|
4962943
|
2021-12-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-01
|
| Complaint What Happened |
Please help me! I feel I am being taken advantage of by XXXX and XXXX XXXX and North American Recovery Inc. I had an account with XXXX Bank. That account was closed. I did not think there was a balance once the account closed. I have never been notified about this account. I never had the reason to look into my credit until now because I received a letter from the attorneys office about this debt.
I have opened a dispute with the credit bureau as well as XXXX Bank, N.A.R. Inc & XXXX and XXXX XXXX. I feel this debt should not have gone to an attorneys office. I never received written notice or final notification.
Every time I ask for additional information I just get a rude response. Calling XXXX and XXXX they keep transferring me to different departments giving me a hard time.
Please help me get this account validated and authenticated. The balance is {$4800.00}.
Ref. # XXXX - XXXX XXXX XXXX XXXX I have requested billing statements to verify debt as well as if they ever sent legal notices notfiying me this account was sold to XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4992503
|
2021-12-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
N.A.R., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2021-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-09
|
| Complaint What Happened |
There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7171327
|
2023-06-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-26
|
| Complaint What Happened |
Problem North American Recovery is reporting I still have a debt. The amount is {$220.00} North American Recovery is the debt agency that is dealing with XXXX XXXX debt.
On XX/XX/XXXX I entered into a agreement with XXXX XXXX XXXX XXXX XXXX XXXX who was working on the behave of XXXX XXXX to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full.
For the last 18 month, XXXX XXXX and North American Recovery report are still report out to all 3 credit company that it is not paid and I will owe the money.
On Mon, XX/XX/XXXX at XXXX XXXX I sent North American Recovery the below documents and they still have not done anything about and is still report that it is not paid.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3766932
|
2020-07-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-07-28
|
| Submitted Via |
Fax
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2848668
|
2018-03-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2018-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2725174
|
2017-11-09
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly?
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9405707
|
2024-07-02
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-07-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-02
|
| Complaint What Happened |
i was summoned to appear in court 2xs i went both times discovery order was made to prove the cad was mine never received anything i called the company and they sent me a XXXX XXXX XXXX debt from XXXX XXXX no charges but last statement XXXX unacceptable that i have to go to court 2x when these are collection agency and lawyers who should know the law in ny statue of limitations have expired on this long ago
|
| Consumer Consent Provided |
Consent provided
|
|
|
3280717
|
2019-06-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
N.A.R., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-06-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
