Consumer complaint received 2019-06-25
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am continually getting calls and emails regarding loans that I have never taken out. 

Here are some examples : Re : unpaid loan account XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX As of now, the total outstanding balance is {$990.00} which includes the original loan amount, interest, administrative charges, penalty, and tax. 

And so far no payment has been made on behalf of this loan account. 



As a courtesy, We are providing a one-time settlement offer of {$450.00}. If you make a one-time payment of {$450.00} by today XX/XX/XXXX, We will mark this account as paid in full. 

Please be advised that the offer is a limited time offer and may not be applicable at a later date. 

Let us know whether would you like to opt for a onetime settlement offer or payment arrangement? 
XXXX Dear Customer, This notice is regarding your unpaid loan account XXXX # XXXX of {$400.00} which you had taken from the company XXXX XXXX XXXX which has now gone up to {$990.00} it includes the late fee, penalty charges, tax, etc. 

Note : This is your last and final opportunity to resolve this case out of the courthouse. 

The company is ready to provide you a settlement offer or you can also make payment arrangement according to your financial needs. 

We would like to remind you that the company had already submitted all the related document of your loan account in the courthouse for the further proceedings but we had requested the court to put your case on hold and wanted to know your last and final intention regarding this extremely time sensitive issue. 

Kindly get back to us ASAP and let us know your clear intention regarding your case. 
XXXX Legal Collection Department   XXXX To : XXXX 1 FileXXXX.4kB PDF121kB PDF NCC_Invoice_XXXX  XXXX.pdf Download XXXX XXXX, This is regarding a loan which was applied under your email address and SSN through XXXX XXXX in XX/XX/XXXX. Attached is the invoice pertaining to this account. Kindly have a look and update us with your intentions so that we can proceed accordingly. 

This loan was taken out under your name. If you don't want to take responsibility of the repayment of this loan then we have no option other than seeking legal help to resolve this account. If you think this is a case of identity theft then you can put your claim with proof in the courthouse. 

Kindly update us with your clear intentions regarding this account so that we can proceed accordingly. 


Thank You ____________________________________________________________________ On Monday, XX/XX/XXXX, XXXX XXXX MST, XXXX wrote : XX/XX/XXXX Case File No : XXXX NAME : XXXX XXXX SSN : XXXX PAST DUE AMOUNT - XXXX SETTLEMENT AMOUNT FOR TODAY OF XXXX Your case file # XXXX is handling by LEGAL DEPARTMENT OF National Credit Collections XXXX 

This is in reference to your Case File # XXXX with National Credit Collections in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 
Your account with National Credit Collections is in Final Collections. According to our records, your outstanding balance was XXXX. 

It may be possible that you may have some financial hardship with you. 
So, we are just giving you a last chance that if you just make a payment of XXXX by Today then we will close this account as paid in full with XXXX balance. 
Do revert back if you want to get rid of these legal consequences and want to make payments or else the case will be downloaded against you. 

The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

Thank You National Credit Collections XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation