Consumer complaint received 2019-03-29
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To Consumer Financial Protection Bureau Federal Trade Commission State Attorney General of Delaware RE : # XXXX - {$140.00} National Recovery Agency Please be aware that I am filing a complaint due to the violation of the FDPCA laws. A payment was made directly to XXXX XXXX XXXX in the amount of {$110.00} on XX/XX/XXXX and the balance of {$35.00} was paid directly to XXXX XXXX XXXX office. I have attempted several times to get National Recovery to delete the  negative credit reporting even though proof of payment has been provided to them. I have contacted XXXX XXXX XXXX as well and have never received a call back. My doctors office has also attempted to intervene with no success as they any longer deal with XXXX XXXX XXXX in regards to their billings. 
In XX/XX/XXXX I had spoken to a XXXX at NRA and sent him the copy of the bank statement and verified that he received it. At that he reassured me that this will be taken care of, three years later they are still reporting it on my credit file for all three bureaus. 
I have called them several times and always end up requesting a supervisor which has proven to be pointless. So on XX/XX/XXXX I received my XXXX XXXX report and there they are like a red light special on a cold summer night still reporting the {$140.00}. So I called and the first representative disconnected the call stating that their department could not match the amounts off to what was owed so if I sent you proof of payment {$110.00} minus {$140.00} which the actual statement included is {$140.00} that leaves a balance of {$35.00} which again was paid to the doctors office directly. So the credit reports have never been updated not even reflecting a payment which means no one at this agency is doing their job. So I placed a second call again after the first representative hung up on me and asked for a supervisor, the call was taken by a Mr. XXXX who then proceeds to tell me that he can not advise me on what documentation is needed and to send in what I feel is helpful. REALLY!!! He then proceeded to tell me that XXXX   XXXX XXXX has never contacted them to verify anything so I than became upset and said that is your job to do not theirs if I have provided you with documentation you should take the stance to verify with the company that paid you to collect on this debt rather than telling me so said to bad it is not our problem. So as I become more upset I was then told by Mr. XXXX that I can vent and get upset or send any documents that I feel will help. So at one point the line become silent which means he placed me on MUTE so at some point I became quiet and Mr. XXXX most have assumed that I was off the phone and he began to spoke to the rep that transferred the call not knowing that I was still on the phone listening to every word he said. He began to tell the rep that the department that looked at the documentation stated that the amounts do not match again in the early part of this letter I did state that the {$35.00} was for a no show charge and was paid directly to the doctors office but thats not even the issue it is crazy how they never updated the bureaus at all and we are now in XX/XX/XXXX. So I stayed on the line and Mr. XXXX than proceeded to say to the rep the consumer which is me does not believe that they have contacted the client which again they did not!!! So he then makes an amazing statement which is why I truly believe these collection companies think they have XXXX hands to ruin someones credit his statement was I dont believe them any way when they are talking WOW so I than began to speak and I said Thank you for that statement Mr. XXXX now I am going to hand you youre XXXX XXXX XXXX!! Because I have proof that this account is paid in Full. 
So I am looking to do the following : 1. Get this negative credit reporting removed from my credit file 2. Seek damages for them violating the FDPCA law 3. Make NRA aware that they have reps and team leaders that dont believe a consumer has paid off a debt and has given them sufficient documentation to prove such. 


My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX De XXXX I am providing all necessary documentation to your agencies as well. 
b/c National Recovery Agency

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