Consumer complaint received 2015-04-16
Company: National Credit Adjusters, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call on XXXX XXXX from a company called National Credit Adjustors, they are a company out of XXXX, Kansas. Although when they XXXX called ( my cell phone ), it was from what appeared to be a local phone call ( XXXX, Oklahoma-which is where I live ). The number that came through was XXXX. Since I did not know the number, I did not answer it. They left no message, however they called my home phone as well. I was a little worried thinking maybe someone in the family may need our assistance, so I called the phone number back from my home #. When they answered they replied with " National Credit Adjustors '', ( when I googled them I got their actual phone # which is XXXX ) they asked for my name and phone number so that they could identify me, so I complied. They proceeded to tell me that " this is an attempt to collect a debt ( and so on ) ''. They stated that I had XXXX accounts with their office from 2010. These were pay day loans. To my knowledge, these were paid off years ago. However, because of that I have no proof. ( Now I did n't tell them that ). They went on to say XXXX loan was from a company called XXXX in the amount of {$1000.00}. The other is from a company called XXXX XXXX XXXX XXXX XXXX in the amount of {$130.00}. I told them I was not sure that I actually owed this amount. She told me that they have sent me XXXX letters, to which I have never received XXXX single letter from them. I asked that they send a letter with original creditors and the amount so that I can research. I did get those letters on the XXXX of XXXX ( attached ). XXXX the phone I XXXX asked them if they could fax to me so that I could get sooner her response was " why ca n't we send them to your house, what is wrong with that, we are in Kansas, you will get the letters in XXXX days!! '' ( IN A VERY HATEFUL TONE ). She finally said that she would and I gave her the fax number, as I was trying to ask another question, she hung up on me. As I mentioned, I did get those letters, they did not come from Kansas, but from California. The day that I received them, I sent them a request for validation, which is the standard for letter that 's sent to debt collectors. ( attached ). I sent this as an email and only got XXXX reply which was for the larger debt amount. ( attached ). Now there are a couple of things that concern me 1 ) I asked for 30 days to research, according to their response, they only game me 20 days to research. 2 ) The only information that they could provide me was the same exact information that they gave me in the verification letters which I received on the XXXX. I had asked for the following :. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; original signed contract Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActXXXX ) continued. ( SEE ATT PDF FOR FULL COMPLAINT )

Company response to consumer: Closed with explanation