Debt collection -- Attempts to collect debt not owed -- Complaint #4999427
Complaint Overview
Complaint ID: 4999427
Company: National Credit Adjusters, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 34232
Date Received: 2021-12-10T12:00:00-05:00
Date Sent to Company: 2022-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a dispute ( note the below Complaint ID below ) 3 weeks ago regarding XXXX XXXX XXXX and XXXX that said I owed over XXXX for a card that I never applied for nor used. They said the XXXX was due to origination fees and late fee 's. Your company helped me resolve their errant reporting. But they also sold the debt to a debt collection company ( NCA that is Reporting still ). This is linked to the above account and should be removed as well. Please see their information. Original Complaint Filed COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Getting a credit card Please see the company ( Debt Collection Company Below hired by XXXX XXXX ) NCA Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX AND XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX AND XXXXXXXX XXXX Report info
Frequently Asked Questions
What is Complaint #4999427 about?
Complaint #4999427 was filed against National Credit Adjusters, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-10T12:00:00-05:00.
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.