National Enterprise Systems, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/14/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 33033	Web	Servicemember
In XXXX XXXX 2017, I was notified via my employer of a wage garnishment I was not aware of. I did research in an effort to find out exactly what had occurred. I went to the payroll department to find a letter, not a court order for garnishment of wages. In the letter, the following Federal law was quoted : 102-164. Upon further inquiry, it is a company called National Enterprise Systems. They were garnishing me without notification or any means of making arrangements to settle the debt. I have never heard of this company. Do I have students loans? Absolutely. I am currently in contact with those debtors. The amount of money they are taking out has caused grave consequences to my family. I am currently not able to provide for my children, I have XXXX and I also help my elderly parents which I have been providing assistance to. They are garnishing close to {$500.00} per month. I am not able to pay my rent in XXXX. I received a copy of the letter today from my employer thinking it was a court order which gives consumers the right to respond and settle the debt. It is not a court order, but a letter which I have attached. I am unable to survive with this kind of money being deducted from my account without sufficient notification to settle this dispute. The letter is attached which was obtained today. I contacted them with the number retrieved from the letter trying to find validity. Based on the law they quoted, the following did not occur. : ( 2 ) the individual shall be provided written notice, sent by mail to the individuals last known address, a minimum of 30 days prior to the initiation of proceedings, from the guaranty agency or the Secretary, as appropriate, informing such individual of the nature and amount of the loan obligation to be collected, the intention of the guaranty agency or the Secretary, as appropriate, to initiate proceedings to collect the debt through deductions from pay, and an explanation of the rights of the individual under this section ; ( 3 ) the individual shall be provided an opportunity to inspect and copy records relating to the debt ; ( 4 ) the individual shall be provided an opportunity to enter into a written agreement with the guaranty agency or the Secretary, under terms agreeable to the Secretary, or the head of the guaranty agency or his designee, as appropriate, to establish a schedule for the repayment of the debt ; ( 5 ) the individual shall be provided an opportunity for a hearing in accordance with subsection ( b ) on the determination of the Secretary or the guaranty agency, as appropriate, concerning the existence or the amount of the debt, and, in the case of an individual whose repayment schedule is established other than by a written agreement pursuant to paragraph ( 4 ), concerning the terms of the repayment schedule ; ( 6 ) the employer shall pay to the Secretary or the guaranty agency as directed in the withholding order issued in this action, and shall be liable for, and the Secretary or the guaranty agency, as appropriate, may sue the employer in a State or Federal court of competent jurisdiction to recover, any amount that such employer fails to withhold from wages due an employee following receipt of such employer of notice of the withholding order, plus attorneys fees, costs, and, in the courts discretion, punitive damages, but such employer shall not be required to vary the normal pay and disbursement cycles in order to comply with this paragraph ; ( 7 ) if an individual has been reemployed within 12 months after having been involuntarily separated from employment, no amount may be deducted from the disposable pay of such individual until such individual has been reemployed continuously for at least 12 months ; and ( 8 ) an employer may not discharge from employment, refuse to employ, or take disciplinary action against an individual subject to wage withholding in accordance with this section by reason of the fact that the individuals wages have been subject to garnishment under this section, and such individual may sue in a State or Federal court of competent jurisdiction any employer who takes such action. The court shall award attorneys fees to a prevailing employee and, in its discretion, may order reinstatement of the individual, award punitive damages and back pay to the employee, or order such other remedy as may be reasonably necessary. Based on the law provided in their letter, not court order the following information is stated : I was never contacted via phone, mail, email or any other entity. If they were able to acquire my employment information, surely they could have contacted me if they had no way of contacting me. None of this occurred. I am not able to pay basic bills with this wage garnishment. I 'm am behind on basic needs after 3 garnishment deductions. Help is desperately needed in this matter. ( b ) Hearing requirements A hearing described in subsection ( a ) ( 5 ) shall be provided prior to issuance of a garnishment order if the individual, on or before the 15th day following the mailing of the notice described in subsection ( a ) ( 2 ), and in accordance with such procedures as the Secretary or the head of the guaranty agency, as appropriate, may prescribe, files a petition requesting such a hearing. If the individual does not file a petition requesting a hearing prior to such date, the Secretary or the guaranty agency, as appropriate, shall provide the individual a hearing under subsection ( a ) ( 5 ) upon request, but such hearing need not be provided prior to issuance of a garnishment order. A hearing under subsection ( a ) ( 5 ) may not be conducted by an individual under the supervision or control of the head of the guaranty agency, except that nothing in this sentence shall be construed to prohibit the appointment of an administrative law judge. The hearing official shall issue a final decision at the earliest practicable date, but not later than 60 days after the filing of the petition requesting the hearing.
04/05/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 94619	Web
XX/XX/XXXX Student Loans On XX/XX/XXXX, I was contacted by National Enterprise Systems ( NES ) by XXXX XXXX about my defaulted student loans. She informed me that it would be good to go into rehabilitation for 9 months to get my student loans out of default status. She asked for line 1 of my XXXX ( I had two of them ), and she would calculate how much I would owe each month for the next 9 months to get my loans out of default status. The amount was for around {$88.00} and I agreed to this and paid the first month. I also scanned and emailed in a copy of the two XXXX that I had. About a week later on XX/XX/XXXX, I received a call from a XXXX XXXX who informed me that after receiving the XXXX, they realized that I made approximately {$1000.00} more than first thought. I asked how that was possible since I went over my XXXX with XXXX and she did the math to show how much I had made. He alluded that somehow the math was done wrong and that I would have to start paying about {$98.00} a month, but they would take the first payment of {$88.00} as the first month, however all payments here on out would be {$98.00}. I asked him to explain the discrepancy, since I followed all what XXXX. XXXX asked me to do. He could not/would not explain it and only stated that if I wanted to stay at {$88.00}, they would put me in a new type of program and I would have to start over, but if I agreed to pay the {$98.00} a month, it would continue for the next 8 months to get my loans out of default status. Thus, I agreed and arranged to start paying the new amount of {$98.00}. The following week, XXXX XXXX started calling me repeatedly every day, harassing me while at work. When I finally spoke to XXXX. XXXX, she explained that the first payment of {$88.00} would NOT be used as the initial payment, since I was now changed to {$98.00}. They would take the initial payment of {$88.00} and put it towards my loan ( without my approval ) and my rehabilitation would start over with the new amount. I told her that I was not told that by XXXX, and this is the second time that my information has been changed. She could not explain it and sent me over to XXXX to speak to him. He became irate quickly as I was asking for an explanation for the changes and said that the decision was made by administration above him. I asked to speak to whomever is the decision maker and he said I could not, and the only person I could speak to was escalation team. He tried to send me over to them and just hung up on me. I called back, spoke to XXXX, who then sent me to the escalation services. I spoke to XXXX XXXX and she first tried to explain to me the same thing that XXXX explained. She then looked over the XXXX that I sent in and stated that it looked like they took the information from box 5 instead of box 1, which held tips, Medicare, etc. which raised the amount I made an additional {$1000.00}. I asked her why would they do that when the first person I spoke to ( XXXX ) used box 1? She could not explain, but instead asked me to send in my XXXX from XX/XX/XXXX and she would look at that and possibly be able to lower my price again. I told her that at this point, XXXX gave my misinformation, XXXX gave me misinformation, and know she ( XXXX ) was changing the information again. I told her that I was not comfortable with all the changes that were happening every week and wanted to find out more information about my loan. During my first conversation with XXXX, she stated that the loans where with XXXX and XXXX XXXX. As I checked my credit reports, it has the same loan being reported derogatory by three different companies for the same loan XXXX XXXX XXXX/XXXX, XXXX, and XXXX XXXX. XXXX XXXX XXXX/XXXX and XXXX are reporting paid and closed, and XXXX XXXX are reporting derogatory on XXXX and XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXXXXXX are reporting paid and closed on XXXX. When I called the XXXX XXXX XXXX, they stated that XXXX does NOT have my loans, that XXXX XXXX has it and to call them. I was dealing with XXXX XXXX a few months ago, I asked about a settlement, the person said he would ask and get back in touch with me. I never heard back. When I called XXXX, they said they have the loan, but would not take any payments, that I would have to go through NES, they did not mention XXXX XXXX at all. When I spoke to XXXX XXXX XXXX, I explained that I just wanted to verify who had my loans and how I can get them paid ( settle or monthly ) and at this point, I am getting the run around and told to call someone else. Also, all three companies should not be reporting on the same loan at the same time. They told me to call Oh Budsman a third party group that deals with problems with student loans. I called Oh Budsman and spoke to a woman there. The woman stated that I should contact the escalation team at XXXX and get to the bottom of it. She gave me the phone number of XXXX but when I called the number, I got the same automated information that I got the first time I called. I called at XXXX PST, and the company said it was closed and hung up on me. I called Oh Budsman back and spoke to another woman. They said they would email XXXX XXXX on my behalf and if I do not hear from them I 7-10 days, then I need to call Oh Budsman back. Basically, I am getting the run around. I am trying to figure out who has the loan, get it out of default status by paying monthly or settling the account. I keep getting harassed with phone calls from NES and when I answer, I am getting misinformation and told something new. They are penalizing me for following instructions given to me on day one. I have been dealing with my student loans since early XX/XX/XXXX. The 2 loans where supposed to be deferred until XX/XX/XXXX while I was in college but defaulted in XX/XX/XXXX. Since then, I have tried to handle it by settling or trying to pay, but keep getting misinformation, or not being contacted at all for months while they add interested to the loans.
04/29/2018	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	GA 30038	Web	Servicemember
XX/XX/XXXX National Enterprise Systems ( NES ) contacted me on behalf of XXXX a private student loan. I asked for loan documentation amount, loan guarantor written correspondence address and current payment proof. This was due to the fact that my loan was moved to a collection agency while making payments as agreed an the amount agreed between XXXX and myself. I was denied information and told that NES was hired to collect he funds and my only option was to pay them. They had no information regarding my loans and failed to produce any legitimate information from XXXX. The payment options given were to get a second mortgage on my home, cash out my retirement account, defer other payments to pay them a lump sum, ask a family member or a friend for the lump sum, if I had friends. I was called a liar, yelled at and accused of not wanted to pay the debt, although NES produced no information from XXXX and the account numbers printed on the original documents were not any account numbers that I had. As a result, I asked NES to stop calling me because I did not agree with the yelling and constant phone calls but I was told that I couldn't tell them to stop calling and that they were going to do what they were hired to do and if I didn't pay them, they would garnish my wages and military pay. XX/XX/XXXX I blocked their number to stop the calls but still didn't receive any documentation in the mail to validate the debt. In retaliation to me blocking their number, XXXX XXXX called several public numbers for XXXX XXXX XXXX XXXX asking if I worked in the office. She posed as a worker from XXXX XXXX asking if XXXX XXXX had ordered a shower rod to be delivered to the base. As this was strange for me to do such a thing, my superiors called me and informed me that someone was calling around base asking for me, requesting numbers and email to contact me regarding my shower rod. When the person they spoke with refused to give them my information, they were asked to, tell me to call XXXX, XXXX. XX/XX/XXXX XXXX XXXX continued to call XXXX XXXX XXXX XXXX seeking information about me and I was informed that she called everyday, multiple times a day. Although, she was informed that I was not in the office and everyone refused to give out my personal information. When I arrived at the base later that month, I received all the messages and contacted the XXXX XXXX number and asked to speak to XXXX XXXX . I spoke to XXXX XXXX instead who denied my number being in their system and could not provide any information but did confirm that XXXX XXXX was an employee there but would not allow me to leave a message since she couldn't find anything on me in her system. A few days later XXXX XXXX at ext XXXX called my father at XXXX to locate me and or a payment. My father asked what was the bill in reference too and XXXX stated that I should know who I owe and needed to contact them before the end of the day. Due to the strange interaction, my father did not give out my information and asked her to mail out whatever, she needed to contact me about. However, once again nothing was mailed out regarding the debt. My father was then contacted by NES nearly every hour of the day for over 2 weeks Monday thru Saturday. He was told to cash in his retirement savings to pay off the loan and be at risk for other legal actions that would prevent him from having options later. As a result, he asked them to stop calling him and they refused, so he just stopped answering the phone. I called and tried to speak to XXXX XXXX once again but was told that anyone could help me if I wanted to make a payment and I was given their address if I wanted to request additional information on the debt but they were not sending out anything extra than the letters I have already received. I was information that the letters they mailed out had a mailing address for payments and that was all I needed to move forward with the collection.
06/27/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	VT 053XX	Web
This letter is in regards to a complaint against National Enterprise System for a XXXX Private Student Loan with a Cosigner purchased by National Enterprise System. First and foremost the statute of limitations on this loan has run its course. Loan Amount approximately {$7000.00} Borrowers payments. Borrower has paid over approximately {$3000.00} while principle continues to rise. Initial grievance is with XXXX and National Enterprise System and how loan servicer mishandled against borrower 's best interest using the money paid down towards interest rather than principal balance of loan. During the lawsuit scare XXXX, fully aware of my accounts mishandling and fraudulent behavior, sold the loan to National Enterprise Systems with little to no accurate information on the loan in question. Lender suggested borrower use forbearance to pause monthly payments which racked up crippling additional debt instead of giving a better option like income-driven repayment plan. They intentionally made it very difficult for the borrower to understand and apply for approval for a co-signer. In fact allowing the borrower to finish transaction without cosigner present. An absolute burden that was wrongfully forced on us. These statements have been clearly and verbally stated several times to each loan servicer. Major Immediate Grievance : Severe and Total Harassment of Cosigner by National Enterprise System to the point where cosigner suffered an XXXX XXXX on XX/XX/XXXX due to the Stress from harassment and fraud in signing and taking this loan. ( Document included ) She is suffering from major illness from this loan and the Loan Servicer continue to harass and call at work, and have called repeatedly and continuously. They have called at times when they knew they should not call ( late hours or during a doctors appointment ). They have repeatedly called work even though she has explicitly stated that her employer does NOT approve of these calls and that she is not responsible for the intentional fraudulent National Enterprise System 's from the inception of this loan. Due to this severe harassment and incessant nagging, I am concerned for health and well being! All the calls were recorded on National Enterprise Systems part and show how she is completely distraught, XXXX XXXX, and having a XXXX XXXX on the phone. The doctors have stated that her attacks are due to the stress from the burden of this loan and the harassment that she has been enduring. The financial information National Enterprise System claims to have is not valid. She has not been able to receive the imperative medical care she needs to survive because National Enterprise System has stated that the money on her credit card needs to be used to pay this student loan. And now after the XXXX the doctors are insisting she seek the help she needs ASAP. NATURE OF THE LOAN : ( FRAUD ) Cosigner has not been released despite several requests and attempts. XXXX has intentionally made it impossible to receive proper information on approval for a co-signer release. Financial and Medical situation of Student : 1. XXXX for 2 years 2. Credit Card Debt 3. XXXX/on assistance 4. XXXX affected by fraud and discrimination Financial and Medical Situation of Cosigner : 1. Suffered a XXXX XX/XX/XXXX due to harassment about this loan and a XXXX XXXX on XX/XX/XXXX, delaying proper medical care due to payment of this loan 2. Credit card Debt 3. {$35000.00} Medical Bills left from terrible divorce, family member.. The copy of the original contract presented was illegible and invalid. This loan should not have been given to this student without the presence of the cosigner. The loan was unlawfully sold to National Enterprise System by XXXX. Furthermore, the statute of limitations on this loan has passed. By not working with us, by harassing us when we are picking up and talking to you created an unhealthy and permanently disabling situation.
04/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 32807	Web
Hi, my student loan was always XXXX, which I was paying without problems, in XX/XX/XXXX if I 'm not mistaken I receive a call from the department of student loan indicating that XXXX was not longer that person I had to pay, so they started to charge me, then after that, they said that I qualified for the $ 5 monthly that they would have me with that for a year because I had paid a lot and it was going to be worked that way for a while. Like XXXX years passed by, maybe a little more I receive a call from National Enterprise System indicating that I have to pay them, that I 'm passed due, which I did n't understand why, really rude he came out and send, " now your student loan is with us, I said no this is a little game I need to find out what 's going on and I would call you back, well no that did n't work out they started taking money from my paystub. I have evidence of the email from National Enterprise System saying that XXXX pass the loan to them, that they authorized them to continue with the loan. The point is that since XX/XX/XXXX they have been taking out money from my paystub, but when now that I 'm working with my credit report it appears that I have two or three students loan when it 's only one and that 's affecting my credit. XXXX in XX/XX/XXXX called in a rude way that I was n't going to see my taxes, which later after that I received a letter from the department of treasury that they authorized National Enterprise to get everything, which it was for the amount of {$5100.00}, a year after they returned it back indicating that I have paid already a lot and that was mine, never understood that to be honest. Last week I called XXXX because it appears in my credit report that I have XXXX to XXXX loans which that 's not like that, the lady, which her name is Bebery ID # XXXX, apologize and said that I only have one student loan and that 's with them, that they never passed my loan, my account to no one, that I had to call and inform that to FTC, because National Enterprise System is a third party company that get to do that, that they never had permission to do what they are doing to me. I explained to her that because my company XXXX authorized them to take money from my paystub, plus, department of XXXX I thought it was for real and serious reason why I have permission for them to get from my bank account {$5.00} every month. I also explained to XXXX that the reason why I stop paying them because not only I was n't receiving my bills but because National Enterprise was getting the XXXX money from my paystub and bank. I have evidence that since XX/XX/XXXX money has been taking from my paystub and bank account, how can National Enterprise System does not of paying history of what they been taking and supposedly giving it to fedloan, when fedloan says they never received not even XXXX cent, when I ask, well can somebody please tell me then where 's my money, to what loan it went to no one responds, all they say is there 's no history of payment. I really need for this to get fixed, I started to pay directly again to XXXX account yesterday XX/XX/XXXX, but National Enterprise is still getting {$5.00} of my bank account, please help me with this and send me a address where I can send you all the evidence that I have of my : XXXX XXXX, my partner bank account, my bank account and emails, even letters of what is being done to me, the money that I 'm paying, taking from my bank and paystub, and still XXXX is the same way, as if I never paid. Please stop the third party company for what they are doing to me, all third party if possible please, because yesterday I receive now a letter from another company saying that now my loan has been passed to them. This companies has been taking my money for a long time already, and it 's not being deposit to my loan because everything looks the same way and fedloan said they have n't received a cent.
01/22/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	IN 46410	Web
I am the co-signer on XXXX loans with my daughter totaling {$32000.00}. My daughter was attending XXXX XXXX in Ohio from XXXX. Another loan for {$12000.00} was financed through XXXX XXXX XXXX XXXX, NY bringing the total amount owed to {$44000.00}. This is when she attended XXXX University XXXX XXXX XXXX from, XXXX. I began repaying these loans in XXXX after her graduation at the rate of approximately $ XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. In XXXX I filed bankruptcy with a law firm that unfortunately mishandled my case by never confirming it, thus causing the case to be dismissed in XXXX XXXX with no creditors having been paid for a year. XXXX had discharged the loans by XXXX and referred them to National Enterprise Systems ( NES ) XXXX XXXX XXXX, XXXX OH XXXX. Their number is XXXX. NES notified me in XXXX XXXX of the total amount due as {$44000.00} irregardless of previous payments to XXXX. NES requested an immediate payment of {$1200.00} with subsequent monthly payments of {$100.00} through XXXX XXXX. Since that time I have been switched by NES to XXXX other collection agencies without warning and no notice of payment balances for all XXXX loans. NES says the loans were referred to them on behalf of XXXX XXXX XXXX ( no address ) only the phone number of XXXX. A voice message usually comes on asking caller to leave only name and phone number, but calls are never returned. I faithfully continued to pay {$100.00} per month every month until XXXX loan was switched XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX, Phone # XXXX or XXXX. I contacted XXXX who returned that account back to NES in XXXX XXXX. The problem was the original amount of {$12000.00} had been raised to {$19000.00}. I could that be if, I had been paying since XXXX? I can obtain proof of all payments. IN XXXX XXXX, I increased my payment to NES from {$100.00} per month to {$300.00} per month to cover the following acct # s provided by with following distribution. Payments were {$50.00} for XXXX accts and XXXX for {$100.00} for a total of {$300.00} per month paid faithfully. XXXX account agreement was through XXXX per correspondence from NES dated XXXX/XXXX/XXXX. In between that time the accounts were arbitrarily pulled ( with no reason given ) 3 times and sent to other collection agencies ... then returned to NES. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX, Ph # XXXX XXXX. {$37000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ph # XXXX Amt. {$18000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, Ph # XXXX. On Saturday, XXXX/XXXX/XXXX, I received notice again that XXXX of loans and been pulled and given to XXXX, XXXX, and XXXX. I called NES Monday and the rep initially said he had no record of my accounts. WHAT!? The XXXX XXXX was all applied to XXXX account. Then was told to call rep XXXX XXXX back at XXXX at ext XXXX. First rep did say NES only had XXXX account there now and my full XXXX {$300.00} payment had been applied to that XXXX account. WHAT!? I called back then message indicated her unavailability. I left message ... called never returned. I contacted a rep at XXXX ( XXXX ) who again transferred me to XXXX XXXX at NES who said she could give no explanation as to why the accounts had been moved and why I had not been notified. Those XXXX accounts had been moved in XXXX! WHAT!? Why are my accounts being consistantly moved without my knowledge when I have paid regularly since XXXX? Why have n't my balances decreased? How can NES do this without notification or explanation? It seems all of my payments have been for nought and I have been thoroughly taken advantage of. I write the account payments on the check each month, but evidently ignored by NES. This is a convoluded mess!
