Niagara Credit Solutions, Inc

2019-08-14

Barrigada, GU

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-05-15

Columbus, OH

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I received a notice for this debt from a Niagara Credit Solutions , Inc on XX/XX/XXXX stating that the debt owed was XXXX. Then on XX/XX/XXXX I received a call from someone at ext XXXX saying that I owed over XXXX don't recall the full amount. How is this possible what interest rate are they charging on this? I want a copy of any letter stating the rate that would be charged to be sent to me.
Company Response: Closed with explanation

Timely Response

2018-02-22

Gaithersburg, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-02-02

Arlington, CA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Closed with explanation

Timely Response

2017-11-02

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX Please provide documentation as well as check the FDC status.
Company Response: Closed with explanation

Timely Response

2017-03-08

Stevenson, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Got a collection from XXXX XXXX XXXX in the sum of {$2300.00} for a credit card issued by XXXX Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Birmingham, AL

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

New Bedford, MA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I received a phone call from Niagra Credit Solutions this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for XXXX funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-14

Lynn, MA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Niagara credit solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Warrenton, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: A company called Niagara Credit Solutions who I suppose is a third party debt collector is harassing me at work and on my cellphone. They said they have employment verification to garnish my wages which ca n't be true because they keep asking for me under my maiden name and I 've been married for nearly XXXX years. I called them back and told them to stop calling me, stop harassing me, etc. Because my husband & I bought a home last year in which I had to pay any outstanding debts to get the mortgage, and which were paid. They are asking now for a sum suspiciously close to what I paid another debt collector last year. I told them I would report to the BBB for harassment, I have never received a court summons, and they are threatening to garnish my wages which I do n't think they can do. Something illegal is happening here and I am getting tired of it. I can not possibly have an outstanding debt or I would not have my home.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

MA

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Sued w/o proper notification of suit
Complaint: A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Kings Park, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-19

Bateman, WI

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-07

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-06

Baltimore, MD

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-12

King Of Prussia, PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2014-06-20

Charlotte, NC

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2014-04-28

Cooper City, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2014-04-03

Carmel, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2014-03-27

Fred, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2014-01-21

Concord, NC

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2013-11-25

Boston, MA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response