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Regular Contributor
dwarfess
Posts: 149
Registered: ‎11-03-2007
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National Credit Adjusters - FTC & AG Complaint submitted

[ Edited ]
I thought some of you might enjoy reading the complaint I just filed with the Washington State Attorney General, FTC, BBB Kansas:

 
National Credit Adjusters LLC is not a licensed collection agency in Washington State.

The alleged debt was disputed and validation requested within 30 days of receipt of National Credit Adjusters collection notice dated 09/12/07.  Reference USPS Certified Mail, Return Receipt Requested, Tracking Numbers 70071490000330574033 and 70071490000330574064.

National Credit Adjusters LLC illegally resumed its' collection activities in February 2008 by reporting the alleged debt to TransUnion without providing validation.

National Credit Adjusters LLC has not provided the name and address of the original creditor as requested in the above referenced dispute letters dated 10/09/07.

National Credit Adjusters LLC misrepresented and incorrectly reported the name of the Original Creditor.  In its collection notice dated 09/12/07, National Credit Adjusters identified the original creditor using the term "No-Faxing-Payday-Loan" rather than providing the name of the
original creditor.  In its reporting to TransUnion, National Credit Adjusters again identified the original creditor using the term "No Faxing Payday Loan Com" rather than providing the name of the original creditor.
 
National Credit Adjusters LLC has not provided proof that the alleged debt is owned by or assigned to National Credit Adjusters.  Proof of ownership and/or assignment of the alleged debt was requested in the above referenced dispute letters dated October 9, 2007.

National Credit Adjusters LLC disclosed and allowed public access to my Social Security Number by using my federal social security number as the account number reference when it transmitted data to TransUnion in February 2008.

National Credit Adjusters LLC disclosed and allowed public access to my Social Security Number by using my federal social security number as the account number reference in its written coorespondence dated 09/12/07 sent via regular USPS mail.

National Credit Adjusters is also doing business as International Financial Services, Inc.

National Credit Adjusters is also doing business as International Homes & Financial Services.

National Credit Adjusters LLC is misrepresenting its contact information.  National Credit Adjusters used the addresses of International Financial Services - P.O. Box 550, Hutchinson, KS 67504 when reporting its contact information to TransUnion in February 2008.  The contact address National Credit Adjusters provided to me in their 09/12/07 written communication is P.O. Box 3023, Hutchinson, KS 67504.  The contact address registered with the Better Business Bureau is 300 N Madison St., Hutchinson, KS 67501.

The contact telephone number 620-665-7708 National Credit Adjusters reported to TransUnion is answered by International Homes & Financial Services.

To resolve this complaint, I am seeking the following:
Complete deletion of this alleged debt from my credit files.  Copy of letters from National Credit Adjusters to the Credit Reporting Bureaus (TransUnion, Experian and Equifax) requesting immediate deletion of this alleged debt from my credit files.

Letter from National Credit Adjusters acknowledging that they are unable to validate this alleged debt. 

Letter from National Credit Adjusters agreeing that they will not disclose my non-public personal information with affiliates or other third parties.

Complete purge of my personal information from the files of National Credit Adjusters, their affiliates, partners, third parties who performed services on their behalf and those with who they have a joint marketing agreement or those who assisted in maintaining my account.


Message Edited by dwarfess on 02-13-2008 02:33 AM
New Contributor
teamllovern
Posts: 72
Registered: ‎01-12-2008
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Re: National Credit Adjusters - FTC & AG Complaint submitted

Nice!!
I'm a homeowner! Woop woop-
Moderator Emeritus
masdeocho
Posts: 2,050
Registered: ‎04-17-2007
0

Re: National Credit Adjusters - FTC & AG Complaint submitted

Woo hoo!!!  Go get 'em!
 
Keep us posted!  You won't receive a personal reply from the FTC, but if enough people complain about the same company they may investigate.
 
 
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Frequent Contributor
bott6698
Posts: 491
Registered: ‎06-26-2007
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Re: National Credit Adjusters - FTC & AG Complaint submitted

Wow, Someobody knows their stuff
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Established Contributor
orhippychic
Posts: 562
Registered: ‎08-16-2007
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Re: National Credit Adjusters - FTC & AG Complaint submitted

I've been really nervous about reporting to AG and FTC for some reason. This letter gave me a nice template to work off of and now I just might do it!!
09/28/07 EQ 498 EX 537 TU 477
12/27/07 EQ 526 EX 562 TU 541
02/26/08 EQ 526 EX 589 TU 579
11/09/08 EQ 562 EX 648 TU 578
Regular Contributor
dwarfess
Posts: 149
Registered: ‎11-03-2007
0

Re: National Credit Adjusters - FTC & AG Complaint submitted

[ Edited ]
No need to quote laws, statutes, violations, etc...as this just wastes space and these are the folks who determine what violations were made and what actions to take.  For example, the BBB had so many complaints about ER Solutions last year that they revoked their membership in Washington.
 
The Washington AG online complaint allows 7000 characters, FTC allows 2000 and the BBB allows 4000.  Thus, you'll need to edit for each agency or breakup your complaint into 2 or more separate complaints.  Use MS Word to compose the body of the complaint (to get an accurate character count), then just copy/paste into their online complaint form. 
 


Message Edited by dwarfess on 02-12-2008 01:42 PM
New Visitor
kibber
Posts: 1
Registered: ‎04-07-2009
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Re: National Credit Adjusters - FTC & AG Complaint submitted

This was very helpful, thank you. I bookmarked this page for future reference. This company recently showed up on my credit report and I had no idea what it was for. I started researching National Credit Adjusters, none of the information about them was very nice. I have never been contacted by them, have never used a payday loan place, and consistently pay all my debts, on time. I am not sure what is going on, but I plan on doing everything I can to correct it. Because of them, one of my creditcards went from a $4000 limit to $100, and I didn't even owe anything on the card, it had a Zero Balance! It's wrecking my credit score.
New Visitor
Rocc
Posts: 1
Registered: ‎06-18-2009
0

Re: National Credit Adjusters - FTC & AG Complaint submitted

I also filed a complaint about National Credit Adjusters with the FTC this morning.  They keep calling my work and harrassing me.  I have requested that they stop calling my work but, they call every day.  Now, I just say don't call this number and hang up on them.  They have not even tried calling my home or sent any documentation to me.  So I went on-line and filed a formal complaint against them and the FTC assigned it a case number.  Let's see what happens.  Meanwhile, I will just keep telling them not to call my work, keep track of the dates, and hang up on them. 

Established Member
kalel
Posts: 10
Registered: ‎10-19-2007
0

Re: National Credit Adjusters - FTC & AG Complaint submitted

where do i file with the ftc? i really want to do that.  If you can guide me that would be great thanks
Mega Contributor
RobertEG
Posts: 18,463
Registered: ‎03-19-2007
0

Re: National Credit Adjusters - FTC & AG Complaint submitted

Federal Trade Commission

Bureau of Consumer Protection

Div. of Enforcement

600 PA. Ave.

NW Washington, D.C. 20580

 


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