11/23/2016	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	IN 46221	Web
I had a private school loan that I was unaware had gone into collection that my XXXX had cosigned for. As soon as I was made aware of the status of my loan I immediately made payment arrangements with the collection company National Enterprise Systems. I set up automatic withdraws from my checking account and had paid faithfully since I became aware of the loan. I was leaving to go on a mission trip in XXXX XX/XX/2016 so I made certain that my payment arrangements would still be taken out of my account while I was out of the country because I knew that I would be unable to have constant internet connection during my trip in remote areas. I also had budgeted my finances accordingly to make sure I had available funds in my account to cover my monthly payments of {$87.00}. Unfortunately, while abroad I had to have an emergency XXXX operation which caused me to have a month long hospital stay in XXXX, XXXX. There were many complications with my XXXX and my right XXXX was not functional for several weeks post operation. I had to learn to walk again not to mention I was dealing with my travel insurance who was refusing to pay my covered expenses. I wrote an email to NES letting them know that I was abroad and going through a tough time. In my email I asked if I could postpone my payments or lower them while I was recovering in the hospital, could figure out what was going on with my insurance and make it back to the United States. They replied to me via email stating that I needed to call them at a specific number never mentioning anything about adjusting my payment arrangement. At this time I did n't have a data plan, was unable to independently walk or get out of bed and had limited WiFi connectivity. I messaged my father to call NES on my behalf and explain the situation. My father had all of my information to make such a call but NES refused to disclose any information or take note of what was going on. 3 Days after I received correspondence from NES I had a friend check my available balance and NES had withdrawn the entire amount of my payment agreement for that month. I assumed that since no one was able to make contact or confirm that there would be changes made to my payment arrangements that the full amount would be withdrawn each month. It was a very difficult time after my emergency XXXX with medications, learning how to walk again and dealing with insurance and physical therapy. Around XXXX and a half months after I was XXXX from the hospital I started to have more complications which caused me to be re-hospitalized again in XXXX. Luckily this time I was well enough to make the trip back to the XXXX to have a second emergency XXXX XXXX which I am in the progress of recovering from currently. Upon returning to the XXXX, my Uncle who cosigned for the loan contacted me and said that XXXX were harassing him with rude phone calls and threats of being sued because I had defaulted on my loan. I was shocked at this news. I checked my account and saw that NES had stopped withdrawing my payments. I called NES to figure out what happened and it took 2 months of me calling and asking until they finally admitted they had stopped the payments. When I asked why, the rep said because I had asked them to in an email. I was never notified that they made ANY changes to my payment arrangement or the stipulations of said changes. This has hurt mine and my XXXX 's credit negatively and we are still receiving harassing phone calls daily. My XXXX had a family emergency recently and needed to refinance his house and was denied because the defaulted loan is shown on his credit report. It has also effected his job because the credit cards have lowered his credit limit in which he needs because he has to travel internationally. I only owe {$1000.00}
10/16/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 78212	Web
This is a complaint against XXXX XXXX XXXX XXXX and the collections agency National Enterprise Systems for unreasonable debt collection and inflicting an undue financial burden. I have reason to believe they have violated the Fair Debt Collection Practices Act. I attended college and graduate school from XXXX XXXX until XXXX XXXX. In order to pay for school I took out both federal and private student loans. Since graduating, it has been difficult to afford loan payments which resulted in ALL of my loans reaching default. I have had difficulty finding gainful employment and only recently have been earning a living wage. It is not that I am unwilling to pay, I want to pay, I am simply unable. Since XXXX, I have rehabilitated my federal loans and have brought all XXXX out of default. I now make on-time monthly payments with an income-based repayment plan. I have been unable to make the same progress with my private student loan. In XXXX XXXX, I sign a promissory note for a parent plus loan in the amount of {$24000.00} ; my mother cosigned. I firmly believe that this is a case of predatory lending. The full terms of repayment or consequences of default were not explained to us. Neither of my parents went to college. My father has been on XXXX since the XXXX and the amount of the loan was roughly equal to my mother 's annual salary. Bottom line -- the loan should have never been issued. Through my research, this is systematic among private loans services through the XXXX XXXX XXXX before XXXX. In XXXX XXXX, I entered into a monthly repayment agreement with XXXX XXXX, one of XXXX XXXX XXXX 's collections groups. I was making on-time monthly payments until XXXX XXXX when XXXX XXXX failed to notify me that I needed to renew my terms or risk the account being dropped. In XXXX XXXX, the account was discharged and given back to XXXX XXXX XXXX which in turn was given to National Enterprise Systems, another XXXX XXXX XXXX collections agency. In XXXX XXXX, National Enterprise Systems began making harassing phone calls, three or four times daily and often from different phone numbers. When I spoke with them on the phone, they were very hostile and demanded that I pay the amount owed in full immediately. They claim that in the four years I have been out of school my loan has grown from {$24000.00} to {$41000.00}. To be sure, not many people could pay either one of those amounts in full, especially the latter which is equal to my annual income. On XXXX XXXX, XXXX National Enterprise Systems sent a dunning letter for collection of {$41000.00}. Within thirty days of receiving notice I sent back a dispute letter requesting validation of the loan and the following : 1 ) An accurate accounting of the original debt owed and itemization of amount due ; 2 ) Verification that the depositor, servicer, or creditor is the holder in due course ; 3 ) Verification that the holder owns the loan and has the right to collect ; 4 ) Verification or copy of the original signed promissory note ; and 5 ) Verification that NES is licensed to collect debts in Texas. On XXXX XXXX, XXXX National Enterprise Systems sent a second dunning notice with a copy of the original signed promissory note. I am still awaiting the other documents requested and will send a second notice of request on Monday, XXXX XXXX, XXXX. I am not refusing to pay or admitting liability, I simply want a clarification of responsibility and the proper documentation requested. It is not clear how the debt nearly doubled in four years. My suspicion is that National Enterprise Systems is unable to satisfy my request and they or XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX should not have issued this loan in the first place and I am now unable to pay.
12/23/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44095	Web
XX/XX/XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED NATIONAL ENTERPRISE SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Current Creditor : XXXX XXXX XXXX Debt Description : XXXX XXXX Account Number : XXXX Account Number : NES Account Number : Balance : {$6100.00} To Whom It May Concern : I have been contacted by your organization by letter ( dated XX/XX/XXXX ) received on or about XX/XX/XXXX, attempting to collect on the above referenced debt. As discussed on my phone call to your office on XX/XX/XXXX, I filed for bankruptcy under Chapter XXXX of the United States Bankruptcy Code, on XX/XX/XXXX. The account referenced in your letter and as outlined above was discharged under bankruptcy, case number XXXX, in the U.S. Bankruptcy Court for the XXXX District of Ohio on XX/XX/XXXX. I have enclosed a copy of the Order of Discharge ( Official Form XXXX ) XXXX, for your reference and a copy of page 8 of the Schedule E/F : Creditors Who Have Unsecured Claims ( Official Form XXXX ) showing the above referenced debt listed on the debt schedule. I believe the current creditors attempt as well as your own attempt to collect and/or induce payment on this otherwise discharged debt is in violation of the Courts Order and the Bankruptcy Code. Discharge Orders extinguished all education-related debt that was not excepted from discharge by 11 U.S.C. 523 ( a ) ( 8 ). As you and the current creditor are aware of this discharge and know, any attempt to collect on a discharged debt is in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Protection Law. Although a debt collectors knowledge or intent is irrelevant, by sending this collection notice to collect on an uncollectible debt, I believe you and the current creditor listed in your letter also mis-stated the character and legal status of the discharged debt, and violated the FDCPA, specifically 15 U.S.C. 1692e ( 2 ). I demand your organization as well as the current creditor referenced in your letter cease all collection efforts of the alleged debt and immediately stop and remove the reporting of this account as delinquent to the major credit bureaus. Any attempt to report this account as delinquent to the major credit bureaus is an attempt to compel payment - also a violation. I will be documenting all illegal actions and violations by contacting and filing complaints beginning with, but not limited to, the organization ( s ) listed below. Furthermore, you are hereby notified that at no point in time and under no circumstances is your organization ; an employee of your organization ; a representative for your organization or affiliates ( which includes the current creditor you identified in your letter ) to contact me or any member of my family by any means other than in writing via the US mail system. I also hereby reserve my right to take any legal action including private civil action against you and or the current creditor to recover damages. Respectfully, Enclosure ( s ) : Order of Discharge ( Official Form XXXX ) XXXX, Page 8 of Schedule E/F : Creditors Who Have Unsecured Claims ( Official Form XXXX ), cc : OHIO ATTORNEY GENERAL CONSUMER COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX, IA XXXX BUREAU OF CONSUMER PROTECTION FEDERAL TRADE COMMISSION XXXX XXXX XXXX, XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ATTN : BANKRUPTCY XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX U.S. DEPARTMENT OF EDUCATION LOAN SERVICING XXXX. XXXX XXXX XXXX, PA XXXX
01/30/2021	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	SC 29406	Web
I received a letter dated XX/XX/XXXX, stating that my Federal loan debt ( approximately XXXX ) was taken over by another company after the initial company, Conserv/Ascendium in conjunction with XXXX XXXX XXXX XXXX, conducted a financial review/administrative hearing to determine if and what I could pay on the past loans. I never received any resolution from Conserv/ECMC but the next time I heard anything about my loans was when I was contacted with a letter from the new company, NES, or National Enterprise System. Again, I did not receive a determination letter or a conclusion to this initial review but rather, was contacted by a new collector named, National Enterprise System ( NES ). I contacted ( via phone call XXXX ext.XXXX ) NES and was routed to a XXXX XXXX XXXX manager ext.XXXX ). According to the letter his department sent me and Mr. XXXX admissions on the first phone call, I had three options one of which was the ability to rehabilitate my loans with XXXX ( a federal loan servicer ). I was happy to hear that I could indeed start this option! Mr. XXXX initial conversation had to be cut short because I called him during my lunch break on XX/XX/XXXX but asked him if I could indeed call him back the following morning at XXXX XXXX est. he agreed. As planned, I called Mr. XXXX back on XX/XX/XXXX and the conversation went well, at first. I asked him based on the options his company sent in the letter and which he stated the prior day, could he please send me the proper paperwork for me to begin the loan rehabilitation program he refused! He demanded I give him, then and there, round-about financial numbers and personal documents, e.g., tax returns, IRS documentation, etc. I kindly stated I did not feel comfortable doing this approximation of what my true financial situation was as this would be especially important in determining my future payments I am a XXXX who does not make much, so this was especially important to me. The manager, XXXX XXXX then lied and stated, I spoke to XXXX and a staff member told me that you have had wage garnishment in your past based on the owed loans this was an outright falsehood, and had never heard of this before and assumed was his attempt to intimidate me into giving him what he wanted. I concluded after this conversation that the letter and Mr. XXXX claim of the option of rehabilitating my loan was a falsehood and a bait and switch tactic. I did become upset with him and accused him of being unethical and unprofessional ( and a few choice words ). Finally, I was willing to rehabilitate my loan ( s ) only to be misled and lied to by a person supposedly representing National Enterprise Company in good faith Mr. XXXX was not working in good faith and lied to get what he wanted, collection fees on his and his companys behalf. Mr. XXXX threatened to garnish my wages at the end of the conversation without giving me the opportunity ( as claimed by his letter and initial phone conversation which were recorded ) to provide sound financial information on my behalf to rehabilitate my past loans. Please help me resolve this situation and disallow this rogue representative of NES to treat people in the unethical and unprofessional way he treated me and to disallow him from proceeding with the wage garnishment of my teachers salary. Finally, I will be going to the local newspaper to volunteer my current experience/situation with NES as an opinion piece to hopefully expose collections companies like this who prey on hard-working XXXX especially during the trying times. Thanks for your help in the matter. Kind regards,
09/08/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC XXXXX	Web	Servicemember
I going to go through the proper channels and dispute this debt and ask for validation from National Enterprise Systems. I would also like to state that this debt is XXXX years old and is past the statue of limitation to be collected on. It keeps getting resold and sold again and again. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, XXXX XXXX XXXX Sec XXXX ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX, and XXXX ) XXXX shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. XXXX XXXX XXXX XXXX
08/08/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	TN 372XX	Web
Loan repayment for XXXX student loans co-signed by my mother began to XXXX XXXX XXXX in XXXX. Payments were made regularly and on time. Unfortunately, in XXXX my mother had to file bankruptcy. She was told the student loans would not be included, but they somehow were ( by an inept young attorney ) because repayment was halted anyway. The whole bankruptcy was handled poorly and a year later in XXXX the bankruptcy had to be dismissed, because it was never confirmed. By the time my mother learned this, that lawyer had been fired and no company had been ( nor could have been ) paid by the trustee without confirmation. My mother was then contacted in XXXX XXXX by National Enterprises Systems to begin repayment. The loans had been discharged by XXXX and referred to National Enterprise Systems. XXXX provided no evidence of repayments faithfully made to them from XXXX. Therefore NES charged to original loan amounts to my mother and a repayment plan was established between her and NES. Since that time NES has kept poor records, applied payments as they saw fit, and not given credit to the accounts for payments. They misapplied payments to whatever account they saw fit then sent those account 3 times to other collection agencies arbitrarily claiming no payments had been made. There were times they claimed to have no record of these loans as a deliberate attempt to discredit repayment of any kind. My mother filed a complaint with you # XXXX and later sent a very large file ( with same complaint # ) documenting resumption of payments dating back to XXXX. Is there any way she can get proof of payments as far back as XXXX to XXXX too? My mother XXXX XXXX XXXX XXXX pieces of information from NES to which they only responded to XXXX XXXX XXXX ). That came in the form of XXXX XXXX XXXX XXXX different letters regarding only XXXX XXXX of XXXX ) account which listed to different balance. My mother made monthly payments on these accounts a now they are harassing me with letters demanding the original amount. My mother is and has assumed repayment, but balances are simply not right, unfair, and truly not reflective of payments made. Why am I being harassed if/since payments are being made. We do not trust this agency, because there have been too many times when payments have not been applied or applied as agreed. I am requesting an adjustment on the balances that reflects the numerous payments ( in good faith ) that have been made to this company. Is there a statue of limitations at all or recourse for the debtor for such unfair practices? I will check XXXX box for my problem with this company, but I really need to check all boxes. My mother had agreed to repay and has informed this company of this. She has tried to work with this company but they refuse to co-operate. We believe they have forwarded these accounts to another company as my mother received a call on her cell and at home from an unknown source this past Friday XXXX/XXXX/XXXX. Since she did not make the call, had not heard of that company, and the rep said the call would be recorded, she told them to send her a letter stating their business. The company was either XXXX or XXXX XXXX The account numbers have been repeatedly changed, so as to confuse things and double charge. So has this company 's address. The original address was XXXX XXXX XXXX, XXXX, OH XXXX. Now it has changed. See company information. My mother and I continue to receive bad information, have trouble with customer service, and certainly do n't agree with the fees charged.
04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89135	Web
On XX/XX/XXXX, I received a letter from National Enterprise Systems. It incorrectly stated I owe a debt of {$2000.00} to XXXX XXXX This puts National Enterprise Systems in multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I do not owe this debt. On XX/XX/XXXX, I disputed this debt with a certified mail letter ( USPS XXXX # XXXX ). National Enterprise Systems responded with inaccurate documents that dont show I owe a debt. Please see the attached copy of my early warning report showing this account was closed as of XX/XX/XXXX with a {$0.00} balance. I do not owe a debt with XXXX XXXX The Fair Debt Collection Practices Act ( FDCPA ) states debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : * The amount owed * That the person is an attorney if they are not * False threats to have you arrested * Threats to do things that can not legally be done * Threats to do things that the debt collector has no intention of doing '' This is a debt I do not owe, is uncollectible, and National Enterprise Systems is making threats that legally can not be done and they don't have intent on doing. National Enterprise Systems has also committed a series of Fair Credit Reporting Act ( FCRA ) violations, mentioned below. I have attached their initial communications which clearly shows the violations listed below. Violations : 15 U.S. Code 1692c ( a ) Communication with the consumer generally - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 U.S. Code 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 U.S. Code 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. These violations have caused me great harm in being unable to open a new personal or business bank accounts. This is holding back personal and professional growth as im unable to get the necessary accounts to grow my personal and business ventures. Please see the attached denial of getting approved for a bank account because of National Enterprise Systems. I am seeking the following : According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want one thousand per violation ( {$4000.00} total ) or immediately stop all collection activities, stop reporting to all three credit bureaus and provide proof in writing. Please see attached invoice for immediate payment. Any continued pursuit of this debt not owed will be met by swift legal action to get it disassociated from my name. All necessary debt regulatory bodies will be notified and multiple complaints will be filed until collection efforts are ceased and the proof is provided in writing. Thank You
09/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28590	Web	Servicemember
On XX/XX/2021 National Enterprise System sent a letter in regards to an alleged debt owe to XXXX Bank.Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX, and XXXX ) XXXX shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Thank you XXXX XXXX
06/11/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20774	Web
I am writing to dispute the validity of the debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that National Enterprise Systems provide me with the following information and documentation to validate the alleged debt : 1. Original Creditor Information : Please provide the name and contact details of the original creditor, including their address, phone number, and account number associated with the debt. 2. Detailed Account Statement : I request a complete and detailed account statement, outlining the original amount owed, any interest or fees applied, and a breakdown of any payments made towards the debt. This statement should clearly identify the nature and origin of each charge. 3. Proof of Ownership and Chain of Title : Kindly provide documentation that establishes National Enterprise Systems as the rightful owner of the debt, demonstrating a valid assignment or transfer from the original creditor. This should include a complete chain of title, including all relevant documents substantiating the transfer or assignment. 4. Verification of License and Compliance : I request proof that National Enterprise Systems is licensed to collect debts in Maryland and is compliant with all applicable federal and state laws governing debt collection practices. This should include the agency 's license number, the date of issuance, and any relevant certifications. 5. Agreement and Contract : Please provide a copy of the original agreement or contract that created the alleged debt. This document should contain my signature and clearly establish the terms and conditions of the debt. 6. Documentation of Communication : I request copies of all written and electronic communication related to the alleged debt, including letters, emails, text messages, and recorded phone calls. This will enable me to verify the accuracy and legality of the information provided by National Enterprise Systems. 7. Proof of Validation Period : Please provide evidence that National Enterprise Systems initiated collection activities within the appropriate validation period as outlined by the FDCPA. This will help ensure that my rights as a consumer are upheld. 8. Proof of Statute of Limitations : If the alleged debt is subject to a statute of limitations, I request documentation that confirms whether the debt is time-barred. This includes information about the last activity date, the relevant statute of limitations for the type of debt, and any tolling events that may have occurred. I would like to emphasize that until the requested information and documentation are provided, National Enterprise Systems should immediately cease all collection activities related to the alleged debt, as mandated by the FDCPA. Please ensure that all communication and correspondence related to this matter is directed to my address provided above. I expect a timely response within 30 days of receiving this letter. Failure to comply with this request may result in a formal complaint filed with the appropriate regulatory authorities and may also lead to legal action to protect my rights. Thank you for your prompt attention to this matter. I look forward to receiving the requested information to resolve this dispute in a fair and equitable manner. Sincerely, XXXX
04/26/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 32807	Web
Hi, I opened a case # XXXX , again st National Enterprise System, I tri ed to login to respond to their answer, which there was signal problem because I was n't able, finally today I 'm able to login to my account and noticed that the case is closed. I do n't agree with that reason why I want to open the case again until my situation is resolved. Answering wh at National Enterprise System s end : Like I said when I opened the case, my student loan is and have been XXXX , no t National Enterprise System, National Enterprise System ca lled me saying that XXXX had passed the student loan to them, when it never was like that, because I called XXXX and they are the ones who said that I had to open a case, becau se third party c ompany, call, says things that are not true and gets the money they want . National Enterprise System n eeds to be stopped and a long time ago. They said that I agree to the {$5.00} term, but was n't honest with everything, they called me first and in a really bad rude way, saying what I just said above of XXXX , they lied in all aspect of the word, if it 's true what they always say that the conversation is recorded tell them to give you all the calls they did to me and hear that, one thing is for you to agree to something, because its good and you know, and another thing is to be forced to agreed. Because they way they called me, talked to me, and said : if you do n't agree on the terms, we will start taking money from your, paystubs, and what we want, not what you can, believe there 's no option, because life is n't easy for just let people take your money like it 's not hard to earn it. I 'm paying my student loan to my loan, which is XXXX , my federal loan, National Enterprise do n't need to be touching my bank account, my taxes or paystubs, because I do n't have XXXX or XXXX loans, it 's only XXXX which I 'm paying already and been paying. Tomorrow, Thursda y I am going to send not only to you, to National Enterprise System, b ut to XXXX , Credit bureau, The Department of Treasury, The Department of Education and every company or person that has touch my money, so not only you can see what 's really going on, what this third company are doing, but so you can see the money that has been taken from me and it was not even deposit to my loan. Now the question is, Where 's the money if it was not used with my loan, if fedloan does n't have it, who can respond to that? Yesterday, I received a letter of another third party company, trying to do the same National Enterprise System d id to me and still is doing, now the third company that want 's my money is, " XXXX '', asking for the same amount, really? This Third company needs to be stopped and I mean all third Party company. I am not going to stop until my case is really resolved in all aspect of the word, because a lot of money has been taken not only from my bank account, my partner bank account, my taxes, but from my paystubs, and it has been more than {$2000.00}. like I said tomorrow I will send a letter all evidence of what I have. Agree and forced are two d ifferent things. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web
National Enterprise Systems XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX PHONE # XXXX EXT XXXX Reference : XXXX Amount Disputed : {$13000.00} In accordance with 15 U.S.C 1692g section 809 ( B ). Im putting you National Enterprise Systems on notice that your claim is disputed and validation of the furnished account on my consumer report is required : You National Enterprise Systems have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as its directly associated with the reporting activities and Im requesting the following LISTED BELOW : - Signed Contract with my wet ink signature giving you National Enterprise Systems the right to contact me in regard to this alleged debt. Purchase Agreement Evidence that you are a licensed debt collector. Chain of Title Proof that you are a licensed debt collector to collect in my state. A requested copy of your State Department of Commerce and Insurance Certificate . *A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. Second, this authenticated record must include all tax filings including ALL 1099s, 1096s and 1098s any and all trades and or investments and or interest associated with this account of which I am alleged to be a party to .I have a right to all this information, as its directly associated with the reporting activities. Third, I need the following questions and information listed below answered truthfully under oath and under the penalties of perjury : 1. Are you the owner or assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing debtors verified, bonafide signature exist? Please provide. 4. Did you purchase this alleged account from the alleged original creditor? 5. If you did purchase this alleged account, what is the date of purchase of this alleged account from the original creditor and what was the purchase amount? Forth, this is also notice for you National Enterprise Systems to CEASE & DESIST ALL COMMUNICATION AND COLLECTION ACTIVITIES IN REGARD TO THE ALLEGED LISTED ACCOUNT IN ACCORDANCE WITH 15 U.S.C1692c ( c ). Failure to remove the account in 15 days from my Consumer report as requested will result in legal matters being taken and me turning you National Enterprise Systems to the FEDERAL TRADE COMMISSION FOR ( FTC ) for aggravated identity theft, fraud, and for violations of the FDCPA. Lastly, If this matter is not resolved by the time specified above, I reserve the right to commence legal proceeding to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. Sincerely, XXXX XXXX U.C.C 1-308 ARR
03/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85140	Web	Servicemember
Debt collector, National Enterprise Systems ( NES ), first contacted me in XX/XX/XXXX regarding a balance I have at XXXX XXXX University ( XXXX ) from XX/XX/XXXX. I stated to NES that the amount owed is wrong because I should have a scholarship applied and it has not been. I told them I would follow up with XXXX. I have sent numerous emails and continue to be told they will get back to me. I have read, verbatim, the letter stating I hould be awarded the scholarship. On multiple occasions, NES has made comments such as " well, you must have failed or dropped the class so you won't get the scholarship. '' I informed them that I passed the class and have submitted the necessary paperwork. I had asked on numerous occasions to speak to a manager and was told that was not possible as they would tell me the same thing. The week of XX/XX/XXXX, NES called once again and finally gave me a manager. I informed the manager, XXXX, once again that the balance needs to be corrected. He stated there are payments made on the account and I should review the documentation they sent me. I stated that I had already reviewed the documentation and have already spoken to them about how the scholarship is not corrected. I told him I would make a good faith payment ( {$1000.00} ) for a portion of the balance and he said by doing so and continuing communication with them, it would not be reported to the credit bureau. I told him I would send him my documentation showing I have been in communication with XXXX. I was driving at the time and was unable to write down an email address and he stated he was not able to email me directly. On XX/XX/XXXX, I was contacted by NES manager, XXXX. We went through the same questions in which I had already answered with other NES agents. She stated I was reported to the credit bureau. I informed her that XXXX said I would not be. She stated she would send a request to have her contact info sent to me the next morning. I asked her why XXXX was unable to do so the week prior. Upon receiving the email, I still do not have a contact address to send my supporting documentation. XXXX also asked for my employer phone number and I told her I would not provide it as she has no business contacting me at work. She stated she must have it to update my profile. At this point, I have been sent to the credit bureau and should not have been. I am looking to have this taken off my credit report as I am actively working on getting this cleared up with XXXX and I was told that it would not be reported because I was actively working on it. If they were still going to report it, they should not have told me otherwise. I have attached the email thread between myself and XXXX. I was told 5 times that they would get back to me and never did. I finally called last night and was told that they are unable to do anything and I must clear it through NES. If this is the case, XXXX should have informed me of that when they initially figured it out instead of stringing me along.
02/11/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	GA 30047	Web
In XXXX of XXXX, I received information from lending agency, XXXX ( XXXX XXXX XXXX ), stating they were taking over my current student loan with lender " XXXX XXXX ''. The loan with " XXXX XXXX '' had been established XX/XX/XXXX for school expenses while attending the University XXXX XXXX XXXX XXXX, in XXXX XXXX California. XXXX sent monthly statements showing the original loan amount and a payment due of " XXXX '' until XX/XX/XXXX, when I began to get statements showing an amount due of " XXXX ''. Shortly after that I received a letter from them saying the status of my account had changed but it offered no reason or explanation for the change. When I contacted them to inquire about the issue and to point out that I was still in school on a deferred payment loan, they said they were the new servicer and knew nothing about those details and were only concerned with what was sent on their statements. I did manage to get them to tell me they " represented '' XXXX XXXX XXXX, another name with whom I am still unfamiliar and who does n't show up on any of my original paperwork. Any other requests for information were met with ambiguity and the run-around. XXXX then began to press me for personal information they should have had already and threaten to impact my credit if I did n't agree to their terms. I did not. They sounded more and more like a predatory lender with each conversation. I suggested we continue talks when they could provide to me reasons for the change in terms and no notification. I did n't receive any more phone calls from them and only one more statement which showed a monthly statement balance owed of {$400.00}. I also discovered around XXXX they had made good on the promise to impact my credit score. I am still waiting for an answer to my request. I completed my course requirements in XXXX XXXX, and XX/XX/XXXX, I received a letter from NES ( National Enterprise Systems ), a collection agency representing XXXX XXXX XXXX, asking for {$4000.00} on an original loan amount of {$3500.00} over 10 years, at 6.667 % variable. I will send them a letter of dispute for the reasons listed above once completed with my request for assistance here. Who are all these people who are calling and asking me for money and personal and contact information they should already have? I have abided by the rules and guidelines set down in my original contract with " XXXX XXXX '', and if that loan was purchased by another entity, should n't the same terms apply with the new servicer in the spirit of fair lending? Paying back my obligation has never been the issue, but by the terms originally agreed upon. I did business with XXXX XXXX because it was what I could afford, then and now. By XX/XX/XXXX I hope to have a new job and begin my student loan repayment. That was the agreement when I signed on, and in all fairness and good business practices, it should still be the state of the situation. Please tell me what I can do to protect myself.
02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN 38017	Web
This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction. I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES. Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
12/28/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MD 21234	Web
I have been paying regularly every month to try to rid myself of this predatory loan for YEARS. XXXX XXXX passed MY loan onto this criminal enterprise called NES and NES continues to find a way to INCREASE the balance of the loan despite receiving {$3500.00} worth of payments from me in XXXX alone. I even paid twice one month on this loan and the balance of the loan has gone UP. This collection agency National Enterprise Systems has not explained how this is possible. They have NO signature from me agreeing to any new loan terms that would cause the balance to go up. On XX/XX/XXXX, I checked the balance of this loan ( document attached ). I CONTINUED MAKING payments. I made {$530.00} in payments in XXXX alone. - after getting over {$500.00} from me in addition to the regular {$330.00} I've paid each month, the loan balance INCREASED by more than {$150.00}. There is no way this can even be legal. I have been PAYING THIS LOAN. {$330.00} per month for YEARS. And the balance continues to CLIMB. I have pleaded with your office for assistance. Please note I graduated in XXXX and this loan is 23 YEARS OLD. Despite my efforts to pay and get this burden off my back, the balance NEVER goes down. NES continue to lie with NO EVIDENCE showing I agreed to ANYTHING and NO evidence showing they explained ANYTHING about how they can add to this loan despite GETTING PAID and despite me not agreeing to borrow ONE additional penny. I was advised by phone that the amount I needed to pay to get the principal balance to go down was {$330.00} per month. Every time in the past I has ASKED NES to please review the TAPES of my phone calls, they lie and say there are none even though their voice recording on the phone SAYS they record the calls. CAN YOU PLEASE HELP ME!? I am being ROBBED and no one who is able to assist will even bother! They HAVE NO legal standing to keep ADDING TO THE BALANCE when I am DOING WHAT THEY TOLD ME TO DO TO LOWER IT and they have NO signature from me agreeing to anything different. I have contacted the MD State Atty General 's Office to request that suit be filed because XXXX XXXX LIED about the terms of this loan and they are pretending to not have recordings of the calls where their representives LIED about the terms of the forebearances and LIED about the interest and failed to present all possible options for loan repayment. Mr XXXX XXXX, the atty general is too busy trying to become famous for fighting w/ the president over immigration to take action even as other states such as Pennsylvania and Ohio and have had much success in class action suits against NES and XXXX and other predatory loan sharks. And now I've been passed around to this collections agency who keeps RAISING THE BALANCE OF THIS LOAN DESPITE GETTING PAID and has not given me a single word of information about how they can legally do that. NO ONE WILL HELP ME.
08/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
To whom it my concern, the purpose of this complaint is to inform National Enterprise System XXXX # XXXX XXXX ) of my NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written notice before LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Case from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX, XXXX
08/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43219	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX, XXXX
08/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60110	Web	Older American
I received a letter via USPS on XX/XX/XXXXXXXX from NES of Ohio. NES of Ohio is a debt collector. Prior to receiving this letter from NES of Ohio, I had no knowledge of the debt they claim I owe. NES of Ohio claims this debt is from my bank, XXXXXXXX XXXX, dated as of XX/XX/XXXX. NES of Ohio claims I and my son XXXX XXXX owe XXXXXXXX XXXX XXXXXXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately six checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to 5 or 6 his partners. He told me I would make money by doing so. The very next morning, I checked my XXXX checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local XXXX in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my XXXX bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to XXXX. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to XXXX was paid in full. I mentioned that NES of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXXXXXX XXXX. I do not recognize this debt from XXXX because I already paid off the money that XXXX determined I needed to pay back. Prior to receiving this letter from NES, I was never contacted by XXXX or any other debt collectors regarding this debt. I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. If you could please assist me with instructions on how to deal with this unrecognized debt that NES of XXXX claims I owe to XXXX XXXX, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. Thank you very much for offering to help people like me. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX
09/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94015	Web
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XXXX XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG! I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor National Enterprise Systems can verify that they are reporting accurately. Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to. My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. XXXX
03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43015	Web
Notice for Proof of Claim Account : NATIONAL ENTERPRISE SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
01/15/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 36582	Web	Servicemember
National Enterprise Systems called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with XXXX XXXX first. He informed me that he was calling on behalf of XXXX XXXX XXXX to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX XXXX and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXXXXXX XXXX XXXX that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors. I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said two more times. I then told him no and I would call him back. Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called XXXX XXXX. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by XXXX XXXX XXXX Im attaching the letter where they told me they could get me down to XXXX to pay.
02/08/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company only sent me correspondence AFTER placing debt on my credit given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files.I tried explanation that I not only sued but won against XXXX in court back in XX/XX/XXXX for this exact debt as it was proven to not be my debt, the agent still refused to discuss with me the account as I couldn't pass verification. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system and for a bogus debt that was sold to them by XXXX KNOWING the couldn't collect via the legal system as the account is not mine. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
10/29/2015	Yes	Credit card	Other	IL 60193	Web
There was a voice mail on my phone ( ending in XXXX ). The message stated the call was from a debt collector. I asked my wife to return the call and advise them I was out of town. My wife called XXXX XXXX at NES of Ohio and advised I was out of town. XXXX XXXX said she would note the account as such. The next day there were messages on my parents voice mail stating " This is a call from NES of Ohio this is a debt collector please return the call to XXXX XXXX at XXXX Ext XXXX '' she did not mention my name at all on the message. My Dad called her back and got one of the other agents who immediately started grilling him as to my whereabouts. He advised them to not call his home any more and they continue to call twice per day every day for a week now. Then XXXX XXXX started calling my kids phone ending in XXXX and leaving messages that this is a debt collector. She then started calling my Aunt and Uncle and again leaving messages stating the call is from a debt collector. There is never a mention of any name on the messages so of course people will call them back to see what it 's about and at that time she will state my name ( so now ALL these people know the call is from a debt collector plus my name is mentioned so my privacy is now violated ). Then they start being aggressive to find me. My wife called NES again and an agent said " I 'm sorry you must be mistaken the only number we have on file is XXXX ''. So obviously XXXX XXXX is using some sort of cross reference to find everyone with my last name in the area that I live. Now I got a call from my previous employer stating that a debt collector is looking for me and gave me XXXX XXXX number. I do n't think this is legal to be discussing my personal situation with people other than myself. And when my wife tried to get information they told her " we ca n't talk to you '' BUT YOU TALK TO ALL OF MY RELATIVES??? Each and every one of these people XXXX XXXX called has asked her not to call again and yet she repeatedly calls them several times a day. It is XXXX XXXX herself that makes the calls its not a computerized call.
08/24/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	WA 984XX	Web	Servicemember
I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. XXXX. Because I was activated for XXXX XXXX, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note. I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
08/24/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	WA 984XX	Web	Servicemember
I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. 3. Because I was activated for active duty, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note. I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
06/15/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 94606	Web
NES serviced my loan after XXXX charged off the loan without contacting me by phone, email or mail. Since XXXX , have paid {$10000.00} on these loans to XXXX . I have requested financial hardship assistance multiple times and have been denied all options. The original lessor, XXXX XXXX XXXX charged off my loans in XXXX XXXX . Per FTC regulations you were mandated to report the activity to the credit bureau within 30 days, and contact me within 30 days. NES did not contact me by XXXX XXXX . As of XXXX XXXX , there was no report made to the credit reporting bureau. This is a violation of FTC regulations. Furthermore, XXXX withheld information regarding my loan. Between XXXX XXXX and XXXX XXXX I made numerous attempts by phone and written email to obtain the contact information of the new servicer ; XXXX would not even give me the name or phone number! It was impossible for me to make any payments at this time. Finally, the first correspondence I received from NES by mail was on XXXX XXXX , XXXX . I have not received any phone call or email communication from NES. Today is XXXX XXXX , XXXX . I had an attorney at XXXX XXXX send a dispute letter on my behalf on XXXX XXXX , XXXX . NES claimed my dispute was invalid and they attempted to contact me. I did not receive any phone calls, voicemails, or emails. NES did not contact me via phone, email or mail between XXXX XXXX and XXXX XXXX . Again, it is not possible for me to communicate with another party if I do not have accurate, assessable contact information. In XXXX , I received a letter dated XXXX XXXX , XXXX from another collection agency! Now XXXX XXXX XXXX XXXX XXXX holds the loan. I am working with an attorney to send a dispute letter on my behalf within the next week. This is is predatory and unjust behavior from all of these agencies. I intend to pay my student loan, I need fair treatment and fair reasonable payments. Thank you
09/29/2015	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	FL 32819	Web
I filed a complaint against XXXX/XXXX through this agency the case number is OMB # XXXX. I did get a letter from NES offering a co-borrower release for {$220.00} due XX/XX/XXXX they acknowledge that they are a debt collector then say that there is {$560.00} that I owe on the account. The letter they sent me is dated XX/XX/XXXX. I spoke to someone at NES last week and I told them that I wanted XXXX or NES to remove this account from my credit report because XXXX has never accepted that I had an agreement with XXXX XXXX to pay {$48.00} a month without having to bring the account up to date from when my nephew stopped paying for 7 months. My argument is that the account should have never been sent to a collection agency since I have been paying this account since XX/XX/XXXX. Why did XXXX think this account was not going to get paid? When did I give them an indication that I was not going to finish paying this account? Today I get a call from NES and it was the rudest call ever. The representative actually called my nephew a thief!!! What business does he have saying something like that. I am a XXXX, I am a law abiding citizen, I have done nothing but try to help my nephew get a career. My nephew fell upon hard times and did n't pay on his loan, I took over payments when I found out he was n't paying. I have paid for 5 years I am not cheating anyone! He had no right to accuse my family member of anything especially since I have been making payments. Yes, I paid the XXXX payment two weeks late but I also sent the XXXX payment a week early. My father died on XXXX XXXX he was sick on XXXX XXXX, I was n't thinking about student loans - should XXXX have assumed that I would no longer pay after sending in XXXX of dollars. Should I be punished with a bad credit report because XXXX felt the need to send it to an unscrupulous company that hires people that slander my family member because they really thought I would give up making payments? Something really needs to be done, this is abusive.
04/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33541	Web
I am a XXXX XXXX citizen : In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : National Enterprise Systems, Account reference # XXXX in behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have violated my rights. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.
07/26/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	IL 60452	Web	Older American
My adult son has outstanding student loan debt. My wife and I co-signed for his loans and he had difficulty in finding a job that would allow him to pay off the loans. We have been receiving numerous telephone calls from National Enterprise Systems ( NES ), most recently XXXX yesterday where they actually left a vm message on our answering machine, informing us that they were debt collectors, yet the caller I.D . only showed the phone number ( ( XXXX XXXX XXXX ) and that the call came from XXXXXXXX. I called the number and got a recording that identified the company as ( NES ) Prior to that, they had been calling us from XXXX, XXXX and using a phone number of ( ( XXXX XXXX XXXX ). I believe that XXXX XXXX XXXX XXXX has sold my sons student loan debt to NES. My son is currently working with a company to help him manage his student loan debt and he informed me that they have reached out to his creditors to attempt to pay his debts. My wife and I are retired and we do not get involved in our sons financial affairs. My wife 's health as of late has not been good as she had a XXXX a few months ago. The added stress of companies such as NES constantly calling us and harassing us is adding to her stress level. I had previously filed a complaint with your agency back in XXXX of 2015 concerning a similar situation with Navient/XXXX ( Ref complaint # XXXX ) and I have received well over 100 phone calls from them since filing that complaint. If my son was a deadbeat and blatantly refused to own up to his financial obligations, I would not have a complaint but that is not the issue here. These companies that finance student loans and the third party companies that they sell these loans to for collections are predatory sharks and action needs to be taken by our government to stop these strong arm tactics used by some of these companies
06/19/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 100XX	Web
I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to National Enterprise Systems. Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that National Enterprise Systems had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX. I called National Enterprise to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked XXXX why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}. I am trying to find out why payments were stopped by National Enterprise that led to the debt being owed in full. When I spoke to the representative at XXXX I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with National enterprise and was taken off the plan without my knowledge. To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.
04/29/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	AZ 85053	Web
In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
12/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28590	Web	Servicemember
The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that XXXX ( XXXX ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because National Enterprise Systems ( NES ) was handling this account. I spoke with NES and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when XXXX is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that XXXX is reporting {$390.00} on XXXX XX/XX/XXXX. My initial conversation started with NES on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that XXXX have been contacted with my concern and they were waiting to hear their response. I have scanned them what XXXX is reporting and they said they will contact XXXX again with this information. I am exhausted dealing with this debt that has been taken care of. If XXXX is reporting this account then why is NES involved which is a collections company as well. I would like this removed from my credit report. Thank you in advanced!
05/21/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PR 00987	Web
On XX/XX/XXXX I began a payment plan for my XXXX XXXX / XXXX student loan. After few months of paying, I got laid and become unemployed for several months, until XX/XX/XXXX through XX/XX/XXXX . I paid as I could. On XX/XX/XXXX , after a family loss, I talked to XXXX who has my account about it. I wanted to pay {$50.00} on XX/XX/XXXX but did n't find the money. I tried to reach them but as always, and as I told to XXXX , is impossible to reach them. Yesterday, XX/XX/XXXX - National Enterprise called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't. First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened. I believed all this is recorded. The article 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
01/02/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	PA 19132	Web
Dear Collector : National Enterprise Systems Im requesting that you validate the debt below. This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last date a payment was made on this debt? ( 14 ). What fees/interest was tacked onto the debt? ( 15 ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation. XXXX XXXX
08/17/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	MS 395XX	Web
I obtained a small student loan ( less than {$3000.00} ) from XXXX XXXX in XXXX. The loan was owned by Navient until they sold it to National Enterprise Systems due to my inability to make the payments due to financial hardship. After being repeatedly harassed by NES ( threatening voicemails, repeated calls throughout the day, etc ), they finally agreed to a payment plan of {$50.00} a month to be automatically deducted from my checking account. That was in XXXX. I reauthorized the payment plan with a NES representative in XXXX. I last received my monthly statement from NES in XXXX for the XXXX payment. I have n't received any further communication from NES or Navient and my XXXX payment was never deducted from my account. Now, my father just discovered my loan under his Navient account in my name. It seems that Navient now has control of my loan again and is demanding payment. I was not notified that there was a change being made to my repayment agreement. Plus, I had no way of knowing since it is my father 's account and I do not have access to it. I called NES and left a message earlier in the week and left a message but no one has bothered calling me back. This is unfair to me and violates the agreement I had with NES. Someone from one or both of these companies should have contacted me and they have no right to put my loan on my father 's account. That is a violation of my privacy and prevents me from accessing my loan. I believe I have been mistreated by both companies and I am seeking a resolution to this problem. I have never missed a payment since I entered the repayment agreement.
01/02/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19132	Web
Dear Collector : National Enterprise Systems Im requesting that you validate the debt below. This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last date a payment was made on this debt? ( 14 ). What fees/interest was tacked onto the debt? ( 15 ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation. XXXX XXXX
09/19/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07036	Web
National Enterprise Systems has called my place of employment five times in the last couple weeks to collect on a debt that I do not believe I owe. I just started recording the time and name of the representative calling. Today XX/XX/19 someone who identified themselves as XXXX XXXX called at XXXX asking for me to identify myself and confirm my social security number and my date of birth. I have read that the representatives of NES regularly use aliases so I am not even sure if that is his real name. I told them they could not call me at work and informed him that I had told the previous callers that they could not call me at work also. He then either lied, knowingly or unknowingly, and said that they had never called before. I informed him that he was violating the fair debt collection practices act and then he started talking over me so that I could not get a word in. He told me I was neglecting a debt owed but he would not identify who he was calling for unless I would provide personal information about myself which I refused to do out of privacy and identity theft concerns. He said that he would remove my work number from his call list but he is not the first person to do so, now I do not believe they take any action to prevent repeated violations of the FDCPA. I do have some old student loans that I owe on and I am making payments to the federal government on those loans because they were federally insured loans. But NES does not ever call about those loans so I believe they are either wrong of the calls are outright fraud.
09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27406	Web
I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak English neither XXXX which the XXXX XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. Also i want to report XXXX XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. My Social Security Number only got issued this year on XX/XX/XXXX. I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. The Representative at XXXX XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. So i Hope this finds a good hearted person to help me dispute this from my credit correctly. Thank you so Much. Kind regards XXXX XXXX XXXX.
10/08/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 90805	Web
I am a victim of fraud and misrepresentation on or about XX/XX/XXXX. 1. At the time of the contract, I was unemployed without any possibility to pay any debts. 2. A non-homeowner income was used for qualifying purposes. 3. I never received the alleged rebate that was promised to me at the time of the contract. Since the rebate was not given the payment of the solar panels increased and I was unable to keep up with the payment causing me to fall behind on payments. 4. I was never notified that any electricity that was used beyond the capacity of the solar system would be charged by XXXX at end of the year. 5. On or about XX/XX/XXXX, a solar company representative of the solar company came to my house turned off the solar system, and installed a lockbox terminating any further use of the solar panels. 6. When they locked the system, I contacted the solar provider to arrange a payment option which they declined and said I had to pay it in full or it would go to collections. 7. The solar system was installed on my roof knowing my roof needed to be replaced. 8. Two licensed general contractors of the State f California inspected my home shortly after the installation of the solar equipment and certified that the roof needed to be replaced and a nominal fee to uninstall and install the system after a new roof was installed ( estimate available upon request ). Be advised the process to qualify for this solar panel was fraudulent. I have never been able to use any of the solar panels since they were installed.
10/10/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33578	Web
I am continuously being harassed by a collection agency for a debt that is not owed. I was attending XXXX XXXX which was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is no longer in business their doors was closed in XX/XX/XXXX. I have a Stafford Loan with the U.S. Department of Education with a remaining balance of XXXX. Which I have been paying since XXXX/XXXX/XXXX. XXXX XXXX submitted a notice to a collection agency National Enterprise Systems located at XXXX XXXX XXXX XXXX XXXX XXXX, Phone number ( XXXX ) advising them that I owe an outstanding balance of {$6100.00} not from my student loan, but from potential money they could have obtained, if I would have remained in school. XXXX XXXX dropped me XX/XX/XXXX one semester prior to graduating with a degree in nursing, stating that the funds they were collecting was no longer available. Stafford Loans Us Department of Education showing XXXX loans they XXXX were dispersed to XXXX XXXX on XXXX/XXXX/XXXX XXXX amount of {$3500.00} XXXX amount of {$6700.00}, there was also a submission of payment from the Workforce Initiate Act on XX/XX/XXXX in the amount of {$3400.00}, they also received Pell Grant money in the amount of {$2600.00}. I was not given any personal money. I am constantly being harassed by the collection agency for a debt I do not owe. I have never heard of collecting payments on services that was not received. Please feel free to contact me with any additional questions as required or needed. Thank you for your time.
06/04/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	TX 75080	Web
I had taken a student loan for XXXX XXXX XXXX of XXXX from XXXX XXXX. XXXX XXXX turned into XXXX. After years, XXXX finally let me settle my debt. I paid the settlement amount at the beginning of XXXX 2015 and XXXX has confirmed that my debt has been settled. Yesterday, XXXX XXXX 2015, I received XXXX letters from NES, National Enterprise Systems that says they are located in XXXX, Ohio. These letters claim that XXXX has transferred my debt to them for collection. Naturally, I called XXXX and made sure that my debt had been settled. It has been settled ... and whats more, XXXX has no record of sending my debt to a collection agency. I called NES and spoke to a representative XXXX. He asked only for my phone number to verify my information and then put me on hold to " access my accounts. '' Shortly after, they hung up. I called back XXXX times, each time the line was disconnected right when a representative picked up ... as if they were hanging up on me. I waited all day and then tried to call them again, calling both the customer service hotline and the line where you can pay your debt over the phone. The customer service line, again, hung up on me everytime. Funnily enough though, on the line where you can pay over the phone, they are happy to take payments through an automated system, but as soon as you ask for a representative, it hangs up. I do not owe these people anything. They are harassing me, Also, what they say I owe them is n't even the correct amount of what my debts used to be ....
12/28/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	IL 622XX	Web
NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? I want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.
07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30076	Web
I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of XXXX XXXX XXXX, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from National Enterprise Systems stating that they were calling to collect a debt on behalf of XXXX XXXX XXXX. I told the National Enterprise Systems representative that the account was fraudulent and that I will be contacting the CFPB. XXXX I received a copy of my credit report from three credit bureausXXXX XXXX and XXXX . On the XXXX credit report, I again see the fraudulent XXXX XXXX XXXX account. At this point, my rights have been violated. According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both XXXX XXXX XXXX and XXXX failed to adhere. According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both XXXX and XXXX XXXX XXXX have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, XXXX XXXX XXXX violated my right to privacy by relying my information without my consent, to National Enterprise Systems. Thus too, placing National Enterprise Systems in violation.
07/16/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	FL 33173	Web
Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?
06/19/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 19122	Web
I received a written communication dated XX/XX/2023 from National Enterprise Systems, regarding an alleged debt I have no knowledge of. It contained verbiage, logos, symbols, and statements identifying them as a debt collector attempting to collect from me. As a consumer, I have never contracted with this company or any affiliates. Pursuant to 15 USC 1692k, National Enterprise Systems is now civilly liable for its abusive and deceptive practices by identifying itself as a debt collector attempting to collect from me, a federally protected consumer. I demand National Enterprise Systems cease and desist with all communication, collection attempts, and adverse reporting. Any further attempts will be considered a direct violation of all applicable federal laws. The notice I received constitutes harassment. As a consumer, I have not now or ever authorized or extended my credit to them. Do not attempt to continually furnish any information on my behalf guised as a collection account. I have never given this company or affiliates a permissible purpose to do so. This company is also in violation of 15 USC 1692e by making false and misleading representations. I am demanding National Enterprise Systems provide an original contract with my signature, offer, and acceptance. Copies will not suffice. Any continuance or disregard of this notice will be deemed as a direct violation of federal law, as I am a federally protected consumer.
08/16/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02368	Web
XX/XX/2018 ~XXXXXXXX ( est ) I received a call from National Enterprise Systems that informed me a student loan was in default. This was a surprise to me since I've tried to stay up on my student loan payments and have been with the other 2 companies I deal with ( XXXX and XXXX ). Since I'm going through a divorce, I knew this was probably just an oversight and something I could begin making payments on again to fix. I was told that wasn't the case. They explained that since my mother was a co-signer, she would now have to pay the debt since they " knew she could afford it ''. I explained that my mother is on XXXX and was just released from the hospital for major XXXX XXXX and definitely couldn't afford it and that I would begin making payments. The person I spoke with told me that I was lying and that my mother could afford it and that I'm not allowed to make payments any more because they wanted the whole sum at once. I was floored that I was being called a liar and that I was being told I couldn't pay my own debt. Then I was told to give them my mothers most current contact info so that they could call her " and have an unpleasant talk with her ''. This was the last straw. I saw this as an attempt to use my mothers XXXX XXXX as a threat on her life over my student loan debt. Totally unacceptable when I want to pay my debt, I just need to do it in payments that I can afford and certainly not an entire lump sum at once.
05/13/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 78132	Web
Re National Enterprise Systems Account XXXX On XX/XX/XXXX I called National Enterprise Systems collection company at ( XXXX ) XXXX. I explained to the agent ( XXXX XXXX ) that I received a demand notice from them in the mail a few days prior, stating that I owed them {$42000.00} ( On behalf of XXXX XXXX XXXX ) I explained to the agent that I have dealt with two prior collection agencies over the past 12 years and both were able to verify that I have never signed a contract with XXXX XXXX XXXX. Without explanation I was put on hold and transferred to a woman named XXXX ( Her direct number is XXXX XXXX XXXX ext XXXX ) XXXX informed me that the collection account was sent to National Enterprise Systems by a company called XXXX XXXX XXXX. XXXX promised me that she would request document verification ( promissory note ) and send that to my email at XXXX. I had recently applied for a loan and reviewed my credit report today. My credit report shows a collection account that was filed by National Enterprise Systems on XX/XX/2019. This collection was reported to the Credit Bureau before the demand latter was even sent to me by National Enterprise Systems and they have made no attempt to provide me with documents, remove the collection from my credit or show that the collection is in dispute. My phone conversation was knowingly recorder by the collection agency. I also have a recording of the conversation.
10/21/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	FL 347XX	Web
After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63116	Web
National Enterprise Systems has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. National Enterprise Systems refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. NES has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with XXXX, NES provides additional false information to them which I have documented. One example is how NES put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to XXXX XXXX. NES refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from National Enterprise Systems.
02/18/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	VA 235XX	Web	Older American
Briefly, I will try and explain ; however, my supporting documents tell the story. A private loan that I co-signed on for my son with XXXX was transferred by a third party XXXX XXXX XXXX XXXX ( XXXX ) subsequently sent it to a collection agency call National Enterprise System. They did so without any notice to me!! It was in calling the original lender that I found out that it had been bought by XXXX. I was also told that they would be contacting me. This purchase happened some time in XXXX, XXXX, I think. At least it was XXXX XXXX, XXXX that NES acquired it, and the calls started shortly thereafter. It is now XXXX XXXX, XXXX and I have never heard from XXXX. I only hear from the collection agency, NES. I think it important to note that the account was n't in default. It was actively being paid on since XXXX. What gives them the right to do that when an account is being paid in good faith. I am a XXXX yrs divorcee. I hope to retire from XXXX in the next couple of years. This bad debt now appears on my credit report and no one will lend me any money because of it. I ca n't even get money to pay them off. Then there are conflicting statements about how much I actually owe. It is all in the accompanying documents. Please help me. I do n't know what to do. I am also forwarding copies to United States Attorney General for the State of Virginia, XXXX XXXX. Sincerely, XXXX XXXX.
08/23/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 44143	Web
I received a credit monitoring alert on XXXX XXXX, XXXX which indicated that there was a new debt collection on my credit report. I retrieved the contact information of the company and contacted them immediately. When I told them I had n't received anything in the mail the representative told me that information was sent to address that she indicated she knew was an old address from XXXX. When I asked about receiving a call about the debt the representative claimed that they had my current phone number and they attempted to call me but there was no answer. She claimed this call was attempted on XXXX XXXX, XXXX which was 13 days after the company supposedly inherited the debt according to their records. I checked with my cell phone carrier after going through the call log on my phone and there was no call from this company, or any foreign number in my call records for that day. The representative asked me to update my address, however, I declined because I know they have it if they have my current phone number which is a number I have had for the last two years. When I asked the representative why they did not update my address the same way they updated my phone number, she told me that the company does not change the address that the original creditor provides. Which to me makes no sense.
08/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32808	Web
I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.
08/09/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	CA 90016	Web
I XXXX XXXX claim that a company known as National Enterprise Systems ( NES ) has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. I claim that NES acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. I believe that these loans were securitized through a XXXX party investor. NES has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against NES if they can not validate a legal collection process. NES has submitted my personal information to another XXXX party source where this source stated in a recent conference call that they have no ownership in the debt, nor that they have any authority to modify the debt. This is a violation of my rights under the Fair Debt Collection Practices Act. NES has destroyed by credit even though the debts are no longer valid for collection under California laws,
09/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33484	Web
Caller asked for a family member that does not live at my address or use my number for any purposes. Caller stated that I was listed as a reference, so I initially thought it was for a job interview or something similar. When I tried to inquire further about the reason for the call, caller became evasive and stated that the purpose of the call was private and the target person had not authorized revealing the purpose of the call. I then asked the name of the company and the caller was again evasive but stated that the name of the company was XXXX XXXX XXXX or something like that. The caller then began inquiring about the target person 's phone number and I stated I do not give out personal information to strangers but the caller kept insisting and then stated the number, to which the caller replied that he was not able to contact the target person. Caller then began inquiring about other family members and I stated I would not give any other numbers out and the call ended. I then did some research about this company and I found out they were a debt collector. Based on what was stated and the personal information the caller was inquiring about, I realized that they were likely inquiring about issues that are over 10+ years old.
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14043	Web
The debt was forgiven by the bank. The account in question was a reward checking account at XXXX, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX XXXX located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that XXXX had already forgiven it. I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. XXXX XXXX National Enterprise Systems , INC . XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am sending a debt dispute to this agency as well.
01/22/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55427	Web	Older American
I began receiving phone calls from this phone number ( XXXX ) XXXX - looked it up on line ; XXXX XXXX XXXX - XXXX XXXX. My Credit is wit showing no debts owed via all XXXX credit reporting agencies. I have voice mail - there are no voice mails left. Just persistant calls at XXXX AM. XXXX has helped me in the past with eroneous claims of my having vehicles- which I have none. I do have a person that was using my address and has never lived here before ; and this person has used my address for Minnesota Vehicle License and Title. I contacted the XXXX with emails - they validated that this person uses this address, and I am not on any vehicle title or license. This person also using my address has a vehicle loan using this name- the loan originator was contacted as well on this anomoly. The call # is validated with XXXX- no spoof call. I doubt they are reaching out to tell me they have money to give to me. If this company can stop contacting me- it would be greatly appreciated. Looking this phone # up - there has been no communication via any correspondence - and these calls stated XX/XX/XXXX and XXXX of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
04/23/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	CA 93230	Web
After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. They have deceived me twice.
08/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
I received correspondence from XXXX XXXX XXXX only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name. This account was a result of identity theft and I have never owned a XXXX XXXX XXXX Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
03/29/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	SC 29708	Web
National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you
05/04/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33161	Web
The debt was submitted to National Enterprise System Inc. I did not have an agreement with this collection agency. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
01/22/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CT 060XX	Web	Servicemember
N.E.S. is a collection agency that has been contracted by XXXX to service a debt. This company has accessed my credit report for private information recently, as demonstrated by the attached document reflecting my XXXX report. I have never been contacted by this agency, however, they recently made several attempts to contact my family from various local phone numbers. In addition to this deceptive and harassing behavior, they called asking specifically for my father XXXX XXXX to discuss private financial information related to my private XXXX student loan. My father is not a cosigner on any of the loans currently serviced by XXXX or its collection agents. NES disclosed the amount of the loan and demanded payment from my father. NES has accessed private information to harass and persuade a payment for loans that have been in default for more than 4 years and were previously serviced by an agency of XXXX that were issued a ( formal ) legal cease and desist by my family. NES and XXXX have blatantly violated the FDCPA by contacting and harassing family members discussing private financial information in attempt to collect a debt.
04/19/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 93230	Web
My employer received a wage garnishment for 15 % of my disposable income, which i was told calculated to be {$880.00} per month. I can't afford this.I didn't receive notification so that i could contest it. I have been lead to believe all of my student loans were in deferment or forbearance. Once i was notified by my employer, i called the debtor to work out a REASONABLE repayment and they worked out a $ XXXX/month arrangement and i increased it to $ XXXX/month for 12 months and then increase. SO now they get the garnishment and the monthly payments. I can't afford this, it will LITERALLY break me. I requested documentation to verify everything ( the loan ( itemized ), the school attended associated with this loan, the terms of the loan and any notification. They said they will get what they can, but they would continue to garnish my wages. I haven't received anything. If i lose my home and transportation, i will lose my job. I can't afford to lose $ XXXX/month. Note : They stated they had no way of contacting me, but i have had the same cell phone number since XX/XX/XXXX and the same email address since XX/XX/XXXX.
07/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10453	Web
XXXX card is using my personal information as a product to sell. They have sold my information without showing a contract with XXXX XXXX, they have also discharged this debt have been fully Credited. Following being credited, XXXX XXXX has sold my personal information to numerous debt buyers like National Enterprise Systems , INC, who are now threatening my life by threatening to re-report old, previously deleted, fully credited accounts as delinquent and late with current payments. Totally deceptive. I believe National Enterprise knows this account has been fully credited and they still purchase unlawful debt. They threaten to take your livelihood which is based on good credit depending on the ignorance of a person with their credit report. These accounts were credited in XXXX, and deleted from my credit report. However, discover continues possess to sell personal information for profit. Enslaving my personal information, enslaving myself, I can not prevent XXXX from selling my information, no matter how much they have fully credited, they seek to be re-credited again and again using the power of a large corporation.
05/28/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	MI 48076	Web	Older American
I took training and bought equipment in XX/XX/XXXX at XXXX XXXX solutions. I received a loan from XXXX XXXX for {$7200.00}. The interest started out at XXXX per cent. After being late the interest ballooned to 20.78 percent. I attempted to lower payments but the servicer stated that the idea was that I would pay the loan for life. In XX/XX/XXXX I became totally XXXX and filed a chapter XXXX Bankruptcy based on poverty and total XXXX. National Enterprise Systems, a debt collector, state the description of the loan as XXXX XXXX XXXX. They state that I owe XXXX. I never borrowed money for this discription. School Code is XXXX. XXXX is not a school. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I bought equipment and took training with the funds. It was my understanding that this was a personal loan. After requesting documents, National Enterprize Systems, sent copies of my orginal application with XXXX. Within the packet a memo appears that the loan was changed from the above amount to {$10000.00}. There is missing information on the loan application as noted on the forms. My credit score was XXXX. Please advise.
02/14/2017	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	PR 00739	Web
I am currently in default regarding my private student loans, I have XXXX different loans, serviced by different providers. One provider has contacted me through a debt collection company called National Enterprise Systems. The person on the phone was extremely rude in regards to my situation, had no regard to what I was explaining. The person threatened me and my co-signer regarding the debt. The person insisted I call him back within the hour with a solution to my debt. They are pressuring me to put the amount owed in a personal credit card to resolve the issue when I have XXXX credit. They insist on this option and no other means to resolve are provided. They told me I needed to call my co-signer that instant and give them an answer within an hour or else they would personally call the co-signer, my father, who is an XXXX man and is retired. The person was rude and insensible. I am XXXX and my current salary is XXXX, I would be better off working as in a supermarket, I have XXXX kids in school and am barely getting by. I know the debt needs resolving, buy am not going to accept that kind of pressure.
01/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web
When I was first notified of this fraudulent debt years ago, I notified the original collection company that my account had a fraud alert on the account and that I did not believe this was my account. The original debtor cancelled the debt years ago and sent the IRS documentation indicating the debt was forgiven and that I was to be taxably responsible for the forgiveness. I am now being harassed by a collection agency which has, I 'm guessing, purchased the account even though its already been written off and I 've already been held accountable for the tax forgiveness. My understanding is the original company was compensated by the government for the debt and therefore there is no debt to collect, Not to mention no one had ever provided me with any original wet signed documents indicating I was the original signor, which i asked for from the original creditor for years. I sent numerous emails and mailing to the original creditor which were never responded to within the 30 day timeframe and there were in violation of my consumer rights back then and now I am being harassed for a debt already forgiven.
10/29/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	SC 29588	Web
I am repaying a student loan that I am a co-signer on with my daughter XXXX. She attended XXXX XXXX XXXX XXXX in XXXX Due to healthissues she became unemployed and could not continue paying on her loan. Thisloan went into default before I became aware of it. The loan was charged off and dNational Enterprise Services acquired the loan. At this time the balancewas {$20000.00}. I paid {$4000.00} down and began paying them between {$100.00} - {$110.00} a month for almost four years. During that time my balance went down to {$15000.00}. I filed a complaint when I finally realized that the interest was being compounded daily at 6.6 %. This loan would never be paid at this rate! Now, NES has CLOSED out the loan as they have not taken 2 months payments from my checking account, and have given the loan to a FINAL collection agency, XXXX Theysaid they would negotiate for a final payment of XXXX lump sum but thatI could NO longer make payments. This would never work for me as I am retired and can not afford XXXX lump sum due to a fixed income. Please help me with this unbearable situation!
01/24/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 79925	Web	Servicemember
I have been receiving calls from XXXX XXXX XXXX XXXX which belongs to National Enterprise Systems. A gentleman with the first name XXXX ( sp? ) and a female with the last name XXXX ( sp? ) were the last two I spoke to in reference to receiving calls for someone else. XXXX told misrepresented his business when confronted with my question " You are a debt collection agency, right? ", his response " we deal with business copyrights and legalities associated with those copyrights. '' This company is clearly a debt collector as their website suggests : XXXX and they operate out of XXXX XXXX XXXX XXXX XXXX Ohio XXXX ( XXXX ) The calls have been very aggressive impeding my sleep ( calls at XXXX in the morning to XXXX - XXXX to my phone while at work interrupting my work flow. My employers are questioning my integrity and it severely takes from my over all productivity. When threatening to take legal action against the harassment, it did n't even seem to phase them. Poor business and ethical practices. I feel for those that have to deal with them because of debt ...
04/02/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 074XX	Web
There was a fraudulent private student loan taken out under my identity. I filed a police report and the investigator confirmed it was identity theft. I notified the creditor " XXXX '' and the XXXX credit reporting companies but nothing was done until XXXX after the credit repair company I hired sent the credit reporting companies the police report did they remove it from my credit report. After it was removed, creditor XXXX sold the loan to debt collector National Enterprise Systems even though they were fully aware I didn't acquire the loan. I advised National Enterprise Systems to provide me evidence that I owned the loan. The promissory note they emailed me indicated they forged the document by adding my name and other information using a pen because the form was barely readable. The promissory note also has the wrong birthday and social security number. I was then notified this morning XX/XX/XXXX that National Enterprise Systems reported the fraudulent student loan to XXXX with an additional {$100000.00} added to the original amount it was reporting.
09/08/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 46410	Web
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX XXXX for {$12000.00}. I took out the loan in XXXX made regular payments for an original loan amount of {$12000.00} beginning in XXXX XXXX when the loan was charged off by XXXX XXXX XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. I am sending two correspondences from NES. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XXXX and my payments since XXXX-present? I have proof of payments, so my balance should be much lower. I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
06/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 232XX	Web
I am a retired XXXX XXXX XXXX. This MAY be an attempt to collect a fraudulent balance for an old credit card account. An account was opened at an Ohio bank many years ago ; the bank kept changing my address without consent and refused to let me see missed monthly statements. I reported this to the creditor as part of my identity theft problem. I paid the amount I had charged, after ordering the account closed with a total amount of less than $ 6K INCLUDING the fraudulent charges. I paid the final $ 4K+ I owed in XXXX and was sued by the account holder, XXXX XXXX , in XXXX or XXXX, where the suit was dismissed in XXXX , VA District Civil Court . I received a form letter from " National Enterprise '' XX/XX/XXXX dated XX/XX/XXXX. I previously began receiving robocalls on my office phone several weeks ago, with one of the caller-I-D signals indicating " National Enterprise ''. The same calls arrive at least daily, often with a different spoofed phone number. There is no live person talking and no mention is made of what " National ' wants.
12/19/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19010	Web	Servicemember
Calls to my home phone that are not my debt ... I DO NOT HAVE A DEBT FOR COLLECTION ie : Date of call Number listed 24 hour clock XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX They were advised to stop calling however does the above show that??????
05/23/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91342	Web
I made contact with National Enterprise Systems. The representative said I owed from an account they had purchased in order to collect. I asked what account and the representative said it was a loan under XXXX XXXX XXXX. which had gone bankrupt. I asked when was this opened and the representative said XXXX. I asked how much and the representative said XXXX. The representative then said National Enterprise Systems owns the debt now and we will settle for a payment of XXXX. I explained to the representative that I had no student loans and no debt dating back to XXXX. I also explained that my ID, social security number and personal information had been used to open fraudulent credit and bank accounts dating back to XXXX. I told the representative I had filed a police report and FTC report stating this account was fraud. I demanded National Enterprise Systems cease with their frivolous attempt to collect under the Fair Debt Collect Practice Act of the state of California as I had referred the matter to my attorney, XXXX XXXX.
08/15/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 33542	Web
This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.
10/09/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33625	Web
Today XX/XX/2023 i was contacted by National Enterprise Systems several times. This is the first time this company has called me. Then when i called them back they said they have no record of calling me they said that Purchasing power was the one who called me thats false. On the voicemail i got all the phone numbers go back to National Enterprise Systems. Then they demanded i pay them {$1600.00} by XXXX XXXX or the claim will get filed against me. After that they called my family members several times including leaving them voicemails to and sending documents about this matter to them, which should be in violation. I had stated on the phone with them not to call my family members and they deny that they called. I have all the proof phone numbers voicemails everything. They will not tell me anything else about this debt only that i have to pay today or that all other options will be forfeited. And that they have been instructed to contact my employer,
10/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20874	Web	Older American
I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, XXXX XXXX ( Original ) and XXXX XXXX XXXX ( Current Creditor ). The Complaint number, # XXXX. You have requested a Feedback on XX/XX/XXXX. Feedback was due on XX/XX/XXXX. I am sorry and appologize for being unable to make any feed back. I have another Threaten made by a Debt collector, " National Enterprise Systems ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my XXXX XXXX. Tehn, I received another letter from the same debt collector, National Enterprise Sysems, XXXX XXXX XXXX, XXXX XXXX, XXXX. OH XXXX. PhoneXXXX XXXX. I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
12/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN 38017	Web
I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ).
05/24/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	IN 46237	Web
I just received a notice from a debt collector on a loan i took out almost a decade ago. While I thought it was consolidated under XXXX XXXX, and I had been making payments on it along with everything else. apparently I had not made payments on it since last XXXX Yet. i did not receive any notices of payment, nor any notices that payments have not been received before now. I have stayed in this location for many years, moved once, then moved back and stayed here since 2013. It should have been incredibly simple to contact me, yet this debt collection notice is the first thing I have ever seen about it. It has likely harmed my credit and after all the work i have done paying down and consolidating my other loans, this happens. I am going to contact them tomorrow with many questions, but wanted to begin this process early in case of the likely event of further trouble. This seems illegal but i will do what I can to correct the issues.
10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 198XX	Web
On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from National Enterprise Systems for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
09/18/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	IN 46032	Web
I was making payments, however they were n't enough, so they sent me tocollections and then since they said I was in " default '' they would only take alump sum payment. First they said {$9000.00} then they said XXXX. I got them tolet me pay XXXX ( which I had to borrow ) and then I made 100 monthlypayments for 2 months after that, per the arrangement. I called back to XXXX know I could continue making payments, but they said " no '', back to thelump sum thing again only now the best I could get them to do was XXXX over3 month period. I really am trying. I explained to them back in XXXX that mycompany was bought out, I had to look for other work and now I am on acontract position, could end any time, but I am still looking for permanentemployment. I am paying on a ton of student loan debt. I have XXXX and can barely afford groceries, but hey at least I amtrying here, why ca n't they work with me?
01/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79938	Web
National enterprise systems who is a third party creditor sent me a letter on XX/XX/XXXX stating I owed a debt. On XX/XX/XXXX I sent National enterprise systems a Debt validation letter, National Enterprise sent me a letter back on XX/XX/XXXX stating I owed a debt the company has not provided any contracts between me and the company and they have not sent anything back pertains to what I sent in the debt validation. National Enterprise Systems is in a total of XXXX violations. EXHIBIT A 15 USC1692B ( XXXX ) EXHIBIT B 15USC 1692 ( j ) EXHIBIT C 15USC 1692 ( j ) EXHIBIT D 15USC 1692 B ( XXXX ) EXHIBIT E15 USC 1692 ( A ) ( B ) EXHIBIT F 15USC 1692 B ( XXXX ) EXHIBIT G 15 USC 1692 XXXX EXHIBIT H 15 USC 1692 B ( XXXX ). I have explained over the phone to to XXXX different employees that I do not owe the debt. I sent the company a consumer affidavit of truth, Federal consumer violation invoice.
05/24/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 15227	Web
Ive gotten at least 1 phone call a day roughly for about the past week or so, despite my number being registered with the do not contact list. I heavily suspect this number is a scam as Ive XXXX it and most people report it as a scam. Ive gotten both robo calls and real people leaving me messages. The woman leaving the messages never asks for a specific name nor does she express what the debt is even for. The only debt that I have is for a car loan which I pay every 2 weeks to a credit union. The woman says she is from national enterprise systems but again the number thats calling is not attached to them anywhere online and most report it as a scam. Ive never talked to her directly and would like them to stop contacting me. Again since last Wednesday theyve called me every single day sometimes more than once in a day. XXXX ( XXXX ) XXXX unknown this is the number thats been calling me.
06/15/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MO 63385	Web
XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.
07/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80516	Web
Friday XX/XX/XXXX National Enterprise Systems Called said they wanted me to call back that it is from a debt collector. on my home phone XX/XX/XXXX th same company called my cell phone using a faked number " XXXX XXXX XXXX '' They asked for two different family members who do not live at this address and I would not confirm if I was either of those people. XX/XX/XXXX Called again on my home phone again using a faked number " XXXX XXXX XXXX '' Again asked for family members that do not reside at this address. I would not confirm if I was either of them. The company is based in XXXX OH which is how I know its a faked number and the same woman is on the phone each time. Since the people they are trying to contact do not even live here and in the first call they left a message stating they are trying to collect a debt I assume they violated revealing debt to a third party.
07/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	SC 29073	Web
In 2009, I was trying to enroll with XXXX University to earn a XXXX in XXXX. I was told that I did not have the required credits to enter the program. I did not enroll, did not pay the enrollment fees and did not pursue the degree. XXXX received funding through XXXX XXXX in 2009. Since that time, I have been trying to resolve this issue with all parties. Now, XXXX XXXX is contacting me via XXXX, regular mail and by phone numerous times per day even using a spam type of service to call me using my own cell phone number. I have explained that I did not receive these funds from XXXX and was never enrolled. XXXX XXXX has stated it does not matter if I did n't receive the funds that I am still required to pay even if it went to XXXX. They are now telling me that I am going to be facing legal action, seizure of personal property and tax refunds. I can not get them to stop.
12/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32605	Web
A representative named XXXX XXXX from 'National Enterprise System ' continues to reach my main business line XXXX and my cell phone line XXXX. He continues to attempt to reach my ex husband which use to work in my business, But no longer does. He continues to harass my employees by interrupting them and blocking the only line I have open for my customers. He calls everyday with the same request after he was told several times that the person who he is trying to reach does not longer work there. He continues to make false statements regarding the ownership of the business and false accusations about the person he is trying to contact. Lastly, I am not the person who he is trying to reach and he is affecting my business dynamic by interrupting the work flow of a regular day. His name is XXXX from 'National Enterprise System ' his number is XXXX Ext- XXXX
02/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85298	Web
I received a letter out of nowhere from National Enterprise Systems today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is XXXX XXXX whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called National Enterprise Systems and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? I then called the original creditor, XXXX XXXX and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that XXXX XXXX has been experiencing fraud. I do not want this on my credit report as this is not my account!
06/23/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60608	Web
XXXX was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. I contacted XXXX in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XX/XX/XXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to XXXX for student loan payments. I previously spoke to XX/XX/XXXX in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.
10/06/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90304	Web
The collectors from this private loan National Enterprise System with the name XXXX and XXXX on XXXX/XXXX/XXXX and other days have constantly harassed a co-signer who is currently suffering from XXXX and can no longer XXXX or XXXX. At this point they started involving a third party his spouse and began to harass her threatening to garnish her wages and assets as well as take her spouses social security and XXXX. The third party was never authorized to be involved in the loan matters not by the originator, who is myself or the co-signer. I, as the originator have made multiple attempts to settle with them but since they continue to XXXX the signer who is slowly XXXX and his spouse who is suffering they no longer want to work with me and settle. NES used as a scare tactic and threatened the third party payroll and assets to get what they want.
11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
A letter dated XX/XX/XXXX from NES of Ohio, stating that I owe them an alleged debt for {$3800.00}. The XXXX XXXX was XXXXXXXX XXXX, who previously charged off the alleged debt. I have no contract NES of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between NES of Ohio and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of XXXX
09/02/2015	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	MI 48910	Web
Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?
04/16/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	PA 17331	Web
Last year an agreement between XXXX XXXX/Navient and NES payment services was met for me to pay back on outstanding loans. As of XXXX of last year I could not access my account. I sent numerous letters with no response. I sent a certified, signature confirmation letter XXXX weeks ago with proof of delivery being XXXX again notifying NES of said situation. I even faxed Navient the same issue with an offer to close out the debit with a lump sum payment of {$2000.00} ; This would have been what I had left of a balance if I was allowed access to my account. As of XXXX XXXX 2015 I have not received a response from Navient or NES in regards to this matter. If neither party wants to communicate with me either via email or mail, then following the FDCPA this debit is not valid and should be removed from my credit profile.
03/15/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31907	Web
