Consumer complaint received 2023-05-30
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The prompts on this site were not inclusive of all of the issues that have occurred with this supposed debt collection agency. I have received multiple phone calls from a place claiming to be called National Credit Adjusters. I do not have any voicemails from this entity or any written correspondences such as letters or emails. Claims were made that they could not email me and could not leave voicemails because they hadnt spoken with me, but this is not true as that is within their capacity to do. When I called, every employee I spoke to refused to give information without me providing personal details such as DOB, social, address etc. I asked several people several times for a way to verify that this was a legitimate business and not scam calls. Every single employee I spoke with refused to give me any information to help me verify that they are a legitimate business. One person, possibly named XXXX, even stated that she didnt know how she could help me verify that theyre legitimate and told me to XXXX it if I wanted to, but refused to give any further information to verify the legitimacy of the company. I also have nothing on my credit report to indicate that there has been a collection implemented against me. All of this suggests that they are either intentionally violating the law by withholding information or by running a scam. Two people, one named XXXX and one again possibly named XXXX, provided and address and birthdate for me, which is sensitive information I may not have known had I been calling fraudulently, yet told me they can not give me sensitive information. When I questioned a manager called XXXX on why they would give me sensitive information while telling me they can not give me sensitive information, he repeatedly contradicted himself by saying that they can see and give that information because of my phone number, yet he refused to give me the same information and told me it was his personal preference. When asked what the actual policies in place were on releasing private information, he would not give me information about such policies. He continued to state that it was his preference. I spoke with a manager who I was given two different names for : XXXX and XXXX who called me angry and said I was taking it out on him though I do not know what it was. This was in response to him saying that if we were scammers we wouldnt be asking to verify your information and me informing him that he was lying and giving false information as many scammers provide details and ask for verification to feign legitimacy, as is well known by most functional adults. He also would not give me a way to verify that this was a real entity and only offered the false claim that scammers dont ask for verification as proof. Again back to XXXX- when he told me the name of some supposed entity he says I owe XXXX $ to, he would not tell me what type of entity this was, though I asked many times. He also told me that it was a storefront then backtracked and stated that it was a website and not a storefront. I have been given misinformation, refused information I was owed, harassed, and profiled based on race and and sex, and as a result, assigned emotions and behaviors that did not exist. I was also not told by XXXX that I could file a dispute with their entity after telling him that I could not recognize the company to which he claims I owe XXXX XXXX He only gave me the option to file an identity theft claim with a government entity.

Company response to consumer: Closed with explanation