National Recovery Agency
About National Recovery Agency
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National Recovery Agency Reviews
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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??
And of course, the agent wasn't helpful at all, just telling me over and over to "fax in proof". Who has time to deal with this crap!? Now I have to waste more time dealing with them because if I don't they can screw up my good credit over a scam! I'm livid. I'm going to file a complaint with the CFPB and send an official letter disputing it, for whatever it's worth. BTW, I'm giving this agency 1 star ONLY because I have to, to submit this review.
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 They never do it because they are finding outdated information from off the internet.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.
1. Call CFPB Consumer Finance Protection Bureau cfpb.gov and make a complaint. This is a federal agency who will contact them and ask them for proof of the debt. If it is a real debt and they are really the debt collectors of that debt, the CFPB will get that information for you. At that point, you can request CFPB help to handle NRA or use that information to clean up your credit report and stop them from ever contacting you again!
2. If NRA is reporting the debt on your credit report. Write a letter to each of the Credit Reporting Agencies (CRA) Equifax, Experian and TransUnion (where NRA shows up) disputing the debt. Google for a sample CRA dispute letter. If NRA cannot prove they own the debt, they will be deleted from your credit report.
3. Keep a record of all calls with as much detail as possible. Talk to them and ask them the details of the debt they are calling about, and their name/address and contact info.
Do NOT provide any personal information except to confirm your name and the last 4 of your SSN... Do this ONLY if they already have it. Do not give your address or email or bank info or confirm any debt even if you recognize it eg Citibank or Visa etc. After you get this information, tell them not to call you but send you all communication in writing only. And that you will reply to their letter once you get it. They never send a letter, and maybe they will stop calling you! If they do continue, look up a local Attorney who handles "credit card debt collectors" or "sue debt collector". Google it and call them. These attorneys will sue them on your behalf for free and you will end up getting paid a lot of money due to FDCPA and FCRA laws that protect consumers like you. Good luck!
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.
Here I am just trying to clear up my credit report and no one there is even competent enough to hold a conversation. I believe their tactics are illegal and just inhumane. How can a company operate by throwing collections on a credit report without even trying to contact a person first. The collection account is all of $163... I will fight this through the credit agencies as I cannot get anywhere with this company. Call BBB STAT!!!
I have been a military spouse for well over 8 years. I know my rights. I know I do not owe state taxes anywhere we are stationed EXCEPT FOR HOME OF RECORD. They told me I was not exempt from state taxes and I owed over 300$. 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.
They call me constantly telling me I have student loans. I do not HAVE ANY. They call everyday sometimes 3 times a day. I've been asked to put on their DNC list at the minimal of 40 times. I feel like the whole thing is a scam. I just tried to call. It plays music and says someone will be right with me. Then it hangs up. This business isn't even credited. They are scamming people out of money.
On February 26 it was discovered that my husband's tax refund had been taken to pay for a student loan debt that is in arrears. They were able to do so because my name is on the tax return even though I am unemployed. I never received a letter or a phone call stating that they were about to do this. To make matters worse, I have never received anything from them at all regarding the student loan debt. Previously I was handling it through the Department of Education. I have tried multiple times over the last few days to contact National Recovery to make payment arrangements for a student loan debt. Every time I have called, there is a brief message saying that it is a debt collector and there is a few seconds of music and then silence. No one answers. How am I supposed to fix this situation when I cannot get anyone on the phone?]
I received a collection notice demanding a $98.98 payment for a debt they said I owed. I have found out it was from the Bradford Exchange who has been no help either. Neither has the supposed creditor, Collectibles Today Network. I have not received any letters or notices from anyone until I RECEIVED the collection notice. I have been hung up on, my emails ignored and no one has answered my questions as to why they are trying to collect this money. I'm at wit's end on what to do next. I don't want my credit ruined but I really don't think I owe anyone any money in this matter.
I am a homeowner who rents a couple of rooms, I do not have any debt, and National Recovery Agency and constable Michael W. Erikson threatened to violate my 4th amendment rights. I have a roommate that had a judgment against him to collect property for a debt. He called to ask who would be coming to seize his property. Instead of answering the question they told him he should have paid the debt. Then later the constable Michael W. Erikson out of Lehi/Provo Utah called back, and my roommate stated he is willing to give up his property; however, this isn't his house, and they are not allowed on the property. The constable proceeded to threaten, to come onto my property. The conversation was unproductive. The day of the sale/auction arrived, I took off work and waited with my roommate, they never showed up. The sale was a bluff, a threat. This should be illegal if it isn't already.
