact that the debt was returned to the original creditor. NAR is still reporting these debts on my credit file and i need them removed ASAP.
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84067	Web
North American Recovery is reporting a few accounts on my credit file that I do not owe. Also, they are double reporting the same debt with XXXX XXXX XXXX XXXX. This is a VIOLATION per the FCRA and two companies CAN NOT report the same debt on my credit file. These debts need to be removed off my credit file. Acct # 's - XXXX XXXX - XXXX XXXX
04/19/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	UT 840XX	Web
XX/XX/2019 - I noticed a supposed medical debt on my credit report. I called to ask for validation of the debt and inquired about a payment to delete. They lied about the FCRA and used abusive and obscene language. XXXX XXXX Collector XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Collection Department Superviso
01/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
I received a letter from a collection agency attempting to collect a debt on behalf of XXXX Bank in the amount of {$640.00}. I am disputing the collection attempt as the agency is not license in the state of Florida. Also per the XXXX XXXX XXXX XXXX XXXX XXXX search the company 's license status indicates 'Denied Tech ' ( See Attached )
04/30/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80130	Web
I do not know who this company is, weve received no correspondence from them. They contacted our neighbors to verify where we live. They obviously know where we live, so calling our neighbors and disclosing financial issues to them is harassing and meant to shame us. Ive tried calling them back multiple times but they do not answer.
05/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76017	Web
I sent this company a cease and desist on XXXX XXXX , 2015 . On XXXX XXXX , 2015 , my attorney received notification that the debt was removed from my XXXX credit report. Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on XXXX , not XXXX .
01/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98311	Web
I contacted XXXX XXXX XXXX via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.
05/08/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	UT 84097	Web
I paid this debt in full on XX/XX/XXXX to the constables in XXXX, Utah. Both NAR and the constable agree that the debt has been resolved. However, NAR is claiming that a {$100.00} payment has been lost and is refusing to update the account on my credit report or submit to the court that the judgment has been paid in full.
12/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
I have a company my name of XXXX XXXX XXXX attempting to collect a debt I do not owe. I have attempted to resolve this issue with debt collector but company refuse to provide any type of evidence that this debt belongs to me. Only thing company has done is send statement in mail but has not provide me with any proof
03/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 81212	Web
I was seen at the hospital for a vehicle accident that was causing XXXX-pain issues and XXXX/XXXX XXXX. Doctor never gave me a XXXX-check, or even examined me, just offered me pain pills and discharged me. Still have pain to this day because of the accident but could never afford a lawyer to fight it in court.
01/16/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37042	Web	Servicemember
I was XXXX and did not know i was being contacted as my phone is off. Once it populated on my report, i contacted the company, they threatened to sue and take legal action against. I have paid this debit in full I XX/XX/2019 in the amount of {$2500.00}. I would like this removed on all credit reports.
09/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75078	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Thank you, XXXX
12/06/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
Company is extremely harassing ; This debt should n't even still be on my credit as I have already cleared this up in early XXXX - I do n't understand how a hospital can just take your money and act like you NOW owe a seperate agency. Something is definitely wrong with these two companies.
08/19/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77511	Web
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
A deceased family member used my identity to obtain credit and i advice them i had nothing to do with it nor gain access, so they told me they hear a female on the phone so they assumed it was me trying to get out of debt, this is not my account and reporting negative on my credit
04/01/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	UT 84045	Web
NAR contacted me for the first time on XXXX, I was at an appointment, they called twice in a row and left no message. They then called my boyfriend 10 minutes after calling me and when he said to contact me they contacted my neighbor. None of whom were listed on my debts
10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 601XX	Web
According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. Please Help, XXXX XXXX
08/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	UT 84047	Web
North American Recovery is attempting to collect on a debt I don't owe. I've already paid this debt off and it should not be reflecting on my credit file. I am requesting that this debt be removed off of my credit file as it is not accurate.
12/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 65616	Web	Older American
North American Recovery keep calling me without identifying themselves. They were threating me. After I informed them that it was not my debt they failed to provide any paperwork within 5 days or prove their the ownership of the account.
05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84047	Web
North American Recovery XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84115	Web
North American Recovery # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.
03/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 801XX	Web
North American Recovery has not sent validation of the debt after repeated requests. Additionally, they are not licensed in the state of Colorado, which is a violation of Colorado 's Fair Debt Collections Practices Act.
05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80229	Web
Please Clean My Name Credit and for XXXX XXXX, XXXX XXXX, XXXX XXXX My phone number is XXXX XXXX my email XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents XXXX XXXX XXXX and XXXX Thanks
03/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91016	Web	Servicemember
Saw this on my credit report from NAR inc phone XXXX for XXXX XXXX services in XXXX Idaho. I told them I never had XXXX XXXX in my life and have never lived in XXXX Idaho. They said to bad for you
07/06/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30013	Web
This account was opened fraudulent to XXXX. I advised XXXX also sent police report and FTC report and the account was not removed. NORTH AMERICAN RECOVERY Original creditor : XXXX XXXX {$2300.00}
02/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84044	Web
North American Recovery and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	ID 83704	Web
the agent/case handler threatened to garnish my wages if I did n't pay the balance off. without a proper court order/judgement they are n't not allowed to garnish my wages.
12/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76036	Web
ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.
12/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80021	Web
Hospital was given my insurance, never billed them. Sold debt to NAR and I have given them the policy info and they refuse to bill it or remove it from my reports.
03/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84401	Web
There original debt was showing {$520.00} and the debt collector has changed the amount which is inaccurate to over a {$1000.00} with no communication.
11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84040	Web	Servicemember
I have paid this account in full and it is reporting to the credit bureaus that no payments have ever been made on this account.
04/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN XXXXX	Web
This furniture company is refusing to remove this collection although it has been reported closed and charged off.
04/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web	Servicemember
The reporting agency is reporting that I owe two separate amounts which is not true. I owe this agency no money.
01/06/2024	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web

12/20/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ID 83201	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61107	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85295	Web

02/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32222	Web

01/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70072	Web

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94536	Web

11/23/2022	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 44224	Web

11/10/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	UT 84780	Web

10/06/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28630	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89108	Web

06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 88201	Web

06/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web	Servicemember

04/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98953	Phone

04/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98953	Phone

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84045	Referral

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84720	Referral

02/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90275	Web

12/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84321	Phone

12/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08817	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70072	Web

12/05/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39272	Web

10/28/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 98201	Web

07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33460	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89031	Web

06/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84094	Web

04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84110	Web

04/07/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	UT 84111	Web

01/31/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	UT 84604	Web

12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web

08/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84094	Fax

07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10016	Fax

07/01/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 94531	Phone

11/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	UT 84081	Web

10/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80120	Phone

09/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 84654	Web

06/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11510	Web

04/27/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30309	Web

03/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

01/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34769	Postal mail

11/29/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 84103	Web

10/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44266	Web

08/22/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 86401	Web

08/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	UT 84106	Web

04/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84070	Web

04/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84111	Web

04/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web

03/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84044	Web

03/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web

03/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98311	Web

02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 20716	Web

02/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19004	Web

02/09/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 83301	Web

09/22/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	UT 84044	Web

08/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94563	Phone	Servicemember

07/15/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92596	Web

06/12/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75098	Web

06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

06/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80126	Postal mail

04/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	UT 84119	Web

02/28/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	UT 84335	Web

02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WY 82609	Postal mail

02/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80211	Referral

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89074	Web

01/17/2017	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	UT 84088	Web

01/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 44035	Web

12/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85048	Web

11/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 35601	Referral

11/04/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AR 71743	Web

09/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93307	Web

08/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ID 83301	Web

08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CO 80030	Web

06/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80219	Web

06/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95126	Web

06/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75402	Web

05/24/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	ID 83616	Web

04/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web

03/04/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 46804	Web

02/12/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80017	Web

10/02/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37774	Phone	Older American

08/12/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	CO 80206	Web

08/10/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80301	Web

07/30/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received		Phone

07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75249	Web

06/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80004	Web

04/14/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CO 80015	Web

03/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76031	Web

02/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	UT 84107	Web

02/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80007	Web

01/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	UT 84058	Web

01/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 81007	Web

01/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	UT 84117	Web

12/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80121	Web

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76123	Web

11/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80015	Web

10/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	UT 84332	Web

10/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80015	Web

08/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80004	Phone

06/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CO 80033	Phone	Older American

03/25/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76119	Postal mail

03/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76036	Web

03/10/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	UT 84093	Web

02/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78261	Web	Servicemember

02/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76028	Web

01/21/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	UT 84046	Referral

01/10/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76123	Postal mail

01/10/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76123	Postal mail

01/09/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76028	Postal mail

12/30/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76028	Postal mail

12/23/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76036	Web

12/06/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CO 80831	Web	Servicemember

12/03/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CO 80919	Web

11/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98093	Postal mail

11/01/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	UT 84047	Web