Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I was checking my XXXX  report and noticed there was a collection for national credit adjusters I attempted to XXXX search them and wasnt able to find anything so I called the original company the debt was from which was XXXX XXXX, they provided me the phone number ( XXXX ) XXXX, I attempted to reach out to that number and got a busy signal. After multiple reverse searches, ensuring that I wasnt accessing any websites that were being used for phishing or fraudulent activity, XXXX XXXX provided me an alternative number of ( XXXX ) XXXX, when I called that number I spoke with a representative named XXXX she was able to verify what she needed you on her end, and I was able to further verify my information she informed me that my debt from XXXX XXXX that was then transferred to national credit adjusters was now being held and would need to be collected with XXXX XXXX, XXXX provided me the phone number ( XXXX ) XXXX, when I called that number, the person that answered answered the phone, as if it was a casual conversation. I immediately hung up and did not proceed further due to red flags and concern for my financial safety and security. After that encounter, I attempted to XXXX search more and found national credit adjusterss website where I was able to locate my account information and I attempted to resolve the debt online. It then informed me that I was unable to process the payment online and that I had to call and provided me the phone number ( XXXX ) XXXX, which when I attempted to call, it also rang busy. I attempted to locate XXXX XXXX  website and I came across multiple websites and didnt know which one was the correct one and didnt feel comfortable entering in my information. I went through my text messages to see if I had received any contact via text message from either of them and noticed that I had a text thread dating back to XX/XX/year> where allegedly XXXX had attempted to contact me in, provided their contact info and a link to their website, after a further evaluation in reading those messages, I found that every single text message ( 4 in total ) had different phone numbers and the website links looked similar, but were all different in some way.

The four phone numbers I was provided through those text messages were : XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX Due to the inconsistencies in the phone numbers and website link discrepancies I didnt attempt to click them or contact the numbers provided. 
What was supposed to be a simple resolution of a debt that I owe turned into a concern for my financial security and has completely overcomplicated the process of paying this debt off. 
It is hard for me let alone anyone else trust random phone numbers, and random text messages due to the increase of spam and scam calls and text I receive on the daily, now I am attempting to resolve a debt and I cant even trust any phone number. Any link or any person I talk to due to the inconsistency of contact information, website, links, and the lack of professionalism from these collection agencies, if they are even the correct people.

Company response to consumer: Closed with explanation