Debt collection -- False statements or representation -- Complaint #11311478
Complaint Overview
Complaint ID: 11311478
Company: National Credit Adjusters, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: False statements or representation
Sub-Issue: Impersonated attorney, law enforcement, or government official
State: Michigan
ZIP Code: 48340
Date Received: 2024-12-28T12:00:00-05:00
Date Sent to Company: 2024-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX National Credit Adjusters Subject : Cease and Desist Letter Regarding Debt Collection Activities - Lack of Chain of Title Dear National Credit Adjusters, This letter constitutes a formal cease and desist letter regarding your debt collection activities related to the alleged debt of [ Account Number or Description of Debt, if known ]. I believe your collection efforts may be unlawful due to a lack of a valid " chain of title. '' Specifically : I dispute your ownership of this alleged debt. I request that you provide me with verifiable documentation demonstrating a clear and unbroken chain of title proving your legal right to collect on this debt. This documentation should include proof of how the debt was transferred from the original creditor to your agency. Until you can provide satisfactory evidence of your ownership of this debt, I demand that you immediately cease all collection activities related to this alleged debt, including : All phone calls, emails, and letters to me. All contact with my employer or any other third party. I further request that you provide me with the following information in writing within days of receiving this letter : The name of the original creditor. A copy of the original contract or agreement. A verification of the amount owed. A detailed statement of all payments made. Please be advised that I will not hesitate to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission XXXX FTC ), if you continue to engage in unlawful or harassing debt collection activities. Sincerely,
Frequently Asked Questions
What is Complaint #11311478 about?
Complaint #11311478 was filed against National Credit Adjusters, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-12-28T12:00:00-05:00.
How did National Credit Adjusters, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against National Credit Adjusters, LLC?
Yes, visit the National Credit Adjusters, LLC company profile at readthecomplaint.com/company/national-credit-adjusters-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.