Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCD Financial, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, California Email : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY OF ONGOING ACCOUNT ISSUES AND RELATED STRESS National Credit Direct ( NCD / NCDF Financial ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PURPOSE OF THIS FILE This file is prepared for record-keeping, professional review, and sharing as needed. It summarizes an ongoing issue with National Credit Direct ( also known as NCD or NCDF Financial ) involving inaccurate account records, repeated automated communications, and the resulting prolonged stress. 

The information below is factual and based on screenshots, emails, and written correspondence in my possession. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I maintained a consumer merchandise credit account with National Credit Direct, accessed through the companys website at www.nationalcreditdirect.com. The account relates to a merchandise purchase made in or around XX/XX/year>. 

While reviewing my account online, I discovered that National Credit Directs own account records contain internal contradictions and inconsistencies regarding my payment history and account status. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ACCOUNT RECORD INCONSISTENCIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Based on screenshots taken directly from National Credit Directs account portal, the following issues appear : The account status is listed as Current. 
Multiple monthly payments are simultaneously marked as Unpaid.

A Last Payment Date is shown for a transaction that is also labeled Unpaid. 
No explanation is provided for why certain payments are labeled unpaid. 
There are no visible notices of returned payments, declined payments, late fees, default notices, or account acceleration. 

These contradictions are confusing and distressing because : A payment can not logically be both made and unpaid. 
An account can not accurately be described as Current while reflecting unpaid payments unless those payments were waived, deferred, or corrected, none of which is disclosed. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REPEATED EMAIL COMMUNICATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Despite the unresolved inconsistencies described above, National Credit Direct continues to send repeated automated emails stating that my account statement is available and encouraging me to log in. 

Characteristics of these emails include : Sent over multiple months ( XXXX through XXXX ) Sent from NCD Financial ( NO REPLY ) Continued even after I indicated I did not wish to log in or continue contact No meaningful way to dispute or resolve the inaccuracies through the email These emails rely on the same disputed account data and contribute to ongoing stress by repeatedly signaling unresolved obligations without offering resolution. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- FORMAL ACTION TAKEN -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In response to the ongoing stress and unresolved inaccuracies, I took the following steps : I documented the inconsistencies using screenshots from the National Credit Direct account portal. 
I sent a formal written Demand for Deletion to National Credit Direct, requesting deletion of inaccurate and unverifiable account information. 
I prepared and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), referencing both the account inconsistencies and the prior deletion demand. 

As of this writing, the matter remains unresolved. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IMPACT ON WELL-BEING -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This situation has caused prolonged and cumulative stress due to : Repeated communications without resolution Conflicting and confusing account records Time and energy spent documenting, disputing, and tracking the issue Concern about potential financial or credit consequences caused by inaccurate information The stress is ongoing rather than isolated and has required continued attention over an extended period. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUPPORTING MATERIALS ON FILE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The following materials are available and can be provided if needed : Screenshots of National Credit Direct account pages Copies of repeated account statement available emails Copy of the formal deletion demand sent to National Credit Direct Copy of the CFPB complaint narrative -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED RESOLUTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Due to the internal contradictions and inaccuracies in National Credit Directs own account records, I am requesting a definitive resolution rather than continued statements or account maintenance. 

My requested resolution is as follows : PRIMARY REQUEST : Complete deletion of the National Credit Direct account from the companys records and from any consumer reporting agencies, on the basis that the account information is inaccurate and unverifiable. 

ALTERNATE REQUEST ( if deletion is refused ) : The account must be updated to reflect PAID IN FULL with a {$0.00} balance. 
All payment entries labeled Unpaid must be removed. 
The account must reflect no delinquency, no past-due amount, and no ongoing obligation. 
All recurring account statement available emails and communications must cease. 

Continued maintenance of contradictory account records without deletion or correction to a paid status is not an acceptable resolution. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- STATEMENT OF ACCURACY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The information contained in this file is true and accurate to the best of my knowledge and is based on records in my possession. 

Signed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation