National Enterprise System Collections Agency? Anyone had any dealings?

Question

OK. Let me start by saying it is NOT my debt or anyone related to me. Apparently the person has the same last name as me. They called my houst on tuesday looking for this person and i asked them to be removed. they called me again last night and were extrmemly rude. When I asked to speak to a manager the girl rudely said he was on the line. He broke in the call. Refused to give me their names, where the were calling and what they were calling about. the number came up blocked on the ID. I want to file a complaint. They also left a mesage on my machine yesterday afternoon. When i called the number to ask why they were calling they hung up on me. When i called back again to figure out what was going on. they refused to give me any information unless i gave them my full name. THey were extremely rude and hung up on me again. Has anyone ever filed a complaint with a collections agency and how did you go about doing it? THIS IS NOT MY DEBT. I DID NOT CO-SIGN and DON'T KNOW THIS PERSON

Answer 1

Interesting. I have been dealing with this company for about 18 months. I pay them a set amount every month and they keep demanding that I give them my routing and account number so they can access my checking account. I have been harassed by them so much that I have actually sought out Legal Aid to represent me in a harassment case against them. They spoke to my roommate concerning my bill, which is a violation of the Fair Debt Collection Reporting Act. You can contact your state attorney general and file a complaint. You can also contact the Federal Trade Commission and file a complaint. You can send a cease and desist letter via certified mail to them. Their address is: National Enterprise Systems
P.O. Box 39308
Solon, OH 44139

Add in your letter that it is not your debt and you wish to no longer be contacted by them. Keep record of the letter. If they continue to call or contact you, that constitutes harassment. You have a case at that point.

Answer 2

First, they should not be repeatedly calling when asked to stop.

To help you stop the calls be aware of the following: As a third party who wants the calls to stop, concentrate on finding out who they are and their mailing address. In other words do not ask why they are calling. This leads no where and makes for bad communication. Focus on getting who they are and where they are located. A mailing address.

Until they determine who they are talking to they cannot answer that question. They are required by law to first determine they are talking with a debtor. If not the debtor then determine if you can help locate the debtor.

Be aware the collection agency can not speak to just anyone about a debt. They must first verify that you are the person they are trying to reach. The may be rude ,but this requirment makes them appear ruder than they intend to be. This is because they cannot answer your questions until you identify yourself. This is the law. It makes for clumsy communication under the best of circumstances.

If you are frank and state that you believe they have the wrong party, you will get them to stop calling.

I doubt the person you spoke to was a supervisor. Otherwise you would have gotten their company name or a place to respond. They do not want to waste time and long distance charges talking to people that have nothing to with the debt or cannot help them locate the debtor.

To locate a debtor that has moved or hiding from creditors they must locate relatives people with similar names etc. If you were owed the money you would expect them to do the same for you.

They have a legal right to request location information when talking to relatives, friends, former employers or neighbors. You are not required to cooperate with them. They are restricted from talking about the reason for their call. This restriction makes even the most considerate collector seem rude.

Despite this, they should not be repeatedly calling you when you have asked them to stop. Even if you are the actuall debtor they should cease trying to call you. The best way to have calls stop is to send a certified return reciept letter to them. If they are so rude as not to give you the company name and address then I would keep a recorder handy record the nuissnace calls (comply with your State laws) then contact the FTC & your State attorney General's office.