National Credit Adjusters, LLC Debt Collection Complaint

National Credit Adjusters, LLC Debt collection department,

Payday loan Disclosure verification of debt Not given enough info to verify debt Oklahoma

I received a call on - - from a company called National Credit Adjustors, they are a company out of -, Kansas. Although when they - called ( my cell phone ), it was from what appeared to be a local phone call ( -, Oklahoma-which is where I live ). The number that came through was -. Since I did not know the number, I did not answer it. They left no message, however they called my home phone as well. I was a little worried thinking maybe someone in the family may need our assistance, so I called the phone number back from my home #. When they answered they replied with National Credit Adjustors '', ( when I googled them I got their actual phone # which is - ) they asked for my name and phone number so that they could identify me, so I complied. They proceeded to tell me that


I did n't tell them that ). They went on to say - loan was from a company called - in the amount of $1000.00. The other is from a company called - - - - - in the amount of $130.00. I told them I was not sure that I actually owed this amount. She told me that they have sent me - letters, to which I have never received - single letter from them. I asked that they send a letter with original creditors and the amount so that I can research. I did get those letters on the - of - ( attached ). - the phone I - asked them if they could fax to me so that I could get sooner her response was why ca n't we send them to your house, what is wrong with that, we are in Kansas, you will get the letters in - days!! '' ( IN A VERY HATEFUL TONE ). She finally said that she would and I gave her the fax number, as I was trying to ask another question, she hung up on me. As I mentioned, I did get those letters, they did not come from Kansas, but from California. The day that I received them, I sent them a request for validation, which is the standard for letter that 's sent to debt collectors. ( attached ). I sent this as an email and only got - reply which was for the larger debt amount. ( attached ). Now there are a couple of things that concern me 1 ) I asked for 30 days to research, according to their response, they only game me 20 days to research. 2 ) The only information that they could provide me was the same exact information that they gave me in the verification letters which I received on the -. I had asked for the following :. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; original signed contract Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the - major Credit Bureau 's ( - ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act- ) continued. ( SEE ATT PDF FOR FULL COMPLAINT )