Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Account No. XXXX / Request for Deletion Based on Federal and State Law To Whom It May Concern : I am in receipt of your response dated XX/XX/XXXX, through the CFPB portal in regard to the alleged debt you claim to have acquired from XXXX. I hereby maintain my dispute of this debt and request its immediate removal from all consumer reporting agencies under federal, state, and military protections, detailed as follows : XXXX. Violations of the Military Lending Act ( MLA ), 10 U.S.C. 987 I have been a member of the XXXX XXXX XXXX XXXX since XX/XX/XXXX, which qualifies me for XXXX protections. The original loan from CashCentral.com, issued on or around XX/XX/XXXX, lists an XXXX of 580.63 %, which grossly exceeds the 36 % Military Annual Percentage Rate ( MAPR ) cap allowed under the XXXX. Under the XXXX, any loan issued to an active-duty servicemember : Must not exceed a 36 % MAPR, including all fees, charges, credit insurance premiums, and other related costs ; Must include specific disclosures and must not require arbitration ; Is void from inception if it fails to comply with XXXX provisions ( see 10 U.S.C. 987 ( f ) ). Because the original loan violated XXXX provisions : The underlying debt is legally void ; Any subsequent sale or collection of this debt is also unenforceable ; Reporting this debt to credit bureaus constitutes a willful violation of my rights under the XXXX and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 2. Violation of the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq. As an active-duty servicemember, I am also protected by the SCRA, which mandates the reduction of interest rates on pre-service debts to 6 % and prohibits certain default judgments and actions without court approval. While this debt was originated after my entry into active service ( thus primarily governed by the XXXX ), any enforcement action taken without a court order under the SCRA may still be subject to challenge. XXXX. Invalid Reporting and Collection Under the FCRA and FDCPA Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have disputed this debt and requested validation. While you attached the original agreement, you have failed to address the legal invalidity of the contract under the XXXX. Moreover : Continued reporting of this debt after my dispute without marking it as disputed constitutes a violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). You have not provided any documentation showing the debt is enforceable under federal or state law, as required under 15 U.S.C. 1692g. 4. Alabama State Usury Laws and Licensing Requirements Under Alabama Code 8-8-1, the legal maximum interest rate is 8 % per year in the absence of a written contract. While Alabama does allow small loan licenses, any APR above 36 % is highly scrutinized, and payday lenders must be licensed and compliant with both state and federal law. If XXXX was not properly licensed or the loan exceeded state rate caps without proper disclosure and authorization, the contract may be void under state law as well. 5. Formal Request for Deletion and Cessation of Collection Based on the above : This debt is void and unenforceable under the Military Lending Act ; Continued collection or credit reporting constitutes a violation of multiple federal statutes ; I demand that you immediately delete this account from all credit reporting agencies and cease all collection activity ; I request confirmation in writing that the account has been removed from my credit file. If this matter is not resolved within 15 business days, I will escalate the issue to : The Consumer Financial Protection Bureau ( CFPB ) ; XXXX XXXX  XXXX XXXX via the MLA complaint process ; The XXXX  Attorney General 's Office ; Consider legal counsel for violation of federal military protections. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation