Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Commercial Services, Inc
State: MS

Complaint narrative:
I am filing this complaint against National Commercial Services ( NCS ) collection agency, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX ) ( please see specific dates in attached outline ) due to deceptive debt collection practices, failure to provide dispute rights, false threats, and ignored attempts to resolve a falsely charged debt of {$4300.00}. These actions significantly worsened my service-connected XXXX XXXX ( 100 % VA-rated ) and created extreme emotional distress. 

Despite multiple efforts to dispute this charge, my attempts to resolve the matter with XXXX and XXXX between XX/XX/XXXX - XX/XX/XXXX, were ignored. I was given false appointments by XXXX 's damage claims department and received no response from XXXX. 

After these failed attempts, I was contacted by XXXX on XX/XX/XXXX, where their " legal department '' falsely claimed they would escalate this debt to the Department of Motor Vehicles ( DMV ) and that my driver 's license would be seizedan unlawful and misleading threat. When I spoke with NCS agents between XX/XX/XXXX- XX/XX/XXXX, they misrepresented themselves as assisting with resolving the charge rather than actively collecting a debt. 

Their false explanations, fabricated financial calculations, and coercive payment tactics only added to the confusion, making it impossible for me to properly dispute or verify the charge. The contradictory statements between NCS and XXXX Holdings further prove this charge was falsely assigned to collections. 

A detailed outline of violations, including specific dates and documented evidence of misleading practices by XXXX XXXX, XXXX, and NCS, is attached. ( See " attached outlines of violations of Enterprise and Rental Claim Services '' for specific dates and events. ) Summary of Legal Violations Fair Debt Collection Practices Act ( FDCPA ) Violations : 1692e ( 4 ) & ( 5 ) False representation that nonpayment would result in driver 's license XXXX and false threats of legal action 1692g ( a ) Failure to provide written validation notice and dispute rights within five days of initial contact 1692e ( 10 ) Use of false, deceptive, and misleading representations to collect a debt 1692e ( 11 ) Failure to disclose in communications that the communication was from a debt collector 1692e ( 14 ) Misrepresentation of the collector 's identity and failure to disclose full company information 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of the debt 1692f Use of unfair and unconscionable means to collect the alleged debt Telephone Consumer Protection Act ( TCPA ) Violations : 47 U.S.C. 227 ( c ) Deceptive and manipulative calling practices, disguising collection calls as " assistance '' calls 47 CFR 64.1200 ( d ) Failure to implement appropriate procedures while engaging in deceptive communications 47 U.S.C. 227 ( a ) ( 4 ) Engaging in false pretenses during telephone communications to gain trust and extract payment Americans with Disabilities Act ( ADA ) Violations : Title III Failure to provide reasonable accommodations despite clear disclosure of 100 % service-connected XXXX XXXX XXXX Imposition of eligibility criteria that screens out individuals with XXXX XXXX Exploitation of XXXX by using sympathetic tones and false promises of assistance specifically targeting vulnerability Additional Violations : Servicemembers Civil Relief Act ( SCRA ) Failure to verify veteran status before engaging in deceptive collection tactics Fair Credit Reporting Act ( FCRA ) Reporting unverified information to credit bureaus Equal Credit Opportunity Act ( ECOA ) Discrimination based on XXXX status My status as an XXXXXXXX XXXX with 100 % service-connected XXXX XXXX was clearly communicated to all parties, yet they deliberately used tactics that exploited my condition- including feigning sympathy, falsely claiming to be " helping '' resolve the issue rather than collecting, providing contradictory information from Enterprise, and using calculated deception to gain my trust. These manipulative practices caused significant psychological harm and exacerbated my service-connected XXXX symptoms.

Company response to consumer: Closed with non-monetary relief