Consumer complaint received 2020-10-08
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received this email from XXXX. At first glance, I thought it may actually be legit, but then noticed all the ridiculous grammatical errors. Additionally, I finally realized they didnt even use my name in the header. I am working to settle some outstanding debts, which is why I thought it could be real at first. However, looking through my records, I dont owe anyone this particular amount.

I DID respond to the email to request more information about the original lender, but they did not respond. Hoping to clarify that it is indeed fake. 


National XXXX XXXX.

Letter in Advance of Legal Proceeding Outstanding debt of {$980.00} due immediately. 


Case # : XXXX Subject - Loan Reminder/Debt Recovery Case File Transferred to NCC : XX/XX/2020 Due Amount : {$980.00} Settlement amount for today {$630.00} Dear Debtor, As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & thats the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.

We regret that if we do not receive your response within the next 48 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which is approximately {$4200.00}. 



AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgment/ Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a Count Court Baliff or Sheriff Officer.

The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, XXXX XXXX is seeking either of the following remedies : - All funds to be returned as per terms of the initial contract Dear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also, we would like to know your intentions If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us.
AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMIDIATELY THROUGH AN EMAIL DURING WORKING HOURS ( From Monday To Friday XXXX XXXX to XXXX XXXX EDT ). 



NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS. 

If you want to resolve this matter then we have settlement amount for you ; Kindly let us know what type of payment arrangement you are looking for. 



Do provide us with the date on which you can pay so that we can update your account. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full with XXXX balance and you are no more debtor for the company and will update the Major Credit Bureau.

Yours sincerely ( Department Law & Enforcement ) ( National Credit Collections ) Collections & Legal Department

Company response to consumer: Closed with explanation