Got a call from them today. Lady was calling from my area code so when she call me by my first name I answer “Yes this is him”. Then she said “I need to verify that is you” by my last 4 digits of my SSN. I was like “Who is this again?” she stated National Recovery then I asked is this a debit collector she said yes I put an end to the call immediately. I told her to cease and desist and do not call my number again. She did not know she was dealing with a formal debit collector with twenty years under my belt to know how to handle these type of calls. I then look up National Recovery to see they was in Harrisburg, PA. I also did a reverse directory on the number that show up on my phone and it did not give me a local office here in California. So next I block them on my phone not to receive any more calls again. So for the next person follow what I did today. Good luck National Recovery!
My wife and I, a few months apart, both used an urgent care center around the corner from us. In my case, they claimed the insurance said I owed $200. I was sick, so I paid. In my wife's case, they took her copay and saw her. Months later I get a bill from them claiming I still owed them $200. I called my insurance company, they said I was denied because I didn't get a referral. When I explained it was an urgent care center, they realized the urgent care center had incorrectly filed the claim, but if I had already paid, there certainly was no reason I should be charged ANOTHER $200. After a lot of back and forth, the insurance company said they would pay the urgent care center, and the urgent care center would use that money to reimburse me.
Then we get a bill for my wife's visit, exact same problem, "incorrectly" filed. I dealt with the girl at the urgent care desk, who was nice and said it was the central billing office's "mistake", and she would correct that. Of course I never received the $200, and my wife and I both got collection notices from NRA. During that time we also found out that practically everyone in our neighborhood who had used this urgent care place had the same experience. NRA KNEW they were collecting invalid debts for this company. We had to jump through several hoops to take care of mine, so when we got my wife's, and they were rude to me would not resolve it over the phone and insisted I would have to jump through all these hoops again.
I filed a complaint against them with CFPB. Through CFPB's website, we received a response from NRA "This account has been closed and returned to the creditor. No further action will be taken by our agency on this account. Upon receipt of this complaint, a request was made to the creditor to provide verification. The creditor has not supplied our office with verification and therefore the decision was made to close the account and return it to the creditor. A validation notice was previously mailed to the consumer on February 15, 2014 which would have provided information on the dispute procedures, the account and the balance. No correspondence, aside from this complaint, has ever been received from the consumer in our office." NRA's response was snippy and insolent, but they knew they were in the wrong and now being scrutinized by a federal agency, so they knew they had to fold.
I started getting phone calls then they would hang up. Not leaving me any messages. I decided to call this number and a lady answered. I asked who they were and she said NRA. I asked her is this the National Rifle Association and she said no. Her answer was National Recovery Agency. She asked if this was my name and I said yes. Then she read off 4 social security numbers, I then hung up. To be sure that this was a call from the same people I called again and this time a man answered. Again the same thing, is this your name then they read off a 4 digit number.
At that point I told him I will not give any personal answers on the phone. He immediately hung up. So now I decided to call them back and the first person, a woman answered I started to question her and she then told me not to call anymore. The telephone number to look out for is **. I put a block on this number. Just to let people know. The people calling you already have your name. However they really do not have anything else unless you verify it. Do not give them your social, tell them not to call again and hang up. Block the number.
Been getting calls from these "people" for months from 8:30 AM to 8:30 PM. They refuse to identify what NRA means but want me to identify myself, which I DO NOT DO! They are rude, nasty, arrogant, and won't stop calling, and they have more than one number they call from. They don't care that my number is on the do not call list. They INSIST that I have to identify myself before they will tell me what NRA means. How can I stop them from calling???
I received a voice mail message today from National Recovery Agency (NRA) - 800-521-5009. This is the first time I have ever heard of them. The message - a woman's voice - says, "This is Ms. ** and I have an important message from LLC. This is a debt collector. Please call 800-521-5009." I called the number and an automatic answering machine answered. It only gives me two options: Press 1 to make a payment, 2 to hear info about my debt by entering my phone number. I chose 2, but the office is closed, since it is Saturday afternoon. They only open Saturday until Noon. I googled "National Recovery Agency complaints" and found this site, which I am glad I did! Reading so many stories from others with similar experience, but has gone further by actually talking with them, I become more informed on how this may be another scam. Thank you!
I received calls regarding some payday loan in 2011 from NRA that I never took out. I asked why they haven't sent me anything in writing & show me documentation with my name. I also asked to speak to a supervisor and they declined & hung up.
