• Report: #997520

Complaint Review: National Credit Solutions

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  • Submitted: Tue, January 15, 2013
  • Updated: Tue, January 15, 2013

  • Reported By: Lauren — Lubbock Texas United States of America
National Credit Solutions
3675 E I 240 Service Rd., Oklahoma City, OK 73135 Oklahoma City, Oklahoma United States of America

National Credit Solutions NCS Debt Collection Oklahoma City, Oklahoma

*General Comment: NCS is a Shady, Corrupt Company that likes Bullying People...

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This company started calling me on a debt I paid over two years ago. I asked for written documentation that I owed the debt and you would have thought I asked for their first born.

First, when I asked for the documentation and contact information I said I would contact them back after discussing the call with my fiance. The person who called me then proceeded (within 10 minutes of speaking with me) to leave voice mails to my mother and siblings blatantly pretending to be me ("Hey this is Lauren. I'm in trouble. It's an emergency. Please call me back!" AND "Lauren has been arrested for presenting bad checks and a warrant is being issued for you right now because you were a cosigner.").

I then called back to find out why they felt it was necessary to do that and the woman I was speaking to completely ignored my question and said the debt could be settled for a down payment right now. Again, I stated that I was not giving my financial information over the phone for a debt I have documentation as showing PAID. I hung up on her because it was an insult to my intelligence and time to continue this back and forth.

This was about four months ago. My lawyer advised me to not send or continue communication without documentation of the debt. I get a call two weeks ago saying that they were coming to my home and place of employment (good luck, I was laid off last year) to "serve me up for court". The woman stated that a lawsuit had been filed, that I was a no-show in court, and that my case had been ruled on and that now I owe all these crazy court fees. I told her, again, I wanted documentation. 

NCS has yet to provide any documentation but continue to call my phone multiple times a day threatening a lawsuit (hey, I thought it was already ruled on? hmmm), threatening to contact my family and neighbors. I want to keep this short so I won't even list all the lies. 

I will say this.... I have kept ALL of the phone messages and so has my family and you (NCS) WILL be hearing from my lawyer. You are unethical and have broken at least three laws in dealing with me. I encourage EVERYBODY to file a BBB report and FTC. This company has MANY complaints. Disgraceful. I feel bad for the people who have to call this a job. 

This report was posted on Ripoff Report on 01/15/2013 06:53 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-Credit-Solutions/Oklahoma-City-Oklahoma-/National-Credit-Solutions-NCS-Debt-Collection-Oklahoma-City-Oklahoma-997520. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 General Comment

NCS is a Shady, Corrupt Company that likes Bullying People...

AUTHOR: P.P. - (United States of America)

You have done right to keep all the phone recordings. You are in Texas and Texas is a one party consent state where you can record them even while speaking to them and NOT LET THEM KNOW THEY ARE BEING RECORDED so long as YOU are also partaking in the phone conversation.

These types of companies don't pay their people anything and their low wage "collectors" and "collector managers" are under increased pressure to make someone buckle and pay a debt. Even if its a debt you don't owe. You are not the first person to be harrassed about debt they may not owe or don't owe. These companies don't care. They are popping up a dime a dozen. It takes less than $200 bucks to get a license to start one of these "Firms" and many people operate collection agencies right out of their bedrooms working for themselves.

Don't let them bully you. I would tape every single phone conversation and remember you don't have to let them know anything. Also, it is illegal for them to threaten to sue or say they have sued UNLESS THEY REALLY SUE. I would call the courthouse in whatever state they filed the supposed lawsuit and check to see if they really did sue. they have to send you something.

A lot of collection agencies operate right on the margins of the law and they often go outside the law and break the law. They often get sued and fold and open up the next day with a new name. These people are scum and there have been many investigations and lawsuits filed against them. Play dirty with them. Dispute the debt and send them a "Cease and desist" letter. I'm sure your lawyer has told you.

Send that Cease and Desist Letter CERTIFIED MAIL.

Make sure you get that signed green card back in the mail. IF they contact you after that you can file a LAWSUIT against them because they have in effect broken the law. Last, many collection agencies are now trying to get around that law that says Americans can not be jailed for debt (No Debtor's Prisons) by filing lawsuits in court and hoping the person doesn't show and in effect the courts will then hold the person in contempt of court putting out a warrant for the person. It's all part of their intimidation tactics.
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