Consumer complaint received 2023-04-02
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
The debt collection agency had a letter from my lawyer to hold my debt because my case was pending for a car accident for XX/XX/XXXX the original accountowner who placed my account in collections first maricopa XXXX XXXX had received the same notice for me verbally and they told me that they would hold collections every six months XXXX would tell me that shes going to push my account back and reset the system not to prompt my account to go into collections until she knew that my case has been resolved well its XXXX and the case just was resolved two weeks ago. When I tracked down who was in charge of my bill after my lawyers office told me they could not get in touch with who was managing my account now as it was in collections they were given different agencies so they sent multiple letters for the last five years to the different debt collection agencies and these debt collection agencies still was reporting the debt to my credit which have been impacting my credit accumulatively since XXXX I reached out to the agency in question two weeks ago i communicated I wanted to settle the account and I told them that the amount that they wanted was too high I wanted toNegotiate a settlement amount of {$300.00} because XXXX ambulance had gotten a payment from my insurance company back in XXXX I no longer have that insurance provider when I told him I wanted to negotiate a lower amount they told me that another company had management over it name XXXX. I called XXXX prior to calling the NRA XXXX Is the company who actually told me that XXXX now had my debt. They told me that the NRA debt collection agency is home I need to speak to you directly. I spoke to XXXX at the NRA and he was rude and had disconnected the call on the line I did not raise my voice at him I did not provoke him to behave that way but he wanted to be like that for no apparent reason I called back since XXXX told me too and ask for a manager the person put me on hold and gave me XXXX again who was still rude I called XXXX back again and they connected the car on a three-way call with the NRA and they asked for a manager and the person lied and said they were a manager they hung up the phone and I was now on the line with the NRA agent who told me that her manager was standing next to her telling me I had to pay a higher price than the {$300.00} settlement that I said I would pay I later found out his name is XXXX XXXX told me that he was going to directly contact XXXX  because they were wrong about being the account manager and then he would get back to me about my account he didnt have a timeframe but while I was on the call I realize that they have been reporting things to my credit because he said when I pay off the debt theres submit a letter to my credit report and I was thinking there shouldnt be a letter that needs to be presented to the credit report because I never shouldve been in collections in the first place because all parties received a letter from my lawyer even when I called NRA they still had my lawyers address on file as a point of contact.This is why I am filing the complaint everyone knew it was a medical bill everyone knew that my lawyer was the oversee year of my medical bill and when my lawyer tried to contact NRA they gave them the run around just like they gave me by telling them to go back to XXXX back-and-forth back-and-forth Will be submitting individual complaints for all the debt collection agencies who received a letter from my lawyer stating I had a pending case because the point of this letter is to be compliant with the federal credit reporting act to let billing companies know that they would get a deferred payment on a undisclosed day when the case is one and they still have been impacting my credit I got another notification from XXXX today that I have a debt collection only this company who spoke to me only a week and two weeks ago is harming my credit they already spoke to me they already know that Im supposed to be negotiating a settlement it does not make any sense that they would still beHitting my credit with a notification it is deliberate because they are in touch with me I have given them my updated address and phone number and email address and they are still reporting me to the credit bureau when a supervisor. Said he would help me with settling in the account at this point it shouldnt be in anybodys queue to be reporting my bill to a credit bureau. They had just became the newest debt firm.only In XXXX so the letter from the lawyer was sent to XXXX XXXX. But NRA told me they were under contract by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation