National Enterprise Systems, Inc.

2019-12-09

Oak Ridge N, TX

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-14

TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX, XXXX, XXXX, XXXX, XXXX, National Enterprise Systems, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-12

Rose Hill, TX

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Kokomo, IN

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

DE

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-22

Chandler, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Whitmire, SC

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Complaint: Called looking for me. I said it wasn't me and she huffed and told me to " cut the XXXX know it's you ''. She didn't identify herself and when I asked who was calling she said " I've told you one XXXX time I can't give that information. '' She also called my dad and yelled at him looking for me. When I call the number back it answers as National Enterprise Systems but I don't know who that is or what they want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-19

Linden, NJ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: National Enterprise Systems has called my place of employment five times in the last couple weeks to collect on a debt that I do not believe I owe. I just started recording the time and name of the representative calling. Today XX/XX/19 someone who identified themselves as XXXX XXXX called at XXXX asking for me to identify myself and confirm my social security number and my date of birth. I have read that the representatives of NES regularly use aliases so I am not even sure if that is his real name. I told them they could not call me at work and informed him that I had told the previous callers that they could not call me at work also. He then either lied, knowingly or unknowingly, and said that they had never called before. I informed him that he was violating the fair debt collection practices act and then he started talking over me so that I could not get a word in. He told me I was neglecting a debt owed but he would not identify who he was calling for unless I would provide personal information about myself which I refused to do out of privacy and identity theft concerns. He said that he would remove my work number from his call list but he is not the first person to do so, now I do not believe they take any action to prevent repeated violations of the FDCPA. I do have some old student loans that I owe on and I am making payments to the federal government on those loans because they were federally insured loans. But NES does not ever call about those loans so I believe they are either wrong of the calls are outright fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-17

Wesley Chapel, FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I received a collection letter stating I owed {$3700.00} for a student loan, school name was not on the letter and Im sure I didnt attend any school in 2001 ... this collection is not mine and my sis is being used ... what can I do to prevent my SS # and name from being used?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-13

Katy, TX

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-11

Ridley Park, PA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I received notification that my credit report got a ding from collection agency NATIONAL ENTERPRISE for a $ XXXX debt from XXXX XXXX XXXX XXXX an entity I have never done business with in my life. In fact, I recently just settled a former student debt with the IRS last year so this is clearly a fraudulent charge and I have already gotten the FCC, CFPB, OIG involved and put a fraud alert with credit report agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

Plymouth, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

Tacoma, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Tacoma, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Burlingame, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XXXX XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG! I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor National Enterprise Systems can verify that they are reporting accurately. Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to. My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-03

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a letter which posted a charge of {$1400.00} levied by the collection agency National Enterprise System ( NES ). The date on the letter reads XX/XX/2019. When I called NES, the different representatives that I was transferred to refused to give me an explanation of the debt. They did not want to tell me what services or merchandises that I purchased that cost this dollar amount. They asked me to give them the account number written on the letter which I did. But instead of telling me why I owe this debt, they keenly insisted on me giving them my personal information, although I repeatedly verified the account number and my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-31

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Buechel, KY

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-27

Plymouth, FL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

WA

Written notification about debt

Debt collection: Private student loan debt

Didn't receive notice of right to dispute
Complaint: I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. XXXX. Because I was activated for XXXX XXXX, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note. I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

WA

Written notification about debt

Debt collection: Private student loan debt

Didn't receive notice of right to dispute
Complaint: I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. 3. Because I was activated for active duty, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note. I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-19

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I received correspondence from XXXX XXXX XXXX only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name. This account was a result of identity theft and I have never owned a XXXX XXXX XXXX Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-17

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To whom it my concern, the purpose of this complaint is to inform National Enterprise System XXXX # XXXX XXXX ) of my NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written notice before LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Case from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

San Francisco, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-14

Beverly Hills, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response