Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
My wife contacted National Credit Adjusters ( NCA ) on my behalf and raised concerns about a {$160.00} overcharge. Four different representatives were unable to explain how the amount was calculated. One representative informed my wife to contact XXXX XXXXXXXX XXXX which I had already done. ( Another Deflection of accountability. ) The bank confirmed they no longer own the debt. Since NCA now owns and reports it, the responsibility for explaining the debt lies solely with them. 

The next representative, XXXX, stated I was lucky to only have {$160.00} in fees, claiming shes seen much worse. Another rep then offered to settle the account for {$1000.00} and forget the {$160.00} an admission that the fee is arbitrary and not supported by the contract. This violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable information to a credit bureau is prohibited. Creditors must have factual support for all information they report. 
FDCPA 807 ( 2 ) ( A ) Debt collectors may not falsely represent the amount of a debt. Adding charges not authorized by the original agreement is unlawful. 
FDCPA 809 ( b ) When a debt is disputed, the collector must provide proper validation of the debt. This includes a breakdown and documentation, which NCA failed to provide. 

Another representative stated they had no documentation to support the charge and that it just looks like fees. I explained that, even if every possible late, returned, or annual fee was applied under the contract, the total could not reach {$160.00}. He agreed and said he would escalate the issue to his supervisors to determine next steps. 

NCA, as the current data furnisher and debt owner, is clearly violating multiple federal consumer protection laws by reporting unverified and inflated balances. 

I have recordings of EVERY INTERACTION with National Credit Adjusters. 

I have not yet raised the additional violations committed during my interactions with this company, but rest assured, your legal department will not be pleased with the conduct, contradictory statements, and misrepresentations made by their staff. 


If NCA attempts to transfer, assign, or sell this debt to another agency while knowing it contains clear inaccuracies and unresolved disputes, I will ensure the company is held fully accountable for perpetuating illegal reporting and collection practices. This includes : FCRA 623 ( a ) ( 1 ) ( A ) A data furnisher can not knowingly pass along inaccurate or unverifiable information, even if the debt is sold.

FCRA 623 ( a ) ( 2 ) Once a debt is disputed, the furnisher must not continue to report the information without marking it as disputed and must investigate before further transmission.

FDCPA 807 ( 8 ) Prohibits communicating or threatening to communicate false credit information, including failing to disclose that a debt is disputed. 
Common Law Negligent Misrepresentation Intentionally or recklessly passing false financial data that causes consumer harm may trigger liability, even post-sale. 

I am preserving all communications and evidence. If this debt is transferred without resolution, I will hold all parties, including NCA, liable under federal and state consumer protection laws.

Company response to consumer: Closed with explanation