Payday loan, title loan, or personal loan -- Problem with the payoff process at the end of the loan -- Complaint #6757450
Complaint Overview
Complaint ID: 6757450
Company: National Credit Adjusters, LLC
Product: Payday loan, title loan, or personal loan
Sub-Product: Payday loan
Issue: Problem with the payoff process at the end of the loan
State: District of Columbia
ZIP Code: 20017
Date Received: 2023-03-27T12:00:00-05:00
Date Sent to Company: 2023-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The online payday loan was originally taken out in XXXX ( XXXX XXXX + XXXX XXXX ). I had lost my job at the time and didn't have employment for months ( until the end of XXXX ), so I was unable to pay them back. There was no fraud or bad checks written. In that time, the loan was passed off to a collections agency that has used illegal practices. Keep in mind, this is all past the statute of limitations for credit collections and this debt is NO LONGER on my credit report. I will attach a copy, so that CFPB can see I'm being harassed about a debt that's no longer on my credit report. The collections company called my cell phone via their number XXXX on XX/XX/XXXX. They NEVER stated the name of their company. When I asked for verification of the debt in written form, I was threatened with them contacting my job, and said I committed fraud by writing a bad check. They ultimately refused to send me a written verification of debt and stated the only written verification of debt that they would send me is a subpoena. I made them aware of the fact that I live in the District of Columbia and it is illegal to harass or threaten consumers under Law # 28-3814, and blocked the number to prevent future harassment.
Frequently Asked Questions
What is Complaint #6757450 about?
Complaint #6757450 was filed against National Credit Adjusters, LLC regarding Payday loan, title loan, or personal loan specifically about Problem with the payoff process at the end of the loan. It was received by the CFPB on 2023-03-27T12:00:00-05:00.
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 (Payday loan, title loan, or personal loan) 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.