Consumer complaint received 2023-10-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the third time I filed with the CFPB over this debt after disputing it on my credit several times. After today I will be pursuing full compensation in the court of law as now that I have the ledger proving everything that I was saying after asking for it for over a year was completely true and they were completely wrong in charging me what they were charging me and this company has no clue what they're doing because have they just glanced at this ledger one time it would have been obvious. My assumption is that's why it took so long for them to get this to me and they're just assuming that I'm going to overlook it. The ledger has notes on it starting from the last page working up in chronological order from one through eight when I could have stopped at the very first note proving that something was incorrect automatically meaning everything above it was incorrect but I went ahead and went through the entire ledger and went step-by-step showing how every debt total amount at the end of every month was incorrect, that I was not being charged interest according to the ledger the entire time, that I was not ever past due any amount as reflected on the ledger, and that my account was put into collections the month after making my last payment so how it was willing to collections within three and a half weeks of a payment makes no sense when all the months prior all those payments were made as well. The entire ledger is off and it's honestly an embarrassment. It should have been off my account long ago but instead it's costing me thousands of dollars in interest fees that I'm paying everywhere else just because of them trying to line their pockets with someone else 's money that's not theirs and never was. The last time which would have been the second time I filed it was closed by the CFPB after they gave them an extension and of course since it was closed they decided to never get back to me and never give me anything information and just assumed I guess I would just leave it at that but it didn't so I filed again and here we are now that they finally hand over the information I can prove that they're wrong and that's what I'm going to do. I need this removed off of all my credit immediately up on receiving this or I will absolutely be filing with with XXXX XXXX, My attorneys to receive all in every possible amount they could possibly dig up due to being treated the way I've been treated throughout this process. I'm merely going to match that energy. In fact this will be removed off my credit or I'll be filing with them in scenario 1 in scenario 2 I have it removed from my credit and I still because of all the interest amounts I've been charged this entire time because of this being on my credit I'm still going to follow lawsuit and I'm still going to receive that money for improperly being held against me when it never should have been well I had attempted and reached out multiple times with a lengthy paper trail to show the exact same thing that I just said. Either way I'm going to be filling a lawsuit after this. I've had it with being robbed by these people just because they can put some numbers down on the paper and then just turn their eyes and wait for you to just walk away. I'm done walking away.

Company response to consumer: Closed with explanation