XXXX XXXX National Enterprise Systems from XXXX ext XXXX and XXXX XXXX from National Enterprise Systems take turns calling my place of work is at a high time record of 16 calls in one day. They threaten my co workers and bosses to give them my work schedule so they can call me and harass me during my work shift. I only work 4 hours a week, and they call even when I'm not there, they won't give me any information on the debt owed without first giving them my personal information and my social security number. I have not received any notification by mail. It is not my debt, so make them stop calling me at work. My bosses and myself have ask them to stop calling me at work, but they seem not to care and keep calling even after the threat of hiring a lawyer to sue them. I won't have a job if they keep this up.
11/16/2021	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 Their investigation did not fix an error on your report	TN 37172	Web
I called XXXX XXXX who is the one who reported on my credit. They said they charged off the account it was sold off to NES. NES sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. XXXX XXXX rejected my dispute, so I then sent more information to XXXX. Documentation from NES showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
08/11/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 60626	Web
I received a notice from NES OHIO on XXXX XX/XX/2022. This notice states NES of OHIO is a debt collector. The notice states it's a " debt I owe to XXXX XXXX XXXX XXXX '' in the amount of {$14000.00}. I have never taken any loan in this amount with neither of the above agencies. This is more than likely a fraudulent account or someone sending a letter from a fake entity trying to get personal information from me. I contacted them twice in the week of 9 XX/XX/2022 trying to gain information regarding this. Once I spoke to an operator, they demanded that I provide my full social security number. I refused and that operator stated she will not help me further and abruptly disconnected the phone call while I was speaking. This very frustrating and taxing to deal with please assist immediately
12/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07731	Web
I received a letter from National Enterprise Systems of XXXX Ohio to collect a debt. I requested information from National Enterprise Systems on several occasions via U.S. certified Mail for the past 3 months they have only provided 2 documents as I requested several documentations. Especially being that they are located in Ohio and I reside in the state of New Jersey. I requested documentation that this company is legally able to collect any debt in the state of New Jersey if so, provide licenses information. I tried to be lenient with National Enterprise Systems in which I explained to them that it is my right to request documentation and to receive it. National Enterprise Systems has been in non compliance since XX/XX/2021. I've attached all documents. See attachments.
03/11/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	WA 98166	Web
National Enterprise Systems ( NES ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off inn XXXX which is 15 years after I opened the debt and the end of the re-payment period. I asked NES for debt verification as the lender has no record of any of my original debt. NES sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.
04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91344	Web
National Enterprise Systems has sent me a letter which states I owe XXXX in charges to XXXX XXXX. They reference the account as XXXX, as of XX/XX/2022. National Enterprise Systems was made aware that this matter was resolved. My account was credited on XX/XX/2022. I ask that National Enterprise Systems remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. National Enterprise Systems should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.
06/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 750XX	Web
National Enterprise Systems is trying to collect on behalf of XXXX XXXX for an unknown debt. National Enterprise Systems has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$3000.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
03/02/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	TN 38138	Web	Servicemember
National Enterprise Systems ( NES ) in XXXX, OH has repeatedly ignored requests from the employee and our corporate entity to refrain from calling employees while they are at work. If NES is claiming to be a debt collector, this practice is a violation of the Fair Debt Collection Practices Act ( FDCPA ). If NES is claiming to be a debt buyer/holder, this practice is in violation of the FDCPA pursuant to the United States XXXXourt of Appeals for the Third Circuit ruling in XX/XX/2018 in Tepper v. Amos Financial, LLC, No. 17-2851. Tepper v Amon Financial, LLC ruled that an entity whose principal purpose is the collection of any debtregardless of whether the entity owns the debt it collectsis a debt collector for purposes of the FDCPA.
12/28/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11741	Web
After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}
05/31/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MN 55443	Web	Older American
I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( XXXX XXXX XXXX ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. After I completed the payments to XXXX, I got a call and a " bill '' from NATIONAL ENTERPRISE SYSTEMS XXXX INC. claiming to collect on the debt that have already been paid. I called both XXXX and National to let them know the debt has been paid in full and yet National continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.
08/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91942	Web
XXXX claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.
12/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MN 55404	Web
My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.
01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19146	Web
National Enterprise Services is attempting to collect on a debt on behalf of XXXX XXXX that was XXXX by the bank in 2021. I have spoken to a XXXX XXXX representative at the XXXX XXXX location in XXXX and given assurance that this debt was resolved. I have attempted to dispute this debt via mail, phone, and by using the form on their website. However, my mail was not answered in a timely manner, their phone line constantly resets and I have been unsuccessful in getting a response, and their web form located at https : XXXX consistently returns an error when trying to submit. Therefore, I have not been able to contact this company to receive any information on this debt or to dispute it as is my right.
08/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AK XXXXX	Web
The debt collector is attempting to collect a debt for a truck that is not my account. Her name is XXXX XXXX and her phone is XXXX XXXX. When I call her back to tell her that this is not my account she asks for the number that SHE is calling. I do not know what number she is calling so I give her the main number to my place of work so she can remove it. That number does not come up in her system so there is nothing she can do. I keep getting calls from her and it is embarrassing and harassing at my professional medical office. This is not my debt and they have the wrong person but she has no way to remove me unless I can tell HER THE CORRECT NUMBER THAT SHE IS CALLING. This seems wrong to me.
09/27/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CT XXXXX	Web
My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
01/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80923	Web
I received a letter from National Enterprise Systems ( NES ) dated XXXX XXXX XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that NES was mistaken, the debt was not mine, and I requested validation. NES responded with a letter dated XXXX XXXX XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate age. This is a case of mistaken identity.
06/02/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29203	Web
NES NATIONAL Enterprise Systems XXXX XXXX # XXXX I understand that the {$230.00} debt is owed. I have every intent to repay the bank, however, I have been unemployed for 6 months and is currently collecting {$150.00} per week in jobless benefits for 12 weeks. Because I work in XXXX, I am subject to pass a credit check before an offer for employment can be extended to me. I applied for the XXXX XXXX positions with the XXXX XXXX XXXX, XXXX, NC and I am required to pass a credit check. I can not have any collections or judgments on my credit file. It 's critical that my credit file remains spotless because I will have to undergo credit checks for any positions I apply in XXXX
11/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32506	Web
XXXX XXXX XXXX has committed multiple violations on my credit report t heyre not 100 % accurate on my report On each bureau theyre are different high credit amounts the credit limit on XXXX is also read {$0.00} The dates opened is also different on each bureau XXXX also has a different account number as XXXX and XXXX. I will be sending a copy of this to the FTC for them to review I will so have my attorney review these violations I will so be sending a screenshot of my credit report to show all the violations and inaccurate reporting XXXX XXXX XXXX has made. XXXX XXXX XXXX needs to remove to TradeLine from my credit report as they have committed numerous violations
03/26/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 19136	Web
I had an agreement with the company for paying the lowest amount monthly. They agreed on paying the 100 monthly without charging fees and interest. I started paying on what we have agreed. The balance was {$5000.00} when paying when down to {$3900.00}. I received a statement stated that I owed them {$5700.00}. This is incorrect information and balance. They had charge me fees and interest. I've contacted them over and over again. They said that now I have to pay {$470.00} a month even though we agreed on the payment of $ 100 monthly. I have tried to call them and they wont help me anymore. I'm very frustrated because they closed the account and now I am in collection.
02/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91356	Web
I constantly am getting emails from this debt collection company named National enterprise systems, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX to settle a debt that has already been removed from XXXX and XXXX and or XXXX. I'm literally letting email every 2 days twice each time to settle a debt that is no longer on my credit report. I've attempted repeatedly to contact this company, I've sent emails and they still won't stop sending me collection notices via email. The emails have been coming since XX/XX/2022. Here is a couple of their email addresses ( XXXX ) And ( XXXX ). Also the NES account # they placed on my name is XXXX and XXXX
07/04/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90059	Web
i start to make a payment to the company name national enterprice system, because this company make a setlement with the company who represent me name XXXX, but i cancell this company because they charge to much money for the srevices, know i keep make a payment, but national tried to make another offer because i told them, if they have any other offer, so they try for me to take other 0ffer, but this is the complete amounth that i owed, from the beggining, so they dont told me that, when i check the numbers, i call them back and they dont reply to me, and also they dont send me any receipt or any letter to comfirm my payment to Imake every month.
07/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92833	Web
Received a letter dated XX/XX/2023 from National Enterprise Systems ( address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX ) that I have a debt amounting to {$5900.00} owed to XXXXXXXX XXXX XXXX. with account number ending in XXXX ( Reference number XXXX ). I do not have and never had an account with XXXX XXXX XXXX, I do not owe any amount stated in the letter. The letter was also sent to an incorrect home address. I have tried to contact National Enterprise Systems and left a voicemail that I am contesting this notice and debt and reporting it as fraud. I have asked them not to contact me anymore, as I have nothing to do with this debt.
09/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33137	Web
I received a letter which posted a charge of {$1400.00} levied by the collection agency National Enterprise System ( NES ). The date on the letter reads XX/XX/2019. When I called NES, the different representatives that I was transferred to refused to give me an explanation of the debt. They did not want to tell me what services or merchandises that I purchased that cost this dollar amount. They asked me to give them the account number written on the letter which I did. But instead of telling me why I owe this debt, they keenly insisted on me giving them my personal information, although I repeatedly verified the account number and my address.
04/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 521XX	Web
We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.
05/09/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	KY 40220	Web	Older American
National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.
04/20/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	UT 84096	Web
I have received multiple calls from NES from ( XX/XX/2023 to XX/XX/2023 ) every day with no voicemails from XXXX to explain what this debt is or received emails for any attempts made. I have received calls and messages from my family members and boyfriend that they are calling them to get in contact with me immediately. Just today ( XX/XX/2023 ), my mother was called 3 times and was asked to provide my phone number and how to contact me. This is a form of harassment and I do not want my family members or boyfriend being contacted if a debt needs to be settled. I would like to receive a letter, email, or voicemail directly to myself.
06/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American, Servicemember
I received numerous calls from XXXX XXXX XXXX. They are claiming that I owe money. I returned their call, and ask them 1. Who are you- 2. Who do you want to talk to. I received no response to my questions, but they just keep on calling. Also I said that if I owe money send me a letter and I will pay it-if I owe anything. Again no response. I am XXXX years old with a XXXX XXXX- and would like for them to tell me something or stop calling me.. If we are a nation of laws - then this abuse of their power must be stopped.. XXXX XXXX disconnected me- after they failed to justify why they were calling me..
01/20/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	PA 193XX	Web
I set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.
11/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48220	Web
For the past 3 months every few days we receive XXXX to 4 phone calls starting around XXXX. When I answer the calls no one speaks then after XXXX to 17 sec it goes into a busy signal. Finally, I called the number. When I spoke to someone they asked for my adult daughter who has n't lived here in 5 years. I said she does n't live here and the women hung up. My husband gets home from work at XXXX. Every time the phone rings it wakes him up. Calling our home at XXXX would be like calling someone a XXXX every 2 days ... It is almost as if the goal is to harass since they have never spoken to us!!!!
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 773XX	Web
On XX/XX/2023 I received a letter from National Enterprise Systems stating that I owe XXXX Bank {$150.00}. I did not give authorization for National Enterprise Systems to get information they are a third party and I never received information from XXXX Bank letting me know that they were sending information to third party. When I called National Enterprise Systems to get signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.
08/28/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95966	Web
We have sent several certified letters and emails requesting payoff amounts, proof of fees, history of payments and other pertinent information. NES acknowledges receipt of requests but will not respond or even provide any useful or relevant information in writing. The one form letter/statement NES sent left more questions and problems than answers and it did not respond to any of the concerns we inquired about, like the allegation of there being more than one account. They have said several times that they can only communicate by telephone and thus provide no written records.
01/12/2016	Yes	Debt collection Non-federal student loan	False statements or representation Indicated committed crime not paying	CA 92105	Web
I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29016	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
11/04/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32209	Web	Older American
I received a letter that was dated XX/XX/2022 regarding a debt that was taken care of by a previous lawsuit. I received a letter that the amount was written off by the XXXX XXXX. I don't remember the day of the letter I received from them. The reference # : XXXX that is on the letter that I received and the amount stated that is due : XXXX. I mailed a letter to them today letting them know that I do not owe anything. I don't if anything will come of it, but I would like this taken care of and nothing should on my credit report regarding this. thanks in advance
02/21/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	MI 48227	Web
The company is National Enterprise Systems not ( XXXX ) but they may be affiliated together. This is for a private loan payment. The reason they are calling me is to find out when I 'm going to make the next payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they will leave a message sometimes then wait a few minutes and call right back. Like back to back. This is excessive and I do n't need them calling me that many times a day because they need a answer. Please make them stop calling me 6 to 8 times a day.
05/19/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	WA 981XX	Web	Servicemember
I requested an explanation of the debt and the company sent a copy of a promissory note from another creditor from 2003. Based on this information alone, the debt is past the statute of limitations in Washington state. A proper explanation of the debt includes payments made, amount due, date of last payment, and other relevant data to show the loan the collection agency is trying to collect is a valid debt, under the FCRA. Until National Enterprise Systems can show the valid debt, it should immediately remove the Collection Account from the XXXX credit bureau.
04/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
On XX/XX/2020 I received a letter from National Enterprise Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National Enterprise Systems. I sent National Enterprise Systems a disputed letter and in that same letter I also asked for them to send me an Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with National Enterprise Services.
09/06/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 44310	Web
Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.
09/28/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	NE 68137	Web
Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is XXXX XXXX XXXX, XXXX of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
04/12/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA XXXXX	Web
I received numerous phone calls from national enterprise systems on a false phone number. All phone calls are on XX/XX/2017 time stamped at XXXX am, XXXX,XXXX am and XXXX am with a number of XXXX. Then they called my place of employment on XX/XX/2017 when I am not supposed to be taking any personal phone calls. I also informed them on the last call on XX/XX/2017 that they were in violation on federal law and then hung up on the collector. This behavior is in violation of the harassment section of the fair debt collection act section 866
04/11/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	KY 40245	Web
There wasn't a great options for this situation. The Bureaus had used National Enterprise Systems to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. My attorney XXXX XXXX XXXX responded to the initial letter from National enterprise systems and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.
02/14/2017	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	PR 00739	Web
Received collection call from debt collection company called National Enterprise Systems, on XXXX XXXX, 2017 at XXXX XXXX in XXXX XXXX, number that called XXXX XXXX ) XXXX, regarding student loan private loan debt, demanded that I give them an answer regarding my solution to pay off the debt within an hour, demanded that I had to call my cosigner ask the cosigner to put the debt in a credit card to get rid of the debt and get rid of them, pressured me to call back within an hour with a solution, was insensitive to my situation.
06/27/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IN 46033	Web
National Enterprise Systems has been calling my cell phone repeatedly about a debt owed by person other than me since XXXX XXXX. I have called them to take me off the list repeatedly, but they ca n't take me off the list without knowing the debtor 's name. They call me after the office is closed so I can not call them back. I have blocked the number, but they still leave voicemails. They need to stop. The last batch of phone calls were on XXXX, XXXX and XXXX. The person that leave messages is XXXX XXXX at ( XXXX ) XXXX XXXX.
04/15/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CT 06605	Web
XXXX XXXX XXXX A man Called me XX/XX/21 at XXXX about debt collection claiming to be from national enterprise system inc. We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with XXXX XXXX XXXX, he claimed to be a manager from national enterprise. He said they would take XXXX today and i would have to give the remainder by the 30th Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. They took my XXXX XXXX routing and checking number and my social security number. Please help.
07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29615	Web
On XX/XX/2021 I received a letter from National Enterprise Systems informing me that they were attempting to collect an alleged debt in the amount of XXXX. The letter states that the current creditor is XXXX XXXX from XXXX XXXX XXXX. I have never lived in XXXX nor attending a school in XXXX. I have sent National Enterprise Systems a dispute via certified mail requesting validity of the alleged debt along with a demand to cease and desist all communication and collection activities. Please see attachments.
02/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30035	Web	Older American
The debt collector asked for my great niece. I am a XXXX yr old woman and my niece do n't live at my address, nor do we share the same number. When my niece called them back, they ask for her married name since XX/XX/XXXX. We immediately knew who gave these people the number. His name is XXXX XXXX XXXX and his number is XXXX. I called him and asked him why would he give my aunt 's number out and she is frail and old? His date of birth is XXXX/XXXX/XXXX and while married, he owe student loans while married.
12/21/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 91342	Web
Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 151XX	Web
I'm a victim of identity theft. I notified XXXX of this and you. I provided the fraudulent charges several times. As well as police reports and ftc reports. I reported that my card was lost. And never received a new card. Most of this is when I didn't have the card. I filed a few complaints with the XXXX as well as the cfpb. I can not believe even after taking charges off they. Were then returned. This has been a horrible experience fighting XXXX to prove my case has only made it more stressful.
12/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 164XX	Web
For the last 6-8 months a phone number, XXXXXXXX, identified as "National Enterp" calls our landline phone twice a day. We have tried to answer this call to tell them not to continue calling but no one ever responds no matter how many rings we allow before attempting to answer. The calls come just before XXXXXXXX XXXX. EST and, again the same day just before XXXX XXXX. EST. If the answering machine picks up there is no message left. We would like them to stop the repeated calls and hang ups.
06/29/2023	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	NV XXXXX	Web
I was pressured to sign up for these loans while on welfare and a single mother of XXXX children. The school was bought out and closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems. I am now being asked to repay over {$100000.00} in student loan debt when I did not receive a quality education or benefit from the career that was promised to me.
08/23/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OK 734XX	Web
XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.
01/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	ME 044XX	Web
This debt collector has been contacting me for collecting a debt that is over 11 years old. I sent a verifacation of debt letter and this company failed to provide any of the information I asked for. Which you 'll find in the attached document. I have no contract with this company, nor have I given this company permission to obtain any information of the Debtor they are persuing, under the ucc1 financial and ucc1 security agreement filed. Now they are harrassing me.
01/26/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29680	Web
I was never properly educated on being able to dispute my debt on a credit card through XXXX XXXX XXXXXXXX. I also was moving during the time of making these purchases, and I believe they were sending notices to the wrong address until they realized I moved. It is slightly over {$4000.00}. Ive been able to pay off some of it but its impractical for me to be able to pay it all off with other bills when I couldve disputed it, if made aware. I am a low income adult.
03/02/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	KS 670XX	Web
They called me this morning and I answered. Told me the debt was for XXXX XXXX credit card before verifying they had the correct party. I told them I don't verify over the phone and terminated the call. They have called again and just hang up as I answer. I called them to ask why they are doing that and the female representative said, '' because we HAVE to have a conversation with you ''. She became rude and wanted to talk over me. I terminated call again.
08/15/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	NJ 07018	Web
I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.
05/07/2018	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 640XX	Web
We received an Order Of Withholding From Earnings from National Enterprises Systems for an employee. It appeared to be an official order compelling us to send the employee 's wages, citing Federal Laws in the letter. The letter stated if the wages were not received by XX/XX/2018, they would consider legal action against XXXX XXXXs. After looking into National Enterprise Systems, it appears this is common practice for this company and it is illegal.
07/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75211	Web
On XX/XX/2019 I I received a letter in the mail from national enterprises systems for a debt from XXXX for {$1700.00} I try to contact the collection agency waited online for one hour when the person came to the phone Ive tried to let them know that the account was not mine and they hung up in my face instead of trying to contact them again I got online with the help deck For XXXX XXXX and was referred to XXXX website to file a personal dispute
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33407	Web	Servicemember
A XXXX from XXXX XXXX ext XXXX continues to call my work place where I am not allowed personal calls. I have been warned and am currently receiving disciplinary action. She is not calling me she is calling a co-worker who has filed a complaint and she has told my co-worker the nature of her frequent calls. She calls my work place daily as well as two times a day. My next disciplinary action will be two days non paid administrative leave.
01/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79938	Web
XX/XX/2022. Opportunity to cure was sent to the debt collector. Even though they turned the account back over to XXXX, they never sent validation of the alleged debt, pursuant to 15USC 1692 I never gave NATIONAL ENTERPRISE SYSTEMS permission to communicate with me concerning the alleged debt, and the company still violated my consumer rights. NATIONAL ENTERPRISE STSTEMS is still in violation. I hope that we can reach a valid resolution.
09/26/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 039XX	Web	Servicemember
Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. Same company called next day, but a different phone number and extension was given XXXX XXXX. I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.
02/27/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48336	Web
National Enterprise Systems has repeatedly called me from a blocked number. I have answered and informed them they are violating federal law by calling from a blocked number and to call me from an unblocked number if they wish to speak with me. They have continued to call me from a number showing up as XXXX on my phone. They have also called me repeatedly throughout the day to the point in which some may describe as excessive.
10/31/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	RI 02908	Web	Servicemember
I 've received multiple calls and faxes to my place of work from National Enterprise Systems ( XXXX XXXX ). The calls are regarding outstanding debt ( student loan ) from XXXX. I 've called multiple times to confirm that they ( NES ) have the wrong person, yet they persist on calling/faxing my place of work. I also contacted XXXX to confirm that I do not have any outstanding loans through them, and they confirmed I did not.
10/25/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 786XX	Web
National Enterprise Services is constantly calling our company looking for information regarding an employee. I've asked them repeatedly to stop calling. They call several times a day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/24/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	DE 19702	Web
I co-signed a student loan for a friend and the loan was sold to debt collection agency called National Enterprise Systems in Ohio after default. The Collection agency fraudulently obtained my bank account information and withdrew XXXX withdrawals from my bank account in the amounts of {$1400.00} and {$1100.00}. I did not give the collection agency my banking information or permission to withdraw money from my account.
06/26/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10591	Web
Receive multiple calls from the number. Receive both automated messages and scripted messages with a human when I don't pick up. Receive calls after asking them not to call since they were unable to actually confirm the debt when I did pick up once. Received calls from other XXXX phone numbers that are similar, each with the same tactics of leaving threatening voice mails that are either automated or scripted humans.
09/11/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	PA 19020	Web
I received notification that my credit report got a ding from collection agency NATIONAL ENTERPRISE for a $ XXXX debt from XXXX XXXX XXXX XXXX an entity I have never done business with in my life. In fact, I recently just settled a former student debt with the IRS last year so this is clearly a fraudulent charge and I have already gotten the FCC, CFPB, OIG involved and put a fraud alert with credit report agencies.
01/09/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 115XX	Web
On XX/XX/2019, XXXX XXXX a department head at National Enterprise Systems contacted our daughter on her personal cell phone about a debt her father and I owe. Our daughter is not a guarantor or contact on any of our financial accounts. She is a student. I called Mr. XXXX directly, informed him I was going to file a complaint with the CFPB and that he should delete my daughter 's contact information from our file.
09/27/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	SC 291XX	Web
Called looking for me. I said it wasn't me and she huffed and told me to " cut the XXXX know it's you ''. She didn't identify herself and when I asked who was calling she said " I've told you one XXXX time I can't give that information. '' She also called my dad and yelled at him looking for me. When I call the number back it answers as National Enterprise Systems but I don't know who that is or what they want.
12/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22204	Web
Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise Systems.
03/09/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	LA 708XX	Web
The collection agency constantly call me every hour all day long. They call my job all day as well. They call disclosing information that should not be disclosed. It is most definitely embarrassing. They call my cell phone late at night as well. The latest they have called me is after XXXX. I am really tired of this. There tactics are ridiculous!!! I would appreciate it if something could be done about this.
02/25/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MI 48224	Web
National Enterprise Systems , Inc. states that I owe {$510.00} to them from a debt that was assigned to them by XXXX XXXX XXXX. I've sent a debt validation, a Affidavit of Truth which was notarized, and Exhibit as proof in which they violated consumer laws which was notarized, a cease and desist letter with an attached invoice for payment to me since the fair debt collection practice act laws were breached.
09/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	SC 29016	Web	Servicemember
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
07/26/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 443XX	Web
Every day for at least the past 7 months I come home to a voicemail message looking for a person who does not live here. I recently called back the number and told them that person did not live here and to stop calling and take my number off their list. The calls have continued nonstop. When I reached them they gave me another name -- still someone who doesn't live here. I'm just sick of it!
12/21/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30324	Web
I received a call from NES, National Enterprise Systems. On the call, I requested that a verification of the debt be sent to me and I was told that it was already sent. I informed them that I had not received any information from them and asked if they were refusing my request. The agent told me that I was about to be sued and that they would list on my account that I was uncooperative.
09/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44124	Web
WE HAVE RECEIVED HUNDREDS OF PHONE MESSAGES ABOUT A DEBT FROM NATIONAL ENTERPRISE XXXX XXXX XXXX XXXX XXXX. WHENEVER WE CALL BACK THERE IS NO ONE AT THIS NUMBER TO TAKE CALLS OR LEAVE MESSAGE. WE HAVE NO DEBTS THAT ARE NOT PAID TIMELY. WE HAVE FICO SCORES IN THE MID 800 'S AND WE ARE SICK SICK SICK OF THIS ONGOIING NEVERENDING HARRASMENT CALL AFTER CALL AFTER CALL TO XXXX XXXX XXXX
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 42701	Web
NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
02/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30152	Web
Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
03/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 324XX	Web
I am XXXX XXXX XXXX and do not have any debts. My cell phone number is XXXX, which I have had for 10 years. I get lots of calls from XXXX asking to speak to XXXX and saying my cell phone number is hers. On XXXX XXXX, 2017, I told them I was not XXXX, but they keep calling. They have called at least 7 more times. I am very busy at school and do not appreciate these harassing calls.
12/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85206	Web
I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.
10/04/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 73112	Web
My debt was XXXX because of XXXX fraudulent practices, which XXXXXXXX XXXX XXXXXXXX was well aware of. They passed the collection off to National Enterprise Systems who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for XXXX, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.
07/05/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	VA 22202	Web
National Enterprise Systems ( NES ), a holder in due course of Private Student Loan originated by XXXX XXXX. NES claims that I am a co-borrower of this loan. I have disputed that I signed this application. The copy of the application provided by NES contains numerous errors including incorrect personal information, references, and contact information including email address.
11/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11204	Web
The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.
10/12/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	WY XXXXX	Web
National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.
01/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
Repeated phone calls from several numbers claiming to be from National Enterprise Systems. I have no debts with anyone - I have not received any written notification about any debts owed. I have tried calling back and get automated voice messages and can not resolve any matters. I have blocked at least 3 different numbers from this company and they continue to call.
06/23/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	PA 18045	Web
National enterprise systems. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.
06/28/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	PA 193XX	Web
NES - National Enterprise Systems : They continue to call my place of work. They are lying saying my voicemail is full and giving messages to our corporate call center. I have been reprimanded for these continuous calls and now I am afraid of losing my job. Yesterday for example they called at XXXX ; XXXX ; XXXX ; and XXXX. Can someone please help? Thank you.
12/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30318	Web
I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction.
08/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32828	Web
I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam. I do n't appreciate being harassed at my job. Thank you for your help
04/18/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	PA 19145	Web
I was contacted by NES and told I owe {$120000.00}. I agreed to settle the debt for {$22000.00}. This means they are forgiving {$120000.00}. I paid the agreed upon settlement. However, NES will not confirm my payment and that the debt is now settled. Nor will they send me a copy, as requested of my original promissory notes so that I can verify this debt.
12/28/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL XXXXX	Web
Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.
05/22/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	AR 719XX	Web
This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to XXXX that I have settled on XXXX XXXX , 2017 . XXXX responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair practice.
02/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27703	Web
I received a letter from National Enterprise Systems on XX/XX/2019 stating XXXX was going to collections because there was an account by XXXX XXXX XXXX . I never initiated and or applied nor received or purchased anything from this company. I am a victim of identity fraud. They also initiated several hard inquiries over the years gone unnoticed.
03/19/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 23228	Web
I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ID 83687	Web
I was offered a settlement in full offer of XXXX dollars by national enterprise service collection agency for my account from XXXX XXXX that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.
03/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28409	Web	Older American
I have been receiving a call daily for a couple of months from National Enterprise Systems. They leave a message on my answering machine to call a number from a debt collector. Since I have no outstanding unpaid debts, I do n't answer or respond to the call. The number they ask me to call is : XXXX. The call, today, came from XXXX.
06/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web
I am a senior citizen and my husband passed away 9 years ago I'm being harassed With English phone calls When I answer the phone it's a recording I attempt to call back and there's no answer If the debt was mine I do believe there's a statue of limitations but I do not believe that it's mine I suffer from a little memory loss
08/15/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	SC 29708	Web
On XX/XX/2018, National Enterprise Systems ( Ms. XXXX XXXX ext XXXX ) called my employer without my permission attempting to collect a debt. I never have spoken with them to give them acesss to call my employer. They are causing me distress at work. They have threatened me while at work. They continue to harasses me.
09/04/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 93306	Web
Harassment! Calls up to 10 times a day from the same number ( XXXX ) XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to me.
10/04/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NJ 07010	Web
According to the directions given on this letter that I received, they accept disputes electronically at XXXX. However, there is no way to submit a dispute. In addition, this debt is for my ex-wife, and that debt should be discharged from my account per the recent legislation passed in regards to XXXXt loan debt
01/24/2017	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	MI 48219	Web
I contacted the debt collector on XX/XX/2017 to try and work out a payment plan. The amount that was asked for was too high for me to pay. The agent mentioned that I had twenty four hours to come up with an answer or he will tell the original private loan company ( XXXX ) that I am not willing to work with them.
11/14/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX XXXXX	Web
I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX, XXXX, XXXX, XXXX, XXXX, National Enterprise Systems, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.
06/29/2023	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	NV XXXXX	Web
I was pressured to sign up for these loans while on XXXX and a single mother of XXXX children. The school closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems.
03/13/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	KS 66030	Web
National Enterprises System has been calling me multiple times a day and even called a distant relative in another state looking for me. I want nothing to do with them and my student loan debt. They cal from different phone numbers and sometimes unknown numbers, but all the calls are the same company.
12/09/2017	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	NJ 086XX	Web
National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
07/19/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NM 87107	Web
National Enterprise Systems is attempting to collect on my student loans while they are in the process of being forgiven. NES is also adding an XXXX $ collection fee. I have also filed a complaint against XXXX collection agency who is attempting the same thing. That case number is XXXX
05/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20853	Web
National Enterprise Services contacts me daily from a variety of numbers to collect a debt from one of the XXXX independent contractors working with an XXXX that I have in MD. This aggressive and inappropriate behavior can not be lawful. They are calling my personal cell phone number.
05/13/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	DC 20002	Web
National Enterprise Systems has called me no less than XXXX times, and left XXXX messages identifying themselves as debt collectors, about a debt they want to collect from my brother. Half the calls and messages came after I talked with them and notified them that I am not my brother.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37412	Web
I paid two collection accounts with National Enterprise Systems. I was told the collections would be deleted and the accounts would be marked " paid in full. '' Since I've paid they have updated the listings as charge offed accounts, as though the delinquency has been re reported.
09/17/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	FL 33544	Web
I received a collection letter stating I owed {$3700.00} for a student loan, school name was not on the letter and Im sure I didnt attend any school in 2001 ... this collection is not mine and my sis is being used ... what can I do to prevent my SS # and name from being used?
07/07/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77388	Web
I keep receiving calls when Im at work and they also threaten me to call my employer and to verify I was at work. What kind of business is that? They call me during my work hours and threaten me to sue me, also that they will freeze my bank accounts and collect my wages.
10/14/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Older American
XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. Thank you in advance for your help.
03/23/2023	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	GA XXXXX	Web
This company has been harassing me and calling me daily, non stop. They have even called before XXXX, and refuse to stop. There has been no written notification of debt, so Im confused on why theyre even contacting me. If I dont answer they call from a XXXX number.
09/07/2017	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11204	Web
Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them again
11/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78109	Web	Servicemember
National Enterprise Systems ( NES ) committed 31 violations of the Fair Debt Collection Practices Act. They violated Title 15 USC Chapter 42 ; 1692c, 1692e ( 2 ) ( A ), 1692e ( 10 ) 1692e ( 13 ) ,1692e ( j ), Chapter 94, Subchapter II, Paragraph ( a ) ( 2 )
12/31/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27517	Web
For about two weeks National Enterprise Systems has been calling every morning at about XXXX for a person that does not live at my address. I have asked them to stop calling my phone number but that has not stopped the calls. I want them to stop calling.
09/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 681XX	Web
NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them.
06/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 61008	Web	Older American
Calls identifying their purpose as a debt collector ( NES Ohio ). A recorded message leaves an XXXX number for a response, offers no information as to the source of the " debt '', who they represent, or an amount. I do n't know why they would call.
05/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48322	Web
I have a credit card from XXXX/XXXX XXXX. There are itemes on my charges that I did not purchase that were purchased fraudulent after Identify Theft. I have notified XXXX and they have now put me into collection with National Enterprises Systems.
07/29/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91411	Web
On XX/XX/2022, National Enterprise Systems -- XXXX XXXX XXXX, XXXX, Ohio, XXXX, XXXX, XXXX XXXX XXXX accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with National Enterprise Systems.
11/14/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	MD 21784	Web
I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.
12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 454XX	Web
Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.
01/17/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	CA 92311	Web	Servicemember
They called me at work which I live in the state of California which states that they can't call you at work which they did knowing that I work at a XXXX and XXXX XXXX XXXX. This incident happened XX/XX/19 around XXXX XXXX
10/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34205	Web	Older American
From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. Please advise
06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33837	Web
National Enterprise Systems has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.
03/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85140	Web	Servicemember
I submitted a complaint on XXXX. The company responded on XXXX but did not address my complaint. I have since tried to contact them by phone and email to which they have not responded. Original complaint XXXX.
04/16/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 974XX	Web
I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web
I received a new copy of my credit report a XXXX ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX put an Account Review Inquiry on my XXXX Credit report.
09/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
This debt from XXXX XXXX is not valid. I went in to the bank myself and asked to close the account. But are now saying I owe. The business and everything attached has been closed for awhile now.
07/17/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web
Repeated calls from National Enterprise Systems trying to collect information on someone else. They have called my daughter and mother also trying to get information. We have no debt with them.
04/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43231	Web
Unlawful collection of debt, that was included in XXXX bankruptcy. The debt was orginally held by the ohio attorney generals office, but was turned over to a collection agency in XXXX.
02/19/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CO 80231	Web
I have no debt in collections that I am aware of ( credit report says no collections ). Unsure why National Enterprises keeps calling me daily. They called XXXX XXXX XXXX XXXX today.
04/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08080	Web
Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute
05/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 161XX	Web	Servicemember
There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.
03/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 79938	Web
I got a letter today writing to me about my debt. Reference # : XXXX. I have no knowledge of this debt and didnt receive the information to verify this debt is mine.
03/22/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	PA 16001	Web	Servicemember
I was called by National Enterprise Systems. When I asked them if they were a debt collector attempting to collect a debt they refused to respond to the question.
08/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93035	Web
I GET REPEATED PHONE CALLS TO MY WORK EVERY DAY OF THE WEEK. I'VE SPOKEN ONCE TO SOMEONE TOLD THEM TO CALL MY PERSONAL PHONE AND NOT WORK. NO MESSAGE IS LEFT.
03/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 151XX	Web
They call 5 times a day and do not leave messages and when the phone is answered the do not say anything. This happens everyday for the past year or two.
04/07/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	VT 058XX	Web	Servicemember
My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.
12/19/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33064	Web
Hi, theyre trying to accuse me of something that I did not do regarding a XXXX back account thats negative {$28000.00} that I reported I didnt do.
08/03/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 33313	Web
I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.
04/03/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web
This is not my account. I have no idea why this company is contacting me about this account. No knowledge at all. sent company a letter
04/07/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NC 28227	Web
My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.
04/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web	Servicemember
NES has forwarded a letter to me with claims I owe them debt. I do not have any accounts with NES or its affiliate representative.
04/13/2015	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	ME 042XX	Web
I have asked the company XXXX to not call me at work and to communicate with me In writing and they 're still calling me at work.
03/06/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MI 494XX	Web
Calls my employer everyday and asks for me and plays the recording saying they are a debt collector trying to collect a debt
06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11003	Web
I recently had an collection account added to my credit report and I do not have no knowledge of this collection account
01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 039XX	Web	Older American, Servicemember
Two to tree calls a day for the past 4 months from a " National Enterprise System '' to collect a debt that is not ours.
01/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19138	Web
NES collections continues to send emails sometimes twice a day. With no info to dispute
08/15/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33319	Web
Company continues to call repeatedly. I have requested many times to stop the calls
04/03/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web
Provide Company a letter to remove me from any collections as bills is not mind
10/06/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77498	Web
This morning received back to back robo-calls which leave no message.
06/30/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 172XX	Web	Servicemember
XXXX XXXXXXXX XXXX is paid
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78745	Web

01/24/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77450	Web

12/22/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	ND 58276	Referral

12/04/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA 98373	Web	Servicemember

11/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30095	Phone

11/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44056	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44056	Web

10/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

10/23/2023	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 33014	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web

10/17/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75013	Web

10/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92411	Web

10/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94520	Web

09/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 989XX	Web

09/27/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84319	Web	Older American

09/20/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	MI 48180	Web

09/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21234	Web

09/04/2023	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	NJ 07661	Web	Older American

08/25/2023	Yes	Student loan Private student loan	Struggling to repay your loan Bankruptcy	NJ 07661	Web	Older American

08/01/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18840	Web	Older American, Servicemember

07/11/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web

07/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 15227	Web

07/10/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 34475	Web

06/29/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 20148	Web

06/26/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

06/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 35565	Phone

06/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33125	Web

05/19/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30339	Web

04/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75671	Web

04/10/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92234	Web

03/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30326	Web

03/28/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 91403	Web

03/09/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NE 68022	Web

02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77025	Web

02/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38018	Web

01/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30087	Web

12/16/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 53029	Web

12/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40502	Web

12/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78109	Referral	Servicemember

11/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76134	Web

11/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37122	Web

10/27/2022	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	OH 44118	Web

10/06/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MN 56258	Web

09/20/2022	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77057	Web

09/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77066	Web	Servicemember

09/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11372	Web

09/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33461	Web

08/04/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OK 73034	Web

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40222	Web

05/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11368	Phone

04/20/2022	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	CA 94404	Web

03/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78112	Web

03/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web

02/01/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	AL 36603	Web

11/04/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 62901	Web

10/12/2021	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 33415	Web

10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36609	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48068	Web

09/12/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

07/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22079	Web

07/23/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28771	Web

07/06/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	LA 70094	Phone

07/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

05/24/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	NY 10462	Web

04/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 77090	Web

04/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32744	Web

04/19/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	IL 60083	Web

03/28/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MS 39212	Web	Servicemember

03/16/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30114	Web

02/13/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CT 06511	Web

02/05/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MN 55119	Phone

12/17/2020	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34787	Web	Servicemember

12/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest		Phone	Older American

11/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49546	Referral

11/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75001	Web

08/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47150	Referral

08/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21214	Postal mail

08/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Referral

07/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11373	Web

06/26/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34744	Web

05/29/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10011	Phone	Older American

05/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 31601	Phone

05/13/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MD 21244	Web

05/13/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27502	Web

03/05/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid		Phone

03/04/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 44077	Phone

02/26/2020	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising		Phone

02/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07086	Referral

01/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78611	Referral

01/27/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23325	Web

01/24/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44094	Web	Servicemember

01/21/2020	Yes	Debt collection Private student loan debt	Communication tactics Called before 8am or after 9pm	CA 90038	Web

01/13/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid		Phone

12/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 18017	Postal mail

12/09/2019	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TX 77386	Web

11/12/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77375	Web

10/30/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	IN 46902	Web

10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85225	Web

09/13/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77450	Web

09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98402	Referral	Servicemember

09/10/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 32766	Web

09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98402	Postal mail	Servicemember

08/28/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	KY 40218	Web

08/27/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32766	Web

08/15/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94109	Web

08/14/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90210	Web

08/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29680	Web	Servicemember

07/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78239	Postal mail

07/17/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92619	Web	Servicemember

07/15/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 53219	Postal mail

07/09/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 78634	Web	Servicemember

07/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63026	Web	Servicemember

07/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

06/18/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 77084	Web

06/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30094	Phone

06/13/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	KY 41701	Web	Older American

06/12/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77406	Web

06/04/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27406	Web

06/01/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TN 37042	Web	Servicemember

05/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92028	Phone

04/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78258	Web	Servicemember

04/01/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91503	Web

03/20/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 14120	Web

03/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 65742	Web	Servicemember

03/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91740	Web

03/04/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	NC 28443	Web

02/22/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NH 03084	Web

01/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19403	Referral

12/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19403	Referral

12/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19403	Postal mail

12/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10452	Referral

12/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92307	Web	Servicemember

11/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92509	Web

11/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92307	Web	Servicemember

10/31/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	CA 92154	Web	Servicemember

10/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77530	Web	Older American

10/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Postal mail

08/28/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 49232	Referral

08/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29520	Postal mail

07/23/2018	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	GA 30034	Phone

06/27/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	NY 134XX	Web	Older American

06/07/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AK 99688	Web

06/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

05/16/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CA 92374	Web

05/01/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07024	Postal mail

04/27/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property		Phone

04/17/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92692	Web

04/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 15216	Web

04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23313	Web

04/06/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33068	Web

04/06/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33635	Web

03/23/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PR 00966	Web

03/21/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/16/2018	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	CA 91350	Postal mail

03/08/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	NY 11725	Web

03/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

02/10/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MA 02649	Web

02/09/2018	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	PA 17078	Web

01/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11550	Web

01/26/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone

01/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06492	Fax

01/24/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OR 97739	Referral

01/13/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35903	Web

01/10/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	OH 44601	Fax	Servicemember

12/23/2017	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	SC 29229	Web	Servicemember

12/06/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32137	Web	Servicemember

11/30/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 97739	Postal mail

11/20/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MN 55113	Phone

11/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04062	Web	Older American

11/10/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33635	Web

09/29/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 06812	Postal mail

08/23/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MN 55416	Web

08/22/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	CO 80122	Web

08/22/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	TN 38116	Web	Older American

08/04/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 92374	Web

07/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45206	Postal mail

07/10/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28602	Web

07/07/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 33033	Web	Servicemember

07/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Postal mail

05/26/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11207	Postal mail

05/26/2017	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 Their investigation did not fix an error on your report	TX 77433	Web

05/19/2017	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76705	Web

05/12/2017	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TX 75208	Phone

05/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR 97383	Referral

04/25/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32765	Web

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33461	Postal mail

04/20/2017	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MD 20603	Fax	Servicemember

04/06/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	ID 83858	Web

03/20/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MS 39083	Web

03/15/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	CA 93010	Web

02/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	OH 43209	Web

01/31/2017	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	NC 28262	Web

01/27/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NY 12210	Web

01/18/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IL 60651	Web

01/13/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN XXXXX	Referral	Older American

01/11/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	MD 21215	Referral

01/11/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	MD 21215	Referral

12/23/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	FL 32978	Web

12/21/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	CO 80033	Web

12/16/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	IL 62207	Web

12/09/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	AZ 85304	Web

11/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	AL 35405	Web

11/21/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	AL 35405	Web

11/04/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	AZ 85020	Referral	Servicemember

10/31/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	IN 46167	Web

10/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78751	Web

09/27/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NY 10453	Web

09/08/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	CO 80104	Web

08/25/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MO 64078	Fax

08/05/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28216	Web	Older American, Servicemember

07/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15217	Web

07/19/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 30903	Postal mail

07/17/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NV 89031	Web	Servicemember

07/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	MD 20878	Web

06/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89506	Postal mail

06/14/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	OH 44224	Phone

06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10035	Referral

06/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32301	Web

05/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TN 38134	Phone

05/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14626	Phone

05/06/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	GA 30339	Web

04/22/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MD 21133	Web

04/11/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NV 89031	Postal mail

03/29/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	XXXXX	Referral

03/18/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	FL 33157	Phone

03/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 03904	Web	Servicemember

03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 15317	Referral

03/07/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	UT 84121	Postal mail

02/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NJ 08205	Web

01/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17547	Phone	Older American, Servicemember

01/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89123	Referral

12/29/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 94611	Phone

12/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89721	Web

11/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15226	Web

11/29/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	FL 34639	Web

11/19/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MI 48026	Web

11/06/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NM 87110	Web

11/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33181	Phone

10/21/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	FL 33301	Phone

10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32696	Referral

10/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12057	Phone	Older American

09/29/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	FL 33155	Web

09/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80210	Web

09/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20809	Web

08/24/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NC 27610	Web

08/07/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OH 45429	Phone

07/27/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MI 48854	Web

07/27/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	VA 23669	Web

07/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IN 46077	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90603	Web

07/13/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NE 68137	Web

07/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AK 99508	Web

07/01/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	GA 31088	Referral

06/23/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 95824	Phone

06/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98008	Web

06/03/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MI 48234	Phone	Servicemember

05/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22030	Web

05/19/2015	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	IL 60660	Web

05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NJ 07735	Web

05/18/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NC 28273	Web

05/13/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 64063	Referral	Servicemember

05/08/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	AL 36695	Referral

04/23/2015	Yes	Debt collection Federal student loan	Communication tactics Called outside of 8am-9pm	FL 33781	Web

04/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	PA 15906	Web

04/13/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	NC 27616	Web

04/09/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	OR 97078	Web

03/20/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	KY 40601	Web

03/20/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92545	Phone	Older American

03/17/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 79336	Web

03/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34653	Web	Older American

03/04/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	CA 91331	Web

03/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	UT 84081	Web

03/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33578	Web

02/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85044	Web

02/20/2015	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	MI 48238	Phone

02/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98370	Web

02/14/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 10019	Web

02/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18042	Web

01/30/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	PA 15221	Web

01/27/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	IL 60644	Web

01/23/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	OH 44118	Web

01/23/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	TN 37763	Web

01/23/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MA 02453	Web

01/22/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MS 38751	Web

01/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10025	Referral

01/21/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	LA 71457	Web

01/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	KS 67205	Web	Servicemember

01/19/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90275	Web

01/17/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	VA 23831	Web

01/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80537	Web

01/15/2015	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	GA 30329	Web

01/08/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NM 87121	Web

12/31/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MD 20653	Web

12/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20770	Web

12/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine		Phone

12/23/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	AZ 85249	Web

12/23/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	FL 33540	Web

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20169	Web

12/22/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	OK 74055	Web

12/18/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	TX 77279	Web

12/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75234	Web	Servicemember

12/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29651	Web

12/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62208	Web

12/11/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	PA 17104	Web

12/09/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MD 20774	Web

12/06/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 27705	Web	Older American, Servicemember

12/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89122	Web

12/03/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	FL 34116	Web

12/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32216	Web

11/24/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	MI 48336	Web

11/24/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MA 01702	Web	Servicemember

11/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97231	Web

11/21/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MI 48042	Web

11/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92647	Web

11/20/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	CO 80134	Web

11/14/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	FL 33133	Web	Older American

11/14/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	IL 61103	Web

11/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85234	Web	Older American

10/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11516	Web

10/30/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 77520	Web

10/28/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CA 92614	Web

10/27/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	SC 29203	Web

10/23/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33496	Web	Older American

10/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Web	Older American, Servicemember

10/23/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	IN 46237	Web	Servicemember

10/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30153	Web

10/02/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	LA 70437	Web

10/01/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KY 40206	Web

09/25/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	MI 48371	Web	Servicemember

09/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37064	Referral

09/22/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33269	Web

09/22/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	DC 202-3	Postal mail	Servicemember

09/22/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	NH 03102	Web

09/17/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20782	Web

09/16/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MS 38637	Web

09/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44132	Web

09/04/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	FL 34321	Web

09/04/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CO 80817	Web	Servicemember

09/04/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	AZ 85628	Web

09/02/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MD 21218	Web

08/28/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MD 20902	Web

08/25/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	HI 96825	Postal mail

08/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95148	Web

08/24/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 21044	Web	Servicemember

08/20/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 90039	Web

08/19/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	FL 32606	Web

08/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29130	Web	Older American

08/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77057	Phone	Older American, Servicemember

08/14/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CA 95927	Web

08/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34610	Phone

08/08/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 34207	Web	Older American, Servicemember

08/05/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	FL 32907	Postal mail

07/25/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 90404	Web

07/21/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	OH 43201	Web

07/17/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	TX 78730	Web

07/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 94558	Web	Servicemember

06/27/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	PA 19053	Web

06/24/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NC 28401	Web

06/20/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	TX 79603	Web	Older American

06/20/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55438	Postal mail

06/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 78681	Web

06/19/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75005	Phone

06/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63366	Web

06/17/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	WI 54956	Web

06/16/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	TX 76006	Postal mail

06/16/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	GA 30062	Web

06/16/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	TX 75219	Web	Older American

06/12/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NE 68340	Web

06/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60610	Web

06/06/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 95648	Web

05/22/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	VA 24017	Web

05/16/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 94063	Web

05/15/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MO 63118	Web

05/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18940	Web

05/14/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	PA 15211	Web

05/13/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MD 20772	Web

05/06/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	IL 61523	Web	Servicemember

05/03/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92119	Web

05/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 64486	Web

04/28/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	IL 60466	Web

04/24/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20036	Web

04/21/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	MA 02647	Fax	Older American

04/21/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	FL 33160	Web

04/18/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	AL 36401	Web

04/15/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	TN 37849	Web

04/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95827	Web

04/10/2014	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	MO 63368	Web

04/07/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	PA 17322	Web	Servicemember

03/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48195	Web

03/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19150	Web	Older American, Servicemember

03/25/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	NY 11415	Web

03/24/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NY 10301	Web

03/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22046	Web

03/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89511	Web

03/17/2014	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	IL 60133	Web

03/11/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	NY 10462	Web

03/11/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MI 48103	Web	Servicemember

03/07/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92112	Web

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85296	Referral

03/03/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MS 39581	Web

02/28/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OH 45404	Phone	Older American

02/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 12345	Web

02/14/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	GA 30338	Web

02/11/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IN 46253	Web

02/10/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	IL 60104	Web

02/08/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	FL 32712	Web	Servicemember

02/08/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NE 68104	Web

02/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75244	Web

02/07/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	TX 76017	Web

02/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 72712	Web

02/04/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	TX 78745	Web

02/03/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	IL 60087	Web

02/03/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	TN 37818	Web

01/31/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	SC 29445	Web

01/30/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CO 80124	Phone

01/26/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CT 06883	Web

01/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IA 52240	Web

01/16/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MA 02333	Web

01/16/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CA 95843	Referral

01/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 93591	Phone	Older American

01/10/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	TX 75141	Web

01/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28079	Web

12/16/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	KS 67156	Web

12/12/2013	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	TX 75062	Web

12/12/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 01569	Web

12/06/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me instead of my attorney	FL 33610	Web

11/21/2013	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	CA 93744	Web

11/20/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NJ 07059	Web

11/20/2013	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	NJ 07036	Referral

11/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 13408	Referral

11/13/2013	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	CA 92115	Web	Servicemember

11/07/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NY 10462	Web

11/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23608	Web

11/05/2013	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	AL 36105	Web

10/25/2013	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	GA 30501	Web	Servicemember

10/21/2013	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	XXXXX	Web

09/25/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	SC 29803	Web

09/19/2013	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	MI 48911	Web	Older American

09/10/2013	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	CA 95361	Postal mail

09/09/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93105	Web

08/21/2013	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	NY 14818	Web	Servicemember

08/14/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60914	Web

07/28/2013	Yes	Student loan Non-federal student loan	Repaying your loan	UT 84116	Web

07/18/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	CA 92056	Web	Servicemember

06/13/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	PA 15237	Web