Debt collection -- False statements or representation -- Complaint #17792230
Complaint Overview
Complaint ID: 17792230
Company: National Finance Company, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Impersonated attorney, law enforcement, or government official
State: North Carolina
ZIP Code: 27858
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter from a company claiming that they had already commenced court action against me for a past-due account. The letter also stated that if I had not already received court papers from the XXXX XXXX notifying me of my court date, I would be receiving them soon. The letter repeatedly implied that an active lawsuit had already been filed and that law enforcement was involved. Because of how serious this sounded, I checked the official XXXX XXXX court system ( XXXX ) to verify whether a case actually existed under my name. After searching the court portal, I confirmed that no case exists, and no lawsuit has been filed against me. This means the company is making false statements about legal action and misrepresenting that the XXXX or courts are involved when they are not. The letter appears designed to intimidate me into immediate payment by creating a false sense of urgency and fear of court consequences. They are using claims of court filings and XXXX XXXX as pressure tactics even though no such actions have occurred. This made me feel scared, stressed, and misled, because they are telling me things that are not true to push me into contacting or paying them. I believe this behavior is deceptive, misleading, and potentially a violation of debt collection laws because they are falsely representing legal action, implying government involvement, and using threats of court to pressure me.
Frequently Asked Questions
What is Complaint #17792230 about?
Complaint #17792230 was filed against National Finance Company, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
How did National Finance Company, INC. respond to this complaint?
The company responded with: "Untimely response". The response was not 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 Finance Company, INC.?
Yes, visit the National Finance Company, INC. company profile at readthecomplaint.com/company/national-finance-company-inc 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.