|
11693481
|
2025-01-23
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received federal student loans from XXXX XXXX in XXXX. The loans were discharged/ forgiven since the school ( XXXX XXXX ) engaged in fraudulent misconduct as there was a lawsuit this company. The loans were later transferred to XXXX ( Now XXXX ) in XXXX which discontinued federal loans and only engaged in private loans from this time moving forward. Now, XXXX XXXX XXXX ( NES ) based in XXXX is charging me for one of my federal loans in that amount of {$10000.00} which was initially {$5700.00} with an added interest of XXXX and an additional fee of {$25.00}. the initial loan was federally discharged and forgiven, but in the interim between XXXX XXXX and XXXX, this information was lost. XXXX ( XXXX ) refuses to assist me and constantly transfers me to National Enterprise Systems. I can send information from the XXXX XXXX XXXX department that this loan was completely cleared. Additionally, the amount reported by NES is not showing in my credit report at all. I question if this amount is legitimate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11538410
|
2025-01-15
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11107482
|
2024-12-10
|
Incorrect information on your report
|
Credit card
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
NATIONAL ENTERPRISES SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ME A BILL FOR XXXX WITH DIFERENT NAME IN MY CREDIT REPORT XXXX XXXX XXXX = NOT ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11226879
|
2024-12-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4449585
|
2021-06-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
National Enterprise Systems has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4313929
|
2021-04-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-04-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3635869
|
2020-05-04
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-04
|
| Complaint What Happened |
The debt was submitted to National Enterprise System Inc. I did not have an agreement with this collection agency.
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3716928
|
2020-06-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2465423
|
2017-04-25
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2017-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2603514
|
2017-08-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1949453
|
2016-06-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2594412
|
2017-08-03
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Private student loan debt
|
| Date Received |
2017-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-03
|
| Complaint What Happened |
I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.
|
| Consumer Consent Provided |
Consent provided
|
|
|
990343
|
2014-08-19
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me after I asked not to
|
| Sub Product |
Credit card
|
| Date Received |
2014-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-08-19
|
| Consumer Consent Provided |
N/A
|
|
|
975682
|
2014-08-08
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2014-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-12
|
| Consumer Consent Provided |
N/A
|
|
|
2261891
|
2016-12-23
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Federal student loan
|
| Date Received |
2016-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2045469
|
2016-08-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2016-08-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-03
|
| Complaint What Happened |
I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam.
I do n't appreciate being harassed at my job. Thank you for your help
|
| Consumer Consent Provided |
Consent provided
|
|
|
1169035
|
2014-12-23
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted employer after asked not to
|
| Sub Product |
Federal student loan
|
| Date Received |
2014-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-12-23
|
| Consumer Consent Provided |
N/A
|
|
|
816725
|
2014-04-21
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Federal student loan
|
| Date Received |
2014-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-04-21
|
| Consumer Consent Provided |
N/A
|
|
|
1584148
|
2015-09-29
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Federal student loan
|
| Date Received |
2015-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-09-29
|
| Complaint What Happened |
I filed a complaint against XXXX/XXXX through this agency the case number is OMB # XXXX. I did get a letter from NES offering a co-borrower release for {$220.00} due XX/XX/XXXX they acknowledge that they are a debt collector then say that there is {$560.00} that I owe on the account. The letter they sent me is dated XX/XX/XXXX. I spoke to someone at NES last week and I told them that I wanted XXXX or NES to remove this account from my credit report because XXXX has never accepted that I had an agreement with XXXX XXXX to pay {$48.00} a month without having to bring the account up to date from when my nephew stopped paying for 7 months. My argument is that the account should have never been sent to a collection agency since I have been paying this account since XX/XX/XXXX. Why did XXXX think this account was not going to get paid? When did I give them an indication that I was not going to finish paying this account? Today I get a call from NES and it was the rudest call ever. The representative actually called my nephew a thief!!! What business does he have saying something like that. I am a XXXX, I am a law abiding citizen, I have done nothing but try to help my nephew get a career. My nephew fell upon hard times and did n't pay on his loan, I took over payments when I found out he was n't paying. I have paid for 5 years I am not cheating anyone! He had no right to accuse my family member of anything especially since I have been making payments. Yes, I paid the XXXX payment two weeks late but I also sent the XXXX payment a week early. My father died on XXXX XXXX he was sick on XXXX XXXX, I was n't thinking about student loans - should XXXX have assumed that I would no longer pay after sending in XXXX of dollars. Should I be punished with a bad credit report because XXXX felt the need to send it to an unscrupulous company that hires people that slander my family member because they really thought I would give up making payments? Something really needs to be done, this is abusive.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1038213
|
2014-09-22
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-09-29
|
| Consumer Consent Provided |
N/A
|
|
|
624944
|
2013-12-06
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me instead of my attorney
|
| Sub Product |
I do not know
|
| Date Received |
2013-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-12-06
|
| Consumer Consent Provided |
N/A
|
|
|
2575872
|
2017-07-16
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with the fees charged
|
| Sub Product |
Private student loan
|
| Date Received |
2017-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?
|
| Consumer Consent Provided |
Consent provided
|
|
|
10529259
|
2024-10-21
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6809414
|
2023-04-07
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-04-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am a XXXX XXXX citizen : In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : National Enterprise Systems, Account reference # XXXX in behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have violated my rights.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1674634
|
2015-11-29
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2015-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7670102
|
2023-10-09
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Today XX/XX/2023 i was contacted by National Enterprise Systems several times. This is the first time this company has called me. Then when i called them back they said they have no record of calling me they said that Purchasing power was the one who called me thats false. On the voicemail i got all the phone numbers go back to National Enterprise Systems. Then they demanded i pay them {$1600.00} by XXXX XXXX or the claim will get filed against me. After that they called my family members several times including leaving them voicemails to and sending documents about this matter to them, which should be in violation. I had stated on the phone with them not to call my family members and they deny that they called. I have all the proof phone numbers voicemails everything. They will not tell me anything else about this debt only that i have to pay today or that all other options will be forfeited. And that they have been instructed to contact my employer,
|
| Consumer Consent Provided |
Consent provided
|
|
|
7402135
|
2023-08-15
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Company continues to call repeatedly. I have requested many times to stop the calls
|
| Consumer Consent Provided |
Consent provided
|
|
|
3067927
|
2018-11-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX has committed multiple violations on my credit report t
heyre not 100 % accurate on my report On each bureau theyre are different high credit amounts the credit limit on XXXX is also read {$0.00} The dates opened is also different on each bureau XXXX also has a different account number as XXXX and XXXX.
I will be sending a copy of this to the FTC for them to review I will so have my attorney review these violations I will so be sending a screenshot of my credit report to show all the violations and inaccurate reporting XXXX XXXX XXXX has made.
XXXX XXXX XXXX needs to remove to TradeLine from my credit report as they have committed numerous violations
|
| Consumer Consent Provided |
Consent provided
|
|
|
2542777
|
2017-06-14
|
Dealing with your lender or servicer
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XXXX XXXX 2017, I was notified via my employer of a wage garnishment I was not aware of. I did research in an effort to find out exactly what had occurred. I went to the payroll department to find a letter, not a court order for garnishment of wages. In the letter, the following Federal law was quoted : 102-164. Upon further inquiry, it is a company called National Enterprise Systems. They were garnishing me without notification or any means of making arrangements to settle the debt. I have never heard of this company. Do I have students loans? Absolutely. I am currently in contact with those debtors. The amount of money they are taking out has caused grave consequences to my family. I am currently not able to provide for my children, I have XXXX and I also help my elderly parents which I have been providing assistance to. They are garnishing close to {$500.00} per month. I am not able to pay my rent in XXXX. I received a copy of the letter today from my employer thinking it was a court order which gives consumers the right to respond and settle the debt. It is not a court order, but a letter which I have attached. I am unable to survive with this kind of money being deducted from my account without sufficient notification to settle this dispute.
The letter is attached which was obtained today. I contacted them with the number retrieved from the letter trying to find validity.
Based on the law they quoted, the following did not occur. : ( 2 ) the individual shall be provided written notice, sent by mail to the individuals last known address, a minimum of 30 days prior to the initiation of proceedings, from the guaranty agency or the Secretary, as appropriate, informing such individual of the nature and amount of the loan obligation to be collected, the intention of the guaranty agency or the Secretary, as appropriate, to initiate proceedings to collect the debt through deductions from pay, and an explanation of the rights of the individual under this section ; ( 3 ) the individual shall be provided an opportunity to inspect and copy records relating to the debt ; ( 4 ) the individual shall be provided an opportunity to enter into a written agreement with the guaranty agency or the Secretary, under terms agreeable to the Secretary, or the head of the guaranty agency or his designee, as appropriate, to establish a schedule for the repayment of the debt ; ( 5 ) the individual shall be provided an opportunity for a hearing in accordance with subsection ( b ) on the determination of the Secretary or the guaranty agency, as appropriate, concerning the existence or the amount of the debt, and, in the case of an individual whose repayment schedule is established other than by a written agreement pursuant to paragraph ( 4 ), concerning the terms of the repayment schedule ; ( 6 ) the employer shall pay to the Secretary or the guaranty agency as directed in the withholding order issued in this action, and shall be liable for, and the Secretary or the guaranty agency, as appropriate, may sue the employer in a State or Federal court of competent jurisdiction to recover, any amount that such employer fails to withhold from wages due an employee following receipt of such employer of notice of the withholding order, plus attorneys fees, costs, and, in the courts discretion, punitive damages, but such employer shall not be required to vary the normal pay and disbursement cycles in order to comply with this paragraph ; ( 7 ) if an individual has been reemployed within 12 months after having been involuntarily separated from employment, no amount may be deducted from the disposable pay of such individual until such individual has been reemployed continuously for at least 12 months ; and ( 8 ) an employer may not discharge from employment, refuse to employ, or take disciplinary action against an individual subject to wage withholding in accordance with this section by reason of the fact that the individuals wages have been subject to garnishment under this section, and such individual may sue in a State or Federal court of competent jurisdiction any employer who takes such action. The court shall award attorneys fees to a prevailing employee and, in its discretion, may order reinstatement of the individual, award punitive damages and back pay to the employee, or order such other remedy as may be reasonably necessary. Based on the law provided in their letter, not court order the following information is stated : I was never contacted via phone, mail, email or any other entity. If they were able to acquire my employment information, surely they could have contacted me if they had no way of contacting me. None of this occurred. I am not able to pay basic bills with this wage garnishment. I 'm am behind on basic needs after 3 garnishment deductions. Help is desperately needed in this matter.
( b ) Hearing requirements A hearing described in subsection ( a ) ( 5 ) shall be provided prior to issuance of a garnishment order if the individual, on or before the 15th day following the mailing of the notice described in subsection ( a ) ( 2 ), and in accordance with such procedures as the Secretary or the head of the guaranty agency, as appropriate, may prescribe, files a petition requesting such a hearing. If the individual does not file a petition requesting a hearing prior to such date, the Secretary or the guaranty agency, as appropriate, shall provide the individual a hearing under subsection ( a ) ( 5 ) upon request, but such hearing need not be provided prior to issuance of a garnishment order. A hearing under subsection ( a ) ( 5 ) may not be conducted by an individual under the supervision or control of the head of the guaranty agency, except that nothing in this sentence shall be construed to prohibit the appointment of an administrative law judge. The hearing official shall issue a final decision at the earliest practicable date, but not later than 60 days after the filing of the petition requesting the hearing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2467648
|
2017-04-26
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-04-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hi, I opened a case # XXXX , again st National Enterprise System, I tri ed to login to respond to their answer, which there was signal problem because I was n't able, finally today I 'm able to login to my account and noticed that the case is closed. I do n't agree with that reason why I want to open the case again until my situation is resolved. Answering wh at National Enterprise System s end : Like I said when I opened the case, my student loan is and have been XXXX , no t National Enterprise System, National Enterprise System ca lled me saying that XXXX had passed the student loan to them, when it never was like that, because I called XXXX and they are the ones who said that I had to open a case, becau se third party c ompany, call, says things that are not true and gets the money they want . National Enterprise System n eeds to be stopped and a long time ago. They said that I agree to the {$5.00} term, but was n't honest with everything, they called me first and in a really bad rude way, saying what I just said above of XXXX , they lied in all aspect of the word, if it 's true what they always say that the conversation is recorded tell them to give you all the calls they did to me and hear that, one thing is for you to agree to something, because its good and you know, and another thing is to be forced to agreed. Because they way they called me, talked to me, and said : if you do n't agree on the terms, we will start taking money from your, paystubs, and what we want, not what you can, believe there 's no option, because life is n't easy for just let people take your money like it 's not hard to earn it. I 'm paying my student loan to my loan, which is XXXX , my federal loan, National Enterprise do n't need to be touching my bank account, my taxes or paystubs, because I do n't have XXXX or XXXX loans, it 's only XXXX which I 'm paying already and been paying. Tomorrow, Thursda y I am going to send not only to you, to National Enterprise System, b ut to XXXX , Credit bureau, The Department of Treasury, The Department of Education and every company or person that has touch my money, so not only you can see what 's really going on, what this third company are doing, but so you can see the money that has been taken from me and it was not even deposit to my loan. Now the question is, Where 's the money if it was not used with my loan, if fedloan does n't have it, who can respond to that? Yesterday, I received a letter of another third party company, trying to do the same National Enterprise System d id to me and still is doing, now the third company that want 's my money is, " XXXX '', asking for the same amount, really? This Third company needs to be stopped and I mean all third Party company. I am not going to stop until my case is really resolved in all aspect of the word, because a lot of money has been taken not only from my bank account, my partner bank account, my taxes, but from my paystubs, and it has been more than {$2000.00}. like I said tomorrow I will send a letter all evidence of what I have. Agree and forced are two d ifferent things. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2992198
|
2018-08-15
|
Struggling to repay your loan
|
Student loan
|
|
| Issue |
Struggling to repay your loan
|
| Timely |
Yes
|
| Company |
National Enterprise Systems, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Can't get other flexible options for repaying your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.
|
| Consumer Consent Provided |
Consent provided
|
|
