Consumer complaint received 2023-06-11
Company: National Enterprise Systems, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute the validity of the debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that National Enterprise Systems provide me with the following information and documentation to validate the alleged debt : 1. Original Creditor Information : Please provide the name and contact details of the original creditor, including their address, phone number, and account number associated with the debt.

2. Detailed Account Statement : I request a complete and detailed account statement, outlining the original amount owed, any interest or fees applied, and a breakdown of any payments made towards the debt. This statement should clearly identify the nature and origin of each charge. 

3. Proof of Ownership and Chain of Title : Kindly provide documentation that establishes National Enterprise Systems as the rightful owner of the debt, demonstrating a valid assignment or transfer from the original creditor. This should include a complete chain of title, including all relevant documents substantiating the transfer or assignment.

4. Verification of License and Compliance : I request proof that National Enterprise Systems is licensed to collect debts in Maryland and is compliant with all applicable federal and state laws governing debt collection practices. This should include the agency 's license number, the date of issuance, and any relevant certifications. 

5. Agreement and Contract : Please provide a copy of the original agreement or contract that created the alleged debt. This document should contain my signature and clearly establish the terms and conditions of the debt. 

6. Documentation of Communication : I request copies of all written and electronic communication related to the alleged debt, including letters, emails, text messages, and recorded phone calls. This will enable me to verify the accuracy and legality of the information provided by National Enterprise Systems. 

7. Proof of Validation Period : Please provide evidence that National Enterprise Systems initiated collection activities within the appropriate validation period as outlined by the FDCPA. This will help ensure that my rights as a consumer are upheld.

8. Proof of Statute of Limitations : If the alleged debt is subject to a statute of limitations, I request documentation that confirms whether the debt is time-barred. This includes information about the last activity date, the relevant statute of limitations for the type of debt, and any tolling events that may have occurred. 

I would like to emphasize that until the requested information and documentation are provided, National Enterprise Systems should immediately cease all collection activities related to the alleged debt, as mandated by the FDCPA. 

Please ensure that all communication and correspondence related to this matter is directed to my address provided above. I expect a timely response within 30 days of receiving this letter. Failure to comply with this request may result in a formal complaint filed with the appropriate regulatory authorities and may also lead to legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information to resolve this dispute in a fair and equitable manner. 

Sincerely, 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