Good Morning Everyone!
For those of you who have collection(s) from National Recovery Agency, who have repeatedly told me that they do not do PFDs, and you are having issues with negotiations, I wanted to share with you that I was able to dispute the validity of the debt through the BBB. The reason I took this route is because I had sent them a letter for debt verification CMRRR. I received a letter back from them, however, it was a generic response that provided no proof that I actually own the debt. Not only that, they had also put in the letter that "since I am disputing the debt, they will make a notation on the account with the CRAs stating that." It was not a dispute that I had sent, it was a debt verification. Needless to say, this had me a bit irritated so I decided to contact the BBB. Below is how I went about it.
Complaint sent to BBB 8/10/12
Recently I have tried to obtain a mortgage loan. I was denied due to a collection on my credit report from National Recovery Agency in Harrisburg, PA. I never received a dunning letter from this agency prior to them reporting to the credit bureaus. I sent them a debt validation letter, to which I received a very basic response that still doesn't prove that the debt is mine. I can't contact the original creditor to which I allegedly owed this debt because they are no longer in business. I do not believe I owe this debt and the methods of which I have tried to get validation (phone call and debt validation letter sent) have not proven that I owe this debt. As a consumer, I feel that this agency at least owes me the consideration of showing solid proof that the alleged debt is mine. I appreciate any assistance you may offer in reference to this matter.
Initial response from BBB 8/11/12
Thank you for submitting your complaint to us.
The BBB that will process your complaint is:
- BBB serving Metro Washington DC & Eastern Pennsylvania
You will hear from this BBB soon regarding your complaint.
Second response from BBB 8/13/12
Dear xxxxxxxx:
This message is in regard to your complaint submitted on 8/11/2012 10:41:42 AM against NRA Group LLC. Your complaint was assigned ID xxxxxxx.
Your complaint has been sent to the business for their response. Once they have responded to the BBB, we will contact you again. In the meantime, if the business resolves your complaint, please send us a message to inform us.
Regards,
xxxxxxxxxxx
The Better Business Bureau
Third response from BBB 8/15/12
Dear xxxxxxxxx:
This message is in regard to your complaint submitted on 8/11/2012 10:41:42 AM against NRA Group LLC. Your complaint was assigned ID xxxxxxx.
The business has sent the BBB a message regarding this complaint, and we are passing it on to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days.
Regards,
xxxxxxxxxxx
The Better Business Bureau
MESSAGE FROM BUSINESS:
Dear xxxxxxx,
Our office is in receipt of your correspondence dated August 11, 2012 regarding the above-referenced complaint. In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor. Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm.
We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information. Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Should you have any questions regarding this matter, please feel free to contact our office.
Sincerely,
xxxxxxxxxxx, Esquire
Corporate Counsel
So, if all else fails, you can always open a complaint with the BBB as a last resort to resolve a debt for which you cannot get proper validation. I think I read on here a while back that someone had success with this method with this very collection company. Just thought I'd pass along the advice 