I'm writing this on behalf of my 90 year old father. My father belonged to Express Scripts. Every month he would receive his medicine in the mail. At one point they were sending it to him sooner and sooner. He sent back the unopened package back in 6/2013. That's when they started to harass him for $21.00. My father is a very proud and honest man and has always paid his bills. But he will not pay for something that was returned. I believe they got it back and they didn't put it back into inventory. National Recovery Agency calls him all the time and is harassing him, for medicine that was returned. They are also very sneaky when they call him. They ask him for his personal information without even stating who they are or where they are calling from. He's 90 years old! They need to leave him alone! This needs to stop. When you try to talk to the people at this company they hang up on you and are very rude
Received a phone call asking for my husband. When I said he wasn't available they asked if I was his spouse. They wanted me to verify my address, but wouldn't tell me what NRA was. Kept asking me to verify. I asked their name, and what NRA was? They couldn't tell me what NRA stood for, so I told them I couldn't verify address. The lady got mouthy, said they would call back another time. I will not give any information out unless I know whom I'm speaking with. I won't be giving them anything!!!! Sounds fishy to me. Never received any paperwork and don't have anything from them or heard of them before.
NRA contacted me to say that I owed money for a loan that I did not take out. They were rude and belligerent. When I tried to ask questions to figure out what was going they said that they were going to escalate it to the next level and I should get a good lawyer... even though I tried to explain I did not owe what they claimed. Is there anything that can be done? I am also reporting to the BBB.
Terrible service, bad company to use for collections and bad company for communication. After telling me to dispute a bill, never sent a dispute notification, said I asked not to be called (then said they didn't call me as a courtesy). They couldn't collect invoices for my company, they would not answer the phone, hung up and wouldn't answer questions about their license number. Their "lawyer" berated me via email and made fun of me filing complaints about their rude behavior. They made up all types of misinformation, spoke loudly, and never stopped hanging up the phone on clients. No wonder they can't collect for anyone!
I had an old electric bill from when I moved out of town. The bill went to collections when the electric company couldn't get a hold of me. National Recovery Agency picked up the debt. They called me. I sent them the money (online). It was easy and fully legit. Going by reviews here I nearly didn't pay them.
I check my credit report every couple months and I found that on June 1, 2015 National Recovery Agency had reported I owed my Dr. office 1380.00. After spending an hour on the phone calling back 5 times, I was told they tried to contact me, so I asked for the number they used. I wanted proof that they attempted to contact me. I received NO letters and NO calls. They had a number that wasn't mine. They also said they have had the account since 1/13.
I asked for proof that they sent me letter. He said they do not do that, they attempt to call the number they have and if they don't get a response they attach it to your credit. I never received a call or a letter and this is the only negative mark on my credit. I called the Dr office and they will be faxing a letter to that company.. They are rude and furthermore don't care what they do to your credit or try to locate you. They also lied and said it's been on my credit since 2/13 which it hasn't. How horrible to do this to people.
This company is BOGUS.. Do not pay them anything. They have harassed me several times.. I even called the nonemergency # here and they said they are bogus.. Threatening to serve me papers at home or at work. Never showed up. No one will ever call you saying this. BOGUS!! SCAM!!!
Never received a notice of collection from them. When contacted they would not send me a validation of payment unless I sent them a letter. I asked about email and they said they don't email. I called the company that I was supposed to be in arrears to take care of the issue.
So the first call I got I answered. The woman on the phone told me she was calling me about a book that was 'supposedly' sent to me 7+ years ago and I never paid for. It was $43. They have called us in excess of 40+ times over $43! I don't have this book. I Googled Rodale publishing and it's common thing they do. They send out books. People send them back or keep them and Rodale comes after them. I can see why if someone ordered a book and didn't pay but I don't have this book! I asked the first lady I talked to if she would send me proof. It never showed up.
Then she called back. I asked if the letter was sent. She said yes. I told her I didn't get it. To send another one. She said ''We only send one." Yeah nice try. However again they are trying to collect on a debt they claim is over 7 years old? She said to me today that if I sent the book back, I need proof? I don't have the book! Very rude. Won't listen. I reported them today to a government agency because I'm sick of the phone calls.
This company has terrible customer service. I lived in Hawaii at the time and they would call me at 2 and 3:00 repeatedly and never identify themselves but only ask for me and then to verify my address and social. Obviously I am not going to give anyone my personal information without knowing who they are. On one occasion in January 2015 I returned the call later in the day and asked who they were. The agent would only say that she was with "NRA" and refused to elaborate on what that meant. She told me to google it. Still not giving my info to a rude person who won't identify themselves.
By February they reported to my credit agency. When I called the number on my report I was unable to reach anyone. I called the original person I owed the debt to and since the account was only a few months old was able to pay them. When I called NRA again to inquire about getting it removed from my report I was told in a very rude manner that I should have paid them instead and then I was hung up on. I called again to ask how it would be updated and why it wouldn't be removed and was told that they would not remove it from my credit report and that it was their choice not to.
Throughout the entire process the agents were rude disrespectful and maintained that they didn't have to tell me what company they worked for if I didn't identify myself first. Now I have a blemish on my credit that was entirely avoidable had they just told me who they were. Horrible customer service.
I had a 1-800 number on my list of missed calls on my mobile phone. When I called to inquire who it was they were uncooperative in identifying themselves as a collection agency. I found out after doing some research that it was the nra which has led me to voice my experience. Secondly, the male agent who took my call kept asking me to verify personal information without informing me who I was confirming this information with.
I called in because I found two accounts on my credit report. I paid in 2011 these same two accounts. I called so they can remove it and the woman told me that these are not the same and how will I be paying this. I told her, "I need your documentation of the 2 accounts I paid and these 2 open accounts you claim I have open." Extremely rude, she told me, "you have to file a written request." I told her, "what information do I need to provide because when I paid the accounts last time, I did not need to do a written request?" I wish it would have been this smooth. Every time I was trying to explain, she cut me off and answered questions I was not asking and told me, "I don't know if you being upset is getting to your head but this is not the same account." That was so rude and unprofessional.
They expect for people to talk to them right but then say that. I told her she is rude and said, "listen, you need to let me finish." And I got upset and told her, "NO! You listen and then answer me the questions I need." And put me on hold without a warning. I waited, of course, and she came back to say, "I am waiting for a supervisor." Then came back on the line and said it will be a few more minutes. I said "unacceptable." So she said, "well are you finished and ready to listen?" This went on and on. Saying that she was going to put things in simpler terms for me.
I was so upset. She is rude and I don't know how they allow this. I hung up on her and called back, and again, a rude person. I explained, "please just help me fix this. I just need some information and the address to send a request." He then told me, "there is no sign of you paying this." I told him "yes! I know because I paid another account just like this. Can you please tell me when I paid the other ones?" He said "I can't see that information." So was the other girl lying? Or is he lying? I'm so confused. He then stopped me from explaining, (we didn't argue) but said, "let me transfer you to a supervisor." And guess what, he hung up on me. I called again and asked for the address, and finally someone gave it to me. This was a horrible experience, and really must be a scam.
I got a letter I believe in early January from this agency. I was shocked since I had no advanced warning of a debt collection letter headed my way. I dealt with them in phone many times & refused to tell me how long my so called debt would last & put me on a "Do not call" list. I asked what it meant & lady got real nasty & asked if this meant I refused to pay. I sent them copies of cancelled checks & bills yet they refused to tell me the status of all I sent them. I'm still not convinced this letter & debt is legit but I don't want it wrecking my credit for the amount they're claiming is owed to the party that allegedly hired them to collect. The person wanting collections is of questionable legitimacy in my opinion also which is why this raises the red flag even higher after reading the many complaints regarding this agency.
When I asked about payment plan they want to add roughly $8 each payment extra even if paying in full. They're super nice if you tell them you'll pay and right away they want your checking account number so they can quickly keep taking that $8 month or even with full payment. When asked if I can avoid the $8 that's when the nasty came back out. Yes, the slow way by mail. I then asked the address and she said it so fast there was no way I could've written it down. She got huffy & kept saying it fast but I just kept asking which made her even more mad. Then I asked what my account # was---imagine how fast that was given to me also. They want your $ & they want it fast. They don't believe in working with you & I was deceived in the multiple chats I had with them leading up to the final when I decided I just didn't want to deal with them anymore.
I was never told truthful answers. "I don't know" was famous answer to my questions. If this place is legit in collecting money I'd think they would/should know answers to commonly asked questions such as how long can this go on where nobody shows me proof that I owe this money. I still feel I'm being ripped off and have to this day yet to see physical proof as in paperwork or itemized bill from the person wanting my money & they kept telling me that the party has continually refused when asked to send such proof 3 consecutive times. At this point I doubt it was ever requested and I truly believe I'm a victim of a meager confusion from party asking for my money and nobody, not NRA or the party, have shown me physical PROOF that I do owe the amount requested but at this point I just want it to stop wrecking my credit rating.
There's lying going on and very much deceiving too but what else can I do when I ask and answers are refused to be given to me?? They never once answered a question except with "I don't know" or the ultimate huffy answer of "so does this mean you're refusing to pay?!?" This is NOT, in my eyes, a legit company. I WANT PROOF OF MY DEBT WITH AN ITEMIZED BILL!!! Yet I'll never get it. Of that I'm sure. Please, anyone having to deal with this company--don't even bother because you'll never get truthful answers. TRY TO AVOID DEALING WITH THEM AT ALL COSTS because you'll lose in the end. Btw, I HAD to give 1 star review but my honest review would be 0 star.
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