Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
On my credit report there is a XXXX XXXX XXXX in collections I just turned XXXX in XXXX there is absolutely no way i could even apply for a line of credit 2 years ago I am a victim of identity theft ive reported this to the police The company has repeatedly called and emailed me threatning legal action sending notices like even when i spoke to them and told them i never opened such account I dont even know how they got my phone number " NOTICE OF LEGAL PROCEEDINGS Case Number : XXXX Outstanding Amount : {$6300.00} Lender : XXXX XXXX XXXX Time Left : 5 hours. 

Contact : XXXX We are writing to address a matter of significant concern regarding an unresolved outstanding debt in the amount of {$6300.00}, associated with your account under Case Number : XXXX. This communication marks your final opportunity to resolve this matter outside of court. You are required to take immediate action within the next five hours upon receipt of this notice. Failure to do so will result in serious consequences. 



Our attention has been drawn to the fact that the XXXX XXXX XXXX XXXX has levied four serious allegations against you, each carrying substantial legal implications : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer It is important to note that XXXX XXXX XXXX, the parent company, assumes responsibility for all outstanding debts. Regardless of the subsidiary through which the loan was acquired, such as ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the main lender retains the right to lodge a complaint and pursue legal action through appropriate channels, including the court.

To prevent further legal actions, we present the following payment options requiring your immediate attention : 1.A one-time settlement of {$2900.00}, leading to a complete resolution of the debt within the next five hours.

2.Weekly or biweekly payments of {$500.00} until the debt of XXXX XXXXis fully settled, commencing today within the next five hours.

We urge you to comprehend the gravity of this situation and take swift action to address it. Failure to do so within the specified time frame will lead to the following severe consequences : Formal filing of the case at the local courthouse.

Notification of this matter to your employer, bank, and references.

Garnishment of your wages.

Initiation of a lawsuit demanding a total of {$42000.00}, not inclusive of attorney fees and any outstanding balance associated with your name.

Reporting to all 3 major credit bureaus ( XXXX, XXXX and XXXX ), significantly impacting your credit score.

Our investigations have indicated potential fraud, including unauthorized electronic funds transfers, linked to your IP address.

By electronically signing the payday loan agreement, you legally agreed to the terms and conditions. Should the court issue a judgment against you, we may seek orders for the seizure and sale of your non-essential assets by a County Court Bailiff or Sheriff Officer.

Time is of the essence, and you have four hours to comply with this final opportunity for an out-of-court settlement. Please respond immediately to this matter by reaching out to us at XXXX, where we can discuss suitable payment arrangements.

We strongly emphasize against underestimating the urgency and potential consequences of this situation. Failing to act promptly will lead to the swift commencement of severe legal actions against you.

We recommend seeking legal advice to fully grasp the implications and potential consequences of your decisions. For further clarification or inquiries, please do not hesitate to contact our office. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation