National Recovery Agency Reviews

I am so pleased with the help I received from Miss **! After I spent several hours trying to resolve this debt, calling and meeting several different people, I was pretty much at my wits end. I looked to the top of my notes and remembered a friendly voice I had spoken with the week prior, Miss **. She had given me her extension number so I dialed NRA and gave her extension. I was in tears over this situation. I had the money, but no one could accept it. I explained once again what had happened. She subtracted their fee and ran it with just the cost of my prescription. It finally worked! She kept working with me everyday for 3 days until it was all paid. She is truly a miracle worker with a lot of patience.

Not knowing what to expect, we were pleasantly surprised to speak with a warm and caring Representative such as Crystal from the Harrisburg office. Crystal took the time to listen and document our issue with not being made aware that a specialty pharmacy had sent my friend into collection for over $3500. Her assistance helped with easing our mind and making a very stressful situation a bit less so.

When I moved out of my apt in NYC, there was a residual balance from the power company which I was not aware of, and unfortunately, it went to collections. I called NRA and was able to make the payment. The rep, Whitney, was amazingly helpful. She provided me with the information I needed. She was warm and courteous.

I reached out today for clarification on a surprise notice, and Candace walked me through everything and sent me the documentation I needed. She was so pleasant and cheerful and made what could have been a bad phone call so much better. She's kind and understanding and I wish all customer service agents could be like her.

I spoke with Nancy, at the Harrisburg PA location on the phone just now, I was calling to update my card information. I want to express how pleasant she was and very professional. Customer service is so important to me and Nancy was over and beyond. Thank you Nancy

Nancy helped me to figure out exactly what I needed to do to get my issue resolved. Thank you for your help and your time Nancy!

Nancy was wonderful and assisted me with all my needs.

Just got off the phone with Elizabeth and I got to say, for a collections agency and customer service center she was mind blowing awesome! Super clear on the phone and easy to understand! Incredibly helpful! Thank you!

I called after making a payment online, shortly after, I had a panic attack thinking, "wait, is this a scam" I was crying while the phone was ringing. Then Nancy picked up, within seconds I was relieved. She was knowledgeable, nice, and so sweet! By the time we ended the phone call I was laughing. I even went and told my coworkers how I just spoke to the nicest lady and she made my day. Thank you Nancy! We need more people like you on the other side of the phone. :)

Just had an excellent conversation with a "Mrs. **" and all of my concerns and issues were resolved amicably. The experience was very pleasant and professional, and was honestly impressed by her performance.

I can’t thank Nancy enough for all of her help. She has been extremely thorough, patient, and supportive while working with me to get my debt collection situation figured out. Even though this debt stems from an issue with my previous employer, Nancy never judged—she focused on helping me find solutions and made a stressful process so much easier to manage. Her professionalism and genuine care really stood out, and I’m truly grateful for her guidance.

I called about a debt I had to verify that the debt could be settled at 50% and Nancy was able to help me take care of my debt. Very helpful and nice and with all she did. Thanks so much for helping me get things done. You're amazing Nancy!

Nancy was phenomenal to work with! I called to get a forgotten debt under $60 taken care of and it was an easy breeze. Her energy was beyond vibrant and I love how patient and fast she worked. NRA has a good one on their hands!

Miss ** is an absolute sweetheart and is so personable and even tho I was literally calling to pay a debt (which no one wants to do) she was such a lil angel about the whole thing, 12/10 she deserves a raise.

Positive experience with Lisa M. I have had a debt that was not mine (fake) circulated all over the place. For some online payday loan I never took. I've been harassed by both shady agencies and a few legitimate over the last 18 months. When this appeared on my report, I called and Lisa helped me. Issue is now resolved and gone from my credit report. I felt like I was listened to and respected.

Let me just say that before I made this call, I was not expecting what and who I got, Michele H. She not only gave me the BEST news, but she gave me some jewels to use later. Instead of crying I left smiling. I've never lol so much with someone I owed lol. This is the kind of debt collector, not that I plan on needing one again, but if I did, I hope they have her heart and knowledge. She really opened my eyes to things I'd never paid attention to when it comes to my bills and insurances. I told her, and I'll say it again, since she lowered my pressure and my bill, they need to raise her pay ASAP!! Thank you Michele H at National Recovery Camp Hill. You are the MVP!! BE BLESSED!!

April ** is a professional individual. People fall behind. It happens, but I can honestly say April ** at National Recovery made this a great experience. This one of the most professional and enjoyable experiences. She assuaged my concerns and gave me every assurance and assistance. Great young professional and a great experience. Thank you, April.

Kia went above and beyond for me today. She stayed in constant contact with me while we worked through the IT issues going on. She helped keep my stress level from plummeting through the roof. 20/10 would definitely recommend! Please give this lady a raise, it is well deserved. Again, thank you Kia for all your support today. You're a rock star!!!

I called in to discuss an old debt from pre-pandemic. I spoke with Nancy who was kind, helpful, and knowledgeable. She looked up my account, found a settlement for 30% off, and was able to set up a post dated payment with my debit card so that I could settle this debt on payday. She also informed me that once paid, NRA will notify the credit bureaus to delete to delinquent account from my credit record as paid.

Hi my name is Karen **. I had the most amazing representative name, April **. I hope I spelled her last name right. She is very professional and her spirit radiates through the phone. It make for a good day when a person is greeted like that.

I had an outstanding medical bills that needed taken care of and I called and spoke to a representative by the name of Nancy and she was wonderful and very gracious. She apologized for having to make me give her my card number more than once because they were separate transactions and I had no issues at all doing so because it was not her rule so why get mad at her over it. She had great communication skills and was very friendly and helpful!

I'm disabled and blind. The lady wanted to know if I wanted to pay. I'm almost dead. Then they used my married name. I never change my name so I guess they were trying to scare me. I don't care. My husband don't care.

I had a credit bill pop up on my credit report. This related to an old address where the bills were never forwarded to me. I talked with Miss **. She was friendly and in less than 5 minutes we solved the issue and the company removed the derogatory information from my credit report. It was no big deal.

I had a 3 year old gas bill for $134 that was not paid. It ended up on my credit report just in time to destroy my mortgage refinance. National Recovery Agency put the collection on my credit reports. I contacted them to ask why they didn't try to contact me to ask for payment. The rep gave me 10 attempts to call me on my cell with 3 of those attempts leaving messages. The message was, "We are attempting to collect a debt... please call us." It seems to me that common sense would lead any consumer to consider such a message a scam. They should have contacted me through mail or even email. Well anyway, maybe they did follow the "rule of law" but it was a poor attempt to resolve the debt and it cost me dearly.

I had Dwight help me with paying off my account, there was a lot of people with my name but he figure it out and did everything in his power to get it done quick and was very polite and kind! Thank you.

A good point for this company -- their phone reps are very courteous and professional. Other than that, I can't say anything nice about the company. I suffered identity theft several years ago and filed police reports at that time. I provided copies of the police reports to NRA. NRA refuses to remove an open debt that was obviously incurred by the identity thieves based on geographical location (100s of miles from where I live) and time it was incurred (around the same time as I filed the police reports). It's not my debt so I will not pay it. I wish NRA and other similar companies would quit bothering victims who already have enough headaches just dealing with the other fallout from the identity theft.

I spoke to David at ext 3003. He was cool as **. David processed my payment quickly, so I could call and have services turned on in my new apartment. He has a good sense of humor and easy to talk to. I give David 5 stars!

Good service and courteous people who understand. The wait times are little to none and the people were understanding and very helpful. I had a great experience and had all my questions answered and my problems resolved.

Erika ** is a very helpful and understanding agent. She has made my experience with a credit collection agency less stressful and very helpful. She deserves a job well done. I love working with her. She is an asset to your organization.

Even when you send these people a statement showing that your bill is paid in full, they still call you and try to get money from you! The lady who called me didn't even make sense, just kept repeating the same thing over and over, like somehow saying it enough would make me think I still owed them money.

This company continues to report that I am delinquent even after I have sent proof several times that it is not a valid claim. They say, "send the proof and we will take care of it" and then they don't. Since 2014 they report every month. They even told me that is only $670 just pay it and it will be gone. I don't owe it, I will not pay it. This is a scam as old as time.

My rep was Shakia ** and she was very courteous, professional, and she also followed up with me to make sure I was still interested in resolving my debt. I didn't expect a Brooklyn girl to be so nice but she was the exception I guess. Other debt collectors could learn a lot from her.

The representative that I spoke with (Avery) was very professional and prompt. He provided all of the information that I needed to resolve some collection accounts that were showing up on my credit report.

After months dealing with this company and other parties about an unpaid medical bill (that never arrived because the doctor had the wrong address) I finally settled the debt with original billing agency who was told by the NRA that my account was closed and I was out of collection. Fast-forward one month and I get a call telling me that I still owe the same debt for the same doctor on the same date of service. In fact, the NRA agent could even verify that it was a second, identical, account. Still, I have "prove" that the outstanding debt was paid. How, I wonder, do I prove that an outstanding debt for a separate (but duplicate) account was paid when payment for the original (and correct) account isn't proof enough??

It’s been almost a year now I’ve been trying to get away from this company. Somehow they got my student loan debt and said I had to set up arrangements for 5 months of wage garnishment AND pay them on top of that. Well I’ve sent documentation 3 times now and it’s been almost a year that I’ve been garnished. They said it was 5 months and every time I get to the end of 5 months they tell me that THEIR company hasn’t received enough money so they keep rolling it over. I don’t know what to do at this point. This is a VERY crooked company and I’m worn out.

NRA is a scammy debt collector! Everyone of you who get a call from NRA should first find out what debt they are calling about? Most of the time the debt is not valid. NRA is supposed to send you a letter in the mail informing you about the debt and your options. They never do it because they are finding outdated information from off the internet. They are not even the real debt collectors for anybody.

This company calls BOTH my home phone and cell phone every. Single. Day. In every call, the caller ID says it's them, but they just hang up. I have received nothing from them in writing in the mail. If this was a legitimate business matter, they would conduct themselves in a business like manner, including identifying who is calling, company name, and why they are calling. ENOUGH already.

I was called from NRA daily in regard to a payday loan I never took out. They even called me at work numerous times. I filed a report with the Attorney General in my state of Rhode Island. They told me to go to the local police of the city I live in and file a report so there is a paper trail. The Attorney General's Office took the phone number from me that I had and called NRA. When they finally picked up the consumer affairs lad at the Attorney General's Office tried to get information and they hung up on her. She relayed to me that the company is running a scam. They try to frighten people to give them money. If they call hang up or block the number.

Received a notification that an account was placed into collections on my credit report. Go to my credit report and see it's from National Recovery and call the number provided on my credit report. First person I spoke with couldn't locate my account and once I refused to provide my SSN, he hung up the phone on me. Second time I call, the person was able to find my account, but couldn't provide me any details on the alleged account, confirmed they didn't try to contact me, and became combative when I asked for supporting material for the account (I asked them to send me the details of the alleged amount due along with paperwork with a header from the original creditor stating balanced owed) then also hung up.

I have been a military spouse for well over 8 years. I know my rights. I know I do not owe state taxes anywhere we are stationed EXCEPT FOR HOME OF RECORD. They told me I was not exempt from state taxes and I owed over 300$. They threatened to take out money from my wages since I refuse to pay them. I told them good luck, I don't make money because I am just a SAHM. MilSpo are exempt from state taxes except home of record.