Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
I purchased a used XXXX XXXX XXXX XXXX on XX/XX/XXXX, financed through XXXX XXXX, which became the original lienholder. On XX/XX/XXXX, I obtained a {$20000.00} personal loan from XXXX XXXX XXXX, XXXX secured by the vehicle. XXXX paid off the remaining balance to XXXX XXXX and became the new lienholder. I made XXXX on-time payments totaling {$13000.00} between XX/XX/XXXX and XX/XX/XXXX. After losing my job in XX/XX/XXXX while caring for a hospitalized family member and filing for unemployment benefits, I began experiencing severe financial hardship. 

On XX/XX/XXXX, I contacted XXXX in good faith to request hardship assistance and offered a {$3000.00} lump-sum settlement in exchange for a lien release, account closure, and credit deletion. XXXX responded that the loan had been sold to XXXX XXXX and directed me to contact them, despite remaining listed as the lienholder on the XXXX XXXXXXXX title. XXXX  then advised that the account was being serviced by National Enterprise Systems ( NES ). I repeatedly requested written confirmation identifying the current legal lienholder and documentation of any XXXX transfer, but no party provided this information. 

On XX/XX/XXXX, NES stated it was authorized to accept the {$3000.00} settlement but failed to address the lien release, credit deletion, or written confirmation of terms. I reiterated that all communications must be in writing under the Fair Debt Collection Practices Act. XXXX continued to refuse to discuss the account by email and again directed me to XXXX. On XX/XX/XXXX, I formally reiterated my settlement terms and advised that I would pursue complaints with the Consumer Financial Protection Bureau, XXXX XXXX XXXX, and the Attorney General if the matter remained unresolved. XXXX again ignored the XXXX issue. 

On XX/XX/XXXX, I contacted XXXX corporate and repeatedly requested to speak with a supervisor. After initially refusing, the representative stated she consulted a supervisor who confirmed that XXXX no longer holds any interest in the loan, XXXX, or title and suggested XXXX XXXX have failed to properly record the transfer. However, the XXXX XXXXXXXX still lists XXXX as the lienholder, and XXXX has not acknowledged responsibility for the XXXX. That same day, I offered NES a good-faith {$500.00} settlement due to prolonged unemployment and reliance on government assistance to resolve the debt and obtain a lien release so I may seek employment, attend medical appointments, and maintain daily living activities. 

On XX/XX/XXXX, NES responded that the account was no longer with them and redirected me back to XXXX. As of today, XXXX XXXX, XXXX XXXX, and National Enterprise Systems continue to redirect me between XXXX another without accepting responsibility for the XXXX or addressing the vehicle title. This unresolved XXXX prevents me from obtaining clear title to my vehicle and has caused ongoing financial and personal hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation