Consumer complaint received 2022-05-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I will include attachments if there is a spot for it. I called a company about for last month because they are on my credit report and I did not recognize the company so I try to offer them a lower amount to have it removed. On my credit statement it says that I owe {$400.00} and I offered them {$150.00} if they would also include or retract the offense off of my three credit reports. They said they would not remove it from my credit reports XXXX take the {$150.00} offered. I then as dont you all want to make money, and the female rep said we have our Waze XXXX not knowing what that really meant, but now I see the harassment phone calls threatening legal action in my sister also received the same phone call or voicemail that I received from these people who may be using a third-party. The two reps that I spoke to at this company told me that there was a dispute on file with XXXX and there a company, ongoing, so why would say institute of these harassment calls to me? I dont see an attachment I will try to copy and paste the message I received from them. 

XXXX Deposited a new message : " This message is intended for XXXX. We have been retained to process and facilitate a civil complaint, which names you as the respondent attempts have been made to contact you in regards to the spending civil complaint. If we do not hear from you and your legal counsel, by the end of business today, we will have to assume you're waiving your rights to voluntary restitution. The complaints will be forded over to your local jurisdiction. If this is not your intentions, please contact our office at XXXX. And I consider this your final notification. Good luck. '' Click here : XXXX to listen to full voice message. 

Message # 2 : Unknown Deposited a new message : " this message is slowly and send it for XXXX XXXX   XXXX. My name is XXXX XXXX XXXX. And I've been tasked with delivering a certified documents that are attached to your name, as well as your social security number, and I will be making several attempts to get your signature, your current residence tomorrow, between the hours of 30 and XXXX XXXX. And if I'm unable to reach you at your residence, I will have no choice but the deliver these documents to your occurring place of employment, at which point I will need a supervisor or head of security to sign off as a witness. And if I am unable to reach you either of these locations, the smoke be documented as a director for you to sign. And at the time delivery, please have at least one form of photo identification available, preferably your status, your driver 's license. And if you have any further questions or concerns prior to my arrival, contact filing parties office directly at XXXX XXXX. And refer to your file number Z as in Zebra XXXXXXXX XXXX XXXX  XXXX, you have officially been notified and I will be out tomorrow, so please plan accordingly '' Click here : XXXX to listen to full voice message. 

Here is the company I spoke to/with last month : National Credit Adjustment Acct # XXXX, Original Creditor : Loan by Phone XXXX XXXX XXXXXXXX XXXX, Date Allegedly Opened XX/XX/2018, Balance {$400.00}. 
Company Info : phone nbr : XXXX XXXX, Address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX.

Company response to consumer: Closed with explanation