Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Commercial Services, Inc
State: LA

Complaint narrative:
This is my third complaint against NCS regarding a disputed auto-related debt. Each time l 've reached out to the CFPB, NCS has responded with evasive, misleading, and coercive tactics instead of transparency. They have shown a pattern of deception and manipulation, particularly regarding the presentation and handling of a promissory note they claim I knowingly agreed to.

What actually happened is that NCS sent me a blank version of a promissory note via email with no clear explanation, no itemized breakdown of the charges, and no disclosure of the consequences. I was pressured into signing, especially because they referenced the potential suspension of my driver 's license, which I now understand was used to intimidate rather than inform. 

Later, they uploaded a signed version of the note as if I had agreed to clear and fair terms. But at no point was I allowed to review or understand the full contract before signing. I was never sent the final version with the completed terms, nor was I given an opportunity to ask questions or understand the debt. 

Across three complaints : My first complaint was met with vague, non-substantive replies. 
In my second complaint, they shared documents like a police report and the promissory note - but again, failed to show how the debt was calculated or that I agreed knowingly. 

Now, I must point out that this contract was obtained under pressure and confusion, without informed consent, and with absolutely no financial transparency. 

I am not asking for a refund of past payments. I am only asking to be released from a contract that I did not understand, was not explained to me, and which I was pressured into signing under duress. 
If this matter is not resolved through the CFPB, I am fully prepared to escalate by submitting this situation to my State Attorney General 's Office, along with all email records and complaint history. This company 's refusal to disclose full information and its pattern of coercion is deeply concerning. 

Thank you for your continued attention. I request a full investigation and a resolution that releases me from this improperly obtained agreement. 

Included in the documents I am submitting shows just a blank and signed contract not the entire documentation that the CFPB provided in their latest response. In the screenshot you will see the document saying says 1 of 1. There were no additional documents explaining ANYTHING to me. You can also see I clearly was paying UNTIL I was informed I had been ILLEGALLY SCARED INTO A CONTRACT. The original debt was {$3600.00} excluding taxes. I have paid over {$1000.00} until I realized this tactic this company used and continues to use. NCS did NOT properly discuss this with me over the phone. They used aggressive language and would rudely cut me off when I would try to ask questions. This company gave me anxiety every time they sent letters to my house or called my old number. I am no longer letting them give me XXXX  or scare me. 

* * I HAVE ALSO INCLUDED A SCREEN RECORDING * * I also noticed that this company repeatedly refers to me as " XXXX XXXX XXXX '' instead of my correct name, XXXX XXXX XXXX. It reflects either a lack of proper verification or the use of incorrect data. If they can not even spell my name correctly, it raises further doubt about the accuracy and legality of the contract and communication they claim is binding. 

Sincerely, XXXX XXXX XXXX Included Prior Complaint Numbers : XXXX and XXXX

Company response to consumer: Closed with explanation