Consumer complaint received 02-09-2018 about Debt collection (I do not know) with National Commercial Services, Inc (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In XX/XX/XXXX my husband got into a car accident up the street where I worked. I was called so I ran immediately to the scene. What I saw was terrible a truck smashed into the side of my car. Almost immediately the other party ran to me and told me that she was so sorry and that she would get me the insurance information that I needed. I called my mom and dad to the scene because they lived a few blocks away. That same day me and my husband was suppose to go shopping, pick up our XXXX   girls from school and go pay our car insurance because it was due that week. Because the accident happened at the time my children were due out of school, I left the scene so my husband can make the report. I left with my mom and dad whom of which also spoke with the other party. My husband made the report that day and we immediately called our lawyer and called her insurance company because she was clearly at fault. We were told that everything would be taken care of and not to worry by her insurance company. I immediately called my insurance company to let them know that we had a car accident and was astonished and surprised that now because they found out we had a accident they would not take our payment. I must have argued with them several times about this, but I went ahead and just transferred to another insurance company because of their lies and deceit. When the report finally came out even though it was found that the other party clearly hit our car, the report showed no fault against either party. My husband that day showed his insurance, we were under the same insurance company. Till this day I am clearly fighting with the insurance company that got over on us. XXXX XXXX bullied, harassed us so much, I lost my job because of no transportation, my children could not get to school. I ended up giving the car up because it was totaled. I hired three lawyers and all of them told me that because XXXX had such raw tactics and better lawyers, I clearly could not win and I was doomed. Over the next couple of months me and my husband was bullied, and harassed so much by this company that it became unbearable. I filed complaints on this company and just like the lawyers said they seemed like an impossible company to touch it seemed as if this company could do anything they wanted and destroy peoples lives in return. Finally, me and my husband just gave up and left it all to the man above. We moved on with our lives and when the company said it no fault, we left it all alone and went on. We had to rebuild our lives from this losing that car was everything It was the lifeline for our family especially my XXXX children. Years went by and then we get a call from a company who name is National Commercial Services. they are locate in XXXX XXXX California. They said we owed them XXXX. This was around XX/XX/2017. I spoke with a man by the name of XXXX. I told them that the accident was not my husband fault and that everything had been taking care of. He told me that the other party was now saying she was hurt and XXXX was paying claims and had paid for her accident and that it is no longer my husband 's fault but now it was my fault because I owned the vehicle. I immediately told him that I was not paying any claims, that we were the victim not her. Then he proceeded to tell me that the reason that they were coming for me was because the car never had insurance and they could not make a claim for their client. I immediately told him that I was told by her insurance company that they would take care of her and my insurance company would have to take care of me. That clearly none was at fault. He then told me that if I did not pay right now they were going to sue me, suspended both of our license and block our registrations. I told him again that it was not my fault. He connected me that day to the supervisor who was way worse, I was told that they wasn't going to stop coming for me, and I better pray because watch what happens to me. I nearly that day went to bed with XXXX and XXXX and cried all night. I mean around this time I was living in a small one bedroom apartment with XXXX children because of this whole accident nightmare, and just about time me and my husband were trying to move on, it comes again. Next encounter I was called and told that they had sent something to the XXXX to try to suspend my license. I literally ran to the XXXX to speak with someone about the harassment, they told me that there was nothing this company can do. That I have insurance, so they advised me to retain a lawyer. I was scared for my life with XXXX because they threatened us with jail, and you name it. But now this other company is not only doing the same but worse. I asked them to stop calling and leave me alone and also let them know that my husband after the accident had a XXXX and would not be able to speak with anyone. Well about a week after I started receiving mail now it was not in my husband 's name they clearly were coming after me and I believe because my husband could not speak. They kept calling and sending paperwork I literally almost ended up in XXXX XXXX   because of them. I had it I called them and told them to stop all correspondence and it never stopped. The only time it stopped is when I changed my phone number and moved into my house. About a two months into me moving in the home the harassment picked up. They found out where I lived and started sending correspondence with my husband name on it. When I called and told them that my husband does not live with me to leave me and my kids alone. The Supervisor XXXX, and I quote stated this is all your fault, watch what I am going to do to you. If you don't pay your tuition then you are going to wish you had of watch what we will do to you, you'll see. I immediately started screaming at them and telling them to stop calling and do not send me anymore correspondence and to stop harassing me. He just kept threatening me and saying you need to XXXX the law that is what I think you should do because watch what happens, and that he was going to make sure he takes matters into his own hands. I told him that I was contacting an attorney and suing for harassment and bullying and he said to me go right ahead see what happens. In an effort to try to stop him from continuing I told him I was taping him right now if don't stop threatening me and finally I hanged up the phone. I was so scared I ended up calling Legal Aid and was advised to call him back and get names. The last contact was today XX/XX/2018 @ about XXXX or XXXX XXXX. I am making a complaint because of harassment and bullying. I have been stressed and afraid and can't sleep. Upon asking the company to stop contact they would not over and over again. This had led to ongoing mental abuse, suffering, and mental anguish that has taken a toll on me and my husbands health throughout these couple of years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation