Niagara Restitution Service Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/01/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77469	Web
I received a voicemail from Niagara Restitution Service at the end of XX/XX/XXXX. I was contacted by someone named XXXX. The voicemail stated that I was going to be prosecuted for writing bad checks.I called the number she had left and was told that I was going to be sent to court for writing bad checks. I explained that I never wrote a bad check and she stated that there was a loan open with XXXX XXXX XXXX and I had stopped paying on it. I explained that my father just had a XXXX on the XXXX of XXXX and had spent most of the month in the hospital. I explained that I had a lot going on over the past few months and did not want to have any legal issues. I was told by XXXX that it could resolved for less than what I owed and they needed my debit number and amount. Had I known this was illegal I would have never given my information. I explained that I get paid on the XXXX and XXXX. XXXX stated that they would email me the docusign. I gave her my email address to sign the document. After not receiving anything for several days, I contacted XXXX on XX/XX/XXXX. I asked what kind of company this was because I never received anything. XXXX proceeded to tell me the document had already been sent and that I was lying. I gave her an alternative email to try and send it to and still received nothing. After going back and forth several times and getting frustrated I told her that I thought this was a scam, as to why I wasn't receiving anything. I finally received the documents and let her know to which she again told me it was very convenient that I had now gotten them. Upon looking over the agreement, I noticed that the pay dates were not what I had told her. I called back and told her it needed to be corrected to which she then threatened me several times saying I did not want to pay and could just go to court. She then stated that I did not have the money to pay and hung up. I called back and stated that she was threatening me because I was trying to get this taken care of even though I had given her all of the information. She hung up again refusing to work with me. I called back and asked to be transferred to someone else to which she refused. The corrected document was sent to me and I refused to sign after that interaction. I was never sent any written notice from this company and did not know that the practices they were using were illegal. I have not signed the docusign to date ( XX/XX/XXXX ) and continue receiving daily emails reminding me to sign. They have so far debited {$400.00} ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) from my checking account with no contract in place or having ever sending me any information to verify the debt. I only recently found out these practices were illegal after looking up debt collection laws. I will be requesting my bank stop any future payments from this company and will send a written request to the bank as well. I will also be contacting the company to request they stop debiting my account and to verify proof of the debt in writing. I will then follow up with them as well via a written letter. I have never felt so threatened and violated by a company before in an already hard time. They are absolutely terrible people and need to be shut down.
12/03/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	FL 33027	Web
On XXXX/XXXX/15, I received multiple call from a XXXX XXXX representing Evan and Associates telephone numbers XXXX and XXXX. XXXX XXXX requested that I verify the last XXXX digits of my social and dated of birth. Due to the increase in fraud, I requested the full name of the company and the address. She provided the name Evan and Associates but refused on multiple occasions to provide and address and corporate number in order verify it was a true company. She stated that the call was being recorded on a federally recorded line and that she would notate my refusal to pay. I advised her I was not refusing anything ; I wanted verification of the companies ' existence. On XXXX/XXXX/15, I received a second call from XXXX XXXX who informed me that this was my last opportunity to resolve the matter before I would be subpoenaed at my place of employment. She again refused to verify any of the company information and I refused to verify if the information she had was mine. She then stated I would be served at work, to make sure I had XXXX forms of ID and a witness for my signature. Within XXXX minute my brother contacted me and stated that an Investigator named XXXX XXXX contacted him and that they were attempting to contact me for committing fraud. I contacted the number at XXXX and was transferred to a Fraud division, and spoke to XXXX. She again advised that this was my last opportunity to resolve the matter or I would be served and she can only place a temporary stop order for XXXX hour. Again, I asked for the full company name and address ; she advised it was Evans and Associates at XXXX XXXX XXXX, FL but would not repeat the Suite number. She was very rude and spoke quickly. During my conversation with XXXX, she kept making contact with a man named XXXX, stating he can proceed with serving me at work, gave him my full name and additional personal information. She then stated the documents were filed with the XXXX XXXX XXXX XXXX. That my license was suspended for fraud and that charges were being brought against me. She provided my tag number and me with the type of vehicle I drove and stated that it would be all suspended and I would be driving with a suspended license and vehicle tag.
02/28/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75662	Web
I got a payday loan with XXXX XXXX XXXX back in XXXX or XXXX of 2016 - I could not make my payments due to me losing my job. Well, recently they started calling my 6 month XXXX sister ( XXXX at XXXX XXXX ) and telling her she was going to press charges against me for some " bad checks ''. ( I have never written a bad check ). I had numerous numbers call me ( # 1. XXXX - called 9 times today- ( # 2. XXXX - called twice today ( # 3XXXX - Called me 6 times yesterday ( 4. XXXX - called twice yesterday ( # 4XXXX - called 3 times yesterday ) I called XXXX and spoke to her and besides the fact that the was very rude, she tells me I have a balance due and I have to pay something on it today, if not my paperwork will be sent in for " civil proceedings '' and I would go to jail, all while my children were in the car listening to this conversation ( which is why I tried to explain to her what the situation was ). I did explain to her that the reason I had not paid it was bc I lost my job that time and could not pay anything. I now have medical bills arising for something I was diagnosed with last month and I can not pay the balance and she refused that I I told her I can make a payment on Friday and she said I have to pay today. She said to find someone who will let me borrow the money, so I told her I would call her back so I can speak to someone who would lend me the money - She got upset and said that that was the problem, that I needed to pay then. I told her I would need to let my boyfriend know what was going on and she hung up on me. I ended up calling my boyfriend ( who is a XXXX XXXXXXXX in town ) and he told me not to verify or give any bank/card information. So, I call XXXX back and tell her I had just spoke to my boyfriend, who is a XXXX XXXXXXXX, and he told me not to give out any personal information until I knew who these people were and before I could get another word out, she said she did not care if who he was and right when I was going to say something, she hung up on me ( she said hanging up was noted as " refusal '' ). I'm at a standstill because I don't want to go to jail for a payday loan and I can't get anything done with these people
07/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78741	Web
I am contacting you on behalf of my son. He suffers from severe XXXX health issues. Therefore I will be his advocate. He was contacted by XXXX XXXX regarding a payday loan from XXXX XXXX Texas. He missed one payment, so someone called him from XXXX on XX/XX/2022. They told him he would face jail time because he bounced a check across the state lines. I called the same number to talk to the rep, and the man was very hostile to me. He refused to tell me his name or give me an address. I hung up with him and called the number on the website. By the way, there are two websites one has a misspelled name, but both have the same number. I spoke to a woman named XXXXXXXX XXXX XXXX XXXX XXXX. I let her know about our exchange with the other rep. I wanted to help my son, so I paid the rest of the so-called debt. I was promised by XXXX that I would get a receipt the next day, but nothing came across my email. I called the next day again, and the rep that answered said it would be 90 days for me to get a payment confirmation. Since then, my card has had two fraudulent charges on it and still no receipt of payment. This company, I feel, is not abiding by the laws set by the fair trade commission and should be looked into. Just look at the XXXX reports. http : //niagararestitutionservice.com/. Others have been threatened by them.
04/25/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	LA 70005	Web
Sometime in late XXXX of XXXX I received a call from XXXX XXXX wit h Niagara Restitution Service loc ated in XXXX , NY. XXXX stated that XXXX had referred my unpaid loan t o Niagara Restitution fo r collection and that XXXX wished to press criminal charges against me if I did not repay the loan. XXXX told me tha t Niagara Restitution would proceed with filing charges in XXXX XXXX XXXX XXXX if I did not not pay immediately. I was terrified so I agreed to make payments of {$160.00} every two week s until paid off. At the time, I did not know that I could not be prosecuted for an unpaid loan. After doing some research, however, I discovered that the Fair Debt Collection Practices Act does not allow de bt collectors to threaten ar rest for unpaid debts. Also t he State of Louisiana does not allow prosecution for unpaid loans. After learning this, I stopped my payments to Niagara Restitution. I struggled to pay this debt for almost four months becau se I have an elderly parent to care for. If I was in jail I would not have the means to bond out and my elderly father would have no one to care for him.
09/12/2018	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	MI 48315	Web
I recieved a call from XXXX XXXX at work on XX/XX/XXXX about monies owed for XXXX XXXX I needed to pay or i will be sued. I explained I was closing on my home on XX/XX/XXXX I would pay the debt at that time. On XX/XX/XXXX XXXX XXXX called back. I called him back to settle the payment on XXXX. The payment was declined by my bank for fraudulent activity. They tried to withdraw XXXX 8 times that day. My bank canceled the card. I then started recieving threatening calls from various numbers. At this time XXXX started threatening me that a summons was being issued and I was going to be arrested at my home or place of employment and that my drivers license was being suspended. This company goes by Niagara restitution. I called purchasing power they sold the debt to a different company not Niagra Restitution. Everytime I call back regardless the number they called me on, the same person answers no secretary or automated recording. They call me every hour harassing me. This particular debt isn't on my credit report. My husband asked XXXX for a debt verification letter and she is supposed to be sending one.
06/27/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	LA 700XX	Web
On XXXX/XXXX/XXXX XXXX XXXX left a voice mail on my cell phone stating that criminal charges had been issued under my name and social security number, along with the request to suspend my driver 's license and any other professional license 's I might have. She also said that I would be served with papers on XXXX/XXXX/XXXX. She left a phone number ( XXXX ) to call her back but never stated what company she was calling from. I returned the call and she denied the fact that she said these things. I asked what company she was calling from and she told me Niagara Restitution Services but would not give me a physical address. I hung up with her and called her on another phone line and played the voice message back to her over the phone. She then got very rude as she had been caught in a lie. I have the voice mail and will save it.
03/21/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	LA 70517	Web
Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.
11/30/2022	No	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	OH 45014	Web
I got a call from my employer that XXXX XXXX called stating I was in trouble and to avoid having sheriffs come to work to XXXX me they needed information about me. My supervisor did not give the lady info but called me. So I called and she was extremely rude and said I needed to pay her XXXX right now or she would send it to legal and garnish my wages. I kept asking her for more information and that was making her very angry. She did not want to me to call and verify anything and because I wanted to verify some information before continuing the conversation she screamed at me that I had a XXXX past and she was pushing it through to legal. It was for a credit card for {$300.00} from XXXX XXXX.
11/26/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	VA 24019	Web
I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative.
01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80124	Web
Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.
11/02/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	AL XXXXX	Web
Received call today from Niagra Restitution Services ( XXXX ) XXXX they are harassing with repetitious calls and hang up about a payday loan with XXXX XXXX XXXX from XXXX estimated date given XXXX and XXXX explaining I never received these funds, I didnt leave at address given, IP address for computer and threaten to take my driving license. I told them I will follow up with my bank I didnt receive it and Ive had identity theft, police report and reported to Federal Trade Commission. They are still harassing and I would like calls stop.
02/02/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 90220	Web
Received a call from NRS saying I owe a debt to their client if not paid then they continue with garishment and other legal action against me. I was persistent that I do n't know where the debt came from and I did n't take any long out. I also mentioned that I will have my lawyer to contact them but they keep calling me
09/22/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KY 402XX	Web
On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.
09/11/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 95628	Web
Debt Collector contacted a Family member at the referenced number and stated were serving me with summons for a debt owed. This was after they were told the number was not mine ( third party disclosure ).
08/16/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75043	Web
Niagara Restitution Service ( NRS ) contacted me at my work phone number then contacted my supervisor and told them they were a process server and then told me that they would garnish my pay.
10/27/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78724	Web
XXXX/XXXX/XXXX XXXX XXXX with with XXXX XXXX XXXX threatens to sue and suspend license for unknown debt.
01/29/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 08037	Referral

05/23/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78046	Web

04/01/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 75401	Web

02/28/2018	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	TX 75901	Web

10/10/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KY 40175	Web	Older American, Servicemember

07/26/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KY 40117	Web	Servicemember

07/21/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	KY 40117	Web	Servicemember

02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33127	Phone	Servicemember

02/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43302	Web

12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37914	Web

11/03/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	WI 53555	Web