Debt collection -- Attempts to collect debt not owed -- Complaint #16283089
Debt Collector Accused of Pursuing Incorrect Debt
Complaint Overview
Complaint ID: 16283089
Company: National Account Systems Of Omaha, LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Nebraska
ZIP Code: 68107
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the company may have violated the Fair Debt Collection Practices Act (FDCPA) by attempting to collect a debt from the wrong individual.
Consumer Sentiment: negative
Topics: Debt collection, Medical debt, Incorrect debt, Consumer protection
AI Analysis
CFPB complaint 16283089 was filed against National Account Systems of Omaha, LLC regarding Debt collection (Medical debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against National Account Systems of Omaha, LLC for attempting to collect a debt that was not theirs. The complaint was received on September 30, 2025 from Nebraska. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should dispute any debt that is not theirs in writing and keep records of all communication with debt collectors.
Legal Context & Consumer Protection Laws
The FDCPA prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts from individuals who do not owe them.
Regulatory Insight
This case highlights the importance of accurate record-keeping by debt collection agencies to avoid pursuing debts from incorrect parties.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in Nebraska (NE), indicating a potential issue with debt collection practices within that state.
Industry Comparison
This is a common issue in the debt collection industry, where errors in identifying the correct debtor can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283089 about?
CFPB complaint 16283089 involves Debt collection (Medical debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against National Account Systems of Omaha, LLC on September 30, 2025.
Which company is complaint 16283089 filed against?
Complaint 16283089 was filed against National Account Systems of Omaha, LLC. You can view all complaints against this company on their profile page at /company/national-account-systems-of-omaha-llc.
What was the company's response to complaint 16283089?
National Account Systems of Omaha, LLC responded with "Closed with explanation". The response was NOT marked as timely by the CFPB.
When was complaint 16283089 filed?
Complaint 16283089 was received by the CFPB on September 30, 2025. It was sent to National Account Systems of Omaha, LLC on September 30, 2025.
What state was complaint 16283089 filed from?
Complaint 16283089 was filed from Nebraska. You can view all complaints from this state at /state/NE.
Was the consumer satisfied with the resolution of complaint 16283089?
Dispute information is not available for complaint 16283089.
What product category is complaint 16283089 about?
Complaint 16283089 is categorized under "Debt collection", specifically "Medical debt". This is one of the product categories tracked by the CFPB.
How was complaint 16283089 submitted?
Complaint 16283089 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 16283089?
The FDCPA prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts from individuals who do not owe them. This relates to a Debt collection complaint against National Account Systems of Omaha, LLC involving "Attempts to collect debt not owed".
How likely is complaint 16283089 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation".
What does the risk level mean for complaint 16283089?
This complaint is rated as medium risk. The risk is medium because the company may have violated the Fair Debt Collection Practices Act (FDCPA) by attempting to collect a debt from the wrong individual.
What regulatory actions apply to complaint 16283089?
This case highlights the importance of accurate record-keeping by debt collection agencies to avoid pursuing debts from incorrect parties. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 16283089?
Consumers should dispute any debt that is not theirs in writing and keep records of all communication with debt collectors.
Are there state-specific protections for complaint 16283089?
The complaint was filed in Nebraska (NE), indicating a potential issue with debt collection practices within that state. This complaint was filed from Nebraska.
How does complaint 16283089 compare to industry norms?
This is a common issue in the debt collection industry, where errors in identifying the correct debtor can lead to significant consumer harm.
What steps should a consumer take if a debt collector contacts them about a debt they do not owe?
The consumer should immediately dispute the debt in writing to the debt collector and request validation of the debt. They should also keep copies of all correspondence.
What are the potential consequences for a debt collection agency that attempts to collect a debt from the wrong person?
The agency could face legal action under the FDCPA, resulting in statutory damages, actual damages, attorney's fees, and court costs